The First National Bank of Fletcher
Also written as FNB of Fletcher
BankRegReports is independent of The First National Bank of Fletcher and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
The First National Bank of Fletcher is an FDIC-insured commercial bank headquartered in Fletcher, OK, established in 1902 (FDIC certificate 4098), and it is supervised by the OCC. At Q2 2026 it reported total assets of $23.4M, down 3.9% from Q2 2025, the 166th largest of 169 banks headquartered in Oklahoma. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.93% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 4098
- Headquarters
- Fletcher, OK
- Established
- 1902
- Total assets, Q2 2026
- $23.4M
- Assets vs Q2 2025
- -3.9%
- Tier 1 leverage ratio, Q2 2026
- 9.93%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 103107486
- Latest call report
- Q2 2026, FFIEC 051 · The First National Bank of Fletcher call report
- Holding company
- FIRST FLETCHER BANCSHARES, INC.
- Asset rank in state
- 166th of 169 in Oklahoma
Problem loans are rising at The First National Bank of Fletcher. Its balance sheet stood at $23 million at June 30, 2026, down 3.9% from a year earlier; it is based in Fletcher, Oklahoma. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.07% of loans from 0.61% a year earlier. It pays an average of 0.72% on its deposits and borrowings, about half the median of 1.53% for the 533 banks with less than $100 million in assets. It also keeps 5.11 cents of net interest income on every dollar of earning assets, higher than about three-quarters of banks its size (median 3.91 cents).
Earnings fell sharply: quarterly net income of $48,000 was 30% below a year earlier. Where it has less room is capital: it funds 9.93% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 12.81%).
As of June 30, 2026, The First National Bank of Fletcher reported a return on assets of 0.83%, a nonperforming-loan ratio of 1.07% and a Texas ratio of 1.93%. The figures come from its call report filed with the FFIEC.
The First National Bank of Fletcher ranks as the 166th largest of the 169 banks based in Oklahoma, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 1.6% to $23.4M, loans fell 2.1% and deposits rose 1.5%. The largest part of its loan book on June 30, 2026 was commercial and industrial loans, at 41.8% of total loans, ahead of auto loans at 15.1%. The FDIC Summary of Deposits lists a single office for it, in Fletcher, OK. On its Q2 2026 call report, The First National Bank of Fletcher meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 401 West Cole Ave, Fletcher, OK 73541
- County
- Comanche
- Metro Area
- Lawton, OK
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- November 13, 1902
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 7
- Domestic deposits
- $21.2M
- Allowance for credit losses
- $252K
- Net charge-offs (YTD)
- -$16K
- Average total assets
- $23.1M
- Average total loans
- $3.0M
- Average interest-bearing deposits
- $11.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4098
- Fed RSSD
- 185251
- Website
- http://fletcherbank.com →
- Parent Holding Company
- FIRST FLETCHER BANCSHARES, INC. (RSSD 1064661)
- Ultimate Parent
- GRIFFITH FAMILY FINANCIAL HOLDINGS, L.L.C. (RSSD 2816858)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, The First National Bank of Fletcher reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, The First National Bank of Fletcher's total assets ran between $21.5M (Q4 2024) and $24.3M (Q2 2025), and it earned a profit in 9 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$23.4M total assets against $24.3M; $21.3M total liabilities against $22.3M.
$4.0M net loans and leases against $4.0M; $21.2M total deposits against $22.2M.
$13.9M securities against $11.9M; $4.3M cash and balances due against $7.1M.
$238K total interest income against $238K; $25K total interest expense against $13K.
$213K net interest income against $225K.
$31K total noninterest income against $28K; $193K total noninterest expense against $184K.
$0 provision for credit losses against $0.
$48K net income against $69K.
0.83% return on assets against 1.17%; 5.11% net interest margin against 5.17%.
9.93% tier 1 leverage ratio against 9.73%.
Inside the full The First National Bank of Fletcher terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe First National Bank of Fletcher rankings
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.57% (Q4 2025) to 1.17% (Q2 2025) and its net interest margin ran from 4.63% (Q4 2025) to 5.17% (Q2 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.93% | 0.83% | 1.07% | 1.93% | 5.11% |
| Q1 2026 | 9.87% | 0.88% | 0.00% | 0.00% | 4.67% |
| Q4 2025 | 9.72% | -0.57% | 0.00% | 0.00% | 4.63% |
| Q3 2025 | 10.15% | 0.95% | 0.00% | 0.00% | 4.83% |
| Q2 2025 | 9.73% | 1.17% | 0.61% | 1.14% | 5.17% |
| Q1 2025 | 9.84% | 0.87% | 0.89% | 1.64% | 4.91% |
| Q4 2024 | 10.03% | -0.20% | 0.15% | 0.28% | 4.87% |
| Q3 2024 | 10.41% | 0.62% | 0.09% | 0.16% | 4.75% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The First National Bank of Fletcher | Fletcher , OK | 73541 | $21.2M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 2 against the institution (OCC); 1 against individuals associated with it
- January 14, 1999, OCC: Formal Agreement: First National Bank Of Fletcher
- November 5, 1992, OCC: Formal Agreement: First National Bank Of Fletcher
- Period: Most recent institution action January 14, 1999. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in OK, rank 188 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $55K approved, $55K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2000 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows The First National Bank of Fletcher’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about The First National Bank of Fletcher
What are The First National Bank of Fletcher's total assets?
As of the Q2 2026 filing, The First National Bank of Fletcher reported total assets of $23.4 million in its FFIEC call report.
Where is The First National Bank of Fletcher headquartered?
It is headquartered in Fletcher, OK, United States.
When was The First National Bank of Fletcher founded?
It was established in 1902, per the FDIC institution directory.
Is The First National Bank of Fletcher FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #4098). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The First National Bank of Fletcher?
The First National Bank of Fletcher's primary federal regulator is the OCC.
How many branches does The First National Bank of Fletcher operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The First National Bank of Fletcher's Texas Ratio?
Its Texas Ratio is 1.93% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
Go deeper on The First National Bank of Fletcher.
Get an email when The First National Bank of Fletcher files its next call report, and benchmark it against any peer you choose.
Unlock The First National Bank of Fletcher, freeFree account