The First National Bank of Hooker
Also written as FNB of Hooker
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Data as of · sourced from FFIEC call reports. How we update
The First National Bank of Hooker is an FDIC-insured commercial bank headquartered in Hooker, OK, established in 1914 (FDIC certificate 4123), and it is supervised by the OCC. At Q2 2026 it reported total assets of $91.2M, up 0.5% from Q2 2025, the 132nd largest of 169 banks headquartered in Oklahoma. It reports no CET1 ratio; its Tier 1 leverage ratio was 16.33% 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
- 4123
- Headquarters
- Hooker, OK
- Established
- 1914
- Total assets, Q2 2026
- $91.2M
- Assets vs Q2 2025
- +0.5%
- Tier 1 leverage ratio, Q2 2026
- 16.33%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 103110046
- Latest call report
- Q2 2026, FFIEC 051 · The First National Bank of Hooker Q3 2026 call report, filed October 23, 2026 (preliminary)
- Holding company
- HOOKER NATIONAL BANCSHARES, INC.
- Asset rank in state
- 132nd of 169 in Oklahoma
Problem loans are rising at The First National Bank of Hooker. Its balance sheet stood at $91 million at June 30, 2026; it is based in Hooker, Oklahoma. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.96% of loans from 2.05% a year earlier. It carries problem assets equal to 12.5% of the capital and reserves that would absorb them, 9.0 times the median of 1.4% for the 583 banks with less than $100 million in assets.
Earnings jumped: net income for the quarter was $299,000, 83% above the same quarter a year earlier. The commercial and industrial book ($7.9 million) is worsening: 15.46% of it is past due or on nonaccrual, up from 8.95% a year earlier.
As of June 30, 2026, The First National Bank of Hooker reported a return on assets of 1.29%, a nonperforming-loan ratio of 2.96% and a Texas ratio of 12.49%. The figures come from its call report filed with the FFIEC.
Of the 169 banks headquartered in Oklahoma, The First National Bank of Hooker is the 132nd largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 1.3% to $91.2M, loans rose 2.2% and deposits fell 1.8%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 36.0% of total loans, ahead of farmland and other real estate loans at 21.4%. The FDIC Summary of Deposits lists a single office for it, in Hooker, OK. Judged on its Q2 2026 call report, The First National Bank of Hooker meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 119 N Broadway, Hooker, OK 73945
- County
- Texas
- Metro Area
- Guymon, 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
- June 23, 1914
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 20
- Domestic deposits
- $76.1M
- Allowance for credit losses
- $755K
- Net charge-offs (YTD)
- $3K
- Average total assets
- $92.7M
- Average total loans
- $54.8M
- Average interest-bearing deposits
- $58.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4123
- Fed RSSD
- 816256
- Website
- www.hookerbank.com →
- Parent Holding Company
- HOOKER NATIONAL BANCSHARES, INC. (RSSD 1140060)
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 Hooker reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, The First National Bank of Hooker's total assets ranged from $88.5M (Q3 2024) to $92.4M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$91.2M total assets against $90.7M; $76.7M total liabilities against $77.5M.
$55.1M net loans and leases against $56.3M; $76.1M total deposits against $77.0M.
$24.8M securities against $27.4M; $6.2M cash and balances due against $1.5M.
$1.2M total interest income against $1.2M; $238K total interest expense against $264K.
$956K net interest income against $912K.
$98K total noninterest income against $104K; $715K total noninterest expense against $690K.
$5K provision for credit losses against $118K.
$299K net income against $163K.
1.29% return on assets against 0.71%; 4.49% net interest margin against 4.38%.
16.33% tier 1 leverage ratio against 15.57%.
Inside the full The First National Bank of Hooker terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.71% (Q2 2025) to 1.70% (Q3 2025) and its net interest margin ran from 4.08% (Q3 2024) to 4.49% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.33% | 1.29% | 2.96% | 12.49% | 4.49% |
| Q1 2026 | 16.33% | 1.40% | 2.60% | 11.06% | 4.44% |
| Q4 2025 | 16.19% | 1.29% | 2.33% | 10.91% | 4.34% |
| Q3 2025 | 15.99% | 1.70% | 2.28% | 12.70% | 4.32% |
| Q2 2025 | 15.57% | 0.71% | 2.05% | 12.02% | 4.38% |
| Q1 2025 | 15.34% | 1.34% | 1.92% | 11.43% | 4.31% |
| Q4 2024 | 15.46% | 1.06% | 3.84% | 16.76% | 4.25% |
| Q3 2024 | 15.33% | 1.27% | 3.45% | 15.40% | 4.08% |
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 Hooker | Hooker , OK | 73945 | $76.1M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- July 25, 1991, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): The First National Bank Of Hooker
- Period: Most recent institution action July 25, 1991. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in OK, rank 155 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $112K approved, $56K average. 50.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1995 (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
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Frequently asked about The First National Bank of Hooker
What are The First National Bank of Hooker's total assets?
As of the Q2 2026 filing, The First National Bank of Hooker reported total assets of $91.2 million in its FFIEC call report.
Where is The First National Bank of Hooker headquartered?
It is headquartered in Hooker, OK, United States.
When was The First National Bank of Hooker founded?
It was established in 1914, per the FDIC institution directory.
Is The First National Bank of Hooker FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #4123). 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 Hooker?
The First National Bank of Hooker's primary federal regulator is the OCC.
How many branches does The First National Bank of Hooker operate?
It operates 1 domestic office, 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 Hooker's Texas Ratio?
Its Texas Ratio is 12.49% 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.
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