First Oklahoma Bank
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Data as of · sourced from FFIEC call reports. How we update
First Oklahoma Bank is an FDIC-insured commercial bank headquartered in Jenks, OK, established in 1923 (FDIC certificate 12484), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.34B, up 11.7% from Q2 2025, the 19th largest of 169 banks headquartered in Oklahoma. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.07% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 12484
- Headquarters
- Jenks, OK
- Established
- 1923
- Total assets, Q2 2026
- $1.34B
- Assets vs Q2 2025
- +11.7%
- Tier 1 leverage ratio, Q2 2026
- 9.07%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 103112015
- Holding company
- FIRST OKLAHOMA HOLDINGS, INC.
- Asset rank in state
- 19th of 169 in Oklahoma
First Oklahoma Bank pays more for its money than most banks of its size. The Jenks, Oklahoma bank had $1.3 billion in assets at June 30, 2026, up 11.7% from a year earlier. It pays an average of 2.91% on its deposits and borrowings, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 2.01%). It also holds commercial real estate loans worth 4.4 times its capital, about double the median of 2.2 times for banks its size.
Earnings jumped: net income for the quarter was $3.2 million, 35% above the same quarter a year earlier. The commercial and industrial book ($197 million) is worsening: 3.11% of it is past due or on nonaccrual, up from 2.01% a year earlier. Where it has less room is capital: it funds 9.07% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.52%).
As of June 30, 2026, First Oklahoma Bank reported a return on assets of 0.98%, a nonperforming-loan ratio of 0.55% and a Texas ratio of 2.50%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, First Oklahoma Bank is the 19th largest of the 169 banks headquartered in Oklahoma. Between Q1 2026 and Q2 2026, its total assets rose 5.2% to $1.34B, loans rose 2.4% and deposits rose 4.4%. Non-owner-occupied commercial real estate loans made up 32.8% of its total loans on June 30, 2026, its largest category; next came commercial and industrial loans at 17.2%. The FDIC Summary of Deposits lists 3 offices for it, in Jenks, OK, Tulsa, OK and Glencoe, OK; its Jenks office books 70% of its branch deposits. On its Q2 2026 call report, First Oklahoma Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 100 S Riverfront Dr, Jenks, OK 74037
- County
- Tulsa
- Metro Area
- Tulsa, OK
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1923
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 113
- Domestic deposits
- $1.18B
- Allowance for credit losses
- $10.9M
- Net charge-offs (YTD)
- $406K
- Average total assets
- $1.29B
- Average total loans
- $1.13B
- Average interest-bearing deposits
- $975.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 12484
- Fed RSSD
- 75259
- SEC CIK
- 1705558 → filed by FIRST OKLAHOMA HOLDINGS, INC.
- Website
- www.firstoklahomabank.com →
- Parent Holding Company
- FIRST OKLAHOMA HOLDINGS, INC. (RSSD 3957589)
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, First Oklahoma Bank 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, First Oklahoma Bank's total assets ranged from $1.07B (Q1 2024) to $1.34B (Q2 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
$1.34B total assets against $1.20B; $1.22B total liabilities against $1.09B.
$1.14B net loans and leases against $1.01B; $1.18B total deposits against $1.05B.
$18.8M securities against $21.3M; $133.7M cash and balances due against $121.2M.
$20.0M total interest income against $17.7M; $8.5M total interest expense against $8.0M.
$11.5M net interest income against $9.7M.
$1.2M total noninterest income against $843K; $7.9M total noninterest expense against $7.5M.
$595K provision for credit losses against $0.
$3.2M net income against $2.4M.
0.98% return on assets against 0.81%; 3.70% net interest margin against 3.48%.
9.07% tier 1 leverage ratio against 9.26%.
Inside the full First Oklahoma Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
First Oklahoma Bank rankings
Its closest position to the top of a national ranking is 818 of 4,196, for total assets; its furthest is 2,552 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.71% (Q1 2025) to 1.01% (Q3 2024) and its net interest margin ran from 3.26% (Q1 2025) to 3.70% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.07% | 0.98% | 0.55% | 2.50% | 3.70% |
| Q1 2026 | 9.04% | 0.84% | 0.68% | 4.03% | 3.57% |
| Q4 2025 | 9.05% | 0.97% | 0.62% | 3.49% | 3.56% |
| Q3 2025 | 9.11% | 0.93% | 0.69% | 3.92% | 3.63% |
| Q2 2025 | 9.26% | 0.81% | 0.76% | 4.26% | 3.48% |
| Q1 2025 | 9.10% | 0.71% | 0.57% | 4.83% | 3.26% |
| Q4 2024 | 9.22% | 0.94% | 0.54% | 4.54% | 3.42% |
| Q3 2024 | 9.30% | 1.01% | 0.36% | 1.76% | 3.48% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → 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 |
|---|---|---|---|
| First Oklahoma Bank (main office) | Jenks , OK | 74037 | $828.2M |
| Rockford Avenue Branch | Tulsa , OK | 74105 | $314.7M |
| Glencoe Branch | Glencoe , OK | 74032 | $33.3M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.8% of deposits in OK, rank 22 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 105 applications, 91 loans originated, $56.2M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 14 loans, $13.8M approved, $988K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 First Oklahoma Bank
What are First Oklahoma Bank's total assets?
As of the Q2 2026 filing, First Oklahoma Bank reported total assets of $1.34 billion in its FFIEC call report.
Where is First Oklahoma Bank headquartered?
It is headquartered in Jenks, OK, United States.
When was First Oklahoma Bank founded?
It was established in 1923, per the FDIC institution directory.
Is First Oklahoma Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #12484). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Oklahoma Bank?
First Oklahoma Bank's primary federal regulator is the FDIC.
How many branches does First Oklahoma Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Oklahoma Bank's Texas Ratio?
Its Texas Ratio is 2.50% 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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