First Texoma National Bank
BankRegReports is independent of First Texoma National Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
First Texoma National Bank is an FDIC-insured commercial bank headquartered in Durant, OK, established in 1898 (FDIC certificate 13905), and it is supervised by the OCC. At Q2 2026 it reported total assets of $225.4M, up 1.1% from Q2 2025, the 96th largest of 169 banks headquartered in Oklahoma. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.60% 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
- 13905
- Headquarters
- Durant, OK
- Established
- 1898
- Total assets, Q2 2026
- $225.4M
- Assets vs Q2 2025
- +1.1%
- Tier 1 leverage ratio, Q2 2026
- 11.60%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 103100878
- Latest call report
- Q2 2026, FFIEC 051 · First Texoma National Bank call report
- Holding company
- FNB FINANCIAL SERVICES, INC.
- Asset rank in state
- 96th of 169 in Oklahoma
First Texoma National Bank, based in Durant, Oklahoma, reported $225 million in assets at June 30, 2026, up 1.1% from a year earlier. It pays an average of 0.90% on its deposits and borrowings, about half the median of 1.80% for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it carries problem assets equal to 22.0% of the capital and reserves that would absorb them, 8.3 times the median of 2.6% for banks its size.
Net income for the quarter rose 16% from a year earlier, to $591,000. Paper losses on its bond portfolio are shrinking: unrealized losses of $5.4 million equal 21% of Tier 1 capital, down from 28% a year earlier. One more trend to watch: problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 3.38% of loans from 3.25% a year earlier.
As of June 30, 2026, First Texoma National Bank reported a return on assets of 1.05%, a nonperforming-loan ratio of 3.38% and a Texas ratio of 22.05%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, First Texoma National Bank is the 96th largest of the 169 banks headquartered in Oklahoma. From Q1 2026 to Q2 2026, its total assets rose 0.1% to $225.4M, loans fell 1.3% and deposits fell 0.1%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 40.3% of total loans, ahead of owner-occupied commercial real estate loans at 14.6%. Its 5 offices in the FDIC Summary of Deposits are in Durant, OK, Sherman, TX and Boswell, OK; its Durant 3 offices book 79% of its branch deposits. Judged on its Q2 2026 call report, First Texoma National Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 220 W Main St, Durant, OK 74701
- County
- Bryan
- Metro Area
- Durant, 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
- July 8, 1898
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 58
- Domestic deposits
- $202.3M
- Allowance for credit losses
- $2.1M
- Net charge-offs (YTD)
- $177K
- Average total assets
- $225.4M
- Average total loans
- $153.6M
- Average interest-bearing deposits
- $120.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 13905
- Fed RSSD
- 388155
- Website
- www.ftnb.net →
- Parent Holding Company
- FNB FINANCIAL SERVICES, INC. (RSSD 1141227)
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 Texoma National 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 Texoma National Bank's total assets ranged from $217.6M (Q4 2025) to $226.5M (Q3 2024), 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
$225.4M total assets against $222.9M; $202.7M total liabilities against $201.9M.
$150.2M net loans and leases against $148.3M; $202.3M total deposits against $201.5M.
$54.9M securities against $59.0M; $12.6M cash and balances due against $7.4M.
$3.1M total interest income against $3.1M; $456K total interest expense against $547K.
$2.7M net interest income against $2.5M.
$281K total noninterest income against $300K; $2.1M total noninterest expense against $2.0M.
$100K provision for credit losses against $142K.
$591K net income against $511K.
1.05% return on assets against 0.91%; 4.86% net interest margin against 4.62%.
11.60% tier 1 leverage ratio against 11.47%.
Inside the full First Texoma National 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.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
First Texoma National Bank rankings
Its closest position to the top of a national ranking is 130 of 3,640, for Texas Ratio; its furthest is 2,770 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.64% (Q4 2024) to 1.23% (Q1 2026) and its net interest margin ran from 4.17% (Q3 2024) to 4.86% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.60% | 1.05% | 3.38% | 22.05% | 4.86% |
| Q1 2026 | 11.52% | 1.23% | 3.34% | 21.56% | 4.84% |
| Q4 2025 | 11.13% | 0.79% | 3.51% | 22.82% | 4.85% |
| Q3 2025 | 11.91% | 1.18% | 3.40% | 21.32% | 4.77% |
| Q2 2025 | 11.47% | 0.91% | 3.25% | 21.62% | 4.62% |
| Q1 2025 | 11.43% | 1.00% | 3.43% | 22.96% | 4.30% |
| Q4 2024 | 11.05% | 0.64% | 3.58% | 25.46% | 4.27% |
| Q3 2024 | 11.48% | 1.15% | 3.11% | 19.69% | 4.17% |
Swipe the table sideways to see every column.
Branch Network
View all 5 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 Texoma National Bank (main office) | Durant , OK | 74701 | $117.1M |
| Northwest Heights Branch | Durant , OK | 74701 | $43.2M |
| Loy Lake Branch | Sherman , TX | 75090 | $21.4M |
| 615 Hunter Branch | Boswell , OK | 74727 | $20.6M |
| Motor Bank Branch | Durant , OK | 74701 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 22, 2005 | Structure Change | Acquired First Texoma Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 12, 1997 | Structure Change | Acquired Boswell State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 11, 1997 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 3 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 2 against the institution (OCC); 2 against individuals associated with it
- September 17, 2010, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): First Texoma National Bank
- January 30, 1991, OCC: Formal Agreement: First National Bank In Durant
- Period: Most recent institution action September 17, 2010. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in OK, rank 109 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 62 applications, 54 loans originated, $10.9M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $108K approved, $54K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2004 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 First Texoma National Bank’s latest filed figures and updates each quarter.
Similar banks
Compare First Texoma National Bank with peers
Frequently asked about First Texoma National Bank
What are First Texoma National Bank's total assets?
As of the Q2 2026 filing, First Texoma National Bank reported total assets of $225.4 million in its FFIEC call report.
Where is First Texoma National Bank headquartered?
It is headquartered in Durant, OK, United States.
When was First Texoma National Bank founded?
It was established in 1898, per the FDIC institution directory.
Is First Texoma National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #13905). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Texoma National Bank?
First Texoma National Bank's primary federal regulator is the OCC.
How many branches does First Texoma National Bank operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Texoma National Bank's Texas Ratio?
Its Texas Ratio is 22.05% 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 First Texoma National Bank.
Get an email when First Texoma National Bank files its next call report, and benchmark it against any peer you choose.
Unlock First Texoma National Bank, freeFree account