FSNB, N.A.
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Data as of · sourced from FFIEC call reports. How we update
FSNB, N.A. is an FDIC-insured commercial bank headquartered in Lawton, OK, established in 1946 (FDIC certificate 16416), and it is supervised by the OCC. At Q2 2026 it reported total assets of $478.3M, up 1.2% from Q2 2025, the 55th largest of 169 banks headquartered in Oklahoma. It reports no CET1 ratio; its Tier 1 leverage ratio was 17.51% 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
- 16416
- Headquarters
- Lawton, OK
- Established
- 1946
- Total assets, Q2 2026
- $478.3M
- Assets vs Q2 2025
- +1.2%
- Tier 1 leverage ratio, Q2 2026
- 17.51%
- Domestic offices
- 68 FDIC institution directory, current count
- Routing number
- 103112675
- Latest call report
- Q2 2026, FFIEC 041 · FSNB, N.A. call report
- Holding company
- JRMB II, INC
- Asset rank in state
- 55th of 169 in Oklahoma
FSNB, N.A. is one of the more profitable banks of its size. Based in Lawton, Oklahoma, it had $478 million in assets at June 30, 2026, up 1.2% from a year earlier. It earns about $4.14 a year on every $100 of assets, about triple the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also pays an average of 0.30% on its deposits and borrowings, a small fraction of the median of 1.80% for banks its size.
Net income for the quarter rose 16% from a year earlier, to $4.9 million. Over the same year, loans shrank 2.9% and deposits grew 1.5%. Costs are the weak spot: it spends about 71 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
As of June 30, 2026, FSNB, N.A. reported a return on assets of 4.14%, a nonperforming-loan ratio of 0.36% and a Texas ratio of 3.96%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, FSNB, N.A. is the 55th largest of the 169 banks headquartered in Oklahoma. Between Q1 2026 and Q2 2026, its total assets rose 1.5% to $478.3M, loans rose 1.7% and deposits fell 2.1%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 36.3% of total loans, followed by 1-4 family residential loans at 20.0%. The FDIC Summary of Deposits lists 68 offices for it, in 49 cities across 9 states; its Lawton 5 offices book 54% of its branch deposits. By the capital ratios in its Q2 2026 call report, FSNB, N.A. meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1420 Sw Lee Blvd, Lawton, OK 73501
- 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
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- July 1, 1946
- Domestic offices
- 68 FDIC institution directory, current count
- Employees (FTE)
- 571
- Domestic deposits
- $369.7M
- Allowance for credit losses
- $2.5M
- Net charge-offs (YTD)
- $742K
- Average total assets
- $476.3M
- Average total loans
- $147.7M
- Average interest-bearing deposits
- $361.0M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 1, 1946
- FDIC Cert
- 16416
- Fed RSSD
- 125154
- SEC CIK
- 1506500 → filed by JRMB II, INC
- Website
- www.fsnb.com →
- Parent Holding Company
- JRMB II, INC (RSSD 4208961)
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, FSNB, N.A. reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
FSNB, N.A.'s total assets moved between a low of $459.2M (Q2 2024) and a high of $478.8M (Q4 2025) from Q3 2023 to 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
$478.3M total assets against $472.6M; $395.2M total liabilities against $401.3M.
$144.8M net loans and leases against $149.1M; $369.7M total deposits against $364.1M.
$267.9M securities against $252.0M; $26.7M cash and balances due against $31.4M.
$4.3M total interest income against $4.1M; $288K total interest expense against $310K.
$4.0M net interest income against $3.8M.
$9.9M total noninterest income against $10.3M; $10.2M total noninterest expense against $10.4M.
$332K provision for credit losses against $343K.
$4.9M net income against $4.2M.
4.14% return on assets against 3.63%; 4.17% net interest margin against 4.10%.
17.51% tier 1 leverage ratio against 16.53%.
Inside the full FSNB, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFSNB, N.A. rankings
Its closest position to the top of a national ranking is 22 of 3,611, for ROA; its furthest is 2,834 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 2.20% (Q1 2025) to 4.96% (Q3 2025) and its net interest margin ran from 4.02% (Q1 2025) to 4.25% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.51% | 4.14% | 0.36% | 3.96% | 4.17% |
| Q1 2026 | 17.10% | 2.78% | 0.40% | 4.18% | 4.07% |
| Q4 2025 | 17.33% | 4.62% | 0.32% | 4.24% | 4.15% |
| Q3 2025 | 17.13% | 4.96% | 0.27% | 4.31% | 4.25% |
| Q2 2025 | 16.53% | 3.63% | 0.24% | 4.61% | 4.10% |
| Q1 2025 | 16.20% | 2.20% | 0.38% | 4.67% | 4.02% |
| Q4 2024 | 16.32% | 3.55% | 0.39% | 4.83% | 4.06% |
| Q3 2024 | 16.22% | 2.74% | 1.31% | 4.82% | 4.10% |
Swipe the table sideways to see every column.
Branch Network
View all 68 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 |
|---|---|---|---|
| FSNB, N.A. (main office) | Lawton , OK | 73501 | $160.4M |
| Fsnb - Sheppard Bx Branch | Sheppard Afb , TX | 76311 | $31.5M |
| Fsnb - Fort Sill Px Branch | Fort Sill , OK | 73503 | $21.9M |
| Lee Boulevard Branch | Lawton , OK | 73501 | $20.3M |
| Fsnb - Lawton West Branch | Lawton , OK | 73505 | $17.1M |
| Fsnb - Hope Mills Walmart Branch | Hope Mills , NC | 28348 | $6.6M |
| Kemp Blvd Branch | Wichita Falls , TX | 76308 | $5.4M |
| Fsnb - Fayetteville Skibo Rd Walmart Branch | Fayetteville , NC | 28303 | $5.4M |
| Camden Branch | Camden , DE | 19934 | $5.3M |
| Fsnb - Fayetteville Raeford Rd Walmart Branch | Fayetteville , NC | 28304 | $4.5M |
| Fsnb - Antioch Walmart Branch | Antioch , TN | 37013 | $4.1M |
| Fsnb - Wilmington Market St Walmart Branch | Wilmington , NC | 28403 | $3.8M |
| Fsnb - Knoxville Branch | Knoxville , TN | 37912 | $3.6M |
| Fsnb - Spring Lake Walmart Branch | Spring Lake , NC | 28390 | $3.5M |
| Fsnb - Jacksonville Walmart Branch | Jacksonville , NC | 28546 | $3.4M |
| Online Account Branch | Lawton , OK | 73501 | $3.2M |
| Dover Wal-Mart Branch | Dover , DE | 19901 | $3.1M |
| Fsnb - Cookeville Branch | Cookeville , TN | 38501 | $2.5M |
| Fsnb - Murfreesboro Rutherford Walmart Branch | Murfreesboro , TN | 37130 | $2.5M |
| Dickerson Pike Branch | Nashville , TN | 37207 | $2.3M |
| Fsnb - Wilmington Monkey Junction Walmart Branch | Wilmington , NC | 28412 | $2.3M |
| Winchesterbranch | Memphis , TN | 38125 | $2.1M |
| Fsnb - Mcminnville Branch | Mc Minnville , TN | 37110 | $2.1M |
| Jackson Branch | Jackson , TN | 38305 | $2.0M |
| Austin Peay Branch | Memphis , TN | 38128 | $2.0M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in OK, rank 101 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 35 applications, 11 loans originated, $5.0M originated, across 8 states
- Period: Calendar year 2019. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $100K approved, $100K average. 0.00% 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
- 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 FSNB, N.A.
What are FSNB, N.A.'s total assets?
As of the Q2 2026 filing, FSNB, N.A. reported total assets of $478.3 million in its FFIEC call report.
Where is FSNB, N.A. headquartered?
It is headquartered in Lawton, OK, United States.
When was FSNB, N.A. founded?
It was established in 1946, per the FDIC institution directory.
Is FSNB, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #16416). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates FSNB, N.A.?
FSNB, N.A.'s primary federal regulator is the OCC.
How many branches does FSNB, N.A. operate?
It operates 68 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is FSNB, N.A.'s Texas Ratio?
Its Texas Ratio is 3.96% 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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