FSNB, N.A.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 21.27 percentage points lower than in Q1 2026, at 754.03%. FSNB, N.A. has the highest return on assets of the 169 banks headquartered in Oklahoma, 4.14% as of Q2 2026. Against a median of 1.25% for banks in the $100M-1B asset tier, FSNB, N.A. reported 4.14% on return on assets in Q2 2026, 2.89 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 17.51% |
| Equity capital to assets | 17.37% |
| Tangible equity to tangible assets | 17.37% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.23% |
| Non-performing assets ratio | 0.71% |
| Net charge-off ratio | 1.12% |
| Texas ratio | 4.18% |
| Allowance for credit losses to loans | 1.71% |
| Reserve coverage of non-performing loans | 754.03% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 4.14% |
| Return on equity | 24.33% |
| Net interest margin | 4.17% |
| Efficiency ratio | 71.39% |
| Yield on earning assets | 4.45% |
| Cost of funds | 0.30% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 39.86% |
| Core deposits to total deposits | 99.62% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 77.30% |
| Securities to assets | 56.02% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 15.13% | 3.82% | 3.90% | 1.56% | 1.52% |
| Q4 2023 | 15.54% | 3.36% | 4.01% | 0.00% | 1.64% |
| Q1 2024 | 15.58% | 3.54% | 3.97% | 0.00% | 1.10% |
| Q2 2024 | 15.97% | 2.86% | 4.08% | 0.00% | 1.18% |
| Q3 2024 | 16.22% | 2.74% | 4.10% | 0.00% | 1.61% |
| Q4 2024 | 16.32% | 3.55% | 4.06% | 0.00% | 1.31% |
| Q1 2025 | 16.20% | 2.20% | 4.02% | 0.00% | 0.97% |
| Q2 2025 | 16.53% | 3.63% | 4.10% | 0.22% | 0.98% |
| Q3 2025 | 17.13% | 4.96% | 4.25% | 0.22% | 1.11% |
| Q4 2025 | 17.33% | 4.62% | 4.15% | 0.24% | 1.33% |
| Q1 2026 | 17.10% | 2.78% | 4.07% | 0.23% | 0.90% |
| Q2 2026 | 17.51% | 4.14% | 4.17% | 0.23% | 1.12% |
FSNB, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock FSNB, N.A., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full FSNB, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16416) · FFIEC NIC profile (RSSD 125154)