Great Nations Bank
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Data as of · sourced from FFIEC call reports. How we update
Great Nations Bank is an FDIC-insured commercial bank headquartered in Norman, OK, established in 2009 (FDIC certificate 58680), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $113.8M, down 3.8% from Q2 2025, the 126th largest of 169 banks headquartered in Oklahoma. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.27% 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
- 58680
- Headquarters
- Norman, OK
- Established
- 2009
- Total assets, Q2 2026
- $113.8M
- Assets vs Q2 2025
- -3.8%
- Tier 1 leverage ratio, Q2 2026
- 10.27%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 103113276
- Asset rank in state
- 126th of 169 in Oklahoma
Great Nations Bank pays more for its money than most banks of its size. Based in Norman, Oklahoma, it had $114 million in assets at June 30, 2026, down 3.8% from a year earlier. It pays an average of 3.29% on its deposits and borrowings, about double the median of 1.80% for the 2,660 banks with $100 million to $1 billion in assets. It also shrank its loan book 4.7% over the year, lower than about 9 in 10 banks its size (median 5.5%).
Net income for the quarter slipped 13% from a year earlier, to $227,000. Costs are the weak spot: it spends about 77 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, Great Nations Bank reported a return on assets of 0.80%, a nonperforming-loan ratio of 0.10% and a Texas ratio of 0.74%. The figures come from its call report filed with the FFIEC.
Great Nations Bank ranks as the 126th largest of the 169 banks based in Oklahoma, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.2% to $113.8M, loans rose 0.6% and deposits fell 0.4%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 46.8% of total loans, ahead of owner-occupied commercial real estate loans at 20.6%. The FDIC Summary of Deposits lists 2 offices for it, in Norman, OK and Yukon, OK; its Norman office books 68% of its branch deposits. Judged on its Q2 2026 call report, Great Nations Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 2200 Alameda St, Norman, OK 73071
- County
- Cleveland
- Metro Area
- Oklahoma City, 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
- September 28, 2009
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 18
- Domestic deposits
- $100.5M
- Allowance for credit losses
- $1.0M
- Net charge-offs (YTD)
- $0
- Average total assets
- $113.1M
- Average total loans
- $89.8M
- Average interest-bearing deposits
- $90.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- September 28, 2009
- FDIC Cert
- 58680
- Fed RSSD
- 3599804
- Website
- www.greatnationsbank.com →
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, Great Nations Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Great Nations Bank's total assets moved between a low of $84.6M (Q3 2023) and a high of $118.2M (Q2 2025) from Q3 2023 to Q2 2026, and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$113.8M total assets against $118.2M; $102.4M total liabilities against $108.0M.
$89.1M net loans and leases against $93.7M; $100.5M total deposits against $105.8M.
$2.3M securities against $2.8M; $18.8M cash and balances due against $18.4M.
$1.9M total interest income against $2.1M; $846K total interest expense against $1.0M.
$1.1M net interest income against $1.1M.
$29K total noninterest income against $45K; $873K total noninterest expense against $813K.
$30K provision for credit losses against $50K.
$227K net income against $260K.
0.80% return on assets against 0.89%; 3.99% net interest margin against 3.78%.
10.27% tier 1 leverage ratio against 9.06%.
Inside the full Great Nations Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeGreat Nations Bank rankings
Its closest position to the top of a national ranking is 2,839 of 3,640, for Texas Ratio; its furthest is 3,138 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -1.53% (Q4 2024) to 1.28% (Q3 2025) and its net interest margin ran from 3.61% (Q3 2024) to 3.99% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.27% | 0.80% | 0.10% | 0.74% | 3.99% |
| Q1 2026 | 10.10% | 0.60% | 0.00% | 0.00% | 3.82% |
| Q4 2025 | 9.65% | 0.94% | 0.00% | 0.84% | 3.81% |
| Q3 2025 | 9.32% | 1.28% | 0.00% | 0.00% | 3.71% |
| Q2 2025 | 9.06% | 0.89% | 0.00% | 0.00% | 3.78% |
| Q1 2025 | 9.19% | 0.62% | 0.00% | 0.00% | 3.64% |
| Q4 2024 | 9.13% | -1.53% | 0.00% | 0.00% | 3.82% |
| Q3 2024 | 9.67% | 0.57% | 0.81% | 6.41% | 3.61% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 |
|---|---|---|---|
| Great Nations Bank (main office) | Norman , OK | 73071 | $68.4M |
| Yukon Branch | Yukon , OK | 73099 | $32.0M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in OK, rank 140 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $1.2M approved, $1.2M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2014 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Great Nations Bank
What are Great Nations Bank's total assets?
As of the Q2 2026 filing, Great Nations Bank reported total assets of $113.8 million in its FFIEC call report.
Where is Great Nations Bank headquartered?
It is headquartered in Norman, OK, United States.
When was Great Nations Bank founded?
It was established in 2009, per the FDIC institution directory.
Is Great Nations Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #58680). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Great Nations Bank?
Great Nations Bank's primary federal regulator is the FDIC.
How many branches does Great Nations 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 Great Nations Bank's Texas Ratio?
Its Texas Ratio is 0.74% 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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