Financial strength ranking · Oklahoma · Call Report data as of Q2 2026

Best Banks in Oklahoma by Financial Strength

First Bank of Owasso ranks first among the 130 banks headquartered in Oklahoma we score, with a financial strength score of 89.2 out of 100 as of June 30, 2026. The score averages each bank's national percentile on four Call Report ratios: return on assets, efficiency ratio, Tier 1 leverage ratio and nonperforming assets ratio.

Ranked first: First Bank of Owasso
Its score: 89.2 of 100
Banks scored in Oklahoma: 130
Its return on assets: 2.80%

The 100 highest scoring banks in Oklahoma

Select a column heading to sort. Score is 0 to 100, where 100 would be the best US bank on all four ratios; ratios for Q2 2026.

Banks headquartered in Oklahoma ranked by financial strength score, with total assets, return on assets, efficiency ratio, Tier 1 leverage ratio and nonperforming assets ratio.

1	First Bank of Owasso Owasso	89.2	2.80%	45.09%	15.67%	0.01%	$639.3M
2	The First National Bank and Trust Company of Broken Arrow Broken Arrow	85.0	2.42%	46.05%	16.42%	0.12%	$269.5M
3	First Bank Erick	82.6	2.91%	46.72%	14.16%	0.15%	$118.0M
4	The First Bank of Okarche Okarche	82.0	2.23%	33.63%	16.13%	0.33%	$137.5M
5	Corebank Waynoka	78.8	1.97%	52.01%	11.78%	0.00%	$122.1M
6	FNB Coweta Coweta	78.5	2.16%	50.80%	11.17%	0.00%	$127.8M
7	Security Bank Tulsa	78.2	2.20%	42.46%	11.84%	0.13%	$939.0M
8	Watermark Bank Oklahoma City	77.6	1.49%	51.36%	13.29%	0.00%	$450.5M
9	Cowboy Bank Kremlin	77.1	2.53%	40.43%	12.72%	0.36%	$350.3M
10	Security State Bank of Oklahoma Wewoka	75.8	2.49%	38.40%	12.41%	0.40%	$388.2M
11	Kirkpatrick Bank Edmond	75.7	2.34%	50.59%	10.67%	0.00%	$1.00B
12	Cleo State Bank Cleo Springs	74.1	2.79%	39.64%	16.43%	1.18%	$122.5M
13	First National Bank & Trust, Elk City, Oklahoma Elk City	74.0	2.04%	47.63%	13.09%	0.34%	$294.0M
14	Liberty National Bank Lawton	73.3	2.19%	48.99%	10.31%	0.01%	$1.32B
15	The Payne County Bank Perkins	72.3	2.37%	44.77%	14.39%	0.82%	$313.2M
16	Sooner State Bank Tuttle	72.2	2.06%	54.13%	12.75%	0.22%	$354.6M
17	BANK7 Oklahoma City	70.7	1.79%	51.88%	13.88%	0.35%	$1.91B
18	Grand Savings Bank Grove	70.2	2.24%	44.83%	11.97%	0.54%	$1.03B
19	Anchor D Bank Texhoma	69.9	1.76%	52.02%	10.53%	0.01%	$404.5M
20	Oklahoma Bank and Trust Company Clinton	69.8	1.42%	50.73%	14.05%	0.21%	$202.3M
21	The State Bank of Wynnewood Wynnewood	69.5	1.17%	59.69%	15.63%	0.00%	$111.4M
22	The First National Bank and Trust Company of Miami Miami	69.4	1.88%	51.85%	13.42%	0.43%	$191.4M
23	The Peoples National Bank of Checotah Checotah	69.1	1.52%	59.22%	16.06%	0.14%	$171.8M
24	Security State Bank Cheyenne	68.7	2.41%	42.15%	10.73%	0.41%	$279.5M
25	Grand Bank Tulsa	68.6	1.54%	51.66%	10.33%	0.00%	$712.8M
26	Bank of Hydro Hydro	68.3	2.66%	47.93%	11.56%	0.57%	$180.8M
27	International Bank of Commerce Oklahoma City	66.0	1.38%	55.49%	15.53%	0.30%	$1.63B
28	Brooks Bank, N.A. Chickasha	64.8	2.11%	48.37%	13.31%	1.48%	$1.07B
29	Interbank Oklahoma City	64.7	3.36%	33.21%	11.06%	1.41%	$5.33B
30	Citizens Bank & Trust Company of Ardmore Ardmore	64.7	1.57%	59.69%	10.60%	0.00%	$318.8M
31	All Capital Bank Locust Grove	62.5	1.99%	44.59%	9.52%	0.29%	$176.1M
32	Shamrock Bank, N.A. Coalgate	62.3	1.89%	58.03%	10.79%	0.19%	$501.5M
33	Bank of Western Oklahoma Elk City	61.9	2.08%	48.05%	8.06%	0.09%	$469.7M
34	McCurtain County National Bank Broken Bow	61.7	1.25%	51.59%	15.65%	0.61%	$384.2M
35	First Bank & Trust Company Perry	61.4	1.81%	54.81%	11.34%	0.43%	$255.2M
36	First Bank & Trust Company Duncan	61.1	2.26%	55.16%	14.89%	3.94%	$952.1M
37	FSNB, N.A. Lawton	60.8	4.14%	71.39%	17.51%	0.75%	$478.3M
38	The Security National Bank of Enid Enid	60.8	1.78%	48.44%	8.74%	0.08%	$400.4M
39	First National Bank of Oklahoma Oklahoma City	59.1	2.39%	44.41%	10.46%	1.34%	$949.9M
40	Triad Bank, N.A. Tulsa	59.1	2.41%	53.37%	12.66%	4.58%	$228.6M
41	High Plains Bank Okeene	58.9	2.11%	53.14%	10.76%	0.71%	$330.2M
42	The Exchange Bank Skiatook	58.6	1.12%	66.73%	12.10%	0.00%	$158.4M
43	First National Bank and Trust Company of Ardmore Ardmore	57.9	1.58%	62.14%	10.07%	0.02%	$686.7M
44	Bank of Commerce Chelsea	57.9	1.80%	63.62%	12.78%	0.52%	$203.2M
45	BancFirst Oklahoma City	57.6	1.81%	48.60%	10.63%	0.82%	$12.80B
46	First Liberty Bank Oklahoma City	57.5	1.20%	63.06%	11.82%	0.06%	$885.0M
47	First National Bank & Trust Company of McAlester McAlester	57.3	1.98%	53.93%	10.89%	0.81%	$580.4M
48	Stride Bank, N.A. Enid	56.1	2.19%	46.28%	8.37%	0.45%	$5.42B
49	Armstrong Bank Muskogee	55.9	1.42%	54.79%	10.42%	0.26%	$2.84B
50	Oklahoma Capital Bank Tulsa	55.7	1.31%	53.09%	10.39%	0.25%	$196.3M
51	American Exchange Bank Henryetta	55.2	1.84%	63.10%	13.54%	1.06%	$103.7M
52	The First State Bank Boise City	54.4	2.10%	42.93%	9.93%	1.73%	$160.0M
53	The Farmers and Merchants National Bank of Fairview Fairview	54.3	1.36%	55.13%	12.18%	0.76%	$118.7M
54	Valor Bank Edmond	54.2	2.39%	57.13%	8.70%	0.28%	$302.6M
55	Community Bank Bristow	54.2	2.16%	53.69%	10.09%	0.88%	$119.1M
56	Monument Bank Poteau	53.9	1.91%	63.65%	9.89%	0.20%	$112.8M
57	McClain Bank Purcell	53.1	1.71%	56.56%	9.52%	0.30%	$294.0M
58	The Idabel National Bank Idabel	53.1	1.00%	44.29%	16.18%	5.71%	$242.3M
59	Frontier State Bank Oklahoma City	53.0	1.63%	49.21%	11.55%	3.81%	$608.6M
60	Exchange Bank and Trust Company Perry	52.8	1.97%	55.84%	10.75%	1.20%	$428.7M
61	First Fidelity Bank Oklahoma City	52.7	1.34%	54.33%	10.22%	0.33%	$2.98B
62	First State Bank Valliant	52.6	1.81%	69.66%	10.91%	0.29%	$100.3M
63	The Bank, N.A. McAlester	52.0	1.91%	59.43%	10.85%	0.88%	$488.1M
64	F&M Bank Edmond	51.6	1.25%	54.25%	10.00%	0.26%	$915.3M
65	Welch State Bank of Welch, Okla. Welch	51.5	1.67%	64.40%	10.20%	0.25%	$449.8M
66	Cattlemens Bank Altus	50.9	1.42%	60.29%	10.28%	0.27%	$595.2M
67	Citizens Bank of Ada Ada	50.2	1.90%	60.85%	9.50%	0.37%	$353.7M
68	First State Bank Anadarko	49.4	0.77%	60.62%	11.21%	0.10%	$139.6M
69	RCB Bank Claremore	49.2	1.53%	60.97%	10.70%	0.55%	$3.98B
70	Vast Bank, N.A. Tulsa	49.2	0.74%	84.26%	14.12%	0.00%	$540.4M
71	American Bank and Trust Company Tulsa	49.0	1.20%	56.65%	15.32%	4.08%	$324.4M
72	The Bank of the West Thomas	48.6	1.92%	57.57%	10.49%	1.56%	$192.4M
73	The Seiling State Bank Seiling	46.8	1.00%	71.00%	10.54%	0.00%	$195.0M
74	Quail Creek Bank Oklahoma City	46.7	1.75%	56.96%	9.07%	0.57%	$831.2M
75	Spiro State Bank Spiro	46.4	0.33%	85.14%	17.01%	0.06%	$129.9M
76	The City National Bank and Trust Company of Lawton, Oklahoma Lawton	44.6	1.85%	79.96%	13.87%	2.58%	$446.2M
77	First Bethany Bank & Trust Bethany	44.5	1.17%	60.74%	9.10%	0.11%	$316.8M
78	Carson Community Bank Stilwell	44.2	1.42%	72.91%	12.63%	0.86%	$166.7M
79	First Pryority Bank Pryor	43.5	1.48%	58.38%	10.55%	1.51%	$558.1M
80	American Nation Bank Ardmore	43.4	1.49%	63.63%	10.31%	0.70%	$691.5M
81	The Farmers Bank Carnegie	43.2	0.90%	68.41%	11.58%	0.28%	$139.6M
82	Panhandle First Bank Guymon	43.0	-1.07%	46.57%	13.03%	1.80%	$568.7M
83	Security First National Bank of Hugo Hugo	42.9	1.71%	59.20%	10.38%	3.04%	$137.7M
84	BOKF, N.A. Tulsa	42.1	1.26%	62.18%	9.29%	0.28%	$52.98B
85	Wisdom Heritage Bank Alva	42.1	0.90%	68.89%	14.22%	0.72%	$601.3M
86	American Heritage Bank Sapulpa	41.8	0.95%	64.70%	9.57%	0.07%	$1.48B
87	Mabrey Bank Bixby	41.5	1.24%	57.53%	8.47%	0.32%	$2.02B
88	Firstar Bank Sallisaw	40.7	1.51%	59.88%	9.03%	0.62%	$1.24B
89	Frazer Bank Altus	40.7	0.32%	87.19%	11.21%	0.00%	$354.3M
90	The First Security Bank Beaver	40.2	1.56%	48.54%	8.29%	2.07%	$335.0M
91	The Farmers State Bank Quinton	39.9	1.62%	67.17%	9.30%	0.52%	$193.9M
92	Prism Bank Guthrie	39.5	1.02%	61.95%	10.08%	0.42%	$720.9M
93	Sovereign Bank Shawnee	39.2	0.64%	72.12%	10.29%	0.05%	$1.47B
94	FirstBank Antlers	38.5	1.19%	71.55%	10.81%	0.54%	$684.3M
95	MidFirst Bank Oklahoma City	38.4	1.53%	51.63%	9.01%	14.39%	$42.83B
96	Great Plains National Bank Elk City	37.7	1.83%	65.82%	9.42%	1.23%	$1.93B
97	Great Nations Bank Norman	37.6	0.80%	77.26%	10.27%	0.08%	$113.8M
98	Ameristate Bank Atoka	36.9	1.85%	65.11%	9.55%	1.99%	$477.7M
99	Acb Bank Cherokee	36.9	0.90%	64.64%	12.24%	1.35%	$135.5M
100	Patrons Bank, N.A. Okmulgee	36.6	1.12%	73.50%	10.77%	0.52%	$314.5M

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How the score works

Each bank gets a percentile on each of four ratios, measured against every US bank that filed a Call Report for the quarter and turned so that higher is always better: 100 is the best bank in the country on that ratio and 0 the weakest. The score is the plain average of the four percentiles; 3,583 banks nationwide are scored.

Return on assets: higher is better.
Efficiency ratio: lower is better.
Tier 1 leverage ratio: higher is better.
Nonperforming assets ratio: lower is better.

A bank is scored when it is ranked on all four of those leaderboards: at least $100 million in total assets, open, a lending institution, and a quarter not driven by gains or losses on equity securities. Banks are listed by headquarters state.

Frequently asked questions

What is the best bank in Oklahoma?

By our financial strength score, First Bank of Owasso of Owasso ranks first among the 130 scored banks headquartered in Oklahoma, scoring 89.2 out of 100 for Q2 2026: return on assets of 2.80%, an efficiency ratio of 45.09%, a Tier 1 leverage ratio of 15.67% and nonperforming assets of 0.01% of total assets. The First National Bank and Trust Company of Broken Arrow and First Bank rank second and third.

How are the best banks in Oklahoma ranked?

Each bank is placed on four Call Report ratios against every US bank that filed for the quarter: return on assets and the Tier 1 leverage ratio, where higher is better, and the efficiency ratio and the nonperforming assets ratio, where lower is better. Each placement is a percentile from 0 to 100, and the score is their average. Only banks with at least $100 million in assets that are ranked on all four ratios are scored, 3,583 banks nationwide.

Does this ranking say which bank I should open an account with?

No. The score reads only what a bank files with its regulators: earnings, cost control, capital and problem assets. It does not measure deposit rates, fees, branches, apps or service, which matter most when choosing a bank for an account, and it is not a safety rating. FDIC insurance protects deposits at insured banks up to the legal limit regardless of a bank's score.

More in Oklahoma

Largest banks in Oklahoma Bank deposits in Oklahoma Largest credit unions in Oklahoma Return on assets ranking Efficiency ratio ranking Tier 1 leverage ratio ranking Nonperforming assets ratio ranking All rankings

Source: FFIEC Call Reports for Q2 2026, refreshed as each quarter's filings are processed. A ranking is not a safety rating: FDIC insurance covers deposits at insured banks up to the legal limit, whatever the score. Check your coverage with the FDIC insurance calculator.