Asset Quality ranking · Oklahoma · Call report data as of September 30, 2026
Oklahoma Banks: Highest CRE Delinquency
First Enterprise Bank has the highest commercial real estate noncurrent rate of the 98 ranked banks headquartered in Oklahoma, at 13.46% as of September 30, 2026. The median among the 98 ranked Oklahoma banks is 0.13%, against 0.19% for all US banks. That top value sits far outside the middle half of ranked banks (0.00% to 1.41%). A rate this far from the middle usually comes from a few large problem loans or from lending to borrowers with lower credit scores, so read it beside the bank's dollar amounts and its trend.
This list ranks Oklahoma banks by commercial real estate noncurrent rate. For the largest banks headquartered in Oklahoma, see largest banks in Oklahoma.
- No. 1 in Oklahoma
- First Enterprise Bank
- Its CRE noncurrent
- 13.46%
- Oklahoma median
- 0.13%
- Banks ranked
- 98
Ranked among banks headquartered in Oklahoma, numbered 1 to 98 within the state from the same population as the national list. Browse every bank in the Oklahoma bank directory.
Top 98 Oklahoma banks by commercial real estate noncurrent rate
Highest first. Select a column heading to sort. The gap column shows each bank's distance from the Oklahoma median of 0.13%. Missing values show as a dash and sort last.
| 1 | First Enterprise Bank Oklahoma City, OK | 13.46% | $189.6M $100M to $1B |
| 2 | First Bank & Trust Company Duncan, OK | 10.95% | $946.7M $100M to $1B |
| 3 | The Pauls Valley National Bank Pauls Valley, OK | 10.28% | $350.0M $100M to $1B |
| 4 | All America Bank Oklahoma City, OK | 9.12% | $607.7M $100M to $1B |
| 5 | Gateway First Bank Jenks, OK | 6.40% | $2.00B $1B to $10B |
| 6 | Frontier State Bank Oklahoma City, OK | 6.19% | $622.1M $100M to $1B |
| 7 | Legacy Bank Hinton, OK | 5.48% | $694.9M $100M to $1B |
| 8 | Chickasaw Community Bank Oklahoma City, OK | 4.49% | $558.0M $100M to $1B |
| 9 | Ameristate Bank Atoka, OK | 3.92% | $474.0M $100M to $1B |
| 10 | Interbank Oklahoma City, OK | 3.90% | $5.29B $1B to $10B |
| 11 | Bank of Grand Lake Grove, OK | 3.66% | $242.2M $100M to $1B |
| 12 | Panhandle First Bank Guymon, OK | 3.63% | $559.8M $100M to $1B |
| 13 | Vision Bank Ada, OK | 3.39% | $996.4M $100M to $1B |
| 14 | High Plains Bank Okeene, OK | 3.23% | $339.1M $100M to $1B |
| 15 | Citizens Bank of Ada Ada, OK | 2.97% | $351.4M $100M to $1B |
| 16 | Regent Bank Tulsa, OK | 2.63% | $2.40B $1B to $10B |
| 17 | First Pryority Bank Pryor, OK | 2.46% | $580.1M $100M to $1B |
| 18 | First National Bank of Oklahoma Oklahoma City, OK | 2.45% | $992.0M $100M to $1B |
| 19 | Stride Bank, N.A. Enid, OK | 2.09% | $3.60B $1B to $10B |
| 20 | Firstar Bank Sallisaw, OK | 1.79% | $1.20B $1B to $10B |
| 21 | First United Bank and Trust Company Durant, OK | 1.54% | $16.54B $10B to $100B |
| 22 | First National Bank & Trust Company of McAlester McAlester, OK | 1.54% | $570.7M $100M to $1B |
| 23 | Exchange Bank and Trust Company Perry, OK | 1.51% | $437.6M $100M to $1B |
| 24 | RCB Bank Claremore, OK | 1.50% | $3.90B $1B to $10B |
| 25 | Patrons Bank, N.A. Okmulgee, OK | 1.44% | $317.3M $100M to $1B |
| 26 | American Bank and Trust Company Tulsa, OK | 1.34% | $327.8M $100M to $1B |
| 27 | Bank of Commerce Chelsea, OK | 1.20% | $196.6M $100M to $1B |
| 28 | Cowboy Bank Kremlin, OK | 1.13% | $638.3M $100M to $1B |
| 29 | Blue SKY Bank Pawhuska, OK | 1.06% | $1.39B $1B to $10B |
| 30 | Brooks Bank, N.A. Chickasha, OK | 1.03% | $1.05B $1B to $10B |
| 31 | Valliance Bank Oklahoma City, OK | 1.01% | $981.3M $100M to $1B |
| 32 | Prism Bank Guthrie, OK | 0.94% | $784.6M $100M to $1B |
| 33 | MidFirst Bank Oklahoma City, OK | 0.77% | $43.83B $10B to $100B |
| 34 | The Citizens Bank of Edmond Edmond, OK | 0.64% | $459.2M $100M to $1B |
| 35 | Great Plains National Bank Elk City, OK | 0.59% | $1.94B $1B to $10B |
| 36 | The Bank, N.A. McAlester, OK | 0.44% | $491.3M $100M to $1B |
| 37 | First Fidelity Bank Oklahoma City, OK | 0.44% | $3.04B $1B to $10B |
| 38 | BOKF, N.A. Tulsa, OK | 0.42% | $53.95B $10B to $100B |
| 39 | Quail Creek Bank Oklahoma City, OK | 0.40% | $811.4M $100M to $1B |
| 40 | FirstBank Antlers, OK | 0.39% | $664.2M $100M to $1B |
| 41 | SpiritBank Tulsa, OK | 0.36% | $862.9M $100M to $1B |
| 42 | The Community State Bank Poteau, OK | 0.36% | $392.0M $100M to $1B |
| 43 | First Bank of Owasso Owasso, OK | 0.35% | $635.9M $100M to $1B |
| 44 | Wisdom Heritage Bank Alva, OK | 0.33% | $630.5M $100M to $1B |
| 45 | Shamrock Bank, N.A. Coalgate, OK | 0.32% | $495.8M $100M to $1B |
| 46 | BANK7 Oklahoma City, OK | 0.26% | $2.01B $1B to $10B |
| 47 | BancFirst Oklahoma City, OK | 0.20% | $12.73B $10B to $100B |
| 48 | Local Bank Hulbert, OK | 0.15% | $475.1M $100M to $1B |
| 49 | Armstrong Bank Muskogee, OK | 0.14% | $3.05B $1B to $10B |
| 50 | First National Bank & Trust, Elk City, Oklahoma Elk City, OK | 0.11% | $293.7M $100M to $1B |
| 51 | Mabrey Bank Bixby, OK | 0.09% | $2.11B $1B to $10B |
| 52 | Liberty National Bank Lawton, OK | 0.07% | $1.27B $1B to $10B |
| 53 | Sooner State Bank Tuttle, OK | 0.07% | $357.0M $100M to $1B |
| 54 | Grand Savings Bank Grove, OK | 0.04% | $1.05B $1B to $10B |
| 55 | Welch State Bank of Welch, Okla. Welch, OK | 0.02% | $438.3M $100M to $1B |
| 56 | Cattlemens Bank Altus, OK | 0.02% | $624.1M $100M to $1B |
| 57 | Security Bank and Trust Company Miami, OK | 0.02% | $174.0M $100M to $1B |
| 58 | First Oklahoma Bank Jenks, OK | 0.01% | $1.34B $1B to $10B |
| 59 | International Bank of Commerce Oklahoma City, OK | 0.00% | $1.63B $1B to $10B |
| 60 | Sovereign Bank Shawnee, OK | 0.00% | $1.45B $1B to $10B |
| 61 | American Heritage Bank Sapulpa, OK | 0.00% | $1.44B $1B to $10B |
| 62 | Maplemark Bank Tulsa, OK | 0.00% | $1.08B $1B to $10B |
| 63 | Kirkpatrick Bank Edmond, OK | 0.00% | $925.4M $100M to $1B |
| 64 | F&M Bank Edmond, OK | 0.00% | $923.9M $100M to $1B |
| 65 | Security Bank Tulsa, OK | 0.00% | $918.1M $100M to $1B |
| 66 | First Liberty Bank Oklahoma City, OK | 0.00% | $884.9M $100M to $1B |
| 67 | American Nation Bank Ardmore, OK | 0.00% | $707.0M $100M to $1B |
| 68 | Grand Bank Tulsa, OK | 0.00% | $704.2M $100M to $1B |
| 69 | First National Bank and Trust Company of Ardmore Ardmore, OK | 0.00% | $689.2M $100M to $1B |
| 70 | Avb Bank Broken Arrow, OK | 0.00% | $575.2M $100M to $1B |
| 71 | Vast Bank, N.A. Tulsa, OK | 0.00% | $534.6M $100M to $1B |
| 72 | Watermark Bank Oklahoma City, OK | 0.00% | $503.5M $100M to $1B |
| 73 | FSNB, N.A. Lawton, OK | 0.00% | $483.3M $100M to $1B |
| 74 | FNB Community Bank Midwest City, OK | 0.00% | $477.3M $100M to $1B |
| 75 | Bank of Western Oklahoma Elk City, OK | 0.00% | $465.5M $100M to $1B |
| 76 | Anchor D Bank Texhoma, OK | 0.00% | $454.8M $100M to $1B |
| 77 | The City National Bank and Trust Company of Lawton, Oklahoma Lawton, OK | 0.00% | $444.4M $100M to $1B |
| 78 | Security State Bank of Oklahoma Wewoka, OK | 0.00% | $386.5M $100M to $1B |
| 79 | The Security National Bank of Enid Enid, OK | 0.00% | $376.2M $100M to $1B |
| 80 | The First Security Bank Beaver, OK | 0.00% | $345.7M $100M to $1B |
| 81 | Frazer Bank Altus, OK | 0.00% | $331.2M $100M to $1B |
| 82 | Bank of Commerce Duncan, OK | 0.00% | $327.7M $100M to $1B |
| 83 | First Bethany Bank & Trust Bethany, OK | 0.00% | $318.8M $100M to $1B |
| 84 | Citizens Bank & Trust Company of Ardmore Ardmore, OK | 0.00% | $317.4M $100M to $1B |
| 85 | The Bankers Bank Oklahoma City, OK | 0.00% | $315.6M $100M to $1B |
| 86 | The Payne County Bank Perkins, OK | 0.00% | $314.1M $100M to $1B |
| 87 | Valor Bank Edmond, OK | 0.00% | $304.3M $100M to $1B |
| 88 | McClain Bank Purcell, OK | 0.00% | $286.9M $100M to $1B |
| 89 | The First National Bank and Trust Company of Broken Arrow Broken Arrow, OK | 0.00% | $276.7M $100M to $1B |
| 90 | YNB Yukon, OK | 0.00% | $259.1M $100M to $1B |
| 91 | Triad Bank, N.A. Tulsa, OK | 0.00% | $233.0M $100M to $1B |
| 92 | First Texoma National Bank Durant, OK | 0.00% | $224.5M $100M to $1B |
| 93 | Oklahoma Capital Bank Tulsa, OK | 0.00% | $202.1M $100M to $1B |
| 94 | All Capital Bank Locust Grove, OK | 0.00% | $184.3M $100M to $1B |
| 95 | Bank of Hydro Hydro, OK | 0.00% | $180.6M $100M to $1B |
| 96 | Spiro State Bank Spiro, OK | 0.00% | $152.3M $100M to $1B |
| 97 | The Farmers Bank Carnegie, OK | 0.00% | $143.3M $100M to $1B |
| 98 | Great Nations Bank Norman, OK | 0.00% | $111.0M $100M to $1B |
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Definition and formula
The commercial real estate (CRE) noncurrent rate on this list is the share of a bank's loans secured by nonfarm nonresidential property, such as offices, stores, warehouses and hotels, that are on nonaccrual or 90 or more days past due and still accruing. Owner-occupied and investor-owned property are both included. Multifamily and construction loans are reported on their own lines of the call report and are not.
CRE noncurrent rate = (Nonfarm nonresidential loans on nonaccrual + Nonfarm nonresidential loans 90+ days past due and still accruing) / Nonfarm nonresidential loans
The glossary entry for Commercial Real Estate Loans explains each term, the call report items behind it and a worked example.
Which banks are ranked
This list ranks the 98 banks headquartered in Oklahoma that meet every rule below, using each bank's latest FFIEC call report (data as of September 30, 2026).
- Banks with at least $100M in total assets, so a ratio on a very small balance sheet cannot lead the list.
- Banks with at least $25M in nonfarm nonresidential (commercial property) loans, so a rate on a few loans cannot lead the list.
- Lending institutions only: charters with loans under 5% of assets, mostly trust and custody banks, are not ranked.
- Charters the regulator has closed, merged or converted are excluded.
- Each bank charter ranks on its own; holding companies are not combined.
What moves the CRE noncurrent rate
The rate rises when tenants leave or rents fall far enough that a property's income no longer covers its loan payments, as has happened to many office buildings since 2020, and when a maturing loan cannot be refinanced at current rates. Owner-occupied loans depend more on the borrower's business than on the building, so a bank whose book is mostly owner-occupied tends to run a lower rate. A single large loan can move a small bank's rate by several points, so compare it with the dollar amounts and the trend.
Frequently asked questions
Which bank in Oklahoma has the highest commercial real estate noncurrent rate?
First Enterprise Bank has the highest commercial real estate noncurrent rate of the 98 ranked banks headquartered in Oklahoma, at 13.46% as of September 30, 2026, according to its FFIEC call report. First Bank & Trust Company ranks second at 10.95%. The median is 0.13%.
What is the median CRE noncurrent rate among ranked US banks?
As of Q3 2026, CRE noncurrent rate for the middle half of the 2,776 ranked US banks ran from 0.00% to 1.05%, and the median was 0.19%. Compare a bank with peers of the same size and business model rather than with the top of this list. See the Commercial Real Estate Loans glossary entry.
How is the CRE noncurrent rate calculated?
CRE noncurrent rate = (Nonfarm nonresidential loans on nonaccrual + Nonfarm nonresidential loans 90+ days past due and still accruing) / Nonfarm nonresidential loans. Each bank charter is ranked on its own; holding companies are not combined. See the Commercial Real Estate Loans glossary entry.
The same ranking in other states
Other Oklahoma rankings
More asset quality rankings
Source: FFIEC call reports for the quarter ended September 30, 2026, refreshed as each quarter's filings are processed. See data updates for the current freshness window. Next update: Q4 2026 Call Reports are due February 1, 2027; we expect them on the platform by mid-February 2027.
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