The City National Bank and Trust Company of Lawton, Oklahoma: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Operating from Lawton, OK, The City National Bank and Trust Company of Lawton, Oklahoma serves its local market as an FDIC-insured commercial bank. Total assets stand at $446M. Profitability is strong, 1.85% ROA, paired with 14.07% ROE and a 4.18% net interest margin. Under the simplified Community Bank Leverage Ratio framework, leverage of 13.87% exceeds the CBLR threshold. Credit metrics are pristine, with nonperforming loans at just 0.38%. The City National Bank and Trust Company of Lawton, Oklahoma operates a 39-branch network.
As of June 30, 2026, The City National Bank and Trust Company of Lawton, Oklahoma reported a Tier 1 leverage ratio of 13.87%, a return on assets of 1.85%, a nonperforming-loan ratio of 0.38%, a Texas ratio of 17.79%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 500 Montgomery Sq, 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
- March 23, 1901
- Former names
- The City National Bank and Trust Company of Lawton, Oklahoma (1967)
- Offices
- 39 domestic
- Employees (FTE)
- 342
- Domestic deposits
- $373.9M
- Allowance for credit losses
- $5.8M
- Net charge-offs (YTD)
- $921K
- Average total assets
- $442.9M
- Average total loans
- $303.2M
- Average interest-bearing deposits
- $281.6M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4132
- Fed RSSD
- 294751
- SEC CIK
- 1506500 → filed by JRMB II, INC
- Website
- www.cnb1901.com →
- Parent Holding Company
- JRMB II, INC (RSSD 4208961)
Profitability
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full The City National Bank and Trust Company of Lawton, Oklahoma terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock The City National Bank and Trust Company of Lawton, Oklahoma, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
The City National Bank and Trust Company of Lawton, Oklahoma rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.87% | 1.85% | 0.38% | 17.79% | 4.18% |
| Q1 2026 | 13.99% | 1.48% | 0.85% | 18.16% | 4.06% |
| Q4 2025 | 13.90% | 2.37% | 0.51% | 16.95% | 4.40% |
| Q3 2025 | 13.57% | 1.83% | 0.51% | 16.48% | 4.21% |
| Q2 2025 | 13.58% | 1.64% | 0.50% | 17.11% | 4.09% |
| Q1 2025 | 13.63% | 1.26% | 0.91% | 16.83% | 3.98% |
| Q4 2024 | 13.46% | 1.66% | 0.91% | 17.05% | 3.99% |
| Q3 2024 | 13.23% | 1.65% | 0.91% | 18.15% | 4.06% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 39 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The City National Bank and Trust Company of Lawton, Oklahoma | Lawton , OK | 73501 | $201.1M |
| Lawton Marketplace Branch | Lawton , OK | 73505 | $19.5M |
| Mingo Valley Branch | Tulsa , OK | 74133 | $14.1M |
| Walmart Branch | Lawton , OK | 73505 | $8.7M |
| Tulsa Commerce Towers Branch | Tulsa , OK | 74135 | $6.9M |
| Duncan Branch | Duncan , OK | 73533 | $6.7M |
| Gore Boulevard Branch | Lawton , OK | 73505 | $6.4M |
| Westernview Branch | Oklahoma City , OK | 73139 | $6.4M |
| Wal-Mart West Branch | Lawton , OK | 73505 | $6.1M |
| Walmart Enid Branch | Enid , OK | 73703 | $5.5M |
| Woodland Hills Branch | Tulsa , OK | 74133 | $5.3M |
| Memorial & Penn Branch | Oklahoma City , OK | 73134 | $5.1M |
| Country Mart East Branch | Lawton , OK | 73501 | $5.1M |
| Ponca City Branch | Ponca City , OK | 74601 | $5.0M |
| Garnett Branch | Tulsa , OK | 74146 | $4.5M |
| Santa Fe Branch | Oklahoma City , OK | 73149 | $4.4M |
| El Reno Branch | El Reno , OK | 73036 | $4.4M |
| Glenpool Branch | Glenpool , OK | 74033 | $4.3M |
| Mustang Branch | Mustang , OK | 73064 | $4.2M |
| Del City Branch | Del City , OK | 73115 | $3.5M |
| Chickasha Branch | Chickasha , OK | 73018 | $3.5M |
| City National Bank, Edmond Branch | Edmond , OK | 73034 | $3.5M |
| Miami Branch | Miami , OK | 74354 | $3.4M |
| Shawnee Branch | Shawnee , OK | 74804 | $3.2M |
| Aspen Branch | Broken Arrow , OK | 74012 | $3.2M |
Regulatory record
What the public regulatory sources show for The City National Bank and Trust Company of Lawton, Oklahoma, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- None against the institution on file; 2 against individuals associated with it
- Period: Most recent action March 7, 2024. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in OK, rank 67 of 194 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 109 applications, 36 loans originated, $9.2M originated, across 5 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about The City National Bank and Trust Company of Lawton, Oklahoma
What are The City National Bank and Trust Company of Lawton, Oklahoma's total assets?
As of the Q2 2026 filing, The City National Bank and Trust Company of Lawton, Oklahoma reported total assets of $446.2 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is The City National Bank and Trust Company of Lawton, Oklahoma headquartered?
The City National Bank and Trust Company of Lawton, Oklahoma is headquartered in Lawton, OK, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was The City National Bank and Trust Company of Lawton, Oklahoma founded?
The City National Bank and Trust Company of Lawton, Oklahoma was established in 1901, per the FDIC institution directory.
Is The City National Bank and Trust Company of Lawton, Oklahoma FDIC-insured?
Yes. The City National Bank and Trust Company of Lawton, Oklahoma is an FDIC-insured commercial bank (FDIC Certificate #4132). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The City National Bank and Trust Company of Lawton, Oklahoma?
The City National Bank and Trust Company of Lawton, Oklahoma's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does The City National Bank and Trust Company of Lawton, Oklahoma operate?
The City National Bank and Trust Company of Lawton, Oklahoma operates 39 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The City National Bank and Trust Company of Lawton, Oklahoma's Texas Ratio?
The City National Bank and Trust Company of Lawton, Oklahoma's Texas Ratio is 17.79% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was The City National Bank and Trust Company of Lawton, Oklahoma previously called?
The charter now named The City National Bank and Trust Company of Lawton, Oklahoma has also operated as The City National Bank and Trust Company of Lawton, Oklahoma (1967), per FDIC structure-change records.
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