Total Assets
$43M
Total balance-sheet footings
FDIC Cert #4122 · Hominy, Oklahoma · Est. 1906
1st Bank in Hominy - FDIC Bank Health Profile
A community-scale look at 1st Bank in Hominy's own numbers, pulled straight from its quarterly FDIC Call Report.
- $43M
- Total assets
- C
- Health grade · Fair
- 0.89%
- Return on assets
- 9.4%
- Tier 1 capital
Data updated July 2026
The verdict
1st Bank in Hominy earns a PlainBankData health grade of C (56/100), with 9.39% Tier 1 capital, 0.89% ROA, 70% efficiency ratio.
- #4,174
- largest of 4,313 FDIC banks by assets
- 3rd
- percentile by asset size, nationally
- 9.39%
- Tier 1 ratio - below the 10% well-capitalized line
- 35th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How 1st Bank in Hominy's 56/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
1st Bank in Hominy's composite health score
Tier 1 Capital Ratio (9.39%) 18/40
Return on Assets (ROA) (0.89%) 14/25
Texas Ratio (0.82%) 20/20
Efficiency Ratio (70.02%) 4/15
56 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$39M
Customer-funded liabilities
Net Loans
$16M
Outstanding loan book
Net Income
$379K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where 1st Bank in Hominy ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. 1st Bank in Hominy's score of 56/100 falls in the highlighted band.
1st Bank in Hominy's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). 1st Bank in Hominy's $43M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
9.39% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
9.39%
Texas Ratio
0.82%
Equity Capital
$3M
Profitability metrics
Return on Assets (ROA)
35th percentile nationally
0.89%
Return on Equity (ROE)
12.77%
Efficiency Ratio
70.02%
What the numbers say about 1st Bank in Hominy
1st Bank in Hominy is an FDIC-insured institution (Certificate #4122) headquartered in Hominy, Oklahoma, established in 1906. It holds $43M in total assets - 4,174th of 4,313 FDIC-insured banks, $39M in customer deposits, and $16M in net loans. Looking at capital strength, Tier 1 stands at 9.39%, under the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 0.82%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of C (56/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
By assets, 1st Bank in Hominy ranks 163rd of 172 banks based in Oklahoma -- squarely in the community-bank tier. Size alone doesn't determine a bank's local importance; a bank this size often has deeper, longer-standing relationships with the specific businesses and depositors it serves than a much larger institution would.
Income & expense breakdown
$2M
Interest Income
$144K
Non-Interest Income
$1M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. 1st Bank in Hominy reports a Texas Ratio of 0.82% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.82% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Oklahoma by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) 1st Bank in Hominy (FDIC Cert #4122) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Oklahoma
All Oklahoma banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| BOKF, National AssociationTulsa | $52.0B | A | 1.10% |
| MidFirst BankOklahoma City | $41.4B | B | 1.19% |
| First United Bank and Trust CompanyDurant | $16.3B | B | 0.97% |
| BancFirstOklahoma City | $12.1B | A | 1.79% |
| InterBankOklahoma City | $5.5B | B | 3.60% |
| Stride Bank, National AssociationEnid | $4.9B | A | 2.10% |
| RCB BankClaremore | $4.1B | A | 1.32% |
| First Fidelity BankOklahoma City | $2.9B | B | 0.94% |
Frequently asked questions
What is 1st Bank in Hominy's health grade?▼
1st Bank in Hominy receives a health grade of C (56/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is 1st Bank in Hominy?▼
1st Bank in Hominy holds $43M in total assets and $39M in deposits, ranking 4,174th of 4,313 FDIC-insured banks by asset size. It is headquartered in Hominy, Oklahoma.
Is my money safe at 1st Bank in Hominy?▼
Yes, deposits at 1st Bank in Hominy (Certificate #4122) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is 1st Bank in Hominy's Tier 1 Capital Ratio?▼
1st Bank in Hominy has a Tier 1 Capital Ratio of 9.39%. The federal "well-capitalized" threshold is 10%. This bank meets the minimum 6% "adequately capitalized" standard.
What is the Texas Ratio for 1st Bank in Hominy?▼
1st Bank in Hominy has a Texas Ratio of 0.82%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is 1st Bank in Hominy?▼
1st Bank in Hominy has an Efficiency Ratio of 70.02%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read 1st Bank in Hominy's profile as a depositor or analyst.
- 1st Bank in Hominy's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare 1st Bank in Hominy against other Oklahoma banks before moving funds. Oklahoma banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.