FDIC Cert #15762 · Stonewall, Oklahoma · Est. 1940

First American Bank - FDIC Bank Health Profile

A community-scale look at First American Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$35M
Total assets
B
Health grade · Good
1.35%
Return on assets
12.9%
Tier 1 capital

Data updated July 2026

The verdict

First American Bank earns a PlainBankData health grade of B (75/100), with well-capitalized at 12.95% Tier 1, profitable at 1.35% ROA, 71% efficiency ratio.

#4,215
largest of 4,313 FDIC banks by assets
2nd
percentile by asset size, nationally
12.95%
Tier 1 ratio - above the 10% well-capitalized line
67th
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 15762 · OK B · 75/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-COMMUNITY · BOOK-FULL

  • GRADE-B B (75/100)
  • MID-PACK #2590/4307
  • PHOTO-FINISH Farmers State Bank &… · LA
  • TIER1-WELL 12.9% Tier 1
  • TEXAS-CLEAN 5.1% Texas
  • ROA-STRONG 1.35% ROA
  • SIZE-COMMUNITY <$100M
  • BOOK-FULL 9/9 fields

Nearest health peer outside Oklahoma: Farmers State Bank & Trust Co., LA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around First American Bank

Lowest and highest poles plus nearest scored peers outside Oklahoma, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100ESB Financial · KS · near75/100Farmers State Bank &… · LA ·…75/100First American Bank · OK · t…75/100State Bank · IA · near75/100The Citizens State B… · KS ·…75/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around First American Bank · July 2026

What First American Bank's Call Report plate shows

First American Bank (FDIC Cert #15762) carries a PlainBankData health grade of B at 75/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,590 of 4,307. Tier 1 capital prints at 12.95%, clearing the 10% well-capitalized line. The Texas Ratio is 5.09%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.35%. Balance-sheet scale is $35M, 4,215th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Farmers State Bank & Trust Co. (LA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around First American Bank

8 FAILURE resolutions in Oklahoma since 2000 (8 since 2008)

First American Bank's home state sits in the middle band of post-2000 FAILURE counts (8; 8 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; First American Bank remains an active FDIC-insured reporter.

  • FIRST NB OF LINDSAY LINDSAY, OK 2024 → FIRST BANK & TRUST CO.
  • THE FREEDOM STATE BANK FREEDOM, OK 2014 → ALVA STATE BANK & TRUST COMPANY
  • THE BANK OF UNION EL RENO, OK 2014 → BANCFIRST

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Oklahoma banks.

How First American Bank's 75/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10075/100
First American Bank's composite health score
Tier 1 Capital Ratio (12.95%) 35/40
Return on Assets (ROA) (1.35%) 20/25
Texas Ratio (5.09%) 16/20
Efficiency Ratio (71.31%) 4/15

75 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$35M

Total balance-sheet footings

Total Deposits

$30M

Customer-funded liabilities

Net Loans

$22M

Outstanding loan book

Net Income

$480K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 11.55% 12.95% 14.35%
Basel III capital ratios - First American Bank

Where First American Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First American Bank's score of 75/100 falls in the highlighted band.

First American Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

75 40th percentile higher than 40% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. First American Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

First American Bank'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). First American Bank's $35M falls in the highlighted band.

Safety ratios for First American Bank

Tier 1 capital ratio
Well-capitalized 10%

12.95% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
12.95%
Texas Ratio
5.09%
Equity Capital
$5M

What these ratios mean →

Earnings posture at First American Bank

Return on Assets (ROA)
67th percentile nationally
1.35%
Return on Equity (ROE)
10.67%
Efficiency Ratio
71.31%

What these mean →

Income & expense at First American Bank

$2M
Interest Income
$128K
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. First American Bank reports a Texas Ratio of 5.09% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

5.09% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View First American Bank on FDIC BankFind →

Top banks in Oklahoma by total assets

Largest banks headquartered in Oklahoma
  1. 1
    BOKF $52.0B

    Tulsa, OK · Grade A

  2. 2
    MidFirst Bank $41.4B

    Oklahoma City, OK · Grade B

  3. 3
    First United Bank and Trust Company $16.3B

    Durant, OK · Grade B

  4. 4
    BancFirst $12.1B

    Oklahoma City, OK · Grade A

  5. 5
    InterBank $5.5B

    Oklahoma City, OK · Grade B

Top 5 banks in Oklahoma ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($35M here), outside Oklahoma so the neighborhood is not state containment.

Members Trust Company $35M · FL The First National Bank of Proctor $35M · MN Farmers State Bank of Hoffman $35M · MN Five Rivers Bank $34M · NJ

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First American Bank (FDIC Cert #15762) - 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.

First American Bank Call Report profile · FDIC Failed Bank List · Oklahoma FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Oklahoma

All Oklahoma banks →
BankAssetsGradeROA
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%