Total Assets
$479M
Total balance-sheet footings
FDIC Cert #16416 · Lawton, Oklahoma · Est. 1946
FSNB, National Association - FDIC Bank Health Profile
A community-scale look at FSNB, National Association's own numbers, pulled straight from its quarterly FDIC Call Report.
- $479M
- Total assets
- A
- Health grade · Excellent
- 3.82%
- Return on assets
- 17.3%
- Tier 1 capital
Data updated July 2026
The verdict
FSNB, National Association earns a PlainBankData health grade of A (93/100), with well-capitalized at 17.33% Tier 1, profitable at 3.82% ROA, 69% efficiency ratio.
- #1,850
- largest of 4,313 FDIC banks by assets
- 57th
- percentile by asset size, nationally
- 17.33%
- Tier 1 ratio - above the 10% well-capitalized line
- 99th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How FSNB, National Association's 93/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
FSNB, National Association's composite health score
Tier 1 Capital Ratio (17.33%) 40/40
Return on Assets (ROA) (3.82%) 25/25
Texas Ratio (0.56%) 20/20
Efficiency Ratio (69.33%) 8/15
93 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$385M
Customer-funded liabilities
Net Loans
$140M
Outstanding loan book
Net Income
$18M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where FSNB, National Association ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. FSNB, National Association's score of 93/100 falls in the highlighted band.
FSNB, National Association'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). FSNB, National Association's $479M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
17.33% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
17.33%
Texas Ratio
0.56%
Equity Capital
$79M
Profitability metrics
Return on Assets (ROA)
99th percentile nationally
3.82%
Return on Equity (ROE)
24.26%
Efficiency Ratio
69.33%
What the numbers say about FSNB, National Association
FSNB, National Association is an FDIC-insured institution (Certificate #16416) headquartered in Lawton, Oklahoma, established in 1946. It holds $479M in total assets - 1,850th of 4,313 FDIC-insured banks, $385M in customer deposits, and $140M in net loans. Its capital position: a Tier 1 ratio of 17.33%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 0.56% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of A (93 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
FSNB, National Association sits 52nd of 172 banks headquartered in Oklahoma by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$17M
Interest Income
$43M
Non-Interest Income
$40M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. FSNB, National Association reports a Texas Ratio of 0.56% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.56% - 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) FSNB, National Association (FDIC Cert #16416) - 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 FSNB, National Association's health grade?▼
FSNB, National Association receives a health grade of A (93/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is FSNB, National Association?▼
FSNB, National Association holds $479M in total assets and $385M in deposits, ranking 1,850th of 4,313 FDIC-insured banks by asset size. It is headquartered in Lawton, Oklahoma.
Is my money safe at FSNB, National Association?▼
Yes, deposits at FSNB, National Association (Certificate #16416) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is FSNB, National Association's Tier 1 Capital Ratio?▼
FSNB, National Association has a Tier 1 Capital Ratio of 17.33%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for FSNB, National Association?▼
FSNB, National Association has a Texas Ratio of 0.56%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is FSNB, National Association?▼
FSNB, National Association has an Efficiency Ratio of 69.33%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read FSNB, National Association's profile as a depositor or analyst.
- FSNB, National Association's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare FSNB, National Association 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.