Total Assets
$70M
Total balance-sheet footings
FDIC Cert #26260 · Marlow, Oklahoma · Est. 1985
The First National Bank in Marlow - FDIC Bank Health Profile
This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.
- $70M
- Total assets
- D
- Health grade · Weak
- -0.06%
- Return on assets
- 10.9%
- Tier 1 capital
Data updated July 2026
The verdict
The First National Bank in Marlow earns a PlainBankData health grade of D (48/100), with well-capitalized at 10.90% Tier 1, -0.06% ROA, 78% efficiency ratio.
- #3,983
- largest of 4,313 FDIC banks by assets
- 8th
- percentile by asset size, nationally
- 10.90%
- Tier 1 ratio - above the 10% well-capitalized line
- 5th
- percentile for profitability (ROA), nationally
A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.
How The First National Bank in Marlow's 48/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
The First National Bank in Marlow's composite health score
Tier 1 Capital Ratio (10.90%) 28/40
Return on Assets (ROA) (-0.06%) 0/25
Texas Ratio (9.99%) 16/20
Efficiency Ratio (78.33%) 4/15
48 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$64M
Customer-funded liabilities
Net Loans
$51M
Outstanding loan book
Net Income
$-43K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where The First National Bank in Marlow ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The First National Bank in Marlow's score of 48/100 falls in the highlighted band.
The First National Bank in Marlow'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). The First National Bank in Marlow's $70M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
10.90% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
10.90%
Texas Ratio
9.99%
Equity Capital
$5M
Profitability metrics
Return on Assets (ROA)
5th percentile nationally
-0.06%
Return on Equity (ROE)
-0.94%
Efficiency Ratio
78.33%
What the numbers say about The First National Bank in Marlow
The First National Bank in Marlow is an FDIC-insured institution (Certificate #26260) headquartered in Marlow, Oklahoma, established in 1985. It holds $70M in total assets - 3,983rd of 4,313 FDIC-insured banks, $64M in customer deposits, and $51M in net loans. Capital-wise, the Tier 1 ratio sits at 10.90%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 9.99%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of D (48 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
The First National Bank in Marlow is a community-scale institution -- 144th of 172 FDIC-insured banks headquartered in Oklahoma by asset size. Its modest footprint doesn't diminish its role: community banks this size are typically the primary lender for small local businesses and agricultural borrowers that larger regional banks tend to underserve.
Income & expense breakdown
$4M
Interest Income
$591K
Non-Interest Income
$3M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. The First National Bank in Marlow reports a Texas Ratio of 9.99% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
9.99% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
What to watch at The First National Bank in Marlow
The First National Bank in Marlow's grade of D reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-43K for the period, a loss that, if sustained, erodes the equity cushion.
Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at The First National Bank in Marlow up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.
Top banks in Oklahoma by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The First National Bank in Marlow (FDIC Cert #26260) - 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 The First National Bank in Marlow's health grade?▼
The First National Bank in Marlow receives a health grade of D (48/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows notable financial weaknesses. Your deposits remain FDIC-insured up to $250,000.
How large is The First National Bank in Marlow?▼
The First National Bank in Marlow holds $70M in total assets and $64M in deposits, ranking 3,983rd of 4,313 FDIC-insured banks by asset size. It is headquartered in Marlow, Oklahoma.
Is my money safe at The First National Bank in Marlow?▼
Yes, deposits at The First National Bank in Marlow (Certificate #26260) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is The First National Bank in Marlow's Tier 1 Capital Ratio?▼
The First National Bank in Marlow has a Tier 1 Capital Ratio of 10.90%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for The First National Bank in Marlow?▼
The First National Bank in Marlow has a Texas Ratio of 9.99%. 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 The First National Bank in Marlow?▼
The First National Bank in Marlow has an Efficiency Ratio of 78.33%. 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 The First National Bank in Marlow's profile as a depositor or analyst.
- The First National Bank in Marlow's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The First National Bank in Marlow 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.