FDIC Cert #4098 · Fletcher, Oklahoma · Est. 1902

The First National Bank of Fletcher - FDIC Bank Health Profile

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

Compiled from official public sources by the publisher.
$22M
Total assets
C
Health grade · Fair
0.61%
Return on assets
9.7%
Tier 1 capital

Data updated July 2026

The verdict

The First National Bank of Fletcher earns a PlainBankData health grade of C (52/100), with 9.72% Tier 1 capital, 0.61% ROA, 83% efficiency ratio.

#4,272
largest of 4,313 FDIC banks by assets
1st
percentile by asset size, nationally
9.72%
Tier 1 ratio - below the 10% well-capitalized line
20th
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.

FDIC Call Report plate

Cert 4098 · OK C · 52/100

GRADE-C · BOTTOM-DECILE · PHOTO-FINISH · TIER1-ADEQ · TEXAS-CLEAN · ROA-THIN · SIZE-COMMUNITY · BOOK-FULL

  • GRADE-C C (52/100)
  • BOTTOM-DECILE #4097/4307
  • PHOTO-FINISH The First Bank and T… · IL
  • TIER1-ADEQ 9.7% Tier 1
  • TEXAS-CLEAN 0.0% Texas
  • ROA-THIN 0.61% ROA
  • SIZE-COMMUNITY <$100M
  • BOOK-FULL 9/9 fields

Nearest health peer outside Oklahoma: The First Bank and Trust Company of Murphysboro, IL (±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 The First National Bank of Fletcher

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

Morgan Stanley Bank,… · UT ·…100/100North Valley Bank · OH · near52/100The Bank of Brodhead · WI · …52/100The First Bank and T… · IL ·…52/100The First National B… · OK ·…52/100The State Bank of To… · IA ·…52/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around The First National Bank of Fletcher · July 2026

What The First National Bank of Fletcher's Call Report plate shows

The First National Bank of Fletcher (FDIC Cert #4098) carries a PlainBankData health grade of C at 52/100, 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 #4,097 of 4,307. Tier 1 capital prints at 9.72%, missing the 10% well-capitalized line. The Texas Ratio is 0.00%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.61%. Balance-sheet scale is $22M, 4,272nd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is The First Bank and Trust Company of Murphysboro (IL), 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 The First National Bank of Fletcher

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

The First National Bank of Fletcher'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; The First National Bank of Fletcher 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 The First National Bank of Fletcher's 52/100 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 avg77/10052/100
The First National Bank of Fletcher's composite health score
Tier 1 Capital Ratio (9.72%) 18/40
Return on Assets (ROA) (0.61%) 14/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (83.28%) 0/15

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

Balance sheet at a glance

Total Assets

$22M

Total balance-sheet footings

Total Deposits

$20M

Customer-funded liabilities

Net Loans

$4M

Outstanding loan book

Net Income

$141K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 8.32% 9.72% 11.12%
Basel III capital ratios - The First National Bank of Fletcher

Where The First National Bank of Fletcher ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The First National Bank of Fletcher's score of 52/100 falls in the highlighted band.

The First National Bank of Fletcher: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

52 5th percentile higher than 5% 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%). This entry sits in this band. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. The First National Bank of Fletcher 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

The First National Bank of Fletcher'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 of Fletcher's $22M falls in the highlighted band.

Safety ratios for The First National Bank of Fletcher

Tier 1 capital ratio
Well-capitalized 10%

9.72% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
9.72%
Texas Ratio
0.00%
Equity Capital
$2M

What these ratios mean →

Profitability metrics: The First National Bank of Fletcher

Return on Assets (ROA)
20th percentile nationally
0.61%
Return on Equity (ROE)
6.89%
Efficiency Ratio
83.28%

What these mean →

Income & expense at The First National Bank of Fletcher

$912K
Interest Income
$114K
Non-Interest Income
$797K
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 of Fletcher reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View The First National Bank of Fletcher 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 ($22M here), outside Oklahoma so the neighborhood is not state containment.

Nebraska State Bank $22M · NE First Federal Savings and Loan Associ… $22M · OH The Mt. Victory State Bank $22M · OH Columbia Savings and Loan Association $22M · WI

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The First National Bank of Fletcher (FDIC Cert #4098) - 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.

The First National Bank of Fletcher 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%