Total Assets
$89M
Total balance-sheet footings
FDIC Cert #4123 · Hooker, Oklahoma · Est. 1914
The First National Bank of Hooker - FDIC Bank Health Profile
A community-scale look at The First National Bank of Hooker's own numbers, pulled straight from its quarterly FDIC Call Report.
- $89M
- Total assets
- A
- Health grade · Excellent
- 1.28%
- Return on assets
- 23.9%
- Tier 1 capital
Data updated July 2026
The verdict
The First National Bank of Hooker earns a PlainBankData health grade of A (84/100), with well-capitalized at 23.94% Tier 1, profitable at 1.28% ROA, 61% efficiency ratio.
- #3,820
- largest of 4,313 FDIC banks by assets
- 11th
- percentile by asset size, nationally
- 23.94%
- Tier 1 ratio - above the 10% well-capitalized line
- 63rd
- 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 4123 · OK A · 84/100
GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-COMMUNITY · BOOK-FULL
- GRADE-A A (84/100)
- MID-PACK #1492/4307
- PHOTO-FINISH LNB Community Bank · IN
- TIER1-WELL 23.9% Tier 1
- TEXAS-CLEAN 9.0% Texas
- ROA-STRONG 1.28% ROA
- SIZE-COMMUNITY <$100M
- BOOK-FULL 9/9 fields
Nearest health peer outside Oklahoma: LNB Community Bank, IN (±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 Hooker
Lowest and highest poles plus nearest scored peers outside Oklahoma, not a full FDIC corpus board reprint.
What The First National Bank of Hooker's Call Report plate shows
The First National Bank of Hooker (FDIC Cert #4123) carries a PlainBankData health grade of A at 84/100, 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 #1,492 of 4,307. Tier 1 capital prints at 23.94%, clearing the 10% well-capitalized line. The Texas Ratio is 9.05%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.28%. Balance-sheet scale is $89M, 3,820th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is LNB Community Bank (IN), 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 Hooker
8 FAILURE resolutions in Oklahoma since 2000 (8 since 2008)
The First National Bank of Hooker'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 Hooker 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 Hooker's 84/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Tier 1 Capital Ratio (23.94%) 40/40
Return on Assets (ROA) (1.28%) 20/25
Texas Ratio (9.05%) 16/20
Efficiency Ratio (61.27%) 8/15
84 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$74M
Customer-funded liabilities
Net Loans
$57M
Outstanding loan book
Net Income
$1M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where The First National Bank of Hooker ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The First National Bank of Hooker's score of 84/100 falls in the highlighted band.
The First National Bank of Hooker: health score vs. every FDIC-insured bank
0-100 composite health score, FDIC Call Reports
84 Top 35% higher than 65% of 4,307 FDIC-insured banks
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 Hooker'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 Hooker's $89M falls in the highlighted band.
Safety ratios for The First National Bank of Hooker
Tier 1 capital ratio
Well-capitalized 10%
23.94% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
23.94%
Texas Ratio
9.05%
Equity Capital
$14M
Earnings posture at The First National Bank of Hooker
Return on Assets (ROA)
63rd percentile nationally
1.28%
Return on Equity (ROE)
8.60%
Efficiency Ratio
61.27%
Income & expense at The First National Bank of Hooker
$5M
Interest Income
$851K
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 of Hooker reports a Texas Ratio of 9.05% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
9.05% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Oklahoma by total assets
Nationwide banks with similar total assets
Nearest other-state banks with ≥$10M assets ($89M here), outside Oklahoma so the neighborhood is not state containment.
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The First National Bank of Hooker (FDIC Cert #4123) - 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 Hooker 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 →| 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% |