FDIC Cert #4235 · Yukon, Oklahoma · Est. 1912

YNB - FDIC Bank Health Profile

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

Compiled from official public sources by the publisher.
$249M
Total assets
C
Health grade · Fair
0.42%
Return on assets
13.5%
Tier 1 capital

Data updated July 2026

The verdict

YNB earns a PlainBankData health grade of C (58/100), with well-capitalized at 13.49% Tier 1, 0.42% ROA, 89% efficiency ratio.

#2,741
largest of 4,313 FDIC banks by assets
36th
percentile by asset size, nationally
13.49%
Tier 1 ratio - above the 10% well-capitalized line
13th
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.

FDIC Call Report plate

Cert 4235 · OK C · 58/100

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

  • GRADE-C C (58/100)
  • BOTTOM-DECILE #3905/4307
  • PHOTO-FINISH First National Bank… · KS
  • TIER1-WELL 13.5% Tier 1
  • TEXAS-CLEAN 6.6% Texas
  • ROA-THIN 0.42% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Oklahoma: First National Bank in Frankfort, KS (±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 YNB

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

Morgan Stanley Bank,… · UT ·…100/100First National Bank… · KS · …58/100Global Innovations B… · MN ·…58/100The Dart Bank · MI · near58/100The Fairfield Nation… · IL ·…58/100YNB · OK · this bank58/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around YNB · July 2026

What YNB's Call Report plate shows

YNB (FDIC Cert #4235) carries a PlainBankData health grade of C at 58/100, 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 #3,905 of 4,307. Tier 1 capital prints at 13.49%, clearing the 10% well-capitalized line. The Texas Ratio is 6.55%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.42%. Balance-sheet scale is $249M, 2,741st of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is First National Bank in Frankfort (KS), 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 YNB

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

YNB'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; YNB 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 YNB's 58/100 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 avg77/10058/100
YNB's composite health score
Tier 1 Capital Ratio (13.49%) 35/40
Return on Assets (ROA) (0.42%) 7/25
Texas Ratio (6.55%) 16/20
Efficiency Ratio (89.38%) 0/15

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

Balance sheet at a glance

Total Assets

$249M

Total balance-sheet footings

Total Deposits

$227M

Customer-funded liabilities

Net Loans

$125M

Outstanding loan book

Net Income

$1M

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.) 12.09% 13.49% 14.89%
Basel III capital ratios - YNB

Where YNB ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. YNB's score of 58/100 falls in the highlighted band.

YNB: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

58 9th percentile higher than 9% 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. YNB 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

YNB'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). YNB's $249M falls in the highlighted band.

Safety ratios for YNB

Tier 1 capital ratio
Well-capitalized 10%

13.49% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
13.49%
Texas Ratio
6.55%
Equity Capital
$20M

What these ratios mean →

Profitability metrics: YNB

Return on Assets (ROA)
13th percentile nationally
0.42%
Return on Equity (ROE)
5.20%
Efficiency Ratio
89.38%

What these mean →

Income & expense at YNB

$11M
Interest Income
$1M
Non-Interest Income
$8M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. YNB reports a Texas Ratio of 6.55% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

6.55% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View YNB 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 ($249M here), outside Oklahoma so the neighborhood is not state containment.

First Pioneer National Bank $249M · CO Raritan State Bank $249M · IL Spring Hill State Bank $250M · TX BANKWEST $248M · MN

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) YNB (FDIC Cert #4235) - 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.

YNB 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%