← The catalogue
Q2 2026 · read from the 30 June 2026 Call Report · United States · Southwest · Oklahoma, the state note

First National Bank of Oklahoma

Oklahoma City, Oklahoma · $950M in assets · beside the 11 other Oklahoma banks between $300M and $1B

The filing

2.30%
ROA
1st of 12
45.4%
Efficiency
2nd of 12
33.7%
CRE / loans
3rd of 12

First National Bank of Oklahoma is the third largest of the 12 Oklahoma banks nearest its size between $300M and $1B, with $950M in assets at 30 June 2026. Loans are 93.1% of deposits, 8th of 12 against a median of 89.9%, and equity is 10.1% of assets, 5th of 12. Loans grew +6.4% in the year, 6th of 12, and deposits grew 5.4%; the cohort's median loan growth is +5.3%.

Noncurrent loans are 1.39% of the book, 9th of 12 against a median of 0.57%; 0.53% is 30 to 89 days past due, and the allowance covers them 0.9 times. Commercial real estate is 33.7% of loans, 3rd of 12 against a median of 38.3%, and 236% of capital, below the 300% screen, with construction at 73% against the 100% screen.

Return on assets is 2.30%, the highest in the cohort against a median of 1.34%, on an efficiency ratio of 45.4%, 2nd of 12. Five years ago it was 1.90%. The question is which of these lines moves first over the next four quarters, and against which peer.

Return on assetsOK banks $300M to $1B · 30 June 2026 · higher is stronger, listed first
median 1.34% FN First National Bank of Oklahoma 2.30% FB First Bank & Trust Co. 2.18% SB Security Bank 2.17% QC Quail Creek Bank 1.73% AN American Nation Bank 1.52% GB Grand Bank 1.45% VB Vision Bank 1.23% FM F & M Bank 1.18% FL First Liberty Bank 1.09% PB Prism Bank 0.92% S Spiritbank 0.87% VB Valliance Bank 0.61%
Loans, year over yearOK banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +5.3% PB Prism Bank +36.9% VB Valliance Bank +24.2% FM F & M Bank +16.1% GB Grand Bank +10.3% AN American Nation Bank +6.4% FN First National Bank of Oklahoma +6.4% FL First Liberty Bank +4.3% QC Quail Creek Bank +2.3% S Spiritbank +1.8% VB Vision Bank +1.5% SB Security Bank +0.3% FB First Bank & Trust Co. -6.5%

SBA 7(a), FY2008 to FY2026

First National Bank of Oklahoma is the 125th largest 7(a) lender into Oklahoma of 358, with $5M across 10 loans, 0.1% of everything approved in the state (Bancfirst leads with $793M). 2 of its 3 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Oklahoma, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Oklahoma, OK$4M45th of 1720.4%quiet FY2022
Sedgwick, KS$1M71st of 1280.2%thin
Kay, OK$910K13th of 242.4%quiet FY2010
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Manufacturing3$3M45.8%0.01%931st of 2,246
Accommodation & food services2$2M28.0%0.00%1310th of 2,596
Retail trade3$1M19.9%0.00%1430th of 2,589
Professional & technical services3$393K6.3%0.00%1361st of 1,955
7(a) lenders into Oklahoma, share of approvals since FY2008358 lenders on record; the ten largest and First National
B Bancfirst 18.4% $793M · 2,102 loans FO First Oklahoma Bank 5.8% $251M · 291 loans LO Live Oak Banking Company 5.8% $250M · 177 loans AB Arvest Bank 5.0% $213M · 780 loans SB Security Bank 3.0% $130M · 261 loans FU First United Bank and Trust Compa… 2.6% $114M · 174 loans FP First Pryority Bank 2.0% $84M · 184 loans RB Regent Bank 1.7% $74M · 162 loans PB Peoples Bank and Trust Company 1.7% $73M · 59 loans GP Great Plains National Bank 1.6% $67M · 204 loans FN First National Bank of Oklahoma 0.1% $5M · 10 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 4 CBLR filers; owner-occupied excluded; bold marks a screen met
First NationalRankCohort median
Total CRE against capital, the 300% screen236%5th of 12264%
Construction against capital, the 100% screen73%6th of 1274%
Construction and land development, share of loans10.5%5th of 1211.0%
Non-owner-occupied nonfarm nonresidential, share of loans21.0%3rd of 1226.9%
Total CRE, the guidance definition, share of loans33.7%3rd of 1238.3%
CRE growth over 36 months, the third prong+43.5%9th of 12+13.0%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Vision Bank$1000M1.2%69.2%2.59%0.02%1.8%84.4%7.3%
First Bank & Trust Co.$952M2.2%55.5%5.22%0.71%1.3%88.5%15.3%
First National Bank of Oklahoma$950M2.3%45.4%1.39%0.07%1.3%93.1%10.1%
Security Bank$939M2.2%43.0%0.15%0.02%2.0%93.6%11.6%
Valliance Bank$923M0.6%69.2%1.58%-0.09%1.1%106.5%8.6%
F & M Bank$915M1.2%56.1%0.36%1.82%1.1%82.0%10.5%
Spiritbank$913M0.9%64.2%0.86%0.29%1.3%74.7%9.2%
First Liberty Bank$885M1.1%65.3%0.07%0.18%1.5%94.3%11.1%
Quail Creek Bank$831M1.7%56.8%0.65%0.08%1.2%81.9%8.7%
Prism Bank$721M0.9%60.0%0.49%-0.02%1.1%96.4%9.4%
Grand Bank$713M1.5%53.1%0.00%0.00%1.6%91.2%9.3%
American Nation Bank$691M1.5%62.8%0.06%0.00%1.5%84.0%9.5%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
First NationalCohort median
20212026Change20212026Change
Loans$499M$752M+51%$466M$680M+46%
Deposits$605M$807M+33%$558M$784M+40%
NPA / loans0.94%1.39%+0.44 pts0.63%0.57%-0.06 pts
Efficiency48.8%45.4%-3.4 pts61.0%58.4%-2.6 pts
ROA1.90%2.30%+0.41 pts1.51%1.34%-0.16 pts

This read was prepared for First National Bank of Oklahoma's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on First National Bank of Oklahoma is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort OK banks $300M to $1B
Institution www.fnbok.bank

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
← Back to the catalogue