FIRST NATIONAL BANK OF OKLAHOMA

OKLAHOMA CITY, OK · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1917FDIC #4,211

Outstanding Same

Current rating · Exam: October 2024

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Strong

ROA 2.27%

Institution Profile

FDIC BankFind

Website

www.fnbok.bank

Address

10900 Hefner Pointe Dr, OKLAHOMA CITY, OK

County

Oklahoma County

Established

January 1, 1917

Total Assets

$910M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

October 21, 2024

Exam Type

Intermediate Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)

What is a CRA rating? →

Estimated next exam:Oct 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$910M

Total Deposits

$785M

Net Loans

$713M

Net Income

$5M

ROA

2.27%

ROE

22.03%

Risk-Based Capital

15.12%

Regulatory minimum: 8%

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate1.95%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$766M

1-Year Change

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	257	94.55%	1.95%
2023	291	93.81%	2.06%
2022	410	95.85%	1.95%
2021	392	95.92%	1.28%
2020	300	96.67%	0.33%
2019	381	95.54%	2.89%
2018	310	96.13%	1.29%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

7 previous ratings locked — back to 1994

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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