🏦Bank Scorer

FIRST TEXOMA NATIONAL BANK

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

Est. 1898FDIC #13,905
Satisfactory Same

Current rating · Exam: December 2020

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.23%

Is this bank safe?

FIRST TEXOMA NATIONAL BANK holds a Satisfactory CRA rating (2020), and is financially strong (ROA +1.23%).

Institution Profile

FDIC BankFind

Address

220 W Main St, DURANT, OK

County

Bryan County

Established

July 8, 1898

Total Assets

$225M(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

Satisfactory

Meets federal requirements for community lending

Exam Date

December 14, 2020

Exam Type

Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
⚠️This exam is 5 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$225M

Total Deposits

$202M

Net Loans

$152M

Net Income

$681K

ROA

1.23%

Above avg for Small banks. Peer avg: 0.44%

ROE

12.43%

Risk-Based Capital

19.78%

Below avg for Small banks. Regulatory min: 8%

Peer Comparison

Small banks

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

ROA1.23%Peer avg: 0.44%▲ Above avg
Risk-Based Capital19.78%Peer avg: 23.03%▼ Below avg
Mortgage Denial Rate5.88%Peer avg: 6.90%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

5

Branch Deposits

$202M

1-Year Change

0

5-year net change: -1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20245182.35%5.88%
20235771.93%21.05%
202210483.65%12.50%
202111677.59%11.21%
20208575.29%12.94%
201911986.55%10.08%
201812581.6%14.40%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam DateRatingExam Type
Dec 2020SatisfactorySmall Bank
Nov 2016SatisfactorySmall Bank
Apr 2011SatisfactorySmall Bank

5 previous ratings locked — back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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