Bank of Eufaula (FDIC certificate #4094) is based in Eufaula, Oklahoma. Its Q2 2026 call report shows $87.1M in total assets and $77.0M in deposits and 2 offices.
Bank of Eufaula has a TellerScore of 68 out of 100 (moderate) based on Q2 2026 data — higher than only 33% of its 546 banks with under $100 million in assets. Among 170 banks headquartered in Oklahoma, it ranks 96th. Problem-loan coverage contributes the most (92/100, 4.1%); earnings contributes the least (19/100, -0.04%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 26 points (42 → 68), mostly because the loan quality component improved by 73 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 30 |
| Q3 2024 | 31 |
| Q4 2024 | 29 |
| Q1 2025 | 36 |
| Q2 2025 | 42 |
| Q3 2025 | 50 |
| Q4 2025 | 61 |
| Q1 2026 | 69 |
| Q2 2026 | 68 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.53% |
| Q3 2024 | 9.69% |
| Q4 2024 | 9.70% |
| Q1 2025 | 9.81% |
| Q2 2025 | 10.11% |
| Q3 2025 | 11.19% |
| Q4 2025 | 11.89% |
| Q1 2026 | 12.24% |
| Q2 2026 | 12.09% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 5.42% |
| Q3 2024 | 7.06% |
| Q4 2024 | 8.20% |
| Q1 2025 | 7.14% |
| Q2 2025 | 2.65% |
| Q3 2025 | 2.24% |
| Q4 2025 | 1.11% |
| Q1 2026 | 0.42% |
| Q2 2026 | 0.46% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | -1.50% |
| Q3 2024 | -1.21% |
| Q4 2024 | -1.04% |
| Q1 2025 | 0.15% |
| Q2 2025 | 0.09% |
| Q3 2025 | 0.06% |
| Q4 2025 | 0.05% |
| Q1 2026 | -0.06% |
| Q2 2026 | -0.04% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 68 | $87.1M | 12.09% | 0.46% | -0.04% | 29.5% |
| Q1 2026 | 69 | $85.3M | 12.24% | 0.42% | -0.06% | 29.8% |
| Q4 2025 | 61 | $91.9M | 11.89% | 1.11% | 0.05% | 27.5% |
| Q3 2025 | 50 | $91.8M | 11.19% | 2.24% | 0.06% | 28.3% |
| Q2 2025 | 42 | $95.8M | 10.11% | 2.65% | 0.09% | 26.8% |
| Q1 2025 | 36 | $95.9M | 9.81% | 7.14% | 0.15% | 28.0% |
| Q4 2024 | 29 | $102.4M | 9.70% | 8.20% | -1.04% | 27.8% |
| Q3 2024 | 31 | $97.8M | 9.69% | 7.06% | -1.21% | 30.5% |
| Q2 2024 | 30 | $101.7M | 9.53% | 5.42% | -1.50% | 31.4% |
546 peers · Under $100 million in assets
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Oklahoma
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Southwest Bank of WeatherfordBank Weatherford, OK | 68 out of 100, Moderate | $86.0M | 13.5% | 2.47% | vs |
| The State Exchange BankBank Lamont, OK | 42 out of 100, Below average | $89.6M | 10.7% | 6.88% | vs |
| Community State BankBank Hennessey, OK | 41 out of 100, Below average | $89.7M | 7.5% | 2.85% | vs |
| AllNations BankBank Calumet, OK | 37 out of 100, Low | $84.5M | 8.3% | 7.87% | vs |
| First State BankBank Watonga, OK | 82 out of 100, Strong | $89.8M | 13.2% | 1.28% | vs |
| The First National Bank of HookerBank Hooker, OK | 65 out of 100, Moderate | $91.2M | 16.3% | 2.96% | vs |
Deposit insurance
Is my money safe at Bank of Eufaula?
Yes. Bank of Eufaula is an FDIC-insured institution (FDIC certificate #4094). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 29.8% of deposits ($23.0M) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.09%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
2 locations
Branches
Bank of Eufaula lists 1 office in 1 city. Most locations:
- Eufaula, OK (1)
Identity & history
Profile
- Legal name
- Bank of Eufaula
- Former names
- The State National Bank of Eufaula
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 4094
- RSSD ID
- 343051
- Primary regulator
- FED
- Holding company
- S N B Bancshares Inc
- Established
- March 7, 1911
- Headquarters
- 102 N Main St, Eufaula, OK 74432
- Website
- www.bankofeufaula.com
- Employees
- 23
Quick answers
Bank of Eufaula: common questions
Is Bank of Eufaula FDIC insured?
Yes. Bank of Eufaula is an FDIC-insured institution (FDIC certificate #4094). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Bank of Eufaula's TellerScore?
68 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Bank of Eufaula ever failed?
There is no failure record for FDIC certificate #4094 in the FDIC failed bank list.
How many branches does Bank of Eufaula have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Eufaula
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Peoples National Bank of ChecotahBank Checotah, OK | 91 out of 100, Very strong | $171.8M | 16.1% | 0.53% | vs |
| Armstrong BankBank Muskogee, OK | 74 out of 100, Strong | $2.8B | 10.4% | 0.25% | vs |
| The Farmers State BankBank Quinton, OK | 70 out of 100, Strong | $193.9M | 9.3% | 0.79% | vs |
| Patrons Bank, National AssociationBank Okmulgee, OK | 69 out of 100, Moderate | $314.5M | 10.8% | 0.80% | vs |
| First Family Federal Credit UnionCredit union Henryetta, OK | 68 out of 100, Moderate | $154.4M | 11.6% | 0.62% | vs |
| BOKF, National AssociationBank Tulsa, OK | 64 out of 100, Moderate | $53.0B | 9.3% | 0.54% | vs |