TellerScore

Brooks Bank, National Association is a national bank headquartered in Chickasha, Oklahoma, in business for about 134 years. At the end of Q2 2026 it reported $1.1B in total assets and $897.1M in deposits, with 9 offices.

Based on its Q2 2026 filing, Brooks Bank, National Association scores 70/100, which we describe as strong. That is higher than 58% of 897 banks with $1 billion – $10 billion. Among 170 banks headquartered in Oklahoma, it ranks 84th. Its strongest component is earnings (100/100; 2.10%), and its lowest is loan quality (13/100; 2.61%).

TellerScore · Q2 2026

Scorecard

Capital cushion83/100
Tier 1 leverage ratio: 13.31%
Loan quality13/100
Noncurrent loans ÷ total loans: 2.61%
Earnings100/100
Return on assets (annualized): 2.10%
Funding & liquidity95/100
Loans ÷ deposits and uninsured-deposit share: 57.6% · 19.7% uninsured
Problem-loan coverage78/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 11.01%

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 3 points (67 → 70), mostly because the earnings component improved by 7 points.

TellerScore
667175Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202471
Q3 202473
Q4 202475
Q1 202566
Q2 202567
Q3 202572
Q4 202569
Q1 202671
Q2 202670
Tier 1 leverage ratio
5.00%9.33%13.67%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.63%
Q3 202412.24%
Q4 202412.52%
Q1 202512.74%
Q2 202512.74%
Q3 202513.27%
Q4 202513.40%
Q1 202613.67%
Q2 202613.31%
Noncurrent loans
1.28%2.01%2.75%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.28%
Q3 20241.46%
Q4 20241.42%
Q1 20252.54%
Q2 20252.62%
Q3 20252.39%
Q4 20252.75%
Q1 20262.70%
Q2 20262.61%
Return on assets
1.66%1.88%2.10%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.77%
Q3 20241.77%
Q4 20241.80%
Q1 20251.66%
Q2 20251.82%
Q3 20252.04%
Q4 20252.10%
Q1 20262.04%
Q2 20262.10%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202670$1.1B13.31%2.61%2.10%57.6%
Q1 202671$1.1B13.67%2.70%2.04%58.5%
Q4 202569$1.1B13.40%2.75%2.10%59.7%
Q3 202572$1.0B13.27%2.39%2.04%58.5%
Q2 202567$1.0B12.74%2.62%1.82%58.3%
Q1 202566$1.0B12.74%2.54%1.66%57.2%
Q4 202475$1.0B12.52%1.42%1.80%58.2%
Q3 202473$1.0B12.24%1.46%1.77%56.6%
Q2 202471$1.0B11.63%1.28%1.77%56.8%

897 peers · $1 billion – $10 billion

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).

Capital ratio13.31%
87th
Total risk-based capital0.00%
13th
Problem loans2.61%
6th
Net charge-offs-0.11%
99th
Return on assets2.10%
91st
Net interest margin3.79%
55th
Efficiency ratio51.4%
73rd
Loans to deposits57.6%
94th
Uninsured deposits19.7%
83rd
Loan-loss reserves1.32%
73rd
Texas ratio11.0%
14th

Similar-size banks in Oklahoma

InstitutionScoreAssetsCapitalProblem loansCompare
Grand Savings BankBank Grove, OK80 out of 100, Strong$1.0B12.0%0.63%vs
MapleMark BankBank Tulsa, OK59 out of 100, Moderate$1.0B11.6%0.66%vs
Kirkpatrick BankBank Edmond, OK79 out of 100, Strong$1.0B10.7%0.00%vs
Firstar BankBank Sallisaw, OK66 out of 100, Moderate$1.2B9.0%0.68%vs
Liberty National BankBank Lawton, OK84 out of 100, Strong$1.3B10.3%0.02%vs
First Oklahoma BankBank Jenks, OK61 out of 100, Moderate$1.3B9.1%0.55%vs

Deposit insurance

Is my money safe at Brooks Bank, National Association?

Yes. Brooks Bank, National Association is an FDIC-insured institution (FDIC certificate #4062). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 19.7% of deposits ($176.9M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 13.31%, 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%).

Check how much of your own balance is covered

9 locations

Branches

Brooks Bank, National Association lists 8 offices in 7 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Brooks Bank, National Association reported 147 home-loan applications under HMDA (LEI 549300HCWCQYV87S4729): 82 originated ($15,580,000 total), 27 denied, and 35 withdrawn or closed by the applicant. Its denial rate on decided applications was 24.1%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Brooks Bank, National Association
Former names
The Citizens Farmers National Bank of Chickasha; The First National Bank and Trust Co., Chickasha, Oklahoma; The First National Bank in Chickasha
Type
National bank
FDIC certificate #
4062
RSSD ID
154154
Primary regulator
OCC
Holding company
First Independent Bcorp Inc
Established
August 21, 1892
Headquarters
302 W Chickasha Ave, Chickasha, OK 73018
Employees
160

Quick answers

Brooks Bank, National Association: common questions

Is Brooks Bank, National Association FDIC insured?

Yes. Brooks Bank, National Association is an FDIC-insured institution (FDIC certificate #4062). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Brooks Bank, National Association's TellerScore?

70 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Brooks Bank, National Association ever failed?

There is no failure record for FDIC certificate #4062 in the FDIC failed bank list.

How many branches does Brooks Bank, National Association have?

9 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Chickasha

InstitutionScoreAssetsCapitalProblem loansCompare
International Bank of CommerceBank Oklahoma City, OK88 out of 100, Very strong$1.6B15.5%0.66%vs
American Exchange Bank, Lindsay, OklahomaBank Lindsay, OK88 out of 100, Very strong$97.4M11.8%0.00%vs
Sooner State BankBank Tuttle, OK86 out of 100, Very strong$354.6M12.8%0.33%vs
Liberty National BankBank Lawton, OK84 out of 100, Strong$1.3B10.3%0.02%vs
The City National Bank and Trust Company of Lawton, OklahomaBank Lawton, OK83 out of 100, Strong$446.2M13.9%0.45%vs
Oklahoma'S Federal Credit UnionCredit union Oklahoma City, OK77 out of 100, Strong$954.5M12.6%0.25%vs