TellerScore

First Bank (FDIC certificate #4092) is based in Erick, Oklahoma. Its Q2 2026 call report shows $118.0M in total assets and $100.1M in deposits and 4 offices.

First Bank has a TellerScore of 93 out of 100 (very strong) based on Q2 2026 data — higher than 98% of its 2,650 banks with $100 million – $1 billion. Among 170 banks headquartered in Oklahoma, it ranks 7th. Earnings contributes the most (100/100, 2.88%); funding & liquidity contributes the least (83/100, 65% loans-to-deposits, 26% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion92/100
Tier 1 leverage ratio: 14.16%
Loan quality91/100
Noncurrent loans ÷ total loans: 0.27%
Earnings100/100
Return on assets (annualized): 2.88%
Funding & liquidity83/100
Loans ÷ deposits and uninsured-deposit share: 64.6% · 26.1% uninsured
Problem-loan coverage98/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.98%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (92 → 93).

TellerScore
919496Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202491
Q3 202493
Q4 202495
Q1 202593
Q2 202592
Q3 202594
Q4 202596
Q1 202694
Q2 202693
Tier 1 leverage ratio
5.00%9.98%14.96%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202413.11%
Q3 202413.58%
Q4 202414.18%
Q1 202513.84%
Q2 202513.54%
Q3 202513.86%
Q4 202514.96%
Q1 202614.20%
Q2 202614.16%
Noncurrent loans
0.01%0.14%0.27%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.02%
Q3 20240.01%
Q4 20240.02%
Q1 20250.09%
Q2 20250.13%
Q3 20250.14%
Q4 20250.17%
Q1 20260.10%
Q2 20260.27%
Return on assets
2.84%3.87%4.90%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20244.76%
Q3 20244.71%
Q4 20244.90%
Q1 20253.61%
Q2 20253.83%
Q3 20253.68%
Q4 20253.58%
Q1 20262.84%
Q2 20262.88%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202693$118.0M14.16%0.27%2.88%64.6%
Q1 202694$117.3M14.20%0.10%2.84%65.2%
Q4 202596$110.1M14.96%0.17%3.58%66.8%
Q3 202594$112.1M13.86%0.14%3.68%60.8%
Q2 202592$114.5M13.54%0.13%3.83%59.3%
Q1 202593$112.6M13.84%0.09%3.61%61.2%
Q4 202495$101.8M14.18%0.02%4.90%72.5%
Q3 202493$102.3M13.58%0.01%4.71%71.5%
Q2 202491$105.0M13.11%0.02%4.76%72.3%

2,650 peers · $100 million – $1 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 ratio14.16%
82nd
Total risk-based capital24.70%
93rd
Problem loans0.27%
59th
Net charge-offs0.01%
44th
Return on assets2.88%
97th
Net interest margin5.32%
96th
Efficiency ratio47.0%
88th
Loans to deposits64.6%
77th
Uninsured deposits26.1%
42nd
Loan-loss reserves2.28%
96th
Texas ratio1.0%
69th

Similar-size banks in Oklahoma

InstitutionScoreAssetsCapitalProblem loansCompare
The Farmers and Merchants National Bank of FairviewBank Fairview, OK66 out of 100, Moderate$118.7M12.2%1.67%vs
Community BankBank Bristow, OK71 out of 100, Strong$119.1M10.1%0.86%vs
CorebankBank Waynoka, OK83 out of 100, Strong$122.1M11.8%0.00%vs
Great Nations BankBank Norman, OK70 out of 100, Strong$113.8M10.3%0.10%vs
Cleo State BankBank Cleo Springs, OK80 out of 100, Strong$122.5M16.4%2.12%vs
Monument BankBank Poteau, OK76 out of 100, Strong$112.8M9.9%0.27%vs

Deposit insurance

Is my money safe at First Bank?

Yes. First Bank is an FDIC-insured institution (FDIC certificate #4092). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 26.1% of deposits ($26.1M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 14.16%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 24.70% (benchmark: 10%).

Check how much of your own balance is covered

4 locations

Branches

First Bank lists 4 offices in 4 cities. Most locations:

  • Chouteau, OK (1)
  • Erick, OK (1)
  • Locust Grove, OK (1)
  • Porter, OK (1)

All branch addresses and map

Identity & history

Profile

Legal name
First Bank
Former names
First American Bank; First National Bank of Erick
Type
State-chartered bank
FDIC certificate #
4092
RSSD ID
280352
Primary regulator
FDIC
Holding company
Erick Bancshares Inc
Established
December 12, 1902
Headquarters
118 West Roger Miller Boulevard, Erick, OK 73645
Employees
24

Quick answers

First Bank: common questions

Is First Bank FDIC insured?

Yes. First Bank is an FDIC-insured institution (FDIC certificate #4092). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First Bank's TellerScore?

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

Has First Bank ever failed?

There is no failure record for FDIC certificate #4092 in the FDIC failed bank list.

How many branches does First Bank have?

4 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Erick

InstitutionScoreAssetsCapitalProblem loansCompare
The First National Bank & TrustBank Elk City, OK88 out of 100, Very strong$294.0M13.1%0.56%vs
BOC BankBank Mclean, TX81 out of 100, Strong$203.4M12.4%0.00%vs
Centennial BankBank Conway, AR79 out of 100, Strong$24.6B12.6%0.55%vs
InterBankBank Oklahoma City, OK62 out of 100, Moderate$5.3B11.1%1.56%vs
Great Plains National BankBank Elk City, OK62 out of 100, Moderate$1.9B9.4%1.33%vs