First Bank of Owasso is a state-chartered bank headquartered in Owasso, Oklahoma, in business for about 64 years. At the end of Q2 2026 it reported $639.3M in total assets and $538.7M in deposits, with 3 offices.
First Bank of Owasso 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 6th. Capital cushion contributes the most (100/100, 15.67%); funding & liquidity contributes the least (52/100, 90% loans-to-deposits, 31% uninsured).
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 2 points (91 → 93), mostly because the funding & liquidity component improved by 11 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 88 |
| Q3 2024 | 88 |
| Q4 2024 | 89 |
| Q1 2025 | 90 |
| Q2 2025 | 91 |
| Q3 2025 | 91 |
| Q4 2025 | 92 |
| Q1 2026 | 94 |
| Q2 2026 | 93 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 15.84% |
| Q3 2024 | 16.71% |
| Q4 2024 | 17.09% |
| Q1 2025 | 15.60% |
| Q2 2025 | 15.52% |
| Q3 2025 | 15.95% |
| Q4 2025 | 16.72% |
| Q1 2026 | 15.50% |
| Q2 2026 | 15.67% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.21% |
| Q3 2024 | 0.21% |
| Q4 2024 | 0.02% |
| Q1 2025 | 0.02% |
| Q2 2025 | 0.02% |
| Q3 2025 | 0.02% |
| Q4 2025 | 0.01% |
| Q1 2026 | 0.01% |
| Q2 2026 | 0.01% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 4.01% |
| Q3 2024 | 4.20% |
| Q4 2024 | 4.07% |
| Q1 2025 | 2.95% |
| Q2 2025 | 3.04% |
| Q3 2025 | 3.11% |
| Q4 2025 | 3.15% |
| Q1 2026 | 2.73% |
| Q2 2026 | 2.80% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 93 | $639.3M | 15.67% | 0.01% | 2.80% | 90.3% |
| Q1 2026 | 94 | $646.9M | 15.50% | 0.01% | 2.73% | 86.7% |
| Q4 2025 | 92 | $584.5M | 16.72% | 0.01% | 3.15% | 95.3% |
| Q3 2025 | 91 | $592.6M | 15.95% | 0.02% | 3.11% | 91.1% |
| Q2 2025 | 91 | $592.8M | 15.52% | 0.02% | 3.04% | 89.1% |
| Q1 2025 | 90 | $629.0M | 15.60% | 0.02% | 2.95% | 83.3% |
| Q4 2024 | 89 | $559.8M | 17.09% | 0.02% | 4.07% | 96.3% |
| Q3 2024 | 88 | $523.8M | 16.71% | 0.21% | 4.20% | 94.5% |
| Q2 2024 | 88 | $528.9M | 15.84% | 0.21% | 4.01% | 90.2% |
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).
Similar-size banks in Oklahoma
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| AVB BankBank Broken Arrow, OK | 66 out of 100, Moderate | $612.3M | 9.5% | 0.41% | vs |
| All America BankBank Oklahoma City, OK | 43 out of 100, Below average | $611.5M | 10.5% | 5.50% | vs |
| Frontier State BankBank Oklahoma City, OK | 47 out of 100, Below average | $608.6M | 11.5% | 4.81% | vs |
| Wisdom Heritage BankBank Alva, OK | 78 out of 100, Strong | $601.3M | 14.2% | 1.28% | vs |
| Cattlemens BankBank Altus, OK | 68 out of 100, Moderate | $595.2M | 10.3% | 0.29% | vs |
| FirstBankBank Antlers, OK | 69 out of 100, Moderate | $684.3M | 10.8% | 0.82% | vs |
Deposit insurance
Is my money safe at First Bank of Owasso?
Yes. First Bank of Owasso is an FDIC-insured institution (FDIC certificate #18592). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 30.8% of deposits ($165.7M) 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 15.67%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 19.47% (benchmark: 10%).
3 locations
Branches
First Bank of Owasso lists 3 offices in 1 city. Most locations:
- Owasso, OK (3)
Identity & history
Profile
- Legal name
- First Bank of Owasso
- Former names
- First National Bank of Owasso
- Type
- State-chartered bank
- FDIC certificate #
- 18592
- RSSD ID
- 637554
- Primary regulator
- FDIC
- Established
- September 8, 1962
- Headquarters
- 8601 N Garnett Rd, Owasso, OK 74055
- Website
- www.firstbank.net
- Employees
- 80
Quick answers
First Bank of Owasso: common questions
Is First Bank of Owasso FDIC insured?
Yes. First Bank of Owasso is an FDIC-insured institution (FDIC certificate #18592). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is First Bank of Owasso'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 of Owasso ever failed?
There is no failure record for FDIC certificate #18592 in the FDIC failed bank list.
How many branches does First Bank of Owasso have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Owasso
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Saint Francis Employees Federal Credit UnionCredit union Tulsa, OK | 92 out of 100, Very strong | $44.7M | 15.9% | 0.20% | vs |
| The First National Bank and Trust Company of Broken ArrowBank Broken Arrow, OK | 89 out of 100, Very strong | $269.5M | 16.4% | 0.14% | vs |
| International Bank of CommerceBank Oklahoma City, OK | 88 out of 100, Very strong | $1.6B | 15.5% | 0.66% | vs |
| United Members Federal Credit UnionCredit union Tulsa, OK | 87 out of 100, Very strong | $10.4M | 18.6% | 0.15% | vs |
| Bank 7Bank Oklahoma City, OK | 86 out of 100, Very strong | $1.9B | 13.9% | 0.39% | vs |
| Vast Bank, National AssociationBank Tulsa, OK | 84 out of 100, Strong | $540.4M | 14.1% | 0.01% | vs |