First Bank of Thomas is a state-chartered bank (fed member) headquartered in Thomas, Oklahoma, in business for about 122 years. At the end of Q2 2026 it reported $63.2M in total assets and $55.7M in deposits, with 1 office.
First Bank of Thomas has a TellerScore of 64 out of 100 (moderate) based on Q2 2026 data — higher than only 24% of its 546 banks with under $100 million in assets. Among 170 banks headquartered in Oklahoma, it ranks 115th. Funding & liquidity contributes the most (90/100, 49% loans-to-deposits, 24% uninsured); loan quality contributes the least (24/100, 2.29%).
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 fell 14 points (78 → 64), mostly because the loan quality component weakened by 27 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 80 |
| Q3 2024 | 83 |
| Q4 2024 | 76 |
| Q1 2025 | 77 |
| Q2 2025 | 78 |
| Q3 2025 | 76 |
| Q4 2025 | 77 |
| Q1 2026 | 69 |
| Q2 2026 | 64 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 15.10% |
| Q3 2024 | 15.73% |
| Q4 2024 | 16.04% |
| Q1 2025 | 14.97% |
| Q2 2025 | 14.58% |
| Q3 2025 | 15.12% |
| Q4 2025 | 15.15% |
| Q1 2026 | 13.83% |
| Q2 2026 | 12.63% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.18% |
| Q3 2024 | 1.02% |
| Q4 2024 | 1.76% |
| Q1 2025 | 1.69% |
| Q2 2025 | 1.46% |
| Q3 2025 | 1.89% |
| Q4 2025 | 1.82% |
| Q1 2026 | 2.19% |
| Q2 2026 | 2.29% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.97% |
| Q3 2024 | 1.07% |
| Q4 2024 | 0.97% |
| Q1 2025 | 1.21% |
| Q2 2025 | 1.29% |
| Q3 2025 | 1.36% |
| Q4 2025 | 1.32% |
| Q1 2026 | 1.20% |
| Q2 2026 | 1.18% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 64 | $63.2M | 12.63% | 2.29% | 1.18% | 49.3% |
| Q1 2026 | 69 | $58.4M | 13.83% | 2.19% | 1.20% | 56.5% |
| Q4 2025 | 77 | $53.2M | 15.15% | 1.82% | 1.32% | 65.6% |
| Q3 2025 | 76 | $53.5M | 15.12% | 1.89% | 1.36% | 63.0% |
| Q2 2025 | 78 | $54.7M | 14.58% | 1.46% | 1.29% | 54.5% |
| Q1 2025 | 77 | $52.6M | 14.97% | 1.69% | 1.21% | 54.6% |
| Q4 2024 | 76 | $49.7M | 16.04% | 1.76% | 0.97% | 56.6% |
| Q3 2024 | 83 | $50.8M | 15.73% | 1.02% | 1.07% | 55.4% |
| Q2 2024 | 80 | $51.2M | 15.10% | 1.18% | 0.97% | 56.3% |
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 |
|---|---|---|---|---|---|
| Peoples Bank and Trust CompanyBank Ryan, OK | 39 out of 100, Low | $61.9M | 14.4% | 10.85% | vs |
| First State BankBank Noble, OK | 67 out of 100, Moderate | $61.5M | 11.3% | 0.76% | vs |
| Fairview Savings and Loan AssociationBank Fairview, OK | 92 out of 100, Very strong | $65.1M | 20.8% | 0.00% | vs |
| Bank360Bank Cordell, OK | 42 out of 100, Below average | $61.0M | 9.4% | 3.97% | vs |
| Latimer State BankBank Wilburton, OK | 90 out of 100, Very strong | $65.5M | 25.0% | 0.83% | vs |
| Oklahoma State BankBank Buffalo, OK | 69 out of 100, Moderate | $66.7M | 10.4% | 1.47% | vs |
Deposit insurance
Is my money safe at First Bank of Thomas?
Yes. First Bank of Thomas is an FDIC-insured institution (FDIC certificate #4209). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 24.0% of deposits ($13.4M) 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 12.63%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 29.90% (benchmark: 10%).
1 location
Branches
First Bank of Thomas lists 1 office in 1 city. Most locations:
- Thomas, OK (1)
Identity & history
Profile
- Legal name
- First Bank of Thomas
- Former names
- The First National Bank of Thomas
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 4209
- RSSD ID
- 328058
- Primary regulator
- FED
- Holding company
- First Thomas Ban Corp
- Established
- May 28, 1904
- Headquarters
- 301 W Broadway St, Thomas, OK 73669
- Website
- www.fnbthomas.com
- Employees
- 7
Quick answers
First Bank of Thomas: common questions
Is First Bank of Thomas FDIC insured?
Yes. First Bank of Thomas is an FDIC-insured institution (FDIC certificate #4209). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is First Bank of Thomas's TellerScore?
64 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 First Bank of Thomas ever failed?
There is no failure record for FDIC certificate #4209 in the FDIC failed bank list.
How many branches does First Bank of Thomas have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Thomas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Bank and Trust CompanyBank Clinton, OK | 96 out of 100, Very strong | $58.2M | 16.7% | 0.02% | vs |
| Bank 7Bank Oklahoma City, OK | 86 out of 100, Very strong | $1.9B | 13.9% | 0.39% | vs |
| Oklahoma Bank and Trust CompanyBank Clinton, OK | 82 out of 100, Strong | $202.3M | 14.1% | 0.61% | vs |
| First State BankBank Watonga, OK | 82 out of 100, Strong | $89.8M | 13.2% | 1.28% | vs |
| Bank of HydroBank Hydro, OK | 76 out of 100, Strong | $180.8M | 11.6% | 0.64% | vs |
| Bank of Western OklahomaBank Elk City, OK | 73 out of 100, Strong | $469.7M | 8.1% | 0.11% | vs |