TellerScore

Headquartered in Jenks, Oklahoma, First Oklahoma Bank is a state-chartered bank with $1.3B in total assets and $1.2B in deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1923.

First Oklahoma Bank has a TellerScore of 61 out of 100 (moderate) based on Q2 2026 data — higher than only 24% of its 897 banks with $1 billion – $10 billion. Among 170 banks headquartered in Oklahoma, it ranks 124th. Problem-loan coverage contributes the most (90/100, 5.1%); capital cushion contributes the least (41/100, 9.07%).

TellerScore · Q2 2026

Scorecard

Capital cushion41/100
Tier 1 leverage ratio: 9.07%
Loan quality82/100
Noncurrent loans ÷ total loans: 0.55%
Earnings56/100
Return on assets (annualized): 0.91%
Funding & liquidity51/100
Loans ÷ deposits and uninsured-deposit share: 96.7% · 26.4% uninsured
Problem-loan coverage90/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 5.13%

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 (58 → 61), mostly because the loan quality component improved by 7 points.

TellerScore
586062Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202461
Q3 202462
Q4 202460
Q1 202559
Q2 202558
Q3 202558
Q4 202559
Q1 202658
Q2 202661
Tier 1 leverage ratio
5.00%7.15%9.30%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.25%
Q3 20249.30%
Q4 20249.22%
Q1 20259.10%
Q2 20259.26%
Q3 20259.11%
Q4 20259.05%
Q1 20269.04%
Q2 20269.07%
Noncurrent loans
0.33%0.54%0.76%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.33%
Q3 20240.36%
Q4 20240.54%
Q1 20250.57%
Q2 20250.76%
Q3 20250.69%
Q4 20250.62%
Q1 20260.68%
Q2 20260.55%
Return on assets
0.55%0.73%0.91%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.55%
Q3 20240.70%
Q4 20240.76%
Q1 20250.72%
Q2 20250.76%
Q3 20250.82%
Q4 20250.86%
Q1 20260.85%
Q2 20260.91%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202661$1.3B9.07%0.55%0.91%96.7%
Q1 202658$1.3B9.04%0.68%0.85%98.5%
Q4 202559$1.3B9.05%0.62%0.86%98.4%
Q3 202558$1.2B9.11%0.69%0.82%98.8%
Q2 202558$1.2B9.26%0.76%0.76%96.5%
Q1 202559$1.1B9.10%0.57%0.72%97.2%
Q4 202460$1.1B9.22%0.54%0.76%98.1%
Q3 202462$1.1B9.30%0.36%0.70%96.5%
Q2 202461$1.1B9.25%0.33%0.55%94.9%

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 ratio9.07%
14th
Total risk-based capital0.00%
13th
Problem loans0.55%
47th
Net charge-offs0.07%
37th
Return on assets0.91%
24th
Net interest margin3.67%
48th
Efficiency ratio64.2%
34th
Loans to deposits96.7%
21st
Uninsured deposits26.4%
66th
Loan-loss reserves0.95%
25th
Texas ratio5.1%
37th

Similar-size banks in Oklahoma

InstitutionScoreAssetsCapitalProblem loansCompare
Liberty National BankBank Lawton, OK84 out of 100, Strong$1.3B10.3%0.02%vs
Blue Sky BankBank Pawhuska, OK42 out of 100, Below average$1.4B9.1%2.06%vs
Firstar BankBank Sallisaw, OK66 out of 100, Moderate$1.2B9.0%0.68%vs
Sovereign BankBank Shawnee, OK64 out of 100, Moderate$1.5B10.3%0.06%vs
American Heritage BankBank Sapulpa, OK71 out of 100, Strong$1.5B9.6%0.21%vs
Brooks Bank, National AssociationBank Chickasha, OK70 out of 100, Strong$1.1B13.3%2.61%vs

Deposit insurance

Is my money safe at First Oklahoma Bank?

Yes. First Oklahoma Bank is an FDIC-insured institution (FDIC certificate #12484). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 26.4% of deposits ($310.4M) 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 9.07%, 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

3 locations

Branches

First Oklahoma Bank lists 3 offices in 3 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, First Oklahoma Bank reported 105 home-loan applications under HMDA (LEI 549300KEXKSBTXDVT278): 91 originated ($56,235,000 total), 2 denied, and 2 withdrawn or closed by the applicant. Its denial rate on decided applications was 1.9%, 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
First Oklahoma Bank
Former names
Glencoe State Bank
Type
State-chartered bank
FDIC certificate #
12484
RSSD ID
75259
Primary regulator
FDIC
Holding company
First Oklahoma Holdings Inc
Established
January 1, 1923
Headquarters
100 S Riverfront Dr, Jenks, OK 74037
Employees
113

Quick answers

First Oklahoma Bank: common questions

Is First Oklahoma Bank FDIC insured?

Yes. First Oklahoma Bank is an FDIC-insured institution (FDIC certificate #12484). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First Oklahoma Bank's TellerScore?

61 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 Oklahoma Bank ever failed?

There is no failure record for FDIC certificate #12484 in the FDIC failed bank list.

How many branches does First Oklahoma Bank have?

3 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Jenks

InstitutionScoreAssetsCapitalProblem loansCompare
First Bank of OwassoBank Owasso, OK93 out of 100, Very strong$639.3M15.7%0.01%vs
Saint Francis Employees Federal Credit UnionCredit union Tulsa, OK92 out of 100, Very strong$44.7M15.9%0.20%vs
The First National Bank and Trust Company of Broken ArrowBank Broken Arrow, OK89 out of 100, Very strong$269.5M16.4%0.14%vs
International Bank of CommerceBank Oklahoma City, OK88 out of 100, Very strong$1.6B15.5%0.66%vs
United Members Federal Credit UnionCredit union Tulsa, OK87 out of 100, Very strong$10.4M18.6%0.15%vs
Bank 7Bank Oklahoma City, OK86 out of 100, Very strong$1.9B13.9%0.39%vs