Headquartered in Durant, Oklahoma, First Texoma National Bank is a national bank with $225.4M in total assets and $202.3M in deposits as of Q2 2026. It operates 5 offices across 2 states. Its charter dates back to 1898.
Based on its Q2 2026 filing, First Texoma National Bank scores 50/100, which we describe as below average. That is higher than only 7% of 2,650 banks with $100 million – $1 billion. Among 170 banks headquartered in Oklahoma, it ranks 146th. Its strongest component is funding & liquidity (77/100; 74% loans-to-deposits, 23% uninsured), and its lowest is loan quality (0/100; 3.38%).
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
The score has been essentially flat from Q2 2025 to Q2 2026 (49 → 50).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 50 |
| Q3 2024 | 49 |
| Q4 2024 | 46 |
| Q1 2025 | 49 |
| Q2 2025 | 49 |
| Q3 2025 | 50 |
| Q4 2025 | 47 |
| Q1 2026 | 51 |
| Q2 2026 | 50 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.51% |
| Q3 2024 | 11.48% |
| Q4 2024 | 11.05% |
| Q1 2025 | 11.43% |
| Q2 2025 | 11.47% |
| Q3 2025 | 11.91% |
| Q4 2025 | 11.13% |
| Q1 2026 | 11.52% |
| Q2 2026 | 11.60% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 2.70% |
| Q3 2024 | 3.11% |
| Q4 2024 | 3.58% |
| Q1 2025 | 3.43% |
| Q2 2025 | 3.25% |
| Q3 2025 | 3.40% |
| Q4 2025 | 3.51% |
| Q1 2026 | 3.34% |
| Q2 2026 | 3.38% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.81% |
| Q3 2024 | 0.93% |
| Q4 2024 | 0.86% |
| Q1 2025 | 1.00% |
| Q2 2025 | 0.96% |
| Q3 2025 | 1.03% |
| Q4 2025 | 0.97% |
| Q1 2026 | 1.23% |
| Q2 2026 | 1.14% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 50 | $225.4M | 11.60% | 3.38% | 1.14% | 74.2% |
| Q1 2026 | 51 | $225.2M | 11.52% | 3.34% | 1.23% | 75.2% |
| Q4 2025 | 47 | $217.6M | 11.13% | 3.51% | 0.97% | 76.3% |
| Q3 2025 | 50 | $221.8M | 11.91% | 3.40% | 1.03% | 77.5% |
| Q2 2025 | 49 | $222.9M | 11.47% | 3.25% | 0.96% | 73.6% |
| Q1 2025 | 49 | $223.5M | 11.43% | 3.43% | 1.00% | 72.9% |
| Q4 2024 | 46 | $221.6M | 11.05% | 3.58% | 0.86% | 73.5% |
| Q3 2024 | 49 | $226.5M | 11.48% | 3.11% | 0.93% | 73.4% |
| Q2 2024 | 50 | $222.5M | 11.51% | 2.70% | 0.81% | 75.2% |
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 |
|---|---|---|---|---|---|
| First Security Bank and Trust CompanyBank Oklahoma City, OK | 29 out of 100, Low | $226.0M | 10.1% | 13.20% | vs |
| Triad Bank, National AssociationBank Tulsa, OK | 50 out of 100, Below average | $228.6M | 12.7% | 5.96% | vs |
| Method BankBank Wyandotte, OK | 66 out of 100, Moderate | $241.2M | 9.8% | 0.70% | vs |
| The Idabel National BankBank Idabel, OK | 52 out of 100, Below average | $242.3M | 16.2% | 8.39% | vs |
| Bank of CommerceBank Chelsea, OK | 82 out of 100, Strong | $203.2M | 12.8% | 0.78% | vs |
| Oklahoma Bank and Trust CompanyBank Clinton, OK | 82 out of 100, Strong | $202.3M | 14.1% | 0.61% | vs |
Deposit insurance
Is my money safe at First Texoma National Bank?
Yes. First Texoma National Bank is an FDIC-insured institution (FDIC certificate #13905). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 22.9% of deposits ($46.4M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.60%, 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%).
5 locations
Branches
First Texoma National Bank lists 4 offices in 3 cities across 2 states. Most locations:
- Durant, OK (2)
- Boswell, OK (1)
- Sherman, TX (1)
HMDA 2025
Mortgage lending
In 2025, First Texoma National Bank reported 61 home-loan applications under HMDA (LEI 254900FP6SX9QWAB1J85): 54 originated ($10,900,000 total), 2 denied, and 4 withdrawn or closed by the applicant. Its denial rate on decided applications was 3.5%, 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 Texoma National Bank
- Former names
- The First National Bank in Durant
- Type
- National bank
- FDIC certificate #
- 13905
- RSSD ID
- 388155
- Primary regulator
- OCC
- Holding company
- Fnb Financial Services Inc
- Established
- July 8, 1898
- Headquarters
- 220 W Main St, Durant, OK 74701
- Website
- www.ftnb.net
- Employees
- 58
Quick answers
First Texoma National Bank: common questions
Is First Texoma National Bank FDIC insured?
Yes. First Texoma National Bank is an FDIC-insured institution (FDIC certificate #13905). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is First Texoma National Bank's TellerScore?
50 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has First Texoma National Bank ever failed?
There is no failure record for FDIC certificate #13905 in the FDIC failed bank list.
How many branches does First Texoma National Bank have?
5 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Durant
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Texoma Educators Federal Credit UnionCredit union Sherman, TX | 87 out of 100, Very strong | $128.1M | 14.8% | 0.96% | vs |
| Legend Bank, N.A.Bank Bowie, TX | 82 out of 100, Strong | $1.3B | 10.4% | 0.12% | vs |
| Shamrock Bank, N.A.Bank Coalgate, OK | 79 out of 100, Strong | $501.5M | 10.8% | 0.29% | vs |
| First National Bank and Trust Company of ArdmoreBank Ardmore, OK | 79 out of 100, Strong | $686.7M | 10.1% | 0.03% | vs |
| American Nation BankBank Ardmore, OK | 76 out of 100, Strong | $691.5M | 10.3% | 0.06% | vs |
| BancFirstBank Oklahoma City, OK | 71 out of 100, Strong | $12.8B | 10.6% | 1.19% | vs |