Headquartered in Altus, Oklahoma, Frazer Bank is a state-chartered bank (fed member) with $354.3M in total assets and $317.1M in deposits as of Q2 2026. It operates 6 offices. Its charter dates back to 1902.
Based on its Q2 2026 filing, Frazer Bank scores 77/100, which we describe as strong. That is higher than 68% of 2,650 banks with $100 million – $1 billion. Among 170 banks headquartered in Oklahoma, it ranks 55th. Its strongest component is loan quality (100/100; 0.00%), and its lowest is earnings (41/100; 0.51%).
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 (77 → 77).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 68 |
| Q3 2024 | 68 |
| Q4 2024 | 72 |
| Q1 2025 | 74 |
| Q2 2025 | 77 |
| Q3 2025 | 78 |
| Q4 2025 | 78 |
| Q1 2026 | 77 |
| Q2 2026 | 77 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.59% |
| Q3 2024 | 10.85% |
| Q4 2024 | 11.21% |
| Q1 2025 | 11.28% |
| Q2 2025 | 11.79% |
| Q3 2025 | 11.97% |
| Q4 2025 | 12.02% |
| Q1 2026 | 11.35% |
| Q2 2026 | 11.21% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.19% |
| Q3 2024 | 0.17% |
| Q4 2024 | 0.18% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.10% |
| Q1 2026 | 0.19% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.17% |
| Q3 2024 | 0.15% |
| Q4 2024 | 0.33% |
| Q1 2025 | 0.42% |
| Q2 2025 | 0.50% |
| Q3 2025 | 0.53% |
| Q4 2025 | 0.52% |
| Q1 2026 | 0.70% |
| Q2 2026 | 0.51% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 77 | $354.3M | 11.21% | 0.00% | 0.51% | 60.9% |
| Q1 2026 | 77 | $364.4M | 11.35% | 0.19% | 0.70% | 58.7% |
| Q4 2025 | 78 | $344.9M | 12.02% | 0.10% | 0.52% | 63.3% |
| Q3 2025 | 78 | $331.9M | 11.97% | 0.00% | 0.53% | 69.2% |
| Q2 2025 | 77 | $347.8M | 11.79% | 0.00% | 0.50% | 69.7% |
| Q1 2025 | 74 | $344.2M | 11.28% | 0.00% | 0.42% | 71.7% |
| Q4 2024 | 72 | $372.7M | 11.21% | 0.18% | 0.33% | 68.6% |
| Q3 2024 | 68 | $352.1M | 10.85% | 0.17% | 0.15% | 80.0% |
| Q2 2024 | 68 | $358.5M | 10.59% | 0.19% | 0.17% | 78.7% |
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 |
|---|---|---|---|---|---|
| Sooner State BankBank Tuttle, OK | 86 out of 100, Very strong | $354.6M | 12.8% | 0.33% | vs |
| Citizens Bank of AdaBank Ada, OK | 73 out of 100, Strong | $353.7M | 9.5% | 0.68% | vs |
| The Pauls Valley National BankBank Pauls Valley, OK | 39 out of 100, Low | $356.6M | 9.5% | 5.72% | vs |
| Cowboy BankBank Kremlin, OK | 84 out of 100, Strong | $350.3M | 12.7% | 0.49% | vs |
| The First Security BankBank Beaver, OK | 35 out of 100, Low | $335.0M | 8.3% | 2.34% | vs |
| Bank of CommerceBank Duncan, OK | 46 out of 100, Below average | $334.0M | 10.5% | 2.27% | vs |
Deposit insurance
Is my money safe at Frazer Bank?
Yes. Frazer Bank is an FDIC-insured institution (FDIC certificate #4031). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 9.0% of deposits ($28.5M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.21%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 18.30% (benchmark: 10%).
6 locations
Branches
Frazer Bank lists 6 offices in 5 cities. Most locations:
- Altus, OK (2)
- Edmond, OK (1)
- Frederick, OK (1)
- Grandfield, OK (1)
- Hobart, OK (1)
Identity & history
Profile
- Legal name
- Frazer Bank
- Former names
- The First National Bank in Altus; Altus National Bank
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 4031
- RSSD ID
- 245351
- Primary regulator
- FED
- Holding company
- First Altus Bcorp Inc
- Established
- January 1, 1902
- Headquarters
- 110 E Broadway St, Altus, OK 73521
- Website
- www.frazerbank.com
- Employees
- 52
Quick answers
Frazer Bank: common questions
Is Frazer Bank FDIC insured?
Yes. Frazer Bank is an FDIC-insured institution (FDIC certificate #4031). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Frazer Bank's TellerScore?
77 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Frazer Bank ever failed?
There is no failure record for FDIC certificate #4031 in the FDIC failed bank list.
How many branches does Frazer Bank have?
6 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Altus
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Peoples State BankBank Blair, OK | 85 out of 100, Very strong | $13.9M | 13.0% | 0.00% | vs |
| Red River Federal Credit UnionCredit union Altus, OK | 79 out of 100, Strong | $168.4M | 12.1% | 0.28% | vs |
| Shamrock Bank, N.A.Bank Coalgate, OK | 79 out of 100, Strong | $501.5M | 10.8% | 0.29% | vs |
| Farmers & Merchants BankBank Duke, OK | 79 out of 100, Strong | $20.5M | 11.3% | 0.00% | vs |
| BancFirstBank Oklahoma City, OK | 71 out of 100, Strong | $12.8B | 10.6% | 1.19% | vs |
| Cattlemens BankBank Altus, OK | 68 out of 100, Moderate | $595.2M | 10.3% | 0.29% | vs |