Headquartered in Lawton, Oklahoma, FSNB, National Association is a national bank with $478.3M in total assets and $369.7M in deposits as of Q2 2026. It operates 68 offices across 9 states. Its charter dates back to 1946.
Based on its Q2 2026 filing, FSNB, National Association scores 96/100, which we describe as very strong. That is higher than 99% of 2,650 banks with $100 million – $1 billion. Among 170 banks headquartered in Oklahoma, it ranks 3rd. Its strongest component is capital cushion (100/100; 17.51%), and its lowest is loan quality (88/100; 0.36%).
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 (97 → 96).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 88 |
| Q3 2024 | 88 |
| Q4 2024 | 96 |
| Q1 2025 | 96 |
| Q2 2025 | 97 |
| Q3 2025 | 97 |
| Q4 2025 | 96 |
| Q1 2026 | 96 |
| Q2 2026 | 96 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 15.97% |
| Q3 2024 | 16.22% |
| Q4 2024 | 16.32% |
| Q1 2025 | 16.20% |
| Q2 2025 | 16.53% |
| Q3 2025 | 17.13% |
| Q4 2025 | 17.33% |
| Q1 2026 | 17.10% |
| Q2 2026 | 17.51% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.23% |
| Q3 2024 | 1.31% |
| Q4 2024 | 0.39% |
| Q1 2025 | 0.38% |
| Q2 2025 | 0.24% |
| Q3 2025 | 0.27% |
| Q4 2025 | 0.32% |
| Q1 2026 | 0.40% |
| Q2 2026 | 0.36% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 3.17% |
| Q3 2024 | 3.02% |
| Q4 2024 | 3.15% |
| Q1 2025 | 2.20% |
| Q2 2025 | 2.91% |
| Q3 2025 | 3.58% |
| Q4 2025 | 3.82% |
| Q1 2026 | 2.78% |
| Q2 2026 | 3.46% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 96 | $478.3M | 17.51% | 0.36% | 3.46% | 39.2% |
| Q1 2026 | 96 | $471.2M | 17.10% | 0.40% | 2.78% | 37.7% |
| Q4 2025 | 96 | $478.8M | 17.33% | 0.32% | 3.82% | 36.4% |
| Q3 2025 | 97 | $473.6M | 17.13% | 0.27% | 3.58% | 41.0% |
| Q2 2025 | 97 | $472.6M | 16.53% | 0.24% | 2.91% | 41.0% |
| Q1 2025 | 96 | $463.2M | 16.20% | 0.38% | 2.20% | 39.8% |
| Q4 2024 | 96 | $463.1M | 16.32% | 0.39% | 3.15% | 41.4% |
| Q3 2024 | 88 | $459.2M | 16.22% | 1.31% | 3.02% | 42.8% |
| Q2 2024 | 88 | $459.2M | 15.97% | 1.23% | 3.17% | 40.4% |
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 |
|---|---|---|---|---|---|
| Ameristate BankBank Atoka, OK | 57 out of 100, Moderate | $477.7M | 9.5% | 1.67% | vs |
| FNB Community BankBank Midwest City, OK | 52 out of 100, Below average | $480.2M | 10.5% | 2.35% | vs |
| Bank of Western OklahomaBank Elk City, OK | 73 out of 100, Strong | $469.7M | 8.1% | 0.11% | vs |
| The Bank, National AssociationBank Mcalester, OK | 68 out of 100, Moderate | $488.1M | 10.9% | 1.30% | vs |
| Local BankBank Hulbert, OK | 66 out of 100, Moderate | $463.1M | 11.4% | 0.52% | vs |
| Shamrock Bank, N.A.Bank Coalgate, OK | 79 out of 100, Strong | $501.5M | 10.8% | 0.29% | vs |
Deposit insurance
Is my money safe at FSNB, National Association?
Yes. FSNB, National Association is an FDIC-insured institution (FDIC certificate #16416). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 8.2% of deposits ($30.4M) 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 17.51%, 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%).
68 locations
Branches
FSNB, National Association lists 66 offices in 49 cities across 9 states. Most locations:
- Memphis, TN (4)
- Knoxville, TN (3)
- Lawton, OK (3)
- Nashville, TN (3)
- Shreveport, LA (3)
- Fayetteville, NC (2)
- Jackson, MS (2)
- Murfreesboro, TN (2)
- Raleigh, NC (2)
- Spring Lake, NC (2)
- Wilmington, NC (2)
- Antioch, TN (1)
Identity & history
Profile
- Legal name
- FSNB, National Association
- Former names
- The Fort Sill National Bank
- Type
- National bank
- FDIC certificate #
- 16416
- RSSD ID
- 125154
- Primary regulator
- OCC
- Holding company
- Jrmb II Inc
- Established
- July 1, 1946
- Headquarters
- 1420 Sw Lee Blvd, Lawton, OK 73501
- Website
- www.fsnb.com
- Employees
- 571
Quick answers
FSNB, National Association: common questions
Is FSNB, National Association FDIC insured?
Yes. FSNB, National Association is an FDIC-insured institution (FDIC certificate #16416). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is FSNB, National Association's TellerScore?
96 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 FSNB, National Association ever failed?
There is no failure record for FDIC certificate #16416 in the FDIC failed bank list.
How many branches does FSNB, National Association have?
68 offices as of the latest FDIC data, in 9 states.
Nearby
Highest-scoring banks and credit unions with branches near Lawton
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Walters Bank and Trust CompanyBank Walters, OK | 99 out of 100, Very strong | $70.3M | 20.0% | 0.06% | vs |
| Comanche County Federal Credit UnionCredit union Lawton, OK | 96 out of 100, Very strong | $36.4M | 18.8% | 0.00% | vs |
| Southwest Oklahoma Federal Credit UnionCredit union Lawton, OK | 89 out of 100, Very strong | $116.4M | 19.3% | 0.88% | vs |
| International Bank of CommerceBank Oklahoma City, OK | 88 out of 100, Very strong | $1.6B | 15.5% | 0.66% | vs |
| Liberty National BankBank Lawton, OK | 84 out of 100, Strong | $1.3B | 10.3% | 0.02% | vs |
| The City National Bank and Trust Company of Lawton, OklahomaBank Lawton, OK | 83 out of 100, Strong | $446.2M | 13.9% | 0.45% | vs |