TellerScore

Headquartered in Elk City, Oklahoma, Great Plains National Bank is a national bank with $1.9B in total assets and $1.7B in deposits as of Q2 2026. It operates 26 offices across 2 states. Its charter dates back to 1996.

Based on its Q2 2026 filing, Great Plains National Bank scores 62/100, which we describe as moderate. That is higher than only 27% of 897 banks with $1 billion – $10 billion. Among 170 banks headquartered in Oklahoma, it ranks 122nd. Its strongest component is earnings (92/100; 1.81%), and its lowest is capital cushion (44/100; 9.42%).

TellerScore · Q2 2026

Scorecard

Capital cushion44/100
Tier 1 leverage ratio: 9.42%
Loan quality56/100
Noncurrent loans ÷ total loans: 1.33%
Earnings92/100
Return on assets (annualized): 1.81%
Funding & liquidity55/100
Loans ÷ deposits and uninsured-deposit share: 95.5% · 23.8% uninsured
Problem-loan coverage78/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 11.17%

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 (63 → 62).

TellerScore
596468Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202463
Q3 202460
Q4 202468
Q1 202561
Q2 202563
Q3 202564
Q4 202559
Q1 202660
Q2 202662
Tier 1 leverage ratio
5.00%7.34%9.68%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.97%
Q3 20249.18%
Q4 20249.37%
Q1 20259.39%
Q2 20259.20%
Q3 20259.18%
Q4 20259.53%
Q1 20269.68%
Q2 20269.42%
Noncurrent loans
0.49%1.04%1.60%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.74%
Q3 20241.24%
Q4 20240.49%
Q1 20251.20%
Q2 20251.04%
Q3 20250.99%
Q4 20251.56%
Q1 20261.60%
Q2 20261.33%
Return on assets
1.25%1.53%1.81%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.25%
Q3 20241.41%
Q4 20241.40%
Q1 20251.35%
Q2 20251.58%
Q3 20251.73%
Q4 20251.73%
Q1 20261.80%
Q2 20261.81%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202662$1.9B9.42%1.33%1.81%95.5%
Q1 202660$1.9B9.68%1.60%1.80%94.5%
Q4 202559$1.9B9.53%1.56%1.73%95.5%
Q3 202564$1.8B9.18%0.99%1.73%91.3%
Q2 202563$1.8B9.20%1.04%1.58%90.9%
Q1 202561$1.8B9.39%1.20%1.35%89.1%
Q4 202468$1.7B9.37%0.49%1.40%91.8%
Q3 202460$1.7B9.18%1.24%1.41%90.9%
Q2 202463$1.7B8.97%0.74%1.25%92.9%

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 ratio9.42%
21st
Total risk-based capital12.10%
33rd
Problem loans1.33%
19th
Net charge-offs0.38%
11th
Return on assets1.81%
83rd
Net interest margin5.35%
97th
Efficiency ratio65.3%
31st
Loans to deposits95.5%
24th
Uninsured deposits23.8%
73rd
Loan-loss reserves1.17%
53rd
Texas ratio11.2%
14th

Similar-size banks in Oklahoma

InstitutionScoreAssetsCapitalProblem loansCompare
Bank 7Bank Oklahoma City, OK86 out of 100, Very strong$1.9B13.9%0.39%vs
Mabrey BankBank Bixby, OK63 out of 100, Moderate$2.0B8.5%0.41%vs
Gateway First BankBank Jenks, OK54 out of 100, Below average$2.1B14.1%4.36%vs
International Bank of CommerceBank Oklahoma City, OK88 out of 100, Very strong$1.6B15.5%0.66%vs
Regent BankBank Tulsa, OK43 out of 100, Below average$2.2B9.9%2.51%vs
American Heritage BankBank Sapulpa, OK71 out of 100, Strong$1.5B9.6%0.21%vs

Deposit insurance

Is my money safe at Great Plains National Bank?

Yes. Great Plains National Bank is an FDIC-insured institution (FDIC certificate #34207). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 23.8% of deposits ($406.2M) 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 9.42%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.10% (benchmark: 10%).

Check how much of your own balance is covered

26 locations

Branches

Great Plains National Bank lists 23 offices in 22 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Great Plains National Bank
Type
National bank
FDIC certificate #
34207
RSSD ID
2482824
Primary regulator
OCC
Holding company
Great Plains Bancshares Inc
Established
July 17, 1996
Headquarters
2017 W 3rd St, Elk City, OK 73644
Employees
416

Quick answers

Great Plains National Bank: common questions

Is Great Plains National Bank FDIC insured?

Yes. Great Plains National Bank is an FDIC-insured institution (FDIC certificate #34207). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Great Plains National Bank's TellerScore?

62 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 Great Plains National Bank ever failed?

There is no failure record for FDIC certificate #34207 in the FDIC failed bank list.

How many branches does Great Plains National Bank have?

26 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Elk City

InstitutionScoreAssetsCapitalProblem loansCompare
The First National Bank & TrustBank Elk City, OK88 out of 100, Very strong$294.0M13.1%0.56%vs
Security State BankBank Cheyenne, OK77 out of 100, Strong$279.5M10.7%0.67%vs
Bank of Western OklahomaBank Elk City, OK73 out of 100, Strong$469.7M8.1%0.11%vs
Sovereign BankBank Shawnee, OK64 out of 100, Moderate$1.5B10.3%0.06%vs
InterBankBank Oklahoma City, OK62 out of 100, Moderate$5.3B11.1%1.56%vs
Washita State BankBank Burns Flat, OK53 out of 100, Below average$44.3M14.6%3.34%vs