TellerScore

Headquartered in Poteau, Oklahoma, Monument Bank is a state-chartered bank (fed member) with $112.8M in total assets and $91.7M in deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1910.

Monument Bank has a TellerScore of 76 out of 100 (strong) based on Q2 2026 data — higher than 64% of its 2,650 banks with $100 million – $1 billion. Among 170 banks headquartered in Oklahoma, it ranks 62nd. Problem-loan coverage contributes the most (96/100, 2.0%); capital cushion contributes the least (49/100, 9.89%).

TellerScore · Q2 2026

Scorecard

Capital cushion49/100
Tier 1 leverage ratio: 9.89%
Loan quality91/100
Noncurrent loans ÷ total loans: 0.27%
Earnings90/100
Return on assets (annualized): 1.74%
Funding & liquidity72/100
Loans ÷ deposits and uninsured-deposit share: 88.7% · 12.6% uninsured
Problem-loan coverage96/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.97%

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 → 76).

TellerScore
647178Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202466
Q3 202464
Q4 202468
Q1 202578
Q2 202577
Q3 202569
Q4 202567
Q1 202675
Q2 202676
Tier 1 leverage ratio
5.00%7.64%10.29%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 20249.53%
Q3 20249.81%
Q4 20249.37%
Q1 20259.74%
Q2 202510.13%
Q3 202510.29%
Q4 20259.21%
Q1 20269.65%
Q2 20269.89%
Noncurrent loans
0.14%0.67%1.20%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.77%
Q3 20241.19%
Q4 20240.83%
Q1 20250.14%
Q2 20250.31%
Q3 20251.20%
Q4 20250.86%
Q1 20260.26%
Q2 20260.27%
Return on assets
1.27%1.52%1.77%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20241.27%
Q3 20241.41%
Q4 20241.48%
Q1 20251.77%
Q2 20251.66%
Q3 20251.56%
Q4 20251.56%
Q1 20261.61%
Q2 20261.74%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202676$112.8M9.89%0.27%1.74%88.7%
Q1 202675$103.9M9.65%0.26%1.61%77.3%
Q4 202567$101.5M9.21%0.86%1.56%82.5%
Q3 202569$105.7M10.29%1.20%1.56%74.6%
Q2 202577$103.0M10.13%0.31%1.66%77.4%
Q1 202578$103.8M9.74%0.14%1.77%75.1%
Q4 202468$101.8M9.37%0.83%1.48%81.2%
Q3 202464$101.2M9.81%1.19%1.41%84.2%
Q2 202466$98.9M9.53%0.77%1.27%85.3%

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).

Capital ratio9.89%
29th
Total risk-based capital0.00%
24th
Problem loans0.27%
59th
Net charge-offs-0.06%
97th
Return on assets1.74%
78th
Net interest margin6.56%
99th
Efficiency ratio65.9%
39th
Loans to deposits88.7%
29th
Uninsured deposits12.6%
88th
Loan-loss reserves1.07%
34th
Texas ratio2.0%
58th

Similar-size banks in Oklahoma

InstitutionScoreAssetsCapitalProblem loansCompare
Great Nations BankBank Norman, OK70 out of 100, Strong$113.8M10.3%0.10%vs
The State Bank of WynnewoodBank Wynnewood, OK97 out of 100, Very strong$111.4M15.6%0.00%vs
First BankBank Erick, OK93 out of 100, Very strong$118.0M14.2%0.27%vs
The Farmers and Merchants National Bank of FairviewBank Fairview, OK66 out of 100, Moderate$118.7M12.2%1.67%vs
Community BankBank Bristow, OK71 out of 100, Strong$119.1M10.1%0.86%vs
American Exchange BankBank Henryetta, OK78 out of 100, Strong$103.7M13.5%1.32%vs

Deposit insurance

Is my money safe at Monument Bank?

Yes. Monument Bank is an FDIC-insured institution (FDIC certificate #4111). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 12.6% of deposits ($11.6M) 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 9.89%, 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

Monument Bank lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Monument Bank
Former names
First National Bank; The First National Bank of Heavener
Type
State-chartered bank (Fed member)
FDIC certificate #
4111
RSSD ID
195456
Primary regulator
FED
Holding company
Sooner Sw Bankshares Inc
Established
January 1, 1910
Headquarters
3104 N Broadway St, Poteau, OK 74953
Employees
30

Quick answers

Monument Bank: common questions

Is Monument Bank FDIC insured?

Yes. Monument Bank is an FDIC-insured institution (FDIC certificate #4111). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Monument Bank's TellerScore?

76 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 Monument Bank ever failed?

There is no failure record for FDIC certificate #4111 in the FDIC failed bank list.

How many branches does Monument Bank have?

3 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Poteau

InstitutionScoreAssetsCapitalProblem loansCompare
First Security BankBank Searcy, AR92 out of 100, Very strong$8.6B15.6%0.14%vs
Farmers BankBank Greenwood, AR90 out of 100, Very strong$288.7M16.2%0.20%vs
Fort Smith Teachers Federal Credit UnionCredit union Fort Smith, AR89 out of 100, Very strong$13.1M23.6%0.31%vs
Arkansas Best Federal Credit UnionCredit union Fort Smith, AR84 out of 100, Strong$144.0M16.3%0.62%vs
Chambers BankBank Danville, AR81 out of 100, Strong$1.6B12.6%0.23%vs
SSB BankBank Spiro, OK80 out of 100, Strong$129.9M17.0%0.09%vs