TellerScore

Patrons Bank, National Association (FDIC certificate #4170) is based in Okmulgee, Oklahoma. Its Q2 2026 call report shows $314.5M in total assets and $275.4M in deposits and 5 offices.

Based on its Q2 2026 filing, Patrons Bank, National Association scores 69/100, which we describe as moderate. That is higher than only 40% of 2,650 banks with $100 million – $1 billion. Among 170 banks headquartered in Oklahoma, it ranks 90th. Its strongest component is problem-loan coverage (90/100; 4.9%), and its lowest is capital cushion (58/100; 10.77%).

TellerScore · Q2 2026

Scorecard

Capital cushion58/100
Tier 1 leverage ratio: 10.77%
Loan quality73/100
Noncurrent loans ÷ total loans: 0.80%
Earnings63/100
Return on assets (annualized): 1.08%
Funding & liquidity79/100
Loans ÷ deposits and uninsured-deposit share: 68.2% · 27.2% uninsured
Problem-loan coverage90/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 4.94%

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 (70 → 69).

TellerScore
666972Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202466
Q3 202467
Q4 202469
Q1 202572
Q2 202570
Q3 202568
Q4 202567
Q1 202668
Q2 202669
Tier 1 leverage ratio
5.00%8.41%11.83%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.50%
Q3 202411.58%
Q4 202411.65%
Q1 202511.83%
Q2 202511.75%
Q3 202511.52%
Q4 202511.00%
Q1 202611.06%
Q2 202610.77%
Noncurrent loans
0.80%1.11%1.42%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.42%
Q3 20241.36%
Q4 20241.31%
Q1 20251.20%
Q2 20251.28%
Q3 20251.23%
Q4 20251.06%
Q1 20260.99%
Q2 20260.80%
Return on assets
0.98%1.13%1.29%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.99%
Q3 20240.98%
Q4 20241.23%
Q1 20251.29%
Q2 20251.24%
Q3 20251.09%
Q4 20250.98%
Q1 20261.02%
Q2 20261.08%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202669$314.5M10.77%0.80%1.08%68.2%
Q1 202668$302.0M11.06%0.99%1.02%67.8%
Q4 202567$298.2M11.00%1.06%0.98%65.9%
Q3 202568$294.2M11.52%1.23%1.09%59.5%
Q2 202570$287.6M11.75%1.28%1.24%60.9%
Q1 202572$288.5M11.83%1.20%1.29%59.6%
Q4 202469$281.7M11.65%1.31%1.23%65.0%
Q3 202467$286.2M11.58%1.36%0.98%64.2%
Q2 202466$284.5M11.50%1.42%0.99%61.9%

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 ratio10.77%
46th
Total risk-based capital14.23%
63rd
Problem loans0.80%
33rd
Net charge-offs-0.31%
99th
Return on assets1.08%
39th
Net interest margin4.26%
68th
Efficiency ratio75.8%
19th
Loans to deposits68.2%
72nd
Uninsured deposits27.2%
38th
Loan-loss reserves1.62%
84th
Texas ratio4.9%
36th

Similar-size banks in Oklahoma

InstitutionScoreAssetsCapitalProblem loansCompare
The Payne County BankBank Perkins, OK83 out of 100, Strong$313.2M14.4%1.09%vs
First Bethany Bank & TrustBank Bethany, OK71 out of 100, Strong$316.8M9.1%0.18%vs
The Bankers BankBank Oklahoma City, OK54 out of 100, Below average$310.5M12.7%1.93%vs
Citizens Bank and Trust Company of ArdmoreBank Ardmore, OK78 out of 100, Strong$318.8M10.6%0.00%vs
American Bank and Trust CompanyBank Tulsa, OK60 out of 100, Moderate$324.4M15.3%6.26%vs
Valor BankBank Edmond, OK71 out of 100, Strong$302.6M8.7%0.32%vs

Deposit insurance

Is my money safe at Patrons Bank, National Association?

Yes. Patrons Bank, National Association is an FDIC-insured institution (FDIC certificate #4170). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 27.2% of deposits ($74.9M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.77%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.23% (benchmark: 10%).

Check how much of your own balance is covered

5 locations

Branches

Patrons Bank, National Association lists 5 offices in 4 cities. Most locations:

  • Okmulgee, OK (2)
  • Bixby, OK (1)
  • Henryetta, OK (1)
  • Wewoka, OK (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Patrons Bank, National Association reported 100 home-loan applications under HMDA (LEI 549300E8JTSHNU1K4K92): 82 originated ($23,430,000 total), 8 denied, and 4 withdrawn or closed by the applicant. Its denial rate on decided applications was 8.3%, 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
Patrons Bank, National Association
Former names
The First National Bank and Trust Company of Okmulgee; The Central National Bank of Okmulgee
Type
National bank
FDIC certificate #
4170
RSSD ID
634955
Primary regulator
OCC
Holding company
First Okmulgee Corp
Established
April 2, 1917
Headquarters
610 E 8th St, Okmulgee, OK 74447
Employees
71

Quick answers

Patrons Bank, National Association: common questions

Is Patrons Bank, National Association FDIC insured?

Yes. Patrons Bank, National Association is an FDIC-insured institution (FDIC certificate #4170). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Patrons Bank, National Association's TellerScore?

69 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 Patrons Bank, National Association ever failed?

There is no failure record for FDIC certificate #4170 in the FDIC failed bank list.

How many branches does Patrons Bank, National Association have?

5 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Okmulgee

InstitutionScoreAssetsCapitalProblem loansCompare
American Exchange BankBank Henryetta, OK78 out of 100, Strong$103.7M13.5%1.32%vs
Western Sun Federal Credit UnionCredit union Broken Arrow, OK73 out of 100, Strong$181.5M17.6%0.71%vs
American Heritage BankBank Sapulpa, OK71 out of 100, Strong$1.5B9.6%0.21%vs
BancFirstBank Oklahoma City, OK71 out of 100, Strong$12.8B10.6%1.19%vs
First Family Federal Credit UnionCredit union Henryetta, OK68 out of 100, Moderate$154.4M11.6%0.62%vs
Mabrey BankBank Bixby, OK63 out of 100, Moderate$2.0B8.5%0.41%vs