TellerScore

The City National Bank and Trust Company of Lawton, Oklahoma is a national bank headquartered in Lawton, Oklahoma, in business for about 125 years. At the end of Q2 2026 it reported $446.2M in total assets and $373.9M in deposits, with 39 offices across 2 states.

Based on its Q2 2026 filing, The City National Bank and Trust Company of Lawton, Oklahoma scores 83/100, which we describe as strong. That is higher than 84% of 2,650 banks with $100 million – $1 billion. Among 170 banks headquartered in Oklahoma, it ranks 25th. Its strongest component is capital cushion (89/100; 13.87%), and its lowest is problem-loan coverage (64/100; 17.8%).

TellerScore · Q2 2026

Scorecard

Capital cushion89/100
Tier 1 leverage ratio: 13.87%
Loan quality85/100
Noncurrent loans ÷ total loans: 0.45%
Earnings86/100
Return on assets (annualized): 1.66%
Funding & liquidity74/100
Loans ÷ deposits and uninsured-deposit share: 79.2% · 21.6% uninsured
Problem-loan coverage64/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 17.79%

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

From Q2 2025 to Q2 2026, the score rose 5 points (78 → 83), mostly because the earnings component improved by 9 points.

TellerScore
737883Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202476
Q3 202473
Q4 202475
Q1 202573
Q2 202578
Q3 202580
Q4 202582
Q1 202678
Q2 202683
Tier 1 leverage ratio
5.00%9.50%13.99%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202413.21%
Q3 202413.23%
Q4 202413.46%
Q1 202513.63%
Q2 202513.58%
Q3 202513.57%
Q4 202513.90%
Q1 202613.99%
Q2 202613.87%
Noncurrent loans
0.45%0.76%1.07%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.72%
Q3 20241.07%
Q4 20241.03%
Q1 20250.99%
Q2 20250.62%
Q3 20250.57%
Q4 20250.60%
Q1 20260.85%
Q2 20260.45%
Return on assets
1.24%1.50%1.76%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.51%
Q3 20241.56%
Q4 20241.58%
Q1 20251.24%
Q2 20251.42%
Q3 20251.56%
Q4 20251.76%
Q1 20261.46%
Q2 20261.66%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202683$446.2M13.87%0.45%1.66%79.2%
Q1 202678$445.1M13.99%0.85%1.46%79.0%
Q4 202582$434.8M13.90%0.60%1.76%82.1%
Q3 202580$442.9M13.57%0.57%1.56%81.4%
Q2 202578$448.5M13.58%0.62%1.42%82.4%
Q1 202573$446.7M13.63%0.99%1.24%84.0%
Q4 202475$428.3M13.46%1.03%1.58%91.0%
Q3 202473$439.9M13.23%1.07%1.56%86.0%
Q2 202476$441.1M13.21%0.72%1.51%86.7%

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).

Capital ratio13.87%
81st
Total risk-based capital0.00%
24th
Problem loans0.45%
48th
Net charge-offs0.61%
4th
Return on assets1.66%
74th
Net interest margin4.08%
58th
Efficiency ratio82.1%
12th
Loans to deposits79.2%
51st
Uninsured deposits21.6%
58th
Loan-loss reserves1.90%
92nd
Texas ratio17.8%
8th

Similar-size banks in Oklahoma

InstitutionScoreAssetsCapitalProblem loansCompare
Welch State Bank of Welch, Okla.Bank Welch, OK76 out of 100, Strong$449.8M10.2%0.36%vs
Watermark BankBank Oklahoma City, OK81 out of 100, Strong$450.5M13.3%0.00%vs
The Citizens Bank of EdmondBank Edmond, OK57 out of 100, Moderate$432.4M8.5%0.63%vs
Local BankBank Hulbert, OK66 out of 100, Moderate$463.1M11.4%0.52%vs
Exchange Bank and Trust CompanyBank Perry, OK65 out of 100, Moderate$428.7M10.8%1.59%vs
Bank of Western OklahomaBank Elk City, OK73 out of 100, Strong$469.7M8.1%0.11%vs

Deposit insurance

Is my money safe at The City National Bank and Trust Company of Lawton, Oklahoma?

Yes. The City National Bank and Trust Company of Lawton, Oklahoma is an FDIC-insured institution (FDIC certificate #4132). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 21.6% of deposits ($80.6M) 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 13.87%, 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%).

Check how much of your own balance is covered

39 locations

Branches

The City National Bank and Trust Company of Lawton, Oklahoma lists 39 offices in 20 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, The City National Bank and Trust Company of Lawton, Oklahoma reported 109 home-loan applications under HMDA (LEI 549300RYQVJMZ3X21K04): 36 originated ($9,200,000 total), 31 denied, and 34 withdrawn or closed by the applicant. Its denial rate on decided applications was 41.3%, 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
The City National Bank and Trust Company of Lawton, Oklahoma
Former names
The City National Bank of Lawton
Type
National bank
FDIC certificate #
4132
RSSD ID
294751
Primary regulator
OCC
Holding company
Jrmb II Inc
Established
March 23, 1901
Headquarters
500 Montgomery Sq, Lawton, OK 73501
Employees
342

Quick answers

The City National Bank and Trust Company of Lawton, Oklahoma: common questions

Is The City National Bank and Trust Company of Lawton, Oklahoma FDIC insured?

Yes. The City National Bank and Trust Company of Lawton, Oklahoma is an FDIC-insured institution (FDIC certificate #4132). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The City National Bank and Trust Company of Lawton, Oklahoma's TellerScore?

83 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 The City National Bank and Trust Company of Lawton, Oklahoma ever failed?

There is no failure record for FDIC certificate #4132 in the FDIC failed bank list.

How many branches does The City National Bank and Trust Company of Lawton, Oklahoma have?

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

Nearby

Highest-scoring banks and credit unions with branches near Lawton

InstitutionScoreAssetsCapitalProblem loansCompare
Walters Bank and Trust CompanyBank Walters, OK99 out of 100, Very strong$70.3M20.0%0.06%vs
FSNB, National AssociationBank Lawton, OK96 out of 100, Very strong$478.3M17.5%0.36%vs
Comanche County Federal Credit UnionCredit union Lawton, OK96 out of 100, Very strong$36.4M18.8%0.00%vs
Southwest Oklahoma Federal Credit UnionCredit union Lawton, OK89 out of 100, Very strong$116.4M19.3%0.88%vs
International Bank of CommerceBank Oklahoma City, OK88 out of 100, Very strong$1.6B15.5%0.66%vs
Liberty National BankBank Lawton, OK84 out of 100, Strong$1.3B10.3%0.02%vs