The First Bank of Okarche is a state-chartered bank headquartered in Okarche, Oklahoma, in business for about 134 years. At the end of Q2 2026 it reported $137.5M in total assets and $114.1M in deposits, with 1 office.
The First Bank of Okarche has a TellerScore of 89 out of 100 (very strong) based on Q2 2026 data — higher than 94% of its 2,650 banks with $100 million – $1 billion. Among 170 banks headquartered in Oklahoma, it ranks 12th. Capital cushion contributes the most (100/100, 16.13%); loan quality contributes the least (65/100, 1.04%).
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
From Q2 2025 to Q2 2026, the score fell 8 points (97 → 89), mostly because the loan quality component weakened by 35 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 93 |
| Q3 2024 | 95 |
| Q4 2024 | 94 |
| Q1 2025 | 95 |
| Q2 2025 | 97 |
| Q3 2025 | 98 |
| Q4 2025 | 98 |
| Q1 2026 | 91 |
| Q2 2026 | 89 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 13.73% |
| Q3 2024 | 14.23% |
| Q4 2024 | 13.88% |
| Q1 2025 | 14.24% |
| Q2 2025 | 14.62% |
| Q3 2025 | 15.00% |
| Q4 2025 | 15.09% |
| Q1 2026 | 15.88% |
| Q2 2026 | 16.13% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.10% |
| Q3 2024 | 0.12% |
| Q4 2024 | 0.09% |
| Q1 2025 | 0.06% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.01% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.84% |
| Q2 2026 | 1.04% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 2.74% |
| Q3 2024 | 2.59% |
| Q4 2024 | 2.45% |
| Q1 2025 | 2.41% |
| Q2 2025 | 2.46% |
| Q3 2025 | 2.49% |
| Q4 2025 | 2.41% |
| Q1 2026 | 2.46% |
| Q2 2026 | 2.34% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 89 | $137.5M | 16.13% | 1.04% | 2.34% | 37.0% |
| Q1 2026 | 91 | $138.1M | 15.88% | 0.84% | 2.46% | 46.6% |
| Q4 2025 | 98 | $137.7M | 15.09% | 0.00% | 2.41% | 50.5% |
| Q3 2025 | 98 | $139.6M | 15.00% | 0.01% | 2.49% | 36.6% |
| Q2 2025 | 97 | $139.3M | 14.62% | 0.00% | 2.46% | 36.6% |
| Q1 2025 | 95 | $137.3M | 14.24% | 0.06% | 2.41% | 43.1% |
| Q4 2024 | 94 | $135.4M | 13.88% | 0.09% | 2.45% | 42.3% |
| Q3 2024 | 95 | $135.1M | 14.23% | 0.12% | 2.59% | 33.8% |
| Q2 2024 | 93 | $136.5M | 13.73% | 0.10% | 2.74% | 35.1% |
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 |
|---|---|---|---|---|---|
| Security First National Bank of HugoBank Hugo, OK | 48 out of 100, Below average | $137.7M | 10.4% | 4.15% | vs |
| ACB BankBank Cherokee, OK | 64 out of 100, Moderate | $135.5M | 12.2% | 1.77% | vs |
| First State BankBank Anadarko, OK | 74 out of 100, Strong | $139.6M | 11.2% | 0.34% | vs |
| The Farmers BankBank Carnegie, OK | 69 out of 100, Moderate | $139.6M | 11.6% | 0.32% | vs |
| SSB BankBank Spiro, OK | 80 out of 100, Strong | $129.9M | 17.0% | 0.09% | vs |
| SNB Bank, National AssociationBank Shattuck, OK | 36 out of 100, Low | $129.4M | 11.8% | 6.18% | vs |
Deposit insurance
Is my money safe at The First Bank of Okarche?
Yes. The First Bank of Okarche is an FDIC-insured institution (FDIC certificate #1165). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 25.7% of deposits ($29.3M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 16.13%, 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%).
1 location
Branches
The First Bank of Okarche lists 1 office in 1 city. Most locations:
- Okarche, OK (1)
Identity & history
Profile
- Legal name
- The First Bank of Okarche
- Type
- State-chartered bank
- FDIC certificate #
- 1165
- RSSD ID
- 918150
- Primary regulator
- FDIC
- Established
- October 28, 1892
- Headquarters
- 203 W Oklahoma, Okarche, OK 73762
- Website
- www.firstbankokarche.com
- Employees
- 8
Quick answers
The First Bank of Okarche: common questions
Is The First Bank of Okarche FDIC insured?
Yes. The First Bank of Okarche is an FDIC-insured institution (FDIC certificate #1165). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The First Bank of Okarche's TellerScore?
89 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 The First Bank of Okarche ever failed?
There is no failure record for FDIC certificate #1165 in the FDIC failed bank list.
How many branches does The First Bank of Okarche have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Okarche
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Correctional Workers Federal Credit UnionCredit union El Reno, OK | 88 out of 100, Very strong | $10.5M | 17.9% | 0.19% | vs |
| International Bank of CommerceBank Oklahoma City, OK | 88 out of 100, Very strong | $1.6B | 15.5% | 0.66% | vs |
| Bank 7Bank Oklahoma City, OK | 86 out of 100, Very strong | $1.9B | 13.9% | 0.39% | 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 |
| Tinker Federal Credit UnionCredit union Oklahoma City, OK | 83 out of 100, Strong | $6.1B | 14.7% | 0.63% | vs |
| Shamrock Bank, N.A.Bank Coalgate, OK | 79 out of 100, Strong | $501.5M | 10.8% | 0.29% | vs |