The First Farmers National Bank of Waurika (FDIC certificate #4222) is based in Waurika, Oklahoma. Its Q2 2026 call report shows $55.5M in total assets and $47.1M in deposits and 1 office.
Based on its Q2 2026 filing, The First Farmers National Bank of Waurika scores 94/100, which we describe as very strong. That is higher than 96% of 546 banks with under $100 million in assets. Among 170 banks headquartered in Oklahoma, it ranks 5th. Its strongest component is capital cushion (100/100; 19.31%), and its lowest is funding & liquidity (78/100; 36% loans-to-deposits, 35% uninsured).
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 rose 3 points (91 → 94), mostly because the earnings component improved by 11 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 89 |
| Q3 2024 | 89 |
| Q4 2024 | 87 |
| Q1 2025 | 91 |
| Q2 2025 | 91 |
| Q3 2025 | 91 |
| Q4 2025 | 89 |
| Q1 2026 | 93 |
| Q2 2026 | 94 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 18.86% |
| Q3 2024 | 19.45% |
| Q4 2024 | 18.74% |
| Q1 2025 | 18.67% |
| Q2 2025 | 19.16% |
| Q3 2025 | 19.56% |
| Q4 2025 | 19.42% |
| Q1 2026 | 19.16% |
| Q2 2026 | 19.31% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.25% |
| Q3 2024 | 0.20% |
| Q4 2024 | 0.08% |
| Q1 2025 | 0.05% |
| Q2 2025 | 0.04% |
| Q3 2025 | 0.04% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.22% |
| Q3 2024 | 1.23% |
| Q4 2024 | 1.03% |
| Q1 2025 | 1.41% |
| Q2 2025 | 1.36% |
| Q3 2025 | 1.32% |
| Q4 2025 | 1.10% |
| Q1 2026 | 1.61% |
| Q2 2026 | 1.62% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 94 | $55.5M | 19.31% | 0.00% | 1.62% | 35.8% |
| Q1 2026 | 93 | $58.0M | 19.16% | 0.00% | 1.61% | 42.3% |
| Q4 2025 | 89 | $57.2M | 19.42% | 0.00% | 1.10% | 45.5% |
| Q3 2025 | 91 | $54.8M | 19.56% | 0.04% | 1.32% | 34.3% |
| Q2 2025 | 91 | $52.8M | 19.16% | 0.04% | 1.36% | 33.8% |
| Q1 2025 | 91 | $55.0M | 18.67% | 0.05% | 1.41% | 49.0% |
| Q4 2024 | 87 | $56.4M | 18.74% | 0.08% | 1.03% | 38.2% |
| Q3 2024 | 89 | $52.6M | 19.45% | 0.20% | 1.23% | 27.5% |
| Q2 2024 | 89 | $51.8M | 18.86% | 0.25% | 1.22% | 29.2% |
546 peers · Under $100 million in assets
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 |
|---|---|---|---|---|---|
| The First State Bank of Pond Creek, OklahomaBank Pond Creek, OK | 83 out of 100, Strong | $55.5M | 12.8% | 0.32% | vs |
| Lakeside Bank of SalinaBank Salina, OK | 56 out of 100, Moderate | $54.6M | 11.2% | 3.32% | vs |
| Farmers State Bank, Allen, OklahomaBank Allen, OK | 86 out of 100, Very strong | $57.2M | 13.5% | 0.61% | vs |
| First Bank and Trust CompanyBank Clinton, OK | 96 out of 100, Very strong | $58.2M | 16.7% | 0.02% | vs |
| Grant County BankBank Medford, OK | 81 out of 100, Strong | $58.4M | 15.6% | 0.12% | vs |
| Bank360Bank Cordell, OK | 42 out of 100, Below average | $61.0M | 9.4% | 3.97% | vs |
Deposit insurance
Is my money safe at The First Farmers National Bank of Waurika?
Yes. The First Farmers National Bank of Waurika is an FDIC-insured institution (FDIC certificate #4222). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 35.2% of deposits ($16.6M) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 19.31%, 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 Farmers National Bank of Waurika lists 1 office in 1 city. Most locations:
- Waurika, OK (1)
Identity & history
Profile
- Legal name
- The First Farmers National Bank of Waurika
- Former names
- The Farmers National Bank of Waurika
- Type
- National bank
- FDIC certificate #
- 4222
- RSSD ID
- 353957
- Primary regulator
- OCC
- Established
- March 26, 1906
- Headquarters
- 319 E D Ave, Waurika, OK 73573
- Website
- www.ffnbank.com
- Employees
- 11
Quick answers
The First Farmers National Bank of Waurika: common questions
Is The First Farmers National Bank of Waurika FDIC insured?
Yes. The First Farmers National Bank of Waurika is an FDIC-insured institution (FDIC certificate #4222). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The First Farmers National Bank of Waurika's TellerScore?
94 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 Farmers National Bank of Waurika ever failed?
There is no failure record for FDIC certificate #4222 in the FDIC failed bank list.
How many branches does The First Farmers National Bank of Waurika have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Waurika
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Walters Bank and Trust CompanyBank Walters, OK | 99 out of 100, Very strong | $70.3M | 20.0% | 0.06% | vs |
| First National Bank and Trust Company of ArdmoreBank Ardmore, OK | 79 out of 100, Strong | $686.7M | 10.1% | 0.03% | vs |
| American Nation BankBank Ardmore, OK | 76 out of 100, Strong | $691.5M | 10.3% | 0.06% | vs |
| The First National Bank in MarlowBank Marlow, OK | 73 out of 100, Strong | $71.8M | 8.2% | 0.00% | vs |
| Prosperity BankBank El Campo, TX | 71 out of 100, Strong | $43.9B | 10.6% | 0.48% | vs |
| First State Bank in TempleBank Temple, OK | 64 out of 100, Moderate | $26.4M | 22.2% | 8.60% | vs |