The First National Bank of Fletcher (FDIC certificate #4098) is based in Fletcher, Oklahoma. Its Q2 2026 call report shows $23.4M in total assets and $21.2M in deposits and 2 offices.
The First National Bank of Fletcher has a TellerScore of 65 out of 100 (moderate) based on Q2 2026 data — higher than only 26% of its 546 banks with under $100 million in assets. Among 170 banks headquartered in Oklahoma, it ranks 111th. Problem-loan coverage contributes the most (96/100, 1.9%); capital cushion contributes the least (49/100, 9.93%).
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 6 points (71 → 65), mostly because the loan quality component weakened by 16 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 76 |
| Q3 2024 | 75 |
| Q4 2024 | 72 |
| Q1 2025 | 67 |
| Q2 2025 | 71 |
| Q3 2025 | 77 |
| Q4 2025 | 73 |
| Q1 2026 | 74 |
| Q2 2026 | 65 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.30% |
| Q3 2024 | 10.41% |
| Q4 2024 | 10.03% |
| Q1 2025 | 9.84% |
| Q2 2025 | 9.73% |
| Q3 2025 | 10.15% |
| Q4 2025 | 9.72% |
| Q1 2026 | 9.87% |
| Q2 2026 | 9.93% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.09% |
| Q4 2024 | 0.15% |
| Q1 2025 | 0.89% |
| Q2 2025 | 0.61% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 1.07% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.78% |
| Q3 2024 | 0.73% |
| Q4 2024 | 0.50% |
| Q1 2025 | 0.87% |
| Q2 2025 | 1.02% |
| Q3 2025 | 1.00% |
| Q4 2025 | 0.61% |
| Q1 2026 | 0.89% |
| Q2 2026 | 0.86% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 65 | $23.4M | 9.93% | 1.07% | 0.86% | 18.6% |
| Q1 2026 | 74 | $23.0M | 9.87% | 0.00% | 0.89% | 19.3% |
| Q4 2025 | 73 | $22.2M | 9.72% | 0.00% | 0.61% | 20.6% |
| Q3 2025 | 77 | $23.1M | 10.15% | 0.00% | 1.00% | 19.8% |
| Q2 2025 | 71 | $24.3M | 9.73% | 0.61% | 1.02% | 18.2% |
| Q1 2025 | 67 | $23.7M | 9.84% | 0.89% | 0.87% | 18.2% |
| Q4 2024 | 72 | $21.5M | 10.03% | 0.15% | 0.50% | 18.7% |
| Q3 2024 | 75 | $21.9M | 10.41% | 0.09% | 0.73% | 20.6% |
| Q2 2024 | 76 | $22.2M | 10.30% | 0.00% | 0.78% | 20.8% |
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 |
|---|---|---|---|---|---|
| Farmers and Merchants BankBank Maysville, OK | 71 out of 100, Strong | $22.0M | 10.9% | 1.61% | vs |
| Farmers & Merchants BankBank Duke, OK | 79 out of 100, Strong | $20.5M | 11.3% | 0.00% | vs |
| First State Bank in TempleBank Temple, OK | 64 out of 100, Moderate | $26.4M | 22.2% | 8.60% | vs |
| Bank of ViciBank Vici, OK | 30 out of 100, Low | $28.9M | 10.2% | 12.31% | vs |
| The Hopeton State BankBank Hopeton, OK | 66 out of 100, Moderate | $30.8M | 11.3% | 0.00% | vs |
| Peoples State BankBank Blair, OK | 85 out of 100, Very strong | $13.9M | 13.0% | 0.00% | vs |
Deposit insurance
Is my money safe at The First National Bank of Fletcher?
Yes. The First National Bank of Fletcher is an FDIC-insured institution (FDIC certificate #4098). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 22.5% of deposits ($4.8M) 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 9.93%, 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%).
2 locations
Branches
The First National Bank of Fletcher lists 1 office in 1 city. Most locations:
- Fletcher, OK (1)
Identity & history
Profile
- Legal name
- The First National Bank of Fletcher
- Type
- National bank
- FDIC certificate #
- 4098
- RSSD ID
- 185251
- Primary regulator
- OCC
- Holding company
- Griffith Family Finl Holdings L L C
- Established
- November 13, 1902
- Headquarters
- 401 West Cole Ave, Fletcher, OK 73541
- Website
- fletcherbank.com
- Employees
- 7
Quick answers
The First National Bank of Fletcher: common questions
Is The First National Bank of Fletcher FDIC insured?
Yes. The First National Bank of Fletcher is an FDIC-insured institution (FDIC certificate #4098). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The First National Bank of Fletcher's TellerScore?
65 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 The First National Bank of Fletcher ever failed?
There is no failure record for FDIC certificate #4098 in the FDIC failed bank list.
How many branches does The First National Bank of Fletcher have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Fletcher
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| FSNB, National AssociationBank Lawton, OK | 96 out of 100, Very strong | $478.3M | 17.5% | 0.36% | vs |
| Comanche County Federal Credit UnionCredit union Lawton, OK | 96 out of 100, Very strong | $36.4M | 18.8% | 0.00% | vs |
| Southwest Oklahoma Federal Credit UnionCredit union Lawton, OK | 89 out of 100, Very strong | $116.4M | 19.3% | 0.88% | vs |
| International Bank of CommerceBank Oklahoma City, OK | 88 out of 100, Very strong | $1.6B | 15.5% | 0.66% | vs |
| Liberty National BankBank Lawton, OK | 84 out of 100, Strong | $1.3B | 10.3% | 0.02% | 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 |