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First Texoma National Bank

$100M-$1B Specialty: Commercial OK FDIC cert 13905

Durant, OK

5 branches across OK · TX

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 106 in OK.
  • Deposits +0.4% year over year ($202.3M on the books).
  • Delinquency rate 3.43%.
  • Return on assets 1.14%.
  • Efficiency ratio 70.09% vs a 64.48% peer average.
  • Loan-to-deposit ratio 74.23% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 106 in OK
View $100M-$1B leaderboard (OK) →

First Texoma National Bank has 1 strength but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Deposit Franchise: Top 13.7% in tier

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 2.2% in tier
  • - Nonperforming Asset Ratio 1.70% above tier average
  • - ROA 0.18% below tier average
  • - Efficiency Ratio 5.61% above tier average
Get updates when First Texoma National Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Total Assets ? $225.4M
+1.1% YoY +0.1% QoQ
-$161.2M $386.6M
+1.2% YoY
$1.3B
+6.0% YoY
$6.3B
+7.7% YoY
32%
Total Loans ? $150.2M
+1.3% YoY -1.3% QoQ
-$108.2M $258.3M
+1.7% YoY
$835.5M
+7.1% YoY
$3.2B
+9.4% YoY
35%
Total Deposits ? $202.3M
+0.4% YoY -0.1% QoQ
-$124.4M $326.7M
+0.7% YoY
$967.8M
+5.8% YoY
$4.9B
+7.3% YoY
35%
Return on Assets ? 1.14%
+19.4% YoY -7.2% QoQ
-0.18% 1.32%
+10.8% YoY
1.35%
+7.7% YoY
1.30%
+12.1% YoY
44%
Net Interest Margin ? 4.99%
+7.8% YoY +0.5% QoQ
+1.01% 3.99%
+5.0% YoY
4.27%
+1.9% YoY
3.95%
+4.9% YoY
Top 8.1% in tier
Efficiency Ratio ? 70.09%
-2.7% YoY +1.1% QoQ
+5.61% 64.48%
-3.2% YoY
64.81%
-3.0% YoY
70.05%
+2.5% YoY
30%
Delinquency Rate ? 3.43%
+3.9% YoY +1.4% QoQ
+2.51% 0.92%
+15.7% YoY
1.78%
+23.7% YoY
0.98%
+16.3% YoY
Bottom 5.0% in tier
Loan-to-Deposit Ratio ? 74.23%
+0.9% YoY -1.2% QoQ
-3.72% 77.95%
+1.0% YoY
74.14%
+1.3% YoY
79.03%
+2.3% YoY
62%
Non-Interest-Bearing Deposit Share ? 40.91%
+1.8% YoY +1.3% QoQ
+18.88% 22.03%
-0.6% YoY
23.91%
-1.8% YoY
21.98%
-0.6% YoY
Top 4.0% in tier
Nonperforming Asset Ratio ? 2.37%
+8.1% YoY +3.8% QoQ
+1.70% 0.67%
+16.4% YoY
1.24%
+23.1% YoY
0.69%
+15.8% YoY
Bottom 5.2% in tier
Tier 1 Capital Ratio ? 11.60%
-30.6% YoY +0.7% QoQ
-4.31% 15.91%
+1.4% YoY
14.18%
-3.9% YoY
17.09%
+0.8% YoY
31%
Non-Interest Income / Assets ? 0.25%
-4.3% YoY +99.5% QoQ
-0.32% 0.57%
+7.6% YoY
0.31%
-11.7% YoY
0.66%
+5.2% YoY
63%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Noninterest-Bearing 40.9%
+0.7pp YoY
+0.5pp QoQ
 +18.8pp 22.1% 23.9% 22.2% 96%
Brokered Deposits n/a n/a 7.9% 9.7% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
C&I 7.3%
+0.5pp YoY
-0.1pp QoQ
 -4.2pp 11.6% 15.7% 12.5% 35%
CRE 36.9%
+0.9pp YoY
0.0pp QoQ
 -2.6pp 39.5% 42.0% 41.4% 47%
1-4 Family 40.8%
+1.0pp YoY
+0.1pp QoQ
 +8.2pp 32.6% 24.0% 31.3% 71%
Consumer 5.6%
-0.9pp YoY
-0.3pp QoQ
 +1.5pp 4.1% 5.6% 5.0% 81%

Capital

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 17.0% 19.7% n/a
Leverage Ratio 11.6%
+0.1pp YoY
+0.1pp QoQ
 -0.6pp 12.2% 11.7% 12.6% 60%
Total Capital Ratio n/a n/a 19.9% 18.2% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Full-Time Employees 58
-3 (-4.9%) YoY
-2 (-3.3%) QoQ
 -1 58 150 482 61%
Assets per Employee ($) $3.9M
+6.3% YoY
+3.5% QoQ
 -$3.6M $7.5M $6.5M $8.8M 4%
Branch Count 5
0 YoY
0 QoQ
 0 4 8 18 55%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.9% 0.4% n/a
Nonaccrual 3.4%
+0.1pp YoY
0.0pp QoQ
 +2.5pp 0.9% 1.5% 1.0% 95%
Allowance Coverage 0.40x
-6.0% YoY
-2.1% QoQ
 -23.75x 24.15x 61.99x 20.23x 6%
Net Charge-off Rate (YTD) 0.2%
0.0pp YoY
+0.1pp QoQ
 +0.1pp 0.1% 0.2% 0.2% 87%

Profitability

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
ROE 11.5%
+1.0pp YoY
-0.9pp QoQ
 -0.7pp 12.2% 11.9% 11.6% 46%
Cost of Funds (YTD) 0.8%
-0.2pp YoY
0.0pp QoQ
 -0.9pp 1.7% 1.8% 1.7% 6%
Net Income ($, YTD) $1.3M
+19.4% YoY
— QoQ
 -$1.3M $2.6M $8.7M $40.4M 35%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Deposit Franchise

growth
#39 of 278 • Top 13.7% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 40.91%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 4.99%
(Tier: 3.99%, National: 3.95%)
better than tier avg
278 of 278 Community banks match · 368 nationally
→ Stable -1 banks QoQ | QoQ rank improving

Concerns (1)

Credit Risk Growth

risk
#22 of 936 • Bottom 2.2% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

108
Non-Interest-Bearing Deposit Share
funding
Value: 40.91%
Peer Median: 22.03%
#108 of 2643 Top 4.0% in $100M-$1B
216
Net Interest Margin
profitability
Value: 4.99%
Peer Median: 3.99%
#216 of 2643 Top 8.1% in $100M-$1B

Top Weaknesses (2 metrics)

2502
Delinquency Rate
credit_quality
Value: 3.43%
Peer Median: 0.92%
#2502 of 2633 Bottom 5.0% in $100M-$1B
2506
Nonperforming Asset Ratio
credit_quality
Value: 2.37%
Peer Median: 0.67%
#2506 of 2643 Bottom 5.2% in $100M-$1B
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