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FSNB, National Association

$100M-$1B Specialty: Other OK FDIC cert 16416

Lawton, OK

68 branches across TN · NC · MS · OK · AR · LA · GA · DE · 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 +1.5% year over year ($369.7M on the books).
  • Delinquency rate 0.36%.
  • Return on assets 3.46%.
  • Efficiency ratio 74.07% vs a 64.48% peer average.
  • Loan-to-deposit ratio 39.17% 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) →

FSNB, National Association has 3 strengths 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

  • + Revenue Diversifier: Top 0.8% in tier
  • + Profitability Leader: Top 8.5% in tier
  • + Delinquency Rate 0.55% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 27.1% in tier
  • - Non-Interest-Bearing Deposit Share 17.35% below tier average
  • - Net Interest Margin 0.27% below tier average
  • - Efficiency Ratio 9.59% above tier average
Get updates when FSNB, National Association releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Total Assets ? $478.3M
+1.2% YoY +1.5% QoQ
+$91.7M $386.6M
+1.2% YoY
$1.3B
+6.0% YoY
$6.3B
+7.7% YoY
70%
Total Loans ? $144.8M
-2.9% YoY +1.8% QoQ
-$113.5M $258.3M
+1.7% YoY
$835.5M
+7.1% YoY
$3.2B
+9.4% YoY
33%
Total Deposits ? $369.7M
+1.5% YoY -2.1% QoQ
+$43.0M $326.7M
+0.7% YoY
$967.8M
+5.8% YoY
$4.9B
+7.3% YoY
66%
Return on Assets ? 3.46%
+18.8% YoY +24.2% QoQ
+2.13% 1.32%
+10.8% YoY
1.35%
+7.7% YoY
1.30%
+12.1% YoY
Top 1.0% in tier
Net Interest Margin ? 3.72%
-1.0% YoY +1.4% QoQ
-0.27% 3.99%
+5.0% YoY
4.27%
+1.9% YoY
3.95%
+4.9% YoY
38%
Efficiency Ratio ? 74.07%
-1.0% YoY -0.4% QoQ
+9.59% 64.48%
-3.2% YoY
64.81%
-3.0% YoY
70.05%
+2.5% YoY
22%
Delinquency Rate ? 0.36%
+50.3% YoY -9.6% QoQ
-0.55% 0.92%
+15.7% YoY
1.78%
+23.7% YoY
0.98%
+16.3% YoY
54%
Loan-to-Deposit Ratio ? 39.17%
-4.4% YoY +4.0% QoQ
-38.78% 77.95%
+1.0% YoY
74.14%
+1.3% YoY
79.03%
+2.3% YoY
Top 3.9% in tier
Non-Interest-Bearing Deposit Share ? 4.68%
+2.9% YoY -3.9% QoQ
-17.35% 22.03%
-0.6% YoY
23.91%
-1.8% YoY
21.98%
-0.6% YoY
Bottom 3.3% in tier
Nonperforming Asset Ratio ? 0.75%
+3.6% YoY -2.7% QoQ
+0.08% 0.67%
+16.4% YoY
1.24%
+23.1% YoY
0.69%
+15.8% YoY
28%
Tier 1 Capital Ratio ? 17.51%
+5.9% YoY +2.4% QoQ
+1.60% 15.91%
+1.4% YoY
14.18%
-3.9% YoY
17.09%
+0.8% YoY
79%
Non-Interest Income / Assets ? 4.10%
-4.1% YoY +99.2% QoQ
+3.54% 0.57%
+7.6% YoY
0.31%
-11.7% YoY
0.66%
+5.2% YoY
Top 0.8% in tier

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 4.7%
+0.1pp YoY
-0.2pp QoQ
 -17.5pp 22.1% 23.9% 22.2% 3%
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 5.3%
-1.2pp YoY
-0.3pp QoQ
 -6.2pp 11.6% 15.7% 12.5% 22%
CRE 42.5%
-0.1pp YoY
-0.8pp QoQ
 +2.9pp 39.5% 42.0% 41.4% 58%
1-4 Family 20.3%
+0.4pp YoY
-0.4pp QoQ
 -12.3pp 32.6% 24.0% 31.3% 30%
Consumer 3.3%
-0.1pp YoY
-0.2pp QoQ
 -0.8pp 4.1% 5.6% 5.0% 63%

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 17.5%
+1.0pp YoY
+0.4pp QoQ
 +5.3pp 12.2% 11.7% 12.6% 94%
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 571
+1 (+0.2%) YoY
-7 (-1.2%) QoQ
 +512 58 150 482 100%
Assets per Employee ($) $837,611
+1.0% YoY
+2.7% QoQ
 -$6.7M $7.5M $6.5M $8.8M 0%
Branch Count 68
-4 (-5.6%) YoY
0 QoQ
 +63 4 8 18 100%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Past Due 90+ Days 0.1%
+0.1pp YoY
0.0pp QoQ
 -0.2pp 0.3% 0.9% 0.4% 56%
Nonaccrual 0.2%
0.0pp YoY
0.0pp QoQ
 -0.7pp 0.9% 1.5% 1.0% 32%
Allowance Coverage 4.79x
-35.6% YoY
+5.4% QoQ
 -19.36x 24.15x 61.99x 20.23x 69%
Net Charge-off Rate (YTD) 1.0%
+0.1pp YoY
+0.1pp QoQ
 +0.9pp 0.1% 0.2% 0.2% 97%

Profitability

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
ROE 20.4%
+1.3pp YoY
+3.8pp QoQ
 +8.3pp 12.2% 11.9% 11.6% 89%
Cost of Funds (YTD) 0.3%
0.0pp YoY
0.0pp QoQ
 -1.4pp 1.7% 1.8% 1.7% 1%
Net Income ($, YTD) $8.2M
+21.3% YoY
— QoQ
 +$5.7M $2.6M $8.7M $40.4M 97%

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 (2)

Revenue Diversifier

growth
#6 of 661 • Top 0.8% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 4.10%
(Tier: 0.57%, National: 0.66%)
better than tier avg
Return on Assets: 3.46%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable

Profitability Leader

growth
#57 of 661 • Top 8.5% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 3.46%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (1)

Credit Quality Pressure

risk
#341 of 1256 • Bottom 27.1% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.36%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank declining

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 (4 metrics)

22
Non-Interest Income / Assets
revenue_mix
Value: 4.10%
Peer Median: 0.57%
#22 of 2643 Top 0.8% in $100M-$1B
28
Return on Assets
profitability
Value: 3.46%
Peer Median: 1.32%
#28 of 2643 Top 1.0% in $100M-$1B
104
Loan-to-Deposit Ratio
liquidity
Value: 39.17%
Peer Median: 77.95%
#104 of 2643 Top 3.9% in $100M-$1B
553
Tier 1 Capital Ratio
capital
Value: 17.51%
Peer Median: 15.91%
#553 of 2643 Top 20.9% in $100M-$1B

Top Weaknesses (2 metrics)

2558
Non-Interest-Bearing Deposit Share
funding
Value: 4.68%
Peer Median: 22.03%
#2558 of 2643 Bottom 3.3% in $100M-$1B
2067
Efficiency Ratio
profitability
Value: 74.07%
Peer Median: 64.48%
#2067 of 2643 Bottom 21.8% in $100M-$1B
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