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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Heavener, OK · FDIC certificate #4111
FIRST NATIONAL BANK is an FDIC-insured institution based in Heavener, OK (FDIC certificate #4111). In its Q3 2026 Call Report it reported total assets of $113M, total deposits of $97M and net loans of $86M. Its primary federal regulator is OCC.
Plain-language readout
FIRST NATIONAL BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $113M in Q3 2026 and were lowest at $104M in Q1 2026.
Total deposits were highest at $97M in Q3 2026 and lowest at $92M in Q2 2026.
Over the whole period total assets rose 8.7%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $113M | $97M | $86M | 1.43% | 15.20% | 6.30% |
| Q2 2026 | $113M | $92M | $81M | 1.74% | 18.43% | 6.56% |
| Q1 2026 | $104M | $93M | $72M | 1.61% | 16.86% | 6.44% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $14.0M | $12.5M | +$1.6M | +12.8% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $12.2M | $14.2M | -$2.0M | -14.1% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $81.3M | $72.2M | +$9.2M | +12.7% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $3.3M | $3.3M | +$63K | +1.9% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $1.9M | $1.8M | +$70K | +3.9% |
| Total assets | $112.8M | $103.9M | +$8.9M | +8.6% |
| Liabilities | ||||
| Total deposits | $91.7M | $93.4M | -$1.6M | -1.7% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $10.0M | $0K | +$10.0M | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $634K | $575K | +$59K | +10.3% |
| Total liabilities | $102.4M | $93.9M | +$8.4M | +9.0% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $2.3M | $2.3M | $0K | 0.0% |
| Surplus | $2.3M | $2.3M | $0K | 0.0% |
| Retained earnings | $5.9M | $5.4M | +$510K | +9.4% |
| Accumulated other comprehensive income | -$91K | -$42K | -$49K | -116.7% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $10.5M | $10.0M | +$461K | +4.6% |
| Credit and capital | ||||
| Gross nonperforming assets | $223K | $193K | +$30K | +15.5% |
| Adjusted nonperforming assets | $223K | $193K | +$30K | +15.5% |
| Tangible equity plus allowance | $11.3M | $10.8M | +$481K | +4.4% |
| Texas ratio (gross) | 1.97% | 1.78% | +0.19 pts | See points |
| Texas ratio (adjusted) | 1.97% | 1.78% | +0.19 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 1.97% | 1.78% | +0.19 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | 14.64% | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | 14.64% | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | 1.25% | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | 15.89% | Not reported | See points |
| Tier 1 leverage (approximate) | 9.89% | 9.65% | +0.24 pts | See points |
| Construction and land loans to total capital | 65.43% | 67.25% | -1.82 pts | See points |
| Commercial real estate to total capital | 113.71% | 103.87% | +9.85 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -1.18% | -0.57% | -0.61 pts | See points |
| Liquidity | ||||
| Core deposits | $83.9M | $85.3M | -$1.4M | -1.6% |
| Non-core funding | $17.8M | $8.0M | +$9.8M | +121.7% |
| Loans to core deposits | 97.95% | 85.57% | +12.38 pts | See points |
| Loans to deposits | 89.62% | 78.21% | +11.41 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 46.77% | 24.66% | +22.11 pts | See points |
| Loans pledged, share of loans | 43.73% | 61.23% | -17.51 pts | See points |
| Volatile liabilities | $17.8M | $8.0M | +$9.8M | +121.7% |
| Earnings | ||||
| Earnings before provision, year to date | $1.2M | $556K | +$677K | +121.8% |
| Earnings before provision, single quarter | $677K | $556K | +$121K | +21.8% |
| Provision for credit losses, year to date | $18K | $10K | +$8K | +80.0% |
| Yield and cost | ||||
| Yield on loans and leases | 9.23% | 8.86% | +0.37 pts | See points |
| Yield on interest-bearing balances due from banks | 4.02% | 4.04% | -0.02 pts | See points |
| Total interest income to average assets | 7.52% | 7.13% | +0.40 pts | See points |
| Cost of interest-bearing transaction accounts | 1.02% | 1.05% | -0.02 pts | See points |
| Cost of savings and money market deposits | 1.15% | 1.14% | +0.01 pts | See points |
| Cost of time deposits | 3.46% | 3.40% | +0.06 pts | See points |
| Total interest expense to average assets | 1.23% | 1.27% | -0.04 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $113M | $97M | $86M | 1.43% | 15.20% | 6.30% |
| 2026-06-30 | $113M | $92M | $81M | 1.74% | 18.43% | 6.56% |
| 2026-03-31 | $104M | $93M | $72M | 1.61% | 16.86% | 6.44% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| OK | $90.1M | 0.06% | 149 | Continuing · +0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.