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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Durant, OK · FDIC certificate #13905
FIRST TEXOMA NATIONAL BANK is an FDIC-insured institution based in Durant, OK (FDIC certificate #13905). In its Q3 2026 Call Report it reported total assets of $224M, total deposits of $199M and net loans of $155M. Its primary federal regulator is OCC.
Plain-language readout
FIRST TEXOMA NATIONAL BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $225M in Q2 2026 and were lowest at $224M in Q3 2026.
Total deposits were highest at $202M in Q1 2026 and lowest at $199M in Q3 2026.
Over the whole period total assets fell 0.3%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $224M | $199M | $155M | 1.16% | 11.74% | 5.08% |
| Q2 2026 | $225M | $202M | $150M | 1.14% | 11.48% | 4.99% |
| Q1 2026 | $225M | $202M | $152M | 1.23% | 12.43% | 4.97% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $12.6M | $11.9M | +$704K | +5.9% |
| 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) | $54.9M | $53.7M | +$1.2M | +2.3% |
| 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) | $150.2M | $152.2M | -$2.0M | -1.3% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $3.5M | $3.6M | -$69K | -1.9% |
| Other real estate owned | $196K | $0K | +$196K | 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) | $460K | $460K | $0K | 0.0% |
| All other assets | $3.5M | $3.5M | +$83K | +2.4% |
| Total assets | $225.4M | $225.2M | +$148K | +0.1% |
| Liabilities | ||||
| Total deposits | $202.3M | $202.5M | -$189K | -0.1% |
| 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 | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $419K | $501K | -$82K | -16.4% |
| Total liabilities | $202.7M | $203.0M | -$271K | -0.1% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $1.0M | $1.0M | $0K | 0.0% |
| Surplus | $7.4M | $7.4M | $0K | 0.0% |
| Retained earnings | $18.2M | $17.6M | +$591K | +3.4% |
| Accumulated other comprehensive income | -$3.9M | -$3.7M | -$172K | -4.6% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $22.6M | $22.2M | +$419K | +1.9% |
| Credit and capital | ||||
| Gross nonperforming assets | $5.3M | $5.1M | +$199K | +3.9% |
| Adjusted nonperforming assets | $5.3M | $5.1M | +$199K | +3.9% |
| Tangible equity plus allowance | $24.3M | $23.9M | +$375K | +1.6% |
| Texas ratio (gross) | 22.05% | 21.56% | +0.49 pts | See points |
| Texas ratio (adjusted) | 22.05% | 21.56% | +0.49 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 22.05% | 21.56% | +0.49 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 11.60% | 11.52% | +0.08 pts | See points |
| Construction and land loans to total capital | 50.80% | 56.72% | -5.92 pts | See points |
| Commercial real estate to total capital | 117.95% | 127.70% | -9.75 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 | -20.72% | -20.26% | -0.46 pts | See points |
| Liquidity | ||||
| Core deposits | $180.7M | $181.8M | -$1.1M | -0.6% |
| Non-core funding | $21.5M | $20.6M | +$911K | +4.4% |
| Loans to core deposits | 84.22% | 84.84% | -0.62 pts | See points |
| Loans to deposits | 75.25% | 76.20% | -0.95 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 14.18% | 15.21% | -1.03 pts | See points |
| Loans pledged, share of loans | 30.36% | 29.95% | +0.40 pts | See points |
| Volatile liabilities | $21.5M | $20.6M | +$911K | +4.4% |
| Earnings | ||||
| Earnings before provision, year to date | $1.8M | $891K | +$863K | +96.9% |
| Earnings before provision, single quarter | $863K | $891K | -$28K | -3.1% |
| Provision for credit losses, year to date | $118K | $18K | +$100K | +555.6% |
| Yield and cost | ||||
| Yield on loans and leases | 6.95% | 6.88% | +0.07 pts | See points |
| Yield on interest-bearing balances due from banks | 3.72% | 3.68% | +0.04 pts | See points |
| Total interest income to average assets | 5.57% | 5.53% | +0.04 pts | See points |
| Cost of interest-bearing transaction accounts | 0.05% | 0.05% | -0.00 pts | See points |
| Cost of savings and money market deposits | 0.06% | 0.07% | -0.01 pts | See points |
| Cost of time deposits | 3.21% | 3.20% | +0.01 pts | See points |
| Total interest expense to average assets | 0.81% | 0.80% | +0.01 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 | $224M | $199M | $155M | 1.16% | 11.74% | 5.08% |
| 2026-06-30 | $225M | $202M | $150M | 1.14% | 11.48% | 4.99% |
| 2026-03-31 | $225M | $202M | $152M | 1.23% | 12.43% | 4.97% |
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 | $177.2M | 0.13% | 113 | Continuing · -0.00 pp |
| TX | $24.3M | 0.00% | 453 | 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.