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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Norman, OK · FDIC certificate #58680
GREAT NATIONS BANK is an FDIC-insured institution based in Norman, OK (FDIC certificate #58680). In its Q3 2026 Call Report it reported total assets of $111M, total deposits of $98M and net loans of $93M. Its primary federal regulator is FDIC.
Plain-language readout
GREAT NATIONS BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $114M in Q1 2026 and were lowest at $111M in Q3 2026.
Total deposits were highest at $101M in Q1 2026 and lowest at $98M in Q3 2026.
Over the whole period total assets fell 2.6%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $111M | $98M | $93M | 0.75% | 7.52% | 4.02% |
| Q2 2026 | $114M | $100M | $89M | 0.70% | 7.13% | 3.92% |
| Q1 2026 | $114M | $101M | $89M | 0.60% | 6.16% | 3.82% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $7.6M | $3.5M | +$4.1M | +118.8% |
| Federal funds sold | $11.2M | $15.9M | -$4.7M | -29.4% |
| 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) | $2.3M | $2.5M | -$142K | -5.7% |
| 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) | $89.1M | $88.6M | +$474K | +0.5% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $1.8M | $1.8M | -$14K | -0.8% |
| 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 | $1.7M | $1.7M | -$52K | -3.0% |
| Total assets | $113.8M | $114.0M | -$272K | -0.2% |
| Liabilities | ||||
| Total deposits | $100.5M | $100.8M | -$383K | -0.4% |
| 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 | $1.6M | $1.7M | -$31K | -1.9% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $338K | $414K | -$76K | -18.4% |
| Total liabilities | $102.4M | $102.9M | -$490K | -0.5% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $14K | $14K | $0K | 0.0% |
| Surplus | $14.5M | $14.5M | -$1K | -0.0% |
| Retained earnings | -$2.9M | -$3.1M | +$227K | +7.3% |
| Accumulated other comprehensive income | -$272K | -$264K | -$8K | -3.0% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $11.3M | $11.1M | +$218K | +2.0% |
| Credit and capital | ||||
| Gross nonperforming assets | $91K | $0K | +$91K | n/a |
| Adjusted nonperforming assets | $91K | $0K | +$91K | n/a |
| Tangible equity plus allowance | $12.4M | $12.1M | +$248K | +2.0% |
| Texas ratio (gross) | 0.74% | 0.00% | +0.74 pts | See points |
| Texas ratio (adjusted) | 0.74% | 0.00% | +0.74 pts | See points |
| Texas ratio (adjusted, with performing restructured) | Not reported | 0.00% | Not reported | 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) | 10.27% | 10.10% | +0.17 pts | See points |
| Construction and land loans to total capital | 92.34% | 90.34% | +2.00 pts | See points |
| Commercial real estate to total capital | 179.75% | 182.77% | -3.01 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 | -2.34% | -2.32% | -0.02 pts | See points |
| Liquidity | ||||
| Core deposits | $82.9M | $60.6M | +$22.3M | +36.8% |
| Non-core funding | $19.2M | $41.9M | -$22.7M | -54.2% |
| Loans to core deposits | 108.72% | 147.94% | -39.22 pts | See points |
| Loans to deposits | 89.72% | 88.88% | +0.84 pts | See points |
| Brokered deposits share of deposits | 5.07% | 29.60% | -24.52 pts | See points |
| Pledged securities share of securities | 0.00% | 0.00% | 0.00 pts | See points |
| Loans pledged, share of loans | 80.44% | 80.00% | +0.44 pts | See points |
| Volatile liabilities | $31.2M | $57.6M | -$26.4M | -45.9% |
| Earnings | ||||
| Earnings before provision, year to date | $457K | $200K | +$257K | +128.5% |
| Earnings before provision, single quarter | $257K | $200K | +$57K | +28.5% |
| Provision for credit losses, year to date | $60K | $30K | +$30K | +100.0% |
| Yield and cost | ||||
| Yield on loans and leases | 7.93% | 7.81% | +0.12 pts | See points |
| Yield on interest-bearing balances due from banks | 3.10% | 4.00% | -0.90 pts | See points |
| Total interest income to average assets | 6.89% | 6.77% | +0.12 pts | See points |
| Cost of interest-bearing transaction accounts | 0.88% | 0.59% | +0.29 pts | See points |
| Cost of savings and money market deposits | 2.72% | 2.77% | -0.04 pts | See points |
| Cost of time deposits | 4.08% | 4.10% | -0.02 pts | See points |
| Total interest expense to average assets | 2.99% | 3.04% | -0.05 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 | $111M | $98M | $93M | 0.75% | 7.52% | 4.02% |
| 2026-06-30 | $114M | $100M | $89M | 0.70% | 7.13% | 3.92% |
| 2026-03-31 | $114M | $101M | $89M | 0.60% | 6.16% | 3.82% |
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 | $105.8M | 0.07% | 139 | Continuing · +0.01 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.