C
First National Bank
Rating Date
October 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings First National Bank
Heavener, OK
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Rating C
Asset Quality Index 5.30
Capitalization Index 8.90
Liquidity Index 3.10
Profitability Index 8.60
Stability Index 5.00
Company Info First National Bank
Heavener, OK
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FDIC Number 4111
Phone Number (918) 653-3200
Website www.okfnb.com
Asset Quality First National Bank
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1-Year Asset Growth 4.49%
5-Year Asset Growth 4.36%
5-Year Charge-Offs to Average Loans 0.22%
Charge-Offs to Average Loans 0.11%
Non-Performing Assets to Assets 0.79%
Non-Performing Loans to Capital 7.24%
Non-Performing Loans to Loans 1.20%
Balance Sheet First National Bank
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Total Assets 105.72M
Total Deposits 92.35M
Capital and Reserves First National Bank
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Capital 10.71M
Leverage Ratio 10.29
Loan Loss Reserves to Loans 1.21%
Risk-Based Capital Ratio 18.06
Liquidity First National Bank
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Hot Money Ratio 16.14%
Liquidity Ratio 33.24%
Profitability First National Bank
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5-Year Return on Average Assets 1.17%
Net Income 1.21M
Net Interest Spread 6.06%
Operating Profit to Average Assets 2.10%
Overhead Efficiency Ratio 67.05%
Return on Assets 1.56%
Return on Equity 15.92%