First Texoma National Bank (FDIC #13905): Bank Stress & Real-Estate Credit Exposure
First Texoma National Bank (FDIC Cert #13905): bank stress 68/100, elevated, STABLE over 7 days; parent FNB FINANCIAL SERVICES INC.
First Texoma National Bank (#13905) lends in 3 counties across 2 states; First Texoma National Bank (#13905) reaches 47 ZIP codes: Oklahoma 2 counties, 26 ZIPs; Texas 1 county, 21 ZIPs.
First Texoma National Bank (#13905) largest markets: Grayson County, TX (21 branches, 21 ZIPs) (#13905), Bryan County, OK (45 branches, 15 ZIPs) (#13905), Choctaw County, OK (12 branches, 12 ZIPs) (#13905).
First Texoma National Bank (#13905) reports $225.4 million in total assets; First Texoma National Bank (#13905) equity $22.6 million (10.1% of First Texoma National Bank (#13905) assets); First Texoma National Bank (#13905) domestic deposits $202.3 million; First Texoma National Bank (#13905) net income $1.3 million; First Texoma National Bank (#13905) return on assets 1.14%; First Texoma National Bank (#13905) return on equity 11.48%; First Texoma National Bank (#13905) net interest income $5.3 million; First Texoma National Bank (#13905) call report June 30, 2026.
First Texoma National Bank (#13905) noncurrent real-estate loans: none reported; First Texoma National Bank (#13905) net charge-offs on real estate 3.97%; First Texoma National Bank (#13905) multifamily charge-offs 40.56%; First Texoma National Bank (#13905) residential charge-offs 2.60%.
First Texoma National Bank (#13905) net interest margin 4.99% against an eight-quarter First Texoma National Bank (#13905) average of 4.64% (First Texoma National Bank (#13905) compression -0.36 points); First Texoma National Bank (#13905) non-residential real estate 259.7% of equity; First Texoma National Bank (#13905) rate-exposure score 40/100, First Texoma National Bank (#13905) fixed-rate trap 40/100; First Texoma National Bank (#13905) risk type credit driven; First Texoma National Bank (#13905) rate regime rates elevated, First Texoma National Bank (#13905) snapshot October 19, 2026.
First Texoma National Bank (#13905) stress score moved from 64.9 on June 22, 2026 to 67.5 on October 19, 2026; First Texoma National Bank (#13905) ranged 64.9 to 67.5 over 116 snapshots.
First Texoma National Bank (#13905) alerts: 3 counties; top First Texoma National Bank (#13905) alert scores: Boswell County, OK 22 (low); Durant County, OK 22 (low); Sherman County, OK 22 (low).