Frazer Bank (FDIC #4031): Bank Stress & Real-Estate Credit Exposure

Frazer Bank (FDIC Cert #4031): bank stress 79/100, severe, STABLE over 7 days; parent FIRST ALTUS BCORP INC.

Frazer Bank (#4031) lends in 4 counties across 1 state; Frazer Bank (#4031) reaches 82 ZIP codes: Oklahoma 4 counties, 82 ZIPs.

Frazer Bank (#4031) largest markets: Oklahoma County, OK (55 branches, 55 ZIPs) (#4031), Jackson County, OK (20 branches, 10 ZIPs) (#4031), Kiowa County, OK (9 branches, 9 ZIPs) (#4031), Tillman County, OK (18 branches, 9 ZIPs) (#4031).

Frazer Bank (#4031) reports $354.3 million in total assets; Frazer Bank (#4031) equity $36.3 million (10.3% of Frazer Bank (#4031) assets); Frazer Bank (#4031) domestic deposits $317.1 million; Frazer Bank (#4031) net income $912,000; Frazer Bank (#4031) return on assets 0.51%; Frazer Bank (#4031) return on equity 5.05%; Frazer Bank (#4031) net interest income $5.4 million; Frazer Bank (#4031) call report June 30, 2026.

Frazer Bank (#4031) noncurrent real-estate loans: none reported; Frazer Bank (#4031) net charge-offs on real estate 0.00%.

Frazer Bank (#4031) net interest margin 3.31% against an eight-quarter Frazer Bank (#4031) average of 2.96% (Frazer Bank (#4031) compression -0.35 points); Frazer Bank (#4031) rate-exposure score 40/100, Frazer Bank (#4031) fixed-rate trap 40/100; Frazer Bank (#4031) risk type credit driven; Frazer Bank (#4031) rate regime rates elevated, Frazer Bank (#4031) snapshot October 20, 2026.

Frazer Bank (#4031) stress score moved from 75.2 on June 22, 2026 to 79.3 on October 20, 2026; Frazer Bank (#4031) ranged 75.2 to 79.3 over 117 snapshots.

Frazer Bank (#4031) alerts: 4 counties; top Frazer Bank (#4031) alert scores: Altus County, OK 24 (low); Edmond County, OK 24 (low); Grandfield County, OK 24 (low); Hobart County, OK 24 (low).