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1601 South Kelly
Edmond, OK 73013

First Commercial Bank (OK) is headquartered in Edmond and is the 43rd largest bank in the state of Oklahoma. It is also the 2,110st largest bank in the nation. It was established in 1996 and as of March of 2014, it had grown to 92 employees at 9 locations. First Commercial Bank (OK) has a B health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 First Commercial Bank (OK) had $6.19 million in non-current loans and owned real-estate with $39.38 million in equity and loan loss allowances on hand to cover it. This gives First Commercial Bank (OK) a Texas Ratio of 15.72% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for First Commercial Bank (OK) decreased slightly from 18.56% as of March 31, 2013 to 15.72% as of March 31, 2014, resulting in a positive change of 15.30%.This indicates that the balance sheet and financial strength for First Commercial Bank (OK) has improved slightly in recent periods.

Deposit Growth


In the past year, First Commercial Bank (OK) has decreased its total deposits by -$9.38 million, resulting in -3.42% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth First Commercial Bank (OK) has shown is below average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. First Commercial Bank (OK) has $311.04 million in assets with $39.38 million in equity, resulting in a capitalization level of 12.66%, which is excellent.

Institution Statistics

FDIC Certificate #34377
Year Established1996
Primary RegulatorFDIC
Assets and Liabilities
Assets$311.04 million
Loans$215.80 million
Deposits$265.26 million
Equity Capital$33.78 million
Loan Loss Allowance$5.60 million
Unbacked Noncurrent Loans$4.85 million
Real Estate Owned$1.34 million
Historic Data - March 2013
Assets$323.11 million
Equity Capital$35.65 million
Loan Loss Allowance$3.60 million
Unbacked Noncurrent Loans$4.85 million
Real Estate Owned$2.35 million
Profit Margin - Quarterly
Net Interest Margin4.17%
Return on Assets0.61%
Return on Equity5.67%
Interest Income$3.23 million
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First Commercial Bank (OK) Checking Account Rates

2.15%-$15kFIRST Rewards Checking - Qualifying
0.05%--FIRST Rewards Checking - Non Qualifying

First Commercial Bank (OK) CD Rates

0.75%$50k-24-Month Hi-Rise CD
0.60%$50k-18-Month Hi-Rise CD

First Commercial Bank (OK) Locations
Littleton Branch10457 Park Meadows Drive, Suite 103Littleton, CO 80124
Colorado Springs Branch115 TejonColorado Springs, CO 80903
First Commercial Bank1601 South KellyEdmond, OK 73013
Classen Branch2523 North Classen Blvd.Oklahoma City, OK 73106
American Commerce Branch3131 Shields BoulevardOklahoma City, OK 73126
Hampden and Logan Branch3531 South Logan Street, Suite AEnglewood, CO 80110
Chase Plaza Branch3801 W Memorial RdOklahoma City, OK 73134
Rockwell Bank Branch7308 Northwest ExpresswayOklahoma City, OK 73132
South Broadway Branch9131 South Broadway, Suite 500Highlands Ranch, CO 80126