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888-255-5371
121 South Main Street
Broken Arrow, OK 74012

First National Bank of Broken Arrow is headquartered in Broken Arrow and is the 85th largest bank in the state of Oklahoma. It is also the 3,192nd largest bank in the nation. It was established in 1904 and as of March of 2014, it had grown to 55 employees at 4 locations. First National Bank of Broken Arrow has a B health rating.

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Health

Data for Q1 2014

Institution Health

B

Texas Ratio

GRADE:
C+

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 National Bank of Broken Arrow had $4.02 million in non-current loans and owned real-estate with $17.59 million in equity and loan loss allowances on hand to cover it. This gives First National Bank of Broken Arrow a Texas Ratio of 22.88% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A+

The Texas Ratio for First National Bank of Broken Arrow decreased dramatically from 51.82% as of March 31, 2013 to 22.88% as of March 31, 2014, resulting in a positive change of 55.85%.This indicates that the balance sheet and financial strength for First National Bank of Broken Arrow has improved dramatically in recent periods.

Deposit Growth

GRADE:
B+

In the past year, First National Bank of Broken Arrow has increased its total deposits by $1.74 million, resulting in 1.02% 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 National Bank of Broken Arrow has shown is above average.

Capitalization

GRADE:
C+

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 National Bank of Broken Arrow has $188.71 million in assets with $17.59 million in equity, resulting in a capitalization level of 9.32%, which is average.

Institution Statistics

Overall
FDIC Certificate #4050
Year Established1904
Employees55
Primary RegulatorOCC
Assets and Liabilities
Assets$188.71 million
Loans$96.97 million
Deposits$172.07 million
Equity Capital$15.67 million
Loan Loss Allowance$1.92 million
Unbacked Noncurrent Loans$2.42 million
Real Estate Owned$1.60 million
Historic Data - March 2013
Assets$187.49 million
Equity Capital$16.01 million
Loan Loss Allowance$1.95 million
Unbacked Noncurrent Loans$2.42 million
Real Estate Owned$5.68 million
Profit Margin - Quarterly
Net Interest Margin3.39%
Return on Assets0.24%
Return on Equity2.87%
Interest Income$1.56 million
Rates

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First National Bank of Broken Arrow Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.15%$100-Regular Savings

First National Bank of Broken Arrow Money Market Rates

DetailsAPYMINMAXPRODUCT
0.20%$25k-Super Money Fund
0.15%$2,500-First Insured Money Fund
0.15%$10k-First Insured Money Fund (Non-Personal)

First National Bank of Broken Arrow Checking Account Rates

DetailsAPYMINMAXPRODUCT
2.05%-$10kFirst Rewards Checking - Qualifying
0.05%--First Rewards Checking - Non Qualifying
0.05%$1k-Investment Checking

First National Bank of Broken Arrow CD Rates

DetailsAPYMINMAXPRODUCT
1.10%$1k-60 Month CD
0.80%$1k-48 Month CD
0.70%$1k-36 Month CD
0.60%$1k-30 Month CD
0.50%$1k-24 Month CD
0.40%$1k-18 Month CD
0.30%$1k-12 Month CD
0.15%$1k-182 Day CD
0.10%$1k-91 Day CD
0.02%$1k-7 Day CD
0.02%$1k-31 Day CD

First National Bank of Broken Arrow IRA Rates

DetailsAPYMINMAXPRODUCT
0.40%$1k-18 Month Variable IRA
Locations


First National Bank of Broken Arrow Locations
The First National Bank and Trust Company Of Broke121 South Main StreetBroken Arrow, OK 74012
North Aspen Branch2100 North AspenBroken Arrow, OK 74012
County Line Branch2401 East KenoshaBroken Arrow, OK 74014
South Elm Branch3208 South ElmBroken Arrow, OK 74012