First Texoma National Bank

First Texoma National Bank is headquartered in Durant and is the 88^th largest bank in the state of Oklahoma. It is also the 3,517^st largest bank in the nation. It was established in 1898 and as of March of 2012, it had grown to 73 employees at 7 locations. First Texoma National Bank has a 2-star health rating.

First Texoma National Bank Routing Number: 103100878

Data for Q1 2012

Institution Statistics First Texoma National Bank FDIC Certificate # 13905 BankRate Report View Year Established 1898 Employees 73 Primary Regulator OCC Assets and Liabilities Assets $170.85 million Loans $112.68 million Deposits $153.14 million Equity Capital $17.43 million Loan Loss Allowance $2.55 million Unbacked Noncurrent Loans $5.69 million Real Estate Owned $9.56 million Historic Data - March 2011 Assets $191.82 million Equity Capital $18.39 million Loan Loss Allowance $2.94 million Unbacked Noncurrent Loans $8.61 million Real Estate Owned $10.41 million Profit Margin - Quarterly Net Interest Margin 4.4% Return on Assets -0.16% Return on Equity -1.6% Interest Income $1.84 million

Institution Health Overall Score: 2 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 First Texoma National Bank had $15.25 million in non-current loans and owned real-estate with $19.98 million in equity and loan loss allowances on hand to cover it. This gives First Texoma National Bank a Texas Ratio of 76.31% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for First Texoma National Bank held steady from 89.16% as of March 31, 2011 to 76.31% as of March 31, 2012, resulting in a positive change of 14.42%.This indicates that the balance sheet and financial strength for First Texoma National Bank has held steady in recent periods. Deposit Growth In the past year, First Texoma National Bank has decreased its total deposits by -$20.04 million, resulting in -11.57% 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 Texoma National Bank has shown is poor. Capitalization 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 Texoma National Bank has $170.85 million in assets with $19.98 million in equity, resulting in a capitalization level of 11.69%, which is above average.

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