Average User Rating:
2 star rating based on 1 review.

The Fort Sill National Bank

1647 Randolph Road
Fort Sill, OK 73503
800-749-4583
www.fsnb.com

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The Fort Sill National Bank is headquartered in Fort Sill and is the 29^th largest bank in the state of Oklahoma. It is also the 1,716^st largest bank in the nation. It was established in 1946 and as of September of 2011, it had grown to 928 employees at 70 locations. The Fort Sill National Bank has a 5-star health rating.

Competitive CD Rates at The Fort Sill National Bank in Several States - 8/4/2010

Fort Sill National Bank (FSNB) is offering several competitive CD rates. The most competitive one is the 6-month CD with a 1.41% APY. Other ones include a 1.75% APY 18-month CD, a 2.00% APY 30-month C ...

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See Rates for: Checking | Savings | Money Market | CD | IRA

The Fort Sill National Bank Checking Account Rates

Apy	Min	Max	Product
0.25%	$1k	-	50+ Checking
0.25%	$500	-	NOW Account
0.10%	$500	-	Career Checking
0.10%	$500	-	Secure Rewards
0.10%	$500	-	Basic Checking
0.10%	$500	-	Advanced Checking

The Fort Sill National Bank Savings Account Rates

	Apy	Min	Max	Product
	0.40%	$25	-	Savings

The Fort Sill National Bank Money Market Rates

	Apy	Min	Max	Product
	0.45%	-	-	Money Market

The Fort Sill National Bank CD Rates

Apy	Min	Max	Product
2.00%	$500	-	60 Month CD
1.00%	$500	-	30 Month CD
0.55%	$500	-	18 Month CD
0.45%	$500	-	12 Month CD
0.40%	$500	-	182 Day CD
0.25%	$500	-	30 Day CD
0.25%	$500	-	91 Day CD

The Fort Sill National Bank IRA Rates

Apy	Min	Max	Product
1.00%	$500	-	30 Month Fixed Rate IRA
1.00%	$500	-	30 Month Fixed Rate Roth IRA
0.55%	$500	-	18 Month Fixed Rate IRA
0.55%	$500	-	18 Month Fixed Rate Roth IRA

Rates updated: 2/11/2012

Data for Q3 2011

Institution Statistics

The Fort Sill National Bank
FDIC Certificate #	16416
BankRate Report	View
Year Established	1946
Employees	928
Primary Regulator	OCC
Assets and Liabilities
Assets	$384.37 million
Loans	$54.42 million
Deposits	$337.73 million
Equity Capital	$39.51 million
Loan Loss Allowance	$2.87 million
Unbacked Noncurrent Loans	$334,000
Real Estate Owned	$500,000
Historic Data - September 2010
Assets	$354.66 million
Equity Capital	$54.47 million
Loan Loss Allowance	$2.77 million
Unbacked Noncurrent Loans	$492,000
Real Estate Owned	$25,000
Profit Margin - Quarterly
Net Interest Margin	3.14%
Return on Assets	2.86%
Return on Equity	27.46%
Interest Income	$8.53 million

Institution Health

Overall Score:

5 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 September 30, 2011 The Fort Sill National Bank had $834,000 in non-current loans and owned real-estate with $42.38 million in equity and loan loss allowances on hand to cover it. This gives The Fort Sill National Bank a Texas Ratio of 1.97% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for The Fort Sill National Bank held steady from 0.90% as of September 30, 2010 to 1.97% as of September 30, 2011, resulting in a negative change of 117.88%. This indicates that the balance sheet and financial strength for The Fort Sill National Bank has held steady in recent periods.
Deposit Growth
In the past year, The Fort Sill National Bank has increased its total deposits by $54.92 million, resulting in 19.42% 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 The Fort Sill National Bank has shown is excellent.
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. The Fort Sill National Bank has $384.37 million in assets with $42.38 million in equity, resulting in a capitalization level of 11.03%, which is above average.

Fort Sill National Bank FSNB
2 stars

- tater - Saturday, June 4, 2011 - 8:48 AM

I tried to open an account that was free if you had direct deposit but the teller set the account up on a plan that cost 7.50 per month, I advised that I would waite a week to come back and try again for the correct account, a week later the teller set the account up and had the last name spelled wrong but this was easy to fix and they did issue a new debit card with the correct last name, the day that my first deposit was supposed to be in the bank I could not access the funds due to the system being down..I'm not sure that this instatution is ready for any large scale accounts. I have changed one direct deposit back to my old bank and will check the progress on this bank next month and if problems still exist I will close the account.

The Fort Sill National Bank

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