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1647 Randolph Road
Fort Sill, OK 73503

Fort Sill National Bank is a full service bank initially established in 1942 for the banking needs of Fort Sill’s military community. Since then it has opened up its product and service offerings to the wider Fort Sill, Oklahoma community.

The bank offers multiple checking accounts to meet various demands, from student to reward to senior checking account options. It has limited savings and money market account offerings and makes available CDs and IRA CDs with term lengths from 30 days to 60 months.

Fort Sill National Bank online banking gives customers an e-banking platform from which to access accounts, transfer money, and pay bills. The online banking package is free initially, but a monthly fee applies for usage after a certain period of time.

Fort Sill National Bank is headquartered in Fort Sill, Oklahoma, and operates branches in multiple states. It has received banking awards from various military branches for its banking services.

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Reviews (7)

Fort Sill National Bank FSNB

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.

Horrible Bank

Don't go to this bank. Too many fees! Charge you overdraft fees even if you have enough money in your account! Horrible bank.

Banking At FSNB Bank

Everything about this bank is misleading! They open accounts and make false claims as to their services. They treat you with disrespect when making deposits. Why does it take 20 minutes to make a deposit. Walmart needs to rethink their relationship with this company. The employees look miserable and are afraid to speak too much. Not a good choice for a bank!!

I Would NOT Bank With Fsnb

I would not bank with fsnb....... When I opened my acct. It was just me on the acct. well i fnd out tat they also issued a secondary debit card to my exhusband because one of his friends works at the branch that I had been banking with.... Remind u I was the only person on this acct. After our divorce went through then is when he got the secondary debit card which in return screwd me out of my money. I had my bi-weekly checks from my job as a nurse deposted into this acct. He took me for a ride for my money.... I went to go talk to the teller nan they told me they couldnt give me no info.... I replied why not this is my own personal acct. She said no there are two cards that have been so both parties will have to be present..... I asked for the president of the banks phone and she even refused to give that number.... NEEDLESS to say I do NOT bank with this bank any longer and if I hear someone ask about this bank TRUST me I WILL TELL THM NOT TO BANK AT THIS BANK THEY WILL SCREW YOU!!!!!!!!  They lost alot of money when they lost me as a customer and i personally will NOT SEND them any business and I HOPE AND PRAY to GOD they close this bank down completely 

Horrible Bank With Little To None In Customer Servive Skills.

I won't even go into detail about all the problems I've had with them, but it's rediculous. DO NOT open an account with this institution, and if you have one already get out as fast as possible. I suggest USAA if you can, or even Bank of America.

Unprofessional Staff, Obsolete Banking Services

I recently started an account at FSNB located at my local Walmart in Shreveport, LA. My previous bank was through my college, which was convenient at the time, online banking, onsite ATM, direct deposit and cash back rewards. After graduation I found it inconvenient to have to drive an hour away for make withdrawals and having to mail in my deposits, so I switched to FSNB because it was less than 5 minutes away and plus I'm always shopping at Walmart. Setting up my account took longer than expected especially after the clerk misplaced my drivers license, on the upside I was able to get an ATM card immediately, but it had the look of some generic gift card you'd bought off the internet or at the end aisle of a store. Afterwards I would told I'd have access to online banking within 24 hours, and to use my email address and my temporary password to log in. 24 hours later, I couldn't log on, 72 hours later same thing. I pulled out the mounds of literature I was given about my account and online banking but no information on how to log in for the first time, no option to enter your email address, tried my account # no go, social security # no go. Finally I called in to Customer Service and was given instructions on how to log on, logged in, and lets just say the website is far from impressive or user friendly, and its set up in some obsolete text format, with red messages cluttered all over the screen. No option to save information, so you have to constantly re-enter your username and password, and the online bill pay option is just confusing, no explanation as to what the Pay Date is (payment due date, date payment will be made) nothing, no information on how long payments take to reach the payers. I've done online banking for years I assumed all payments that went electronic took 3 days and other took 5, WRONG, it took 10 business days for my payments to reach their payers and although they all read electronic they were mailed paper checks, UGH!!! If the website wasn't bad enough, the ATM at my location is never in service, and the staff there are very unprofessional and ghetto (yes I am too African American) multi-colored weaves and nail polish, fllp flops and excessive jewelry. None of the staff appears as if they ever worked in a bank before or let alone any professional setting, not the sort of thing you'd care to see from a place whom you'd entrust with your hard earned money. Needless to say I'm taking my business elsewhere, I'd be willing to pay some extra fees to be greeted by professional staff, with a working ATM, a more genuine looking bank card and a more user-friendly and updated banking website.

Froze My Account

I am a disabled veteran and retired from the military, maybe that may not matter, but I have all my deposits at the beginning of the month going to FSNB. With saying that, I pay my bills on time and all of them at the beginning of the month, so I have a lot of transactions coming from account. I have been with FSNB for eight years, never a problem until I started paying my bills online. I understand about fraud protection, but the main problem here is proper notification, but if you are on vacation and don't like caring cash and then out of the blue your debit visa card is denied because this organization did not take the time to give you a courtesy call about your transactions, and that we are about to lock your account if you did not authorized these transaction, nothing of the such by this bank. They cause my payments to be late, even though I had the funds. I call this BAD business. This has happen to me 4 months in a row, I am tired of this, I will be closing my account with this so call bank this month.


Data for Q2 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 June 30, 2014 The Fort Sill National Bank had $1.03 million in non-current loans and owned real-estate with $49.1 million in equity and loan loss allowances on hand to cover it. This gives The Fort Sill National Bank a Texas Ratio of 2.11% 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 experienced no significant changes from 1.69% as of June 30, 2013 to 2.11% as of June 30, 2014, resulting in a negative change of 25.09%. This indicates that the balance sheet and financial strength for The Fort Sill National Bank has had no significant changes in recent periods.

Deposit Growth


In the past year, The Fort Sill National Bank has decreased its total deposits by -$7.66 million, resulting in -2.61% 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 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. The Fort Sill National Bank has $394.15 million in assets with $49.1 million in equity, resulting in a capitalization level of 12.46%, which is excellent.

Institution Statistics

FDIC Certificate #16416
Year Established1946
Primary RegulatorOCC
Assets and Liabilities
Assets$394.15 million
Loans$106.98 million
Deposits$285.79 million
Equity Capital$46.97 million
Loan Loss Allowance$2.12 million
Unbacked Noncurrent Loans$690,000
Real Estate Owned$345,000
Historic Data - June 2013
Assets$397.55 million
Equity Capital$34.91 million
Loan Loss Allowance$3.06 million
Unbacked Noncurrent Loans$690,000
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets2.12%
Return on Equity19.74%
Interest Income$4.87 million

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The Fort Sill National Bank Savings Account Rates


The Fort Sill National Bank Money Market Rates

0.15%--Money Market

The Fort Sill National Bank Checking Account Rates

0.10%$500-Advanced Checking
0.08%$500-Career Checking
0.08%$500-Secure Rewards
0.08%$500-Basic Checking
0.08%$1k-50+ Checking
0.08%$500-NOW Account

The Fort Sill National Bank CD Rates

1.10%$500-60 Month CD
0.55%$500-30 Month CD
0.35%$500-18 Month CD
0.30%$500-12 Month CD
0.20%$500-182 Day CD
0.15%$500-30 Day CD
0.15%$500-91 Day CD

The Fort Sill National Bank IRA Rates

0.55%$500-30 Month Fixed Rate IRA
0.35%$500-18 Month Fixed Rate IRA

The Fort Sill National Bank has 80 locations. Click to view all The Fort Sill National Bank locations.