Tulsa National Bank

Tulsa National Bank is headquartered in Tulsa and is the 90^th largest bank in the state of Oklahoma. It is also the 3,573^rd largest bank in the nation. It was established in 1984 and as of March of 2012, it had grown to 31 employees at 1 location. Tulsa National Bank's CD rates are 11% higher than the national average, and it has a 3-star health rating.

Tulsa National Bank Routing Number: 103903486

Tulsa National Bank CD Rates

Data for Q1 2012

Institution Statistics Tulsa National Bank FDIC Certificate # 25806 BankRate Report View Year Established 1984 Employees 31 Primary Regulator OCC Assets and Liabilities Assets $167.72 million Loans $116.26 million Deposits $136.43 million Equity Capital $18.88 million Loan Loss Allowance $3.23 million Unbacked Noncurrent Loans $9.07 million Real Estate Owned $1.84 million Historic Data - March 2011 Assets $171.48 million Equity Capital $18.57 million Loan Loss Allowance $2.85 million Unbacked Noncurrent Loans $4.01 million Real Estate Owned $3.26 million Profit Margin - Quarterly Net Interest Margin 3.62% Return on Assets 0.35% Return on Equity 3.23% Interest Income $1.86 million

Institution Health Overall Score: 3 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 Tulsa National Bank had $10.9 million in non-current loans and owned real-estate with $22.11 million in equity and loan loss allowances on hand to cover it. This gives Tulsa National Bank a Texas Ratio of 49.31% 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 Tulsa National Bank increased slightly from 33.74% as of March 31, 2011 to 49.31% as of March 31, 2012, resulting in a negative change of 46.14%. This indicates that the balance sheet and financial strength for Tulsa National Bank has declined slightly in recent periods. Deposit Growth In the past year, Tulsa National Bank has decreased its total deposits by -$1.58 million, resulting in -1.14% 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 Tulsa National Bank has shown is below average. 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. Tulsa National Bank has $167.72 million in assets with $22.11 million in equity, resulting in a capitalization level of 13.18%, which is excellent.

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