First National Bank (OK)

Overview / Commentary
400 East First Street
Heavener, OK 74937

First National Bank (OK) is headquartered in Heavener and is the 140th largest bank in the state of Oklahoma. It is also the 4,254th largest bank in the nation. It was established in 1910 and as of December of 2019, it had grown to 38 employees at 3 locations. First National Bank (OK) has an A health rating.


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. First National Bank (OK) has a relatively low asset base.

Health Grade Components

FDIC Certificate #4111
Year Established1910
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1.22%
Return on Equity - YTD13.45%
Annual Interest Income$4.6MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$83.6MM$80.0MM
LoansQ4 2019vs Q4 2018$56.8MM$54.5MM
DepositsQ4 2019vs Q4 2018$71.6MM$66.8MM
Equity CapitalQ4 2019vs Q4 2018$7.3MM$7.2MM
Loan Loss AllowanceQ4 2019vs Q4 2018$599.00K$552.00K
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$0$213.00K
Real Estate OwnedQ4 2019vs Q4 2018$172.00K$25.00K
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First National Bank (OK) Money Market Rates

0.20%$2.5k-Hi-Fi Money Market Account

First National Bank (OK) Checking Account Rates

0.15%$1.5k-Now Account

First National Bank (OK) CD Rates

1.16%$2.5k-36 Month CD
1.00%$2.5k-30 Month CD
1.00%$50k-30 Month Peak Platinum CD
0.90%$2.5k-24 Month CD
0.80%$2.5k-18 Month CD
0.80%$50k-18 Month Peak Platinum CD
0.70%$1k-12 Month CD
0.70%$50k-12 Month Peak Platinum CD
0.65%$1k-6 Month CD
0.25%$1k-3 Month CD

First National Bank (OK) Locations
Poteau Branch3104 North BroadwayPoteau, OK 74953
First National Bank400 East First StreetHeavener, OK 74937
West Branch602 West First StreetHeavener, OK 74937

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