First National Bank (OK)

Overview / Commentary
400 East First Street
Heavener, OK 74937

First National Bank (OK) is headquartered in Heavener and is the 132nd largest bank in the state of Oklahoma. It is also the 4,085th largest bank in the nation. It was established in 1910 and as of September of 2021, it had grown to 35 employees at 3 locations. First National Bank (OK) has a B+ 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 - YTD1.27%
Return on Equity - YTD15.16%
Annual Interest Income$3.5MM
Assets and Liabilities
AssetsQ3 2021vs Q3 2020$97.2MM$94.1MM
LoansQ3 2021vs Q3 2020$62.5MM$57.7MM
DepositsQ3 2021vs Q3 2020$87.0MM$81.2MM
Equity CapitalQ3 2021vs Q3 2020$8.3MM$8.2MM
Loan Loss AllowanceQ3 2021vs Q3 2020$815.00K$647.00K
Unbacked Noncurrent LoansQ3 2021vs Q3 2020$379.00K$0
Real Estate OwnedQ3 2021vs Q3 2020$0$22.00K
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First National Bank (OK) Money Market Rates

0.05%$2.5k-Hi-Fi Money Market Account

First National Bank (OK) Checking Account Rates

0.05%$1.5k-Now Account

First National Bank (OK) CD Rates

0.65%$2.5k-36 Month CD
0.55%$2.5k-30 Month CD
0.55%$50k-30 Month Peak Platinum CD
0.35%$2.5k-24 Month CD
0.30%$2.5k-18 Month CD
0.30%$50k-18 Month Peak Platinum CD
0.20%$1k-12 Month CD
0.15%$1k-6 Month CD
0.10%$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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