First National Bank
Heavener, OK
IDRSSD: 195456
Total Assets
$103.92M
Latest filing
Total Deposits
$93.35M
Latest filing
Net Interest Margin
6.44%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
First National Bank
400 E 1st St
Heavener, OK 74937
Full Service - Brick and Mortar
Updated 04/10/2026Established 01/01/1910FDIC Certificate 2681
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| First National Bank (Main) | 400 E 1st St | Heavener, OK |
| WEST BRANCH | 602 W 1st St | Heavener, OK |
| POTEAU BRANCH | 3104 N Broadway St | Poteau, OK |
Showing 2 of 2
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 01/01/1910 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 74937 |
| State and County Number | 40079 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 10 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 34 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.okfnb.com |
| Data Updated | 04/10/2026 |
| CERT | 4111 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $103.92M |
| Total Deposits | $93.35M |
| Total Liabilities | $93.93M |
| Total Equity Capital | $9.99M |
| Net Income | $413.00k |
| Net Loans and Leases | $72.15M |
| Assets Per Employee ($Millions) | $3.25M |
| Bank Premises and Fixed Assets | $3.28M |
| Cash and Balances due from Depository Institutions | $12.46M |
| Deposits Held in Domestic Offices | $93.35M |
Key Performance Ratios
| Return on Assets (ROA) | 1.61% |
| Return on Equity (ROE) | 16.86% |
| Net Interest Margin | 6.44% |
| Efficiency Ratio | 68.08% |
| Tier 1 Risk-Based Capital Ratio | 14.644% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.04% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.613% |
| Earning Assets to total Assets | 92.04% |
Income and Expense
| Total Interest Income | $1.85M |
| Total Noninterest Income | $220.00k |
| Total Interest Expense | $331.00k |
| Total Noninterest Expense | $1.19M |
| Net Interest Income | $1.52M |
| Pre-tax Net Operating Income | $546.00k |
| Provision for Credit Losses | $10.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $575.00k |
| Total Liabilities and Capital | $103.92M |
Securities
| Securities | $14.23M |
| Available-for-sale debt securities | $14.23M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First National Bank?
$103.92M as of the latest filing.
How much are First National Bank's total deposits?
$93.35M in total deposits.
Where is First National Bank located?
Heavener, OK.
What is the Net Interest Margin?
6.44%.
How many domestic offices does it operate?
3.
When was it established?
01/01/1910.
What is the Return on Assets (ROA)?
1.61%.
How much are total loans and leases?
$72.15M (latest filing).
What is the total interest income (latest filing)?
$1.85M.