First National Bank
Heavener, OK
IDRSSD: 195456
Total Assets
$101.53M
Latest filing
Total Deposits
$87.83M
Latest filing
Net Interest Margin
6.57%
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 01/30/2026Established 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 | 31 |
| 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 | 01/30/2026 |
| CERT | 4111 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $101.53M |
| Total Deposits | $87.83M |
| Total Liabilities | $91.93M |
| Total Equity Capital | $9.60M |
| Net Income | $399.00k |
| Net Loans and Leases | $72.48M |
| Assets Per Employee ($Millions) | $2.99M |
| Bank Premises and Fixed Assets | $3.42M |
| Cash and Balances due from Depository Institutions | $10.02M |
| Deposits Held in Domestic Offices | $87.83M |
Key Performance Ratios
| Return on Assets (ROA) | 1.54% |
| Return on Equity (ROE) | 15.71% |
| Net Interest Margin | 6.57% |
| Efficiency Ratio | 68.31% |
| Tier 1 Risk-Based Capital Ratio | 14.191% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.458% |
| Earning Assets to total Assets | 91.87% |
Income and Expense
| Total Interest Income | $1.89M |
| Total Noninterest Income | $224.00k |
| Total Interest Expense | $331.00k |
| Total Noninterest Expense | $1.22M |
| Net Interest Income | $1.56M |
| Pre-tax Net Operating Income | $566.00k |
| Provision for Credit Losses | $0 |
| 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 | $3.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $552.00k |
| All Other Liabilities | $542.00k |
| Total Liabilities and Capital | $101.53M |
Securities
| Securities | $13.73M |
| Available-for-sale debt securities | $13.73M |
| 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?
$101.53M as of the latest filing.
How much are First National Bank's total deposits?
$87.83M in total deposits.
Where is First National Bank located?
Heavener, OK.
What is the Net Interest Margin?
6.57%.
How many domestic offices does it operate?
3.
When was it established?
01/01/1910.
What is the Return on Assets (ROA)?
1.54%.
How much are total loans and leases?
$72.48M (latest filing).
What is the total interest income (latest filing)?
$1.89M.