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FSNB, National Association

Lawton, OK
IDRSSD: 125154
Total Assets
$473.58M
Latest filing
Total Deposits
$361.48M
Latest filing
Net Interest Margin
3.86%
Profitability
0

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 ClassCommercial bank, national (federal) charter, Fed member, and supervised by the OCC
Primary RegulatorOCC
Established Date07/01/1946
Community BankYes
Ownership TypeNot Mutual
ZIP73501
State and County Number40031
Subchapter S CorporationsYes
Trust PowersFull Trust Powers Granted
Federal Reserve ID Number10
Numeric code3
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictDallas
Core Based Statistical Area NameLawton, OK

Operational Info

Number of Employees570
Domestic Offices72
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date08/31/2022
Date of Deposit Insurance07/01/1946
Primary Insurance AgencyDIF
Websitewww.fsnb.com
Data Updated11/14/2025
CERT16416
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$473.58M
Total Deposits$361.48M
Total Liabilities$396.07M
Total Equity Capital$77.51M
Net Income$5.79M
Net Loans and Leases$148.05M
Assets Per Employee ($Millions)$0.82M
Bank Premises and Fixed Assets$16.50M
Cash and Balances due from Depository Institutions$26.02M
Deposits Held in Domestic Offices$361.48M

Key Performance Ratios

Return on Assets (ROA)4.9%
Return on Equity (ROE)31.14%
Net Interest Margin3.86%
Efficiency Ratio66.5%
Tier 1 Risk-Based Capital Ratio0%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0.35%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets16.367%
Earning Assets to total Assets88.16%

Income and Expense

Total Interest Income$4.37M
Total Noninterest Income$11.75M
Total Interest Expense$373.00k
Total Noninterest Expense$10.47M
Net Interest Income$4.00M
Pre-tax Net Operating Income$4.86M
Provision for Credit Losses$415.00k
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
Other Real Estate Owned$3.05M
Other borrowed funds$20.48M
Federal Funds Sold & Reverse Repurchase Agreement$0
Federal Funds Purchased and Repurchased Agreement$0
All Other Liabilities$14.11M
Total Liabilities and Capital$473.58M

Securities

Securities$260.12M
Available-for-sale debt securities$180.13M
Equity securities with readily determinable fair values not held for trading$0
Held-to-maturity securities$69.02M
Subordinated Debt$0
Trading Account Assets$0
Trading Liabilities$0

Frequently Asked Questions

What are the total assets of FSNB, National Association?
$473.58M as of the latest filing.
How much are FSNB, National Association's total deposits?
$361.48M in total deposits.
Where is FSNB, National Association located?
Lawton, OK.
What is the Net Interest Margin?
3.86%.
How many domestic offices does it operate?
72.
When was it established?
07/01/1946.
What is the Return on Assets (ROA)?
4.9%.
How much are total loans and leases?
$148.05M (latest filing).
What is the total interest income (latest filing)?
$4.37M.