FSNB, National Association: how it compares with its peers
Against 67 OK banks with half to twice its assets, FSNB, National Association's strongest measure in Q2 2026 is return on assets (3.46% vs. a 1.37% peer median). Its weakest relative measure is assets per employee ($838K vs. $6.9M).
| Measure | FSNB, National Association | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 3.46% | 1.37% | Top third Ahead of 100% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.72% | 4.18% | Bottom third Ahead of 22% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 74.07% | 59.98% | Bottom third Ahead of 21% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $838K | $6.9M | Bottom third Ahead of 0% of peers |
| Loans to deposits Net loans and leases over total deposits. | 39.17% | 78.15% | Context |
What it means for lending operations
Its efficiency ratio of 74.07% is above the 59.98% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Ameristate Bank Atoka, OK · $478M
- FNB Community Bank Midwest City, OK · $480M
- Bank of Western Oklahoma Elk City, OK · $470M
- The Bank, National Association Mcalester, OK · $488M
- Local Bank Hulbert, OK · $463M
- Shamrock Bank, N.A. Coalgate, OK · $501M
Questions about FSNB, National Association
How big is FSNB, National Association?
FSNB, National Association, established in 1946, is headquartered in Lawton, OK. It reported $478M in total assets in its Q2 2026 FDIC call report and operates 68 offices.
What is FSNB, National Association's return on assets?
3.46% annualized in Q2 2026, against a 1.37% median for 67 OK banks with half to twice its assets, ahead of 100% of them.
What is FSNB, National Association's efficiency ratio?
74.07% in Q2 2026: it spent about 74 cents in noninterest expense for each dollar of revenue. The peer median is 59.98%, and lower is better.
Is FSNB, National Association growing its loans?
Net loans shrank 2.9% over the year to Q2 2026, while deposits grew 1.5%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are OK banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Oklahoma bank ranked.