🏦Bank Scorer

FSNB, NATIONAL ASSOCIATION

LAWTON, OK · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1946FDIC #16,416
Outstanding Up

Current rating · Exam: May 2025

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 2.78%

Institution Profile

FDIC BankFind

Address

1420 Sw Lee Blvd, LAWTON, OK

County

Comanche County

Established

July 1, 1946

Total Assets

$471M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

May 19, 2025

Exam Type

Intermediate Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:May 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$471M

Total Deposits

$378M

Net Loans

$142M

Net Income

$3M

ROA

2.78%

ROE

16.70%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate37.14%Peer avg: 7.63%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

72

Branch Deposits

$364M

1-Year Change

-4

5-year net change: -16 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20193531.43%37.14%
20183852.63%31.58%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

6 previous ratings locked — dating back to 1998

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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