How Big Is First Nb of Fletcher?
First Nb of Fletcher holds $22M in total assets and $20M in deposits, making it a small bank by U.S. standards. By total assets it is the 3,904th-largest of the 3,960 FDIC-insured banks we track. Those figures come from First Nb of Fletcher's latest FDIC call report (cert #4098); it is one of the smallest FDIC-insured institutions, with under $100 million in assets.
This page answers a common banking-safety question: How Big Is First Nb of Fletcher?. The answer draws on FDIC Call Report filings, the quarterly disclosure every FDIC-insured bank submits covering capital, assets, loans, deposits, and earnings. Call Report data is one of the most comprehensive bank-level public-records systems in the U.S. financial system. Why this matters for depositors: most U.S. consumer deposits are FDIC-insured up to $250,000 per depositor per insured bank, so bank failure does not directly threaten typical retail deposits within that limit. But the bank-health analysis is still useful for above-limit deposits (small businesses, treasurers, high-net-worth depositors) and for understanding the broader stability of regional banking.
The detailed answer below uses the actual FDIC Call Report numbers, explains how to read them, and translates the regulatory accounting into the depositor-relevant interpretation of the question.
First Nb of Fletcher Size at a Glance
- Total assets
- $22M
- Total deposits
- $20M
- Domestic deposits
- $20M
- Size class
- small bank
- Rank by assets
- #3,904 of 3,960
- Headquarters
- Fletcher, Oklahoma
Source: FDIC Call Report data (cert #4098). Figures reflect the latest reported quarter.
With $22M in total assets, First Nb of Fletcher is one of the smallest FDIC-insured institutions, with under $100 million in assets. Nationally, that makes it the 3,904th-largest of the 3,960 FDIC-insured banks we track. The bank funds those assets largely with $20M in customer deposits — a typical structure for a U.S. bank, where deposits are the primary funding source for lending.
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 19.71% | 100/100 |
| Nonperforming Loan Ratio | 0.00% | 100/100 |
| Liquidity Ratio | 65.88% | 100/100 |
| Return on Assets | 0.78% | 51/100 |
| Total Assets | $0.0B | |
How does First Nb of Fletcher compare?
With a Bank Health Score of 95/100, First Nb of Fletcher sits 25.0 points above the national average of 70/100 for FDIC-insured banks. Within Oklahoma, where 141 FDIC-insured banks are headquartered, First Nb of Fletcher ranks above the state average of 64/100 (Grade C).
The bank's Tier 1 capital ratio of 19.71% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.00% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, First Nb of Fletcher's Bank Health Score improved by 36.0 points to 95/100. Tier 1 capital strengthened by 19.71 percentage points to 19.71%. Quarter-over-quarter, the score rose by 35.0 points.
Frequently Asked Questions
First Nb of Fletcher holds $22M in total assets and $20M in deposits, making it a small bank by U.S. standards. By total assets it is the 3,904th-largest of the 3,960 FDIC-insured banks we track. Those figures come from First Nb of Fletcher's latest FDIC call report (cert #4098); it is one of the smallest FDIC-insured institutions, with under $100 million in assets.
First Nb of Fletcher ranks 3,904th by total assets out of the 3,960 FDIC-insured banks BankHealth tracks. Its $22M in assets classify it as a small bank.
First Nb of Fletcher reports $22M in total assets and $20M in total deposits ($20M of it domestic). Total assets include loans, securities, and cash the bank owns; deposits are the money customers have placed with the bank. Deposits are typically a bank's largest funding source, and FDIC insurance covers each depositor up to $250,000 per ownership category.
Size and safety are different things. A bank's size (total assets) measures scale, not health — small banks and large banks can each be financially strong or weak. First Nb of Fletcher earns a Bank Health Score of 95/100 (grade A) on capital, loan quality, liquidity, and profitability, independent of its $22M asset base. For deposits within the $250,000 FDIC limit, size does not change your insurance protection.
Yes. First Nb of Fletcher (FDIC certificate #4098) is FDIC-insured, meaning each depositor is covered up to $250,000 per ownership category if the bank fails. FDIC insurance protects checking, savings, money market, and CD deposits — it does not cover stocks, bonds, mutual funds, or annuities.
More about First Nb of Fletcher
First Nb of Fletcher holds $22M in total assets and $20M in deposits, making it a small bank by U.S. standards. By total assets it is the 3,904th-largest of the 3,960 FDIC-insured banks we track. Those figures come from First Nb of Fletcher's latest FDIC call report (cert #4098); it is one of the smallest FDIC-insured institutions, with under $100 million in assets.