First Nb of Hooker
Hooker, Oklahoma · FDIC Cert #4123
First Nb of Hooker is an FDIC-insured bank (Certificate #4123) with $89M in total assets and $74M in total deposits as of the Q2 2024 Call Report. Headquartered in Hooker, Oklahoma, the bank maintains a Tier 1 capital ratio of 21.22% (Well-Capitalized) and a nonperforming loan ratio of 4.15%. BankHealthData assigns a composite Health Grade of B (72/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
First Nb of Hooker (FDIC cert 4123) is a community bank — $89M in total assets, $74M in deposits, serving the Hooker, Oklahoma area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 21.22% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is elevated: non-performing loan ratio of 4.15% runs above 2%, suggesting the loan book carries more credit risk than peer banks. Elevated NPL can reflect specific portfolio concentrations or broader credit-cycle pressure. Liquidity is comfortable: 30.4% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is solid: ROA of 1.31% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is mildly negative across recent quarters. Mild declines can reflect either specific quarterly events (large one-time provisions, deposit shifts) or the early stages of broader pressure. First Nb of Hooker carries a composite BankHealth grade of B (72/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: First Nb of Hooker
- Total Assets
- $89M
- Total Deposits
- $74M
- Tier 1 Capital Ratio
- 21.22%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 4.15%
- Liquidity Ratio
- 30.41%
- Return on Assets
- 1.31%
- Headquarters
- Hooker, Oklahoma
- FDIC Certificate
- #4123
- Health Grade
- B (72/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, First Nb of Hooker holds a Tier 1 capital ratio of 21.22%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning First Nb of Hooker has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
First Nb of Hooker shows strong financial health indicators. With $89M in assets and a Health Score of 72/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How First Nb of Hooker Compares
First Nb of Hooker’s Health Score of 72 is 8 points above the Oklahoma state average of 64 across 141 FDIC-insured banks. Its 21.22% Tier 1 capital ratio is 7.2 points above the US banking industry average near 14%. The 4.15% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 1.31% is in line with or above the national ROA benchmark of ~1.1%. Among 1000 similarly-sized banks, the average Health Score is 68, meaning this bank ranks above its size cohort. Site-wide, First Nb of Hooker is 2 points above the portfolio average of 70.
Frequently Asked Questions
First Nb of Hooker has a Bank Health Score of B (72/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 21.22%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. First Nb of Hooker's Tier 1 capital ratio of 21.22% and nonperforming loan ratio of 4.15% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at First Nb of Hooker is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #4123). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
First Nb of Hooker holds $89M in total assets and $74M in total deposits. It is headquartered in Hooker, Oklahoma (FDIC Certificate #4123).
First Nb of Hooker has a Tier 1 capital ratio of 21.22%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 4.15%, and the return on assets is 1.31%.
Yes. First Nb of Hooker is FDIC-insured (Certificate #4123). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
First Nb of Hooker's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.