First Nb of Lindsay
Lindsay, Oklahoma · FDIC Cert #4134
This is the FDIC profile for First Nb of Lindsay, an FDIC-insured bank (Certificate #4134) with $108M in total assets and $98M in total deposits per its most recent FDIC Call Report filing (Q2 2024). Headquartered in Lindsay, Oklahoma, the bank maintains a Tier 1 capital ratio of 9.48% (Well-Capitalized) and a nonperforming loan ratio of 2.04%. BankHealthData assigns a composite Health Grade of C (63/100) based on quarterly FDIC filings. All deposits up to $250,000 per depositor per ownership category are FDIC insured.
First Nb of Lindsay (FDIC cert 4134) is a community bank — $108M in total assets, $98M in deposits, serving the Lindsay, 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 adequate: Tier 1 capital ratio of 9.48% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is elevated: non-performing loan ratio of 2.04% 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 in the normal range: 22.5% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is solid: ROA of 1.32% 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 Lindsay carries a composite BankHealth grade of C (63/100) 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 Lindsay
- Total Assets
- $108M
- Total Deposits
- $98M
- Tier 1 Capital Ratio
- 9.48%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 2.04%
- Liquidity Ratio
- 22.50%
- Return on Assets
- 1.32%
- Headquarters
- Lindsay, Oklahoma
- FDIC Certificate
- #4134
- Health Grade
- C (63/100)
- Latest Call Report
- Q2 2024
FDIC Filings & Call Report Data
First Nb of Lindsay files quarterly Call Reports with the FDIC under Certificate #4134. The figures on this page reflect the Q2 2024 Call Report, which is the most recent FDIC filing currently available. Historical filings and Uniform Bank Performance Reports (UBPR) are accessible directly from the FDIC BankFind directory and the FFIEC Central Data Repository.
Track First Nb of Lindsay
Subscribe for BankHealthData updates by email. No spam, unsubscribe anytime.
Capital & Safety Analysis
According to FDIC financial data, First Nb of Lindsay holds a Tier 1 capital ratio of 9.48%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning First Nb of Lindsay has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
First Nb of Lindsay shows average financial health. While not alarming, its Health Score of 63/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
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 Lindsay Compares
First Nb of Lindsay’s Health Score of 63 is 14 points below the Oklahoma state average of 77 across 141 FDIC-insured banks. Its 9.48% Tier 1 capital ratio is 4.5 points below the US banking industry average near 14%. The 2.04% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 1.32% is in line with or above the national ROA benchmark of ~1.1%. Among 1148 similarly-sized banks, the average Health Score is 82, meaning this bank ranks below its size cohort. Site-wide, First Nb of Lindsay is 17 points below the portfolio average of 80.
Frequently Asked Questions
First Nb of Lindsay has a Bank Health Score of C (63/100), placing it in average financial health. It holds a Tier 1 capital ratio of 9.48%, 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 Lindsay's Tier 1 capital ratio of 9.48% and nonperforming loan ratio of 2.04% indicate an average 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 Lindsay is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #4134). 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 Lindsay holds $108M in total assets and $98M in total deposits. It is headquartered in Lindsay, Oklahoma (FDIC Certificate #4134).
First Nb of Lindsay's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #4134 and available through the FDIC BankFind directory and the FFIEC Central Data Repository. The data on this page reflects the Q2 2024 Call Report.
First Nb of Lindsay has a Tier 1 capital ratio of 9.48%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 2.04%, and the return on assets is 1.32%.
Yes. First Nb of Lindsay is FDIC-insured (Certificate #4134). 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 C grade on our Bank Health Score means 55-69/100 — average across capital, loan quality, and profitability. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
First Nb of Lindsay's metrics are around average for the industry. There's no urgent action needed for FDIC-insured deposits, but it's worth monitoring quarterly updates. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.