Safest Banks in Oklahoma 2026
Oklahoma has 141 FDIC-insured banks with an average Bank Health Score of 64/100 (C). The safest bank is Citizens Bank of Ada with a score of 98/100.
Data from FDIC Q2 2024
141 Oklahoma banks are ranked below by the BankHealth composite score. The composite weights Tier 1 capital ratio (35%), inverted non-performing loan ratio (30%), liquidity ratio (25%), and return on assets (10%) into a 0-100 grade.
Top-of-list banks combine strong capital with clean loan books and reasonable profitability. Bottom-of-list banks face pressure on one or more scoring factors — most often elevated NPL ratios or thin profitability margins. Each bank links to its full profile with multi-quarter trend charts, the four composite factor breakdowns, and the underlying FDIC Call Report data.
Oklahoma's 141 FDIC-insured banks hold a combined $166.3B in assets. Their average Bank Health Score of 64/100 sits 6.0 points below the national average of 70/100. Across the state, 45% of banks earn an A or B grade for financial health, while 25% fall to a D or F.
The largest bank headquartered in Oklahoma is Bokf National Assn with $50.2B in assets and a Bank Health Score of 84/100. The strongest by score is Citizens Bank of Ada in Ada (98/100, Tier 1 capital 15.91%). The weakest is Triad Bank National Assn at 10/100, dragged down by an NPL ratio of 7.09%.
All scores below come from the latest FDIC BankFind Call Report (Q2 2024). The Bank Health Score weights Tier 1 capital ratio (35%), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%) — the four metrics regulators watch most closely when judging whether a bank is well-capitalized. Every bank with FDIC insurance covers up to $250,000 per depositor per ownership category, but the score helps you tell apart banks that are comfortably well-capitalized from those operating closer to the line.
Top 3 Safest Banks in Oklahoma
Citizens Bank of Ada
Ada, OK
Oklahoma's top-rated bank, with a Tier 1 capital ratio of 15.91% — well above the federal "well-capitalized" threshold of 8%. Holds $307M in assets.
First Nb in Okeene
Okeene, OK
Second-strongest in the state on capital and loan quality. NPL ratio sits at 0.00% with $81M in total assets.
Bank of Commerce
Chelsea, OK
Third in the rankings on the Bank Health Score. Liquidity ratio of 36.77% and ROA of 2.64%.
Top 20 of 141 Banks in Oklahoma
| # | Bank | City | Grade | Score | Tier 1 Capital | NPL Ratio |
|---|---|---|---|---|---|---|
| 1 | Citizens Bank of Ada | Ada | A | 98 | 15.91% | 0.24% |
| 2 | First Nb in Okeene | Okeene | A | 98 | 28.38% | 0.00% |
| 3 | Bank of Commerce | Chelsea | A | 97 | 18.21% | 0.53% |
| 4 | Bancfirst | Oklahoma City | A | 97 | 14.71% | 0.43% |
| 5 | Bank of Grand Lake | Grove | A | 97 | 15.33% | 0.00% |
| 6 | Alva State Bank&Trust Co | Alva | A | 97 | 20.68% | 0.50% |
| 7 | Security Nb of Enid | Enid | A | 96 | 17.60% | 0.31% |
| 8 | Latimer State Bank | Wilburton | A | 96 | 68.29% | 0.62% |
| 9 | Oklahoma Bank&Trust Co | Clinton | A | 95 | 35.51% | 0.32% |
| 10 | First Nb of Fletcher | Fletcher | A | 95 | 19.71% | 0.00% |
| 11 | American Heritage Bank | Sapulpa | A | 95 | 23.93% | 0.04% |
| 12 | Oklahoma State Bank | Buffalo | A | 94 | 15.68% | 0.29% |
| 13 | Citizens B&T Co of Ardmore | Ardmore | A | 94 | 13.92% | 0.00% |
| 14 | Peoples Nb of Checotah | Checotah | A | 94 | 41.06% | 0.46% |
| 15 | Kirkpatrick Bank | Edmond | A | 92 | 13.78% | 0.00% |
| 16 | Ynb | Yukon | A | 92 | 13.74% | 0.10% |
| 17 | Rcb Bank | Claremore | A | 91 | 14.32% | 0.48% |
| 18 | Armstrong Bank | Muskogee | A | 90 | 14.46% | 0.45% |
| 19 | First Nb&T Co of Mcalester | Mcalester | A | 90 | 15.13% | 1.08% |
| 20 | Seiling State Bank | Seiling | A | 90 | 13.69% | 0.22% |
Bank Health Scores for Oklahoma are calculated from FDIC Call Report data including Tier 1 capital ratios, nonperforming loan ratios, liquidity ratios, and return on assets.
Frequently Asked Questions
Based on our Bank Health Score analysis of FDIC data, Citizens Bank of Ada in Ada is currently the safest bank in Oklahoma with a score of 98/100 (Grade A). It posts a Tier 1 capital ratio of 15.91% and a nonperforming loan ratio of 0.24%.
Oklahoma has 141 FDIC-insured banks with a combined $166.3B in total assets. The average Bank Health Score across the state is 64/100 (Grade C).
Oklahoma's average Bank Health Score of 64/100 is 6.0 points below the national average of 70/100. 45% of banks in Oklahoma earn an A or B grade, compared with the national average grade of B.
Of 141 FDIC-insured banks headquartered in Oklahoma, 37 earn an A, 26 a B, 43 a C, 25 a D, and 10 an F. The most common grade is C.
The Bank Health Score (0-100) is based on four FDIC-reported metrics: Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%). Higher scores indicate stronger financial health. Every score uses the latest FDIC Call Report data.
Bank Health Scores are computed from quarterly FDIC Call Report data. Tier 1 capital ratio (35%), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).