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
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).
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.
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.
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%).