Safest Banks in Oklahoma 2026
Oklahoma has 141 FDIC-insured banks with an average Bank Health Score of 77/100 (B). The safest bank is Walters Bank&Trust Co 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 77/100 sits 3.0 points below the national average of 80/100. Across the state, 76% of banks earn an A or B grade for financial health, while 4% 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 Walters Bank&Trust Co in Walters (98/100, Tier 1 capital 20.45%). The weakest is Triad Bank National Assn at 35/100, 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
Walters Bank&Trust Co
Walters, OK
Oklahoma's top-rated bank, with a Tier 1 capital ratio of 20.45% — well above the federal "well-capitalized" threshold of 8%. Holds $66M in assets.
Citizens Bank of Ada
Ada, OK
Second-strongest in the state on capital and loan quality. NPL ratio sits at 0.24% with $307M in total assets.
First Nb in Okeene
Okeene, OK
Third in the rankings on the Bank Health Score. Liquidity ratio of 51.43% and ROA of 1.48%.
Top 20 of 141 Banks in Oklahoma
| # | Bank | City | Grade | Score | Tier 1 Capital | NPL Ratio |
|---|---|---|---|---|---|---|
| 1 | Walters Bank&Trust Co | Walters | A | 98 | 20.45% | 0.31% |
| 2 | Citizens Bank of Ada | Ada | A | 98 | 15.91% | 0.24% |
| 3 | First Nb in Okeene | Okeene | A | 98 | 28.38% | 0.00% |
| 4 | First State Bank in Temple | Temple | A | 98 | 20.94% | 0.00% |
| 5 | Bank of Commerce | Chelsea | A | 97 | 18.21% | 0.53% |
| 6 | Bancfirst | Oklahoma City | A | 97 | 14.71% | 0.43% |
| 7 | Cleo State Bank | Cleo Springs | A | 97 | 15.55% | 0.45% |
| 8 | Stock Exchange Bank | Woodward | A | 97 | 17.20% | 0.22% |
| 9 | Bank of Grand Lake | Grove | A | 97 | 15.33% | 0.00% |
| 10 | Alva State Bank&Trust Co | Alva | A | 97 | 20.68% | 0.50% |
| 11 | First Bank of Okarche | Okarche | A | 96 | 13.73% | 0.10% |
| 12 | Security Nb of Enid | Enid | A | 96 | 17.60% | 0.31% |
| 13 | Latimer State Bank | Wilburton | A | 96 | 68.29% | 0.62% |
| 14 | Mccurtain County Nb | Broken Bow | A | 96 | 14.44% | 0.34% |
| 15 | Oklahoma Bank&Trust Co | Clinton | A | 95 | 35.51% | 0.32% |
| 16 | First Nb of Fletcher | Fletcher | A | 95 | 19.71% | 0.00% |
| 17 | American Heritage Bank | Sapulpa | A | 95 | 23.93% | 0.04% |
| 18 | First Farmers Nb of Waurika | Waurika | A | 95 | 18.86% | 0.25% |
| 19 | Oklahoma State Bank | Buffalo | A | 94 | 15.68% | 0.29% |
| 20 | Citizens B&T Co of Ardmore | Ardmore | A | 94 | 13.92% | 0.00% |
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, Walters Bank&Trust Co in Walters is currently the safest bank in Oklahoma with a score of 98/100 (Grade A). It posts a Tier 1 capital ratio of 20.45% and a nonperforming loan ratio of 0.31%.
Oklahoma has 141 FDIC-insured banks with a combined $166.3B in total assets. The average Bank Health Score across the state is 77/100 (Grade B).
Oklahoma's average Bank Health Score of 77/100 is 3.0 points below the national average of 80/100. 76% of banks in Oklahoma earn an A or B grade, compared with the national average grade of A.
Of 141 FDIC-insured banks headquartered in Oklahoma, 66 earn an A, 41 a B, 28 a C, 6 a D, and 0 an F. The most common grade is B.
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%).