Updated April 2026 · FDIC Call Report Q2 2024

C-Rated Banks in Oklahoma

43 banks · Average score: 59/100 · Combined assets $59.7B

43 banks in this state currently hold C grades, averaging a composite score of 59/100. Within the tier, individual bank profiles still vary materially on which factor is driving the grade — review the table below for the per-bank breakdown. The tier averages a Tier 1 capital ratio of 5.47% and an NPL ratio of 1.71%, sourced from the most recent FDIC quarterly Call Report.

43 Oklahoma banks hold a C grade, averaging 59/100. C-grade banks track close to peer medians — neither standouts nor distressed, but with less cushion against credit-cycle pressure than A-or-B-grade peers.

State-and-grade combinations help depositors and policy researchers identify clusters of banking health (or stress) within a specific geography. The list below ranks Oklahoma C-grade banks by health score with links to each bank's full profile.

A B C D F

What "C" Means in Practice

C-graded banks in Oklahoma are middle-of-the-pack institutions — composite scores of 50–64 — with at least one factor running notably weaker than peers. Currently 43 banks chartered in Oklahoma carry C grades. The pattern usually reflects either thinner-than-average capital, elevated NPL ratios, or compressed return on assets. Not crisis territory, but a tier where individual bank-level review is warranted.

For depositors: C-graded institutions are not in trouble, but they have at least one weaker factor than peers. FDIC insurance still protects deposits up to $250,000 per depositor, per insured bank, per ownership category. Depositors with combined balances above the limit should verify exact coverage using FDIC's EDIE calculator at FDIC.gov.

Tier-Wide Snapshot in Oklahoma

Banks in this grade tier	43
Combined assets	$59.7B
Average composite score	59/100
Average Tier 1 capital ratio	5.47%
Average NPL ratio	1.71%

All C-Graded Banks in Oklahoma

#	Bank	City	Score	Assets	Tier 1 Capital	NPL Ratio	Liquidity
1	First Bank of Okarche	Okarche	64	$137M	0.00%	0.10%	66.95%
2	First Bank&Trust Co	Perry	64	$230M	0.00%	0.22%	36.94%
3	Gateway First Bank	Jenks	64	$2.0B	13.30%	2.87%	16.73%
4	Old Glory Bank	Elmore City	64	$140M	84.87%	4.32%	75.46%
5	Sooner State Bank	Tuttle	64	$303M	0.00%	0.00%	33.36%
6	Chickasaw Community Bank	Oklahoma City	63	$416M	13.23%	0.13%	7.87%
7	Walters Bank&Trust Co	Walters	63	$66M	0.00%	0.31%	50.63%
8	American Exc Bk Lindsay Ok	Lindsay	63	$89M	0.00%	0.00%	58.32%
9	Mccurtain County Nb	Broken Bow	63	$356M	0.00%	0.34%	42.45%
10	Interbank	Oklahoma City	63	$4.5B	10.78%	1.02%	9.98%
11	First State Bank in Temple	Temple	63	$26M	0.00%	0.00%	70.60%
12	Allnations Bank	Calumet	62	$67M	14.15%	10.15%	27.83%
13	Cleo State Bank	Cleo Springs	62	$115M	0.00%	0.45%	49.55%
14	Stock Exchange Bank	Woodward	62	$293M	0.00%	0.22%	52.00%
15	Regent Bank	Tulsa	62	$1.6B	10.13%	1.23%	15.85%
16	Great Plains National Bank	Elk City	61	$1.7B	10.28%	0.74%	10.87%
17	Farmers&Merchants Nb Fairvie	Fairview	61	$116M	0.00%	0.06%	54.67%
18	Shamrock Bank N A	Coalgate	61	$453M	0.00%	0.03%	40.10%
19	Firstbank	Antlers	60	$619M	0.00%	0.22%	28.79%
20	First Farmers Nb of Waurika	Waurika	60	$52M	0.00%	0.25%	73.10%
21	First Bethany Bank&Trust	Bethany	60	$293M	0.00%	0.00%	36.80%
22	State Bank of Wynnewood	Wynnewood	60	$109M	0.00%	0.00%	54.62%
23	Banccentral National Assn	Alva	59	$280M	14.47%	22.21%	49.62%
24	Spiritbank	Tulsa	59	$766M	13.06%	3.03%	18.92%
25	Bank of Western Oklahoma	Elk City	59	$385M	10.91%	2.43%	14.64%
26	F&M Bank	Edmond	58	$747M	0.00%	0.73%	28.57%
27	Fsnb National Assn	Lawton	58	$459M	0.00%	1.23%	58.12%
28	First Nb&T Co of Ardmore	Ardmore	58	$677M	0.00%	0.37%	33.59%
29	Fnb Coweta	Coweta	58	$107M	0.00%	0.80%	53.29%
30	Mcclain Bank	Purcell	58	$269M	0.00%	0.56%	26.32%
31	Bank National Assn	Mcalester	57	$445M	0.00%	0.87%	40.47%
32	Washita State Bank	Burns Flat	56	$53M	0.00%	1.29%	49.60%
33	First Nb&T Co Chickasha Ok	Chickasha	56	$1.0B	0.00%	1.28%	45.49%
34	Cattlemens Bank	Altus	55	$531M	10.56%	1.11%	7.36%
35	Spiro State Bank	Spiro	55	$72M	0.00%	0.07%	72.11%
36	All America Bank	Oklahoma City	55	$612M	11.83%	2.83%	15.37%
37	Carson Community Bank	Stilwell	55	$174M	0.00%	0.73%	36.51%
38	American Nation Bank	Ardmore	55	$662M	0.00%	0.57%	25.50%
39	Welch Stb of Welch Okla	Welch	55	$423M	0.00%	0.44%	25.53%
40	Payne County Bank	Perkins	52	$252M	0.00%	0.59%	21.15%
41	First American Bank	Stonewall	52	$35M	0.00%	0.54%	20.13%
42	Fairview Savings&Loan Assn	Fairview	51	$54M	0.00%	0.00%	16.46%
43	Midfirst Bank	Oklahoma City	50	$37.9B	17.60%	9.18%	13.81%

For Depositors at C-Graded Banks

FDIC insurance — not the bank's grade — guarantees deposits up to $250,000 per depositor, per insured bank, per ownership category. Verify your bank's status and your specific coverage at FDIC.gov. The Bank Health Score and grade describe regulatory cushion in relative terms; insurance describes guaranteed protection.

For combined balances above $250,000 at a single bank, the FDIC's Electronic Deposit Insurance Estimator (EDIE) calculates exactly which dollars are insured. Account titling — joint, individual, retirement, payable-on-death — affects coverage. Federal regulators including the OCC publish the rules; FDIC.gov is the authoritative consumer source.

How These Grades Are Calculated

Every bank earns a Bank Health Score from four FDIC Call Report inputs: Tier 1 capital ratio (35%), NPL ratio inverted (30%), liquidity ratio (25%), and return on assets (10%). The 0–100 composite maps to A (80+), B (65–79), C (50–64), D (35–49), and F (under 35). Data flows from the FDIC BankFind API and the FFIEC Call Report archive. Read the full methodology.

Frequently Asked Questions

What does a C grade mean for a bank?

How many C-graded banks are in Oklahoma?

What does this tier look like financially?

Across 43 C-graded banks in Oklahoma, the average Tier 1 capital ratio is 5.47% and the average nonperforming-loan ratio is 1.71%. Combined assets in this cohort total $59.7B. These numbers come straight from the most recent quarterly FDIC Call Report.

Are deposits at C-graded banks still FDIC-insured?

Where does this data come from?

Bank financials are pulled from the FDIC BankFind API, which sources directly from quarterly Call Reports filed with the FFIEC. Health Scores are computed from a transparent four-factor formula using public Call Report fields. All FDIC and FFIEC data is U.S. government public domain.

All banks in Oklahoma →All grade C banks nationwide →Healthiest Banks →Methodology →

Sources: FDIC BankFind API ( banks.data.fdic.gov); FFIEC Call Reports ( cdr.ffiec.gov/public); OCC ( occ.gov). Public domain.

Last updated 2026-04-06 · 43 C-graded banks in Oklahoma. Informational only; not investment advice. Verify FDIC insurance directly at FDIC.gov.