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Frazer Bank
Altus, OK · FDIC Certificate #4031 · Chartered 01/0
Total assets
$354.25M
Total deposits
$317.12M
Total equity
$36.31M
Net loans
$193.25M
Branches (offices)
6
Net income (YTD)
$912.00K
Rank: #2,234 of 4,213 U.S. banks by assets · #71 of 168 in Oklahoma. Assets changed 1.8% and deposits 1.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.51% |
| Return on equity | 5.05% |
| Net interest margin (YTD) | 3.31% |
| Equity to assets | 10.25% |
| Tier 1 leverage ratio | 11.21% |
| Uninsured deposits (share of deposits) | 9.0% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 60.9% |
| Real estate loans (share of loans) | 76.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $147.54M | 76.3% | |
| Commercial & industrial | $24.99M | 12.9% | |
| Consumer / individual | $7.06M | 3.7% | |
| Construction & development | $17.68M | 9.1% | |
| Agricultural | $16.21M | 8.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $339.65M | $318.62M | $970.00K | $19.57M |
| Jun 2023 | $397.01M | $340.82M | $936.00K | $31.19M |
| Jun 2024 | $358.48M | $325.17M | $312.00K | $32.23M |
| Jun 2025 | $347.84M | $311.52M | $892.00K | $35.41M |
| Jun 2026 | $354.25M | $317.12M | $912.00K | $36.31M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Oklahoma | $317.12M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $317.12M.
Similar-sized banks
F&M Bank ($354.60M) · The Hocking Valley Bank ($354.02M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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