First National Bank is a bank based in Heavener, Oklahoma, established in 1910, with $104 million in total assets across 3 branches. By Trust Grade it ranks 101st of 170 banks we track in Oklahoma. Its capital ratio of 9.6% trails most similarly sized banks (41th percentile), versus a Oklahoma median of 10.4%. It was profitable over the most recent period, with a 1.61% return on assets. No consumer complaints against First National Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How First National Bank compares to Oklahoma peers
How we graded First National Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (9.6% capital ratio)
- Strongly profitable (ROA 1.61%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for First National Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (3)
- 602 W 1st St, Heavener, OK 74937
- 400 E 1st St, Heavener, OK 74937
- 3104 N Broadway St, Poteau, OK 74953
Are deposits at First National Bank insured?
Yes. First National Bank is an FDIC-insured bank (FDIC certificate #4111). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
First National Bank: frequently asked questions
Is First National Bank a good bank?
First National Bank earns a Bankzia Trust Grade of A (96/100, "Excellent"), based on a financial-strength score of 96/100 (it has no CFPB complaints on record). Strongly capitalized (9.6% capital ratio); Strongly profitable (ROA 1.61%).
Is First National Bank FDIC-insured?
Yes. First National Bank is a FDIC-insured bank (FDIC certificate #4111). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is First National Bank?
First National Bank holds $104 million in total assets, ranking 101st of 170 banks we track in Oklahoma. It operates 3 branches.
Does First National Bank have CFPB complaints?
No CFPB complaints against First National Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
