FSNB, National Association

Headquarters

1420 Sw Lee Blvd
Lawton, OK 73501
See all branch locations →

Notable Rates	APY	Vs.Others
Savings	0.10%	4.60% →
1-Year CD	0.30%	4.59% →
2-Year CD	N.A.	4.25% →
5-Year CD	0.50%	4.15% →
30-Year Mortgage	N.A.	4.91% →
15-Year Mortgage	N.A.	4.39% →
HELOC	N.A.	0.99% →

Overview
Deposit Rates
Loan Rates
Branches
Climate
Financial Details
FAQs
Reviews

2025 Overview

General Bank Information

FSNB, National Association is an FDIC insured institution located in Lawton, OK. It was founded in 1946 and has approximately $0.46 billion in assets. Customers can open an account at one of its 88 branches.


FDIC Insured	Yes
FDIC Certificate	# 16416
Date Established	1946
Assets	$ 463.08 million
Loans	$ 155.08 million
Deposits	$ 374.90 million
Capital	$ 71.25 million

For a more detailed analysis of FSNB, National Association's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - April 15, 2025

Your Current Location: South Carolina, SC 10007

Savings and Money Market Rates	APY	MIN	MAX
Savings	0.10%	$2,500	$4,999	Learn More Reviews

CD Rates	APY	MIN	MAX
6 Mo CD	0.20%	$10,000	$14,999	Learn More Reviews
6 Mo CD	0.20%	$100,000	$199,999	Learn More Reviews
12 Mo CD	0.30%	$10,000	$14,999	Learn More Reviews
12 Mo CD	0.30%	$100,000	$199,999	Learn More Reviews
18 Mo CD	0.35%	$10,000	$14,999	Learn More Reviews
18 Mo CD	0.35%	$100,000	$199,999	Learn More Reviews
30 Mo CD	0.35%	$10,000	$14,999	Learn More Reviews
30 Mo CD	0.35%	$100,000	$199,999	Learn More Reviews
60 Mo CD	0.50%	$10,000	$14,999	Learn More Reviews
60 Mo CD	0.50%	$100,000	$199,999	Learn More Reviews

Int Checking Rates	APY	MIN	MAX
Int Ckg	0.05%	$2,500	$3,499	Learn MoreShow Less

Loan Rates - April 15, 2025

Your Current Location: South Carolina, SC 10007

There are currently no loan rates available for FSNB, National Association

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - South Carolina 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Monthly Payment	Learn More
NMLS ID: 2578474	6.493%	6.375% 0.88 points $3,949 fees	$1,997	Learn More
NMLS ID: 1067	6.686%	6.625% 0.63 points $2,035 fees	$2,049	Learn More
NMLS ID: 757416	6.720%	6.624% 1.00 points $3,178 fees	$2,049	Learn More
NMLS ID: 1025894	6.735%	6.625% 0.88 points $3,625 fees	$2,049	Learn More

See More Mortgage Rates →

Featured - South Carolina Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Third Federal Savings and Loan See Table	Intro APR 6.990 % After Intro: 6.990 %	$0	Learn More More Info
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com. Third Federal rate are typically 20% lower than other leaders Guaranteed Lowest Rate No closing costs, prepayment penalties, or minimum draw requirements 10 year draw period
Figure Home Equity See Table	Intro APR 7.300 % After Intro: 7.300 %	$15,000	Learn More More Info
Available APRs range from 6.65% - 15.40*, which includes the payment of a higher origination fee in exchange for a reduced interest rate, which is not available to all applicants or in all states.(the advertised APR includes a combined 0.25% discount for opting into a credit union membership (0%) and enrolling in autopay (0.25%) as well as payment of higher origination fee in exchange for a reduced rate, which is not available to all applicants or in all states). The lowest APRs are only available to the most qualified applicants, depending on credit profile and the state where the property is located, and those who also select five year loan terms; APRs will be higher for other applicants and those who select longer loan terms. Rates change frequently so your exact APR will depend on the date you apply. APRs for home equity lines of credit do not include costs other than interest. You will be responsible for an origination fee of up to 4.99% of your initial draw, depending on the state in which your property is located and your credit profile. You may also be responsible for paying the costs of valuation if an AVM is not available for your property ($180), manual notarization if your county doesn’t permit eNotary ($380), and recording fees ($0 - $315) and recording taxes, which vary by state and county ($0-$1,400 per one hundred thousand dollars borrowed). Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone. Flexible terms, borrow $15K-$400K, redraw up to 100% Use to consolidate debt or finance your next home project 100% digital app & automated valuation Largest non-bank HELOC lender in the US
Reliant Home Funding, Inc See Table	Intro APR 7.300 % After Intro: 7.300 %	$15,000	Learn More More Info
Available APRs range from 6.60% - 14.15*, which includes the payment of a higher origination fee in exchange for a reduced interest rate, which is not available to all applicants or in all states.(The advertised APR includes enrolling in autopay (0.25%) as well as payment of higher origination fee in exchange for a reduced rate, which is not available to all applicants or in all states). The lowest APRs are only available to the most qualified applicants, depending on credit profile and the state where the property is located, and those who also select five year loan terms; APRs will be higher for other applicants and those who select longer loan terms. Rates change frequently so your exact APR will depend on the date you apply. APRs for home equity lines of credit do not include costs other than interest. You will be responsible for an origination fee of up to 4.99% of your initial draw, depending on the state in which your property is located and your credit profile. You may also be responsible for paying the costs of valuation if an AVM is not available for your property ($180), manual notarization if your county doesn’t permit eNotary ($380), and recording fees ($0 - $315) and recording taxes, which vary by state and county ($0-$1,400 per one hundred thousand dollars borrowed). Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone. Consumers wishing to file a complaint against a mortgage company or a licensed residential mortgage loan originator should complete and send a complaint form to the Texas department of savings and mortgage lending, 2601 North Lamar, Suite 201, Austin, Texas 78705. Complaint forms and instructions may be obtained from the department’s website at www.sml.texas.gov. The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed mortgage company. Relationships Rule: Transactions end, Relationships remain Accountability is Personal: Reflection before Projection Service through Knowledge: Great service means great understanding Evolve to Excel: We need to adapt and improve to succeed

See More Home Equity Rates →

Note to FSNB, National Association
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Branches

FSNB, National Association branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Lake City,South Carolina

FSNB, National Association Locations around zip code 10007

Branch	Distance	Map	View Lobby Hours
Fsnb - Rockingham Walmart Branch	75.72	A	View Lobby Hours
Fsnb - Hope Mills Walmart Branch	88.15	B	View Lobby Hours
Fsnb - Fayetteville Raeford Rd Walma	88.86	C	View Lobby Hours
Monroe Branch	90.56	D	View Lobby Hours
Fsnb - Fayetteville Skibo Rd Walmart	94.41	E	View Lobby Hours
Fsnb - Spring Lake Bragg Blvd Branch	99.65	F	View Lobby Hours
Fsnb - Spring Lake Walmart Branch	99.99	G	View Lobby Hours
Fsnb - Wilmington Monkey Junction Wa	100.25	H	View Lobby Hours
Fsnb - Wilmington Market St Walmart	103.09	I	View Lobby Hours
Fsnb - Parris Island Branch	115.21	J	View Lobby Hours
Fsnb - Jacksonville Walmart Branch	140.13	K	View Lobby Hours
Country Club Road Branch	140.48	L	View Lobby Hours
Fsnb - Raleigh New Bern Walmart Bran	148.12	M	View Lobby Hours
Fsnb - Raleigh New Hope Church Walma	149.43	N	View Lobby Hours
Fsnb - Wake Forest Walmart Branch	158.21	O	View Lobby Hours
Fsnb - Elizabethton Branch	216.76	P	View Lobby Hours
Fsnb - Johnson City Market St Branch	219.91	Q	View Lobby Hours
Fsnb - Johnson City Browns Mill Bran	222.38	R	View Lobby Hours
Fsnb - Kingsport Ft Henry Branch	234.42	S	View Lobby Hours
Fsnb - Kingport Stone Drive Branch	239.76	T	View Lobby Hours
Walbrook Drive Branch	269.31	U	View Lobby Hours
Norris Freeway Branch	269.93	V	View Lobby Hours
Fsnb - Knoxville Branch	270.48	W	View Lobby Hours
Fsnb - Clinton Branch	280.40	X	View Lobby Hours
Fsnb - Athens Branch	280.83	Y	View Lobby Hours
Fsnb - Crossville Branch	316.16	Z	View Lobby Hours

View Branches Nationwide →

Climate Policy and Initiatives

FSNB, National Association is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.

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Financial Details

FSNB, National Association Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of FSNB, National Association. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio

FSNB, National Association	U.S. Bank Average
4.95%	4.63%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of December 31, 2024, FSNB, National Association had $610,000 in non-current loans and $3,053,000 in owned real estate. To cover these potential losses it had $71,246,000 in equity and $2,753,000 in loans loss reserves. That gives it a Texas Ratio of 4.95%.

Return on Equity

FSNB, National Association	U.S. Bank Average
21.58%	10.10%

FSNB, National Association has a Return on Equity of 21.58% versus the BestCashCow average of 10.10%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization

FSNB, National Association	U.S. Bank Average
15.39%	11.02%

FSNB, National Association has a Capitalization of 15.39% versus the BestCashCow average of 11.02. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

FSNB, National Association Balance Sheet Analysis

As of December 31, 2024, FSNB, National Association had assets of $463,077,000, loans of $155,075,000, and deposits of $374,898,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

December 31, 2024

ASSETS
Cash & Balances due from depository institutions	$ 33.40 million
Interest-bearing balances	$ 9.37 million
Total securities	$ 234.47 million
Federal funds sold and reverse repurchase	N.A.
Net loans and leases	$ 155.08 million
Loan loss allowance	$ 2.75 million
Trading account assets	N.A.
Bank premises and fixed assets	N.A.
Other real estate owned	$ 3.05 million
Goodwill and other intangibles	N.A.
All other assets	$ 19.15 million
Total Assets	$ 391.83 million

LIABILITIES
Total deposits	$ 374.90 million
Interest-bearing deposits	$ 357.19 million
Deposits held in domestic offices	$ 374.90 million
% insured (estimated)	93.36%
Federal funds purchased and repurchase agreements	N.A.
Trading liabilities	N.A.
Other borrowed funds	$ 4.14 million
Subordinated debt	N.A.
All other liabilities	$ 7.13 million
Total Liabilities	$ 391.83 million
Shareholders’ Equity	$ 71.25 million

Summary Income Statement

December 31, 2024

INCOME AND EXPENSES
Total Interest Income	$ 16.30 million
Total Interest Expense	$ 1.20 million
Net interest income	$ 15.10 million
Provision for loan and lease losses	$ 1.82 million
Total non interest income	$ 43.27 million
Total non interest expense	$ 43.48 million
Pre-tax Net Operating Income	$ 7.00 million

Bank Loan Profile^?

The top three loan types in FSNB, National Association’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Small Business Loans.

Compared to other banks in Oklahoma, FSNB, National Association has a significantly higher percent of Commercial Real Estate on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

	% Loans	% Comparison to Other Banks
		Low	Med	High
1-4 Family Residential Loans	16.16		✓
Multifamily Mortgages	3.40		✓
Credit Card Loans	0.31		✓
Consumer Auto Loans	1.05		✓
Small Business Loans	11.98		✓
Construction and Development Loans	0.03		✓
Commercial Real Estate	44.16			✓
Commercial and Industrial Loans	7.87		✓
Farm Loans	0.00	✓

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