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City National B&T Co. of Lawton, OK

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City National B&T Co. of Lawton, OK Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, City National B&T Co. of Lawton, OK provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 23, 2026

City National B&T Co. of Lawton, OK's Auto Loan Rates are as low as 2.99%. MonitorBankRates evaluates the financial stability of City National B&T Co. of Lawton, OK with a 4.6 Star Rating, an B Overall Health Grade, and a Texas Ratio of 19.53%. Rates last updated and verified on 09/23/2026.

City National B&T Co. of Lawton, OK money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at City National B&T Co. of Lawton, OK? Share your experience about City National B&T Co. of Lawton, OK by leaving a review below, or read customer reviews before you decide to use City National B&T Co. of Lawton, OK.

Overall Health & Safety Grade

Solid Health Score: 86/100

MonitorBankRates Rating

4.6

Excellent Out of 5.0 Stars

Texas Ratio

19.53%

Good Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

City National B&T Co. of Lawton, OK

500 Montgomery Sq
Lawton, OK 73501

https://www.cnb1901.com

City National B&T Co. of Lawton, OK Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto Loans	-	-	2.99%
Details As Low As; Special Last Updated 09/16/2026 Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.53%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

City National B&T Co. of Lawton, OK’s Texas Ratio rose from 1.76% in Q3 2023 to 19.53% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 4.6 and its Health Grade from A+ to B. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$446M	19.53%	4.6	B
March 31, 2026	$445M	20.07%	4.6	B
December 31, 2025	$435M	18.72%	4.7	B+
September 30, 2025	$443M	18.15%	4.7	B+
June 30, 2025	$448M	18.99%	4.7	B+
March 31, 2025	$447M	18.68%	4.7	B+
December 31, 2024	$428M	18.89%	4.7	B+
September 30, 2024	$440M	20.21%	4.6	B
June 30, 2024	$441M	18.63%	4.7	B+
March 31, 2024	$443M	15.51%	5.0	A-
December 31, 2023	$437M	1.71%	5.0	A+
September 30, 2023	$456M	1.76%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for City National B&T Co. of Lawton, OK is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather City National B&T Co. of Lawton, OK rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with City National B&T Co. of Lawton, OK's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name City National B&T Co. of Lawton, OK

Bank Holding Company JRMB II INC

Address 500 Montgomery Sq, Lawton, OK 73501 · Comanche

Website https://www.cnb1901.com

FDIC Certificate # 4132

Established 19010323

FDIC Insurance Date 19340101

Domestic Offices 39

Total Branches 39

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 86/100

4.6

Excellent Out of 5.0 Stars

19.53%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.6564%

Return on Equity (ROE) 12.5600%

Non-Performing Loans (NPL) 0.31%

Total Assets $446,240,000

Total Deposits $373,940,000

Equity Capital $58,899,000

Net Income $3,661,000

Headquarters Lawton

Total Branches and Offices 39

Source: FDIC | Last Updated 06/30/2026

Customer Reviews

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Frequently Asked Questions About City National B&T Co. of Lawton, OK

How many branches does City National B&T Co. of Lawton, OK operate?

City National B&T Co. of Lawton, OK currently maintains approximately 39 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, City National B&T Co. of Lawton, OK does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, City National B&T Co. of Lawton, OK provides members with tools to manage their accounts and build a solid financial history.

Does City National B&T Co. of Lawton, OK offer online and mobile banking?

Most modern institutions like City National B&T Co. of Lawton, OK provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.cnb1901.com.