Bank · FDIC insured
FSNB
A $478.3M bank headquartered in Lawton, OK, with 66 branches in 9 states. Best rates: CDs 2.50% and savings 7.00% APY.
FSNB Carrot Score
64
Carrot Score
Higher than 12% of U.S. banks and credit unions
#27 of 36 in Memphis, TN-MS-AR metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About FSNB
- Headquarters
- 1420 Sw Lee Blvd, Lawton, OK 73501
- FDIC certificate
- 16416 ↗
Branches
66 branches in 9 states
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Tennessee
28 branches
Nashville area · 8
- Antioch Walmart Branch3035 Hamilton Church Rd, Antioch, TN 37013Directions
- Gallatin Branch1112 Nashville Pike, Gallatin, TN 37066Directions
- Hermitage Walmart Branch4424 Lebanon Pike, Hermitage, TN 37076Directions
- Murfreesboro Old Fort Walmart Branch2000 Old Fort Pkwy, Murfreesboro, TN 37129Directions
- Murfreesboro Rutherford Walmart Branch2900 S Rutherford Blvd, Murfreesboro, TN 37130Directions
- Dickerson Pike Branch3458 Dickerson Pike, Nashville, TN 37207Directions
- Nashville Charlotte Pike Walmart Branch7044 Charlotte Pike, Nashville, TN 37209Directions
- Nashville Nolensville Walmart Branch5824 Nolensville Pike, Nashville, TN 37211Directions
Memphis area · 8
- Cordova Branch577 N Germantown Pkwy, Cordova, TN 38018Directions
- Covington Walmart Branch201 Lanny Bridges Ave, Covington, TN 38019Directions
- Austin Peay Branch3950 Austin Peay Hwy, Memphis, TN 38128Directions
- Cash Saver Branch1620 Madison Ave, Memphis, TN 38104Directions
- Lagrange Branch6727 Raleigh Lagrange, Memphis, TN 38133Directions
- Winchesterbranch7525 Winchester Rd, Memphis, TN 38125Directions
- Millington Branch8445 Us Highway 51 N, Millington, TN 38053Directions
- Oakland Branch105 Chickasaw Ridge Dr, Oakland, TN 38060Directions
Knoxville area · 3
- Knoxville Branch6777 Clinton Hwy, Knoxville, TN 37912Directions
- Kinzel Way Branch3051 Kinzel Way, Knoxville, TN 37924Directions
- Walbrook Drive Branch8445 Walbrook Dr, Knoxville, TN 37923Directions
Johnson City area · 2
- Elizabethton Branch1001 Over Mountain Dr, Elizabethton, TN 37643Directions
- Johnson City Browns Mill Branch3111 Browns Mill Rd, Johnson City, TN 37604Directions
Athens area · 1
- Athens Branch1815 Decatur Pike, Athens, TN 37303Directions
Clarksville area · 1
- Clarksville Walmart Branch2315 Madison St, Clarksville, TN 37043Directions
Cookeville area · 1
- Cookeville Branch768 S Jefferson Ave, Cookeville, TN 38501Directions
Crossville area · 1
- Crossville Branch2542 N. Main Street, Crossville, TN 38555Directions
Jackson area · 1
- Jackson Branch2196 Emporium Dr, Jackson, TN 38305Directions
Kingsport area · 1
- Kingport Stone Drive Branch2500 W Stone Dr, Kingsport, TN 37660Directions
McMinnville area · 1
- Mcminnville Branch915 N Chancery St, McMinnville, TN 37110Directions
North Carolina
12 branches
Fayetteville area · 5
- Fayetteville Raeford Rd Walmart Branch7707 S Raeford Rd, Fayetteville, NC 28304Directions
- Fayetteville Skibo Rd Walmart Branch1550 Skibo Rd, Fayetteville, NC 28303Directions
- Hope Mills Walmart Branch3030 N Main St, Hope Mills, NC 28348Directions
- Spring Lake Bragg Blvd Branch501 N Bragg Blvd, Spring Lake, NC 28390Directions
- Spring Lake Walmart Branch670 Lillington Hwy, Spring Lake, NC 28390Directions
Raleigh area · 3
- Raleigh New Bern Walmart Branch4431 New Bern Ave, Raleigh, NC 27610Directions
- Raleigh New Hope Church Walmart Branch1725 New Hope Church Rd, Raleigh, NC 27609Directions
- Wake Forest Walmart Branch2114 S Main St, Wake Forest, NC 27587Directions
Wilmington area · 2
- Wilmington Market St Walmart Branch5226 Sigmon Rd, Wilmington, NC 28403Directions
- Wilmington Monkey Junction Walmart Branch5135 Carolina Beach Rd, Wilmington, NC 28412Directions
Jacksonville area · 1
- Jacksonville Walmart Branch2025 N Marine Blvd, Jacksonville, NC 28546Directions
Rockingham area · 1
- Rockingham Walmart Branch720 E Us Highway 74, Rockingham, NC 28379Directions
Mississippi
7 branches
Jackson area · 5
- Feather Lane Branch244 Feather Ln, Canton, MS 39046Directions
- Flowood Branch5341 Hwy 5, Flowood, MS 39232Directions
- Greenway Drive Branch2711 Greenway Dr, Jackson, MS 39204Directions
- Old Canton Road Branch5006 Old Canton Rd, Jackson, MS 39211Directions
- Pearl Branch5520 Highway 80 E, Pearl, MS 39208Directions
Memphis area · 2
- Olive Branch7950 Craft Goodman Frontage Rd, Olive Branch, MS 38654Directions
- Southaven Branch6811 Southcrest Pkwy, Southaven, MS 38671Directions
Arkansas
4 branches
Little Rock area · 1
- North Conway Branch1155 Highway 65 North, Conway, AR 72032Directions
Pine Bluff area · 1
- Pine Bluff Branch5501 S Olive St, Pine Bluff, AR 71603Directions
Russellville area · 1
- Russellville Branch2409 E Main St, Russellville, AR 72802Directions
Memphis area · 1
- West Memphis Branch798 W Service Rd, West Memphis, AR 72301Directions
Louisiana
4 branches
- Bossier City Walmart Branch2536 Airline Dr, Bossier City, LA 71111Directions
- Barksdale Highway Walmart Branch1125 Barksdale Highway, Shreveport, LA 71105Directions
- Mansfield Road Walmart Branch9550 Mansfield Rd, Shreveport, LA 71118Directions
- Youree Drive Branch3344 Youree Dr, Shreveport, LA 71105Directions
Oklahoma
4 branches
- FSNB, National AssociationMain office1420 Sw Lee Blvd, Lawton, OK 73501Directions
- Fort Sill Px Branch1718 Gruber Road, Fort Sill, OK 73503Directions
- Lawton West Branch6212 Nw Cache Rd, Lawton, OK 73505Directions
- Lee Boulevard Branch1420 Sw Lee Blvd, Lawton, OK 73501Directions
Georgia
3 branches
- Industrial Blvd Branch10300 Industrial Blvd Ne, Covington, GA 30014Directions
- Lithia Springs Branch1100 Thornton Rd, Lithia Springs, GA 30122Directions
- Stone Mountain Branch1825 Rockbridge Rd, Stone Mountain, GA 30087Directions
Delaware
2 branches
- Camden Branch263 Walmart Dr, Camden, DE 19934Directions
- Dover Wal-Mart Branch36 Jerome Dr, Dover, DE 19901Directions
Texas
2 branches
- Sheppard Bx BranchBuilding 239, Sheppard AFB, TX 76311Directions
- Kemp Blvd Branch3512 Kemp Blvd, Wichita Falls, TX 76308Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 17.51% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.36% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 3.46% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $40 | $81 | — |
- CapitalLeverage ratio17.51%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.36%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets3.46%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$40Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of FSNB are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.