Bank · FDIC insured
Monument Bank
A $112.8M bank headquartered in Heavener, OK, with 3 branches in Oklahoma. Best rates: CDs 4.24% and savings 1.00% APY.
Monument Bank Carrot Score
84
Carrot Score
Higher than 65% of U.S. banks and credit unions
#33 of 100 in OklahomaHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Monument Bank
Originally opened in 1909 as Bank of Heavener and nationalized in 1910 as First National Bank of Heavener, the institution later operated as First National Bank before changing its name to Monument Bank.
In 2001, holding company Sooner Southwest Bankshares, Inc. merged State National Bank into First National Bank under the First National Bank charter.
- Headquarters
- 400 E 1st St, Heavener, OK 74937
- FDIC certificate
- 4111 ↗
Branches
3 branches in Oklahoma
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Oklahoma
3 branches
Heavener area · 2
- Monument BankMain office400 E 1st St, Heavener, OK 74937Directions
- West Branch602 W 1st St, Heavener, OK 74937Directions
Poteau area · 1
- Poteau Branch3104 N Broadway St, Poteau, OK 74953Directions
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 | 9.89% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.27% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.74% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $90 | $81 | — |
- CapitalLeverage ratio9.89%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.27%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.74%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$90Peers’ 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 Monument Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.