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Oklahoma Capital Bank
Tulsa, OK · FDIC Certificate #18856 · Chartered 08/1
Total assets
$196.31M
Total deposits
$159.85M
Total equity
$24.77M
Net loans
$160.53M
Branches (offices)
3
Net income (YTD)
$1.19M
Rank: #2,996 of 4,213 U.S. banks by assets · #99 of 168 in Oklahoma. Assets changed 21.1% and deposits 21.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.29% |
| Return on equity | 9.86% |
| Net interest margin (YTD) | 4.73% |
| Equity to assets | 12.62% |
| Tier 1 leverage ratio | 10.39% |
| Uninsured deposits (share of deposits) | 32.3% |
| Noncurrent loans (share of loans) | 0.30% |
| Net charge-offs (share of loans) | -0.01% |
| Loans to deposits | 100.4% |
| Real estate loans (share of loans) | 85.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $136.74M | 85.2% | |
| Commercial & industrial | $23.93M | 14.9% | |
| Consumer / individual | $581.00K | 0.4% | |
| Construction & development | $58.76M | 36.6% | |
| Agricultural | $999.00K | 0.6% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $128.76M | $101.05M | $746.00K | $20.99M |
| Jun 2023 | $145.15M | $111.99M | $1.34M | $23.37M |
| Jun 2024 | $146.42M | $116.06M | $699.00K | $23.80M |
| Jun 2025 | $162.16M | $131.35M | $926.00K | $24.27M |
| Jun 2026 | $196.31M | $159.85M | $1.19M | $24.77M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Oklahoma | $159.85M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $159.85M.
Similar-sized banks
Chelsea Savings Bank ($196.91M) · The First National Bank Of Waverly ($196.21M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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