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Oklahoma State Bank
Buffalo, OK · FDIC Certificate #13416 · Chartered 02/1
Total assets
$66.69M
Total deposits
$59.53M
Total equity
$7.02M
Net loans
$46.95M
Branches (offices)
2
Net income (YTD)
$951.00K
Rank: #3,928 of 4,213 U.S. banks by assets · #145 of 168 in Oklahoma. Assets changed 1.2% and deposits 1.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.88% |
| Return on equity | 28.21% |
| Net interest margin (YTD) | 5.81% |
| Equity to assets | 10.53% |
| Tier 1 leverage ratio | 10.36% |
| Uninsured deposits (share of deposits) | 13.0% |
| Noncurrent loans (share of loans) | 1.47% |
| Net charge-offs (share of loans) | 0.10% |
| Loans to deposits | 78.9% |
| Real estate loans (share of loans) | 22.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $10.44M | 22.2% | |
| Commercial & industrial | $6.86M | 14.6% | |
| Consumer / individual | $7.78M | 16.6% | |
| Construction & development | $0 | 0.0% | |
| Agricultural | $22.12M | 47.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $62.28M | $56.14M | $383.00K | $6.07M |
| Jun 2023 | $59.48M | $53.02M | $718.00K | $6.35M |
| Jun 2024 | $59.78M | $52.97M | $948.00K | $6.68M |
| Jun 2025 | $65.87M | $58.78M | $995.00K | $6.91M |
| Jun 2026 | $66.69M | $59.53M | $951.00K | $7.02M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Oklahoma | $59.53M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $59.53M.
Similar-sized banks
Farmers State Bank ($66.90M) · The First National Bank Of Okawville ($66.27M)
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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