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The First Bank Of Okarche
Okarche, OK · FDIC Certificate #1165 · Chartered 10/2
Total assets
$137.45M
Total deposits
$114.14M
Total equity
$22.26M
Net loans
$42.19M
Branches (offices)
1
Net income (YTD)
$1.61M
Rank: #3,408 of 4,213 U.S. banks by assets · #116 of 168 in Oklahoma. Assets changed -1.3% and deposits -3.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.34% |
| Return on equity | 14.96% |
| Net interest margin (YTD) | 3.75% |
| Equity to assets | 16.20% |
| Tier 1 leverage ratio | 16.13% |
| Uninsured deposits (share of deposits) | 25.7% |
| Noncurrent loans (share of loans) | 1.04% |
| Net charge-offs (share of loans) | -0.15% |
| Loans to deposits | 37.0% |
| Real estate loans (share of loans) | 29.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $12.61M | 29.9% | |
| Commercial & industrial | $4.71M | 11.2% | |
| Consumer / individual | $1.61M | 3.8% | |
| Construction & development | $669.00K | 1.6% | |
| Agricultural | $24.34M | 57.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $140.10M | $124.61M | $993.00K | $14.73M |
| Jun 2023 | $138.94M | $121.25M | $1.73M | $16.81M |
| Jun 2024 | $136.54M | $116.97M | $1.88M | $18.51M |
| Jun 2025 | $139.33M | $118.06M | $1.69M | $20.18M |
| Jun 2026 | $137.45M | $114.14M | $1.61M | $22.26M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Oklahoma | $114.14M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $114.14M.
Similar-sized banks
The Citizens State Bank ($137.47M) · Pointwest Bank ($137.29M)
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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