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Wisdom Heritage Bank
Alva, OK · FDIC Certificate #9465 · Chartered 09/1
Total assets
$601.35M
Total deposits
$505.81M
Total equity
$78.85M
Net loans
$300.68M
Branches (offices)
6
Net income (YTD)
$3.25M
Rank: #1,550 of 4,213 U.S. banks by assets · #45 of 168 in Oklahoma. Assets changed 9.1% and deposits 8.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.06% |
| Return on equity | 8.41% |
| Net interest margin (YTD) | 3.12% |
| Equity to assets | 13.11% |
| Tier 1 leverage ratio | 14.22% |
| Uninsured deposits (share of deposits) | 19.3% |
| Noncurrent loans (share of loans) | 1.28% |
| Net charge-offs (share of loans) | -0.09% |
| Loans to deposits | 59.4% |
| Real estate loans (share of loans) | 59.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $178.30M | 59.3% | |
| Commercial & industrial | $19.80M | 6.6% | |
| Consumer / individual | $2.35M | 0.8% | |
| Construction & development | $18.20M | 6.1% | |
| Agricultural | $100.72M | 33.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $423.86M | $368.80M | $3.24M | $53.91M |
| Jun 2023 | $437.63M | $358.27M | $4.63M | $54.89M |
| Jun 2024 | $493.90M | $405.75M | $6.17M | $62.17M |
| Jun 2025 | $551.36M | $467.56M | $6.16M | $77.38M |
| Jun 2026 | $601.35M | $505.81M | $3.25M | $78.85M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Oklahoma | $440.31M | 5 |
| Kansas | $65.50M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $505.81M.
Similar-sized banks
Partners Bank Of California ($602.15M) · Washington State Bank ($601.12M)
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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