OKLAHOMA BANK AND TRUST COMPANY

CLINTON, OK | Small | Est. March 2, 1908, midnight | FDIC #4067 | RSSD #159953 | FDIC
Latest Report: 2025-12-31

OKLAHOMA BANK AND TRUST COMPANY is asn small FDIC-insured commercial bank headquartered in CLINTON, OK, established in March 2, 1908, midnight. As of 2025-12-31, the bank reported total assets of $209M and total deposits of $180M. Profitability stands at 1.08% ROA and 8.14% ROE, with a net interest margin of 2.83%. The bank's CET1 capital ratio is 37.31%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.01% and a Texas Ratio of 0.70%. FDIC Certificate #4067.

Assets

$209M

Deposits

$180M

Loans

$76M

Equity

$26M

Profitability

Return on Assets (ROA) 1.08%
Return on Equity (ROE) 8.14%
Net Interest Margin (NIM) 2.83%
Yield on Assets 4.56%
Cost of Funds 1.85%

Asset Quality

NPL Ratio 0.01%
Net Charge-Off Ratio 0.13%
Texas Ratio 0.70%
NPA Ratio 0.09%
ACL / Loans 2.28%

Capital & Liquidity

CET1 Ratio 37.31%
Tier 1 Capital 37.31%
Total Capital Ratio 38.58%
Leverage Ratio 14.68%
Loan-to-Deposit 42.04%

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