ALVA STATE BANK & TRUST COMPANY

ALVA, OK | Medium | Est. Sept. 10, 1901, midnight | FDIC #9465 | RSSD #246956 | FED
Latest Report: 2025-12-31

ALVA STATE BANK & TRUST COMPANY is amn medium FDIC-insured commercial bank headquartered in ALVA, OK, established in Sept. 10, 1901, midnight. As of 2025-12-31, the bank reported total assets of $631M and total deposits of $529M. Profitability stands at 2.28% ROA and 17.47% ROE, with a net interest margin of 3.31%. The bank's CET1 capital ratio is 19.66%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.24% and a Texas Ratio of 1.54%. FDIC Certificate #9465.

Assets

$631M

Deposits

$529M

Loans

$331M

Equity

$76M

Profitability

Return on Assets (ROA) 2.28%
Return on Equity (ROE) 17.47%
Net Interest Margin (NIM) 3.31%
Yield on Assets 5.87%
Cost of Funds 2.84%

Asset Quality

NPL Ratio 0.24%
Net Charge-Off Ratio -0.17%
Texas Ratio 1.54%
NPA Ratio 0.20%
ACL / Loans 1.40%

Capital & Liquidity

CET1 Ratio 19.66%
Tier 1 Capital 19.66%
Total Capital Ratio 20.76%
Leverage Ratio 13.69%
Loan-to-Deposit 62.59%

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