SEILING STATE BANK, THE

SEILING, OK | Small | Est. Jan. 1, 1901, midnight | FDIC #4193 | RSSD #313157 | FDIC
Latest Report: 2025-12-31

SEILING STATE BANK, THE is asn small FDIC-insured commercial bank headquartered in SEILING, OK, established in Jan. 1, 1901, midnight. As of 2025-12-31, the bank reported total assets of $196M and total deposits of $178M. Profitability stands at -7.59% ROA and -90.33% ROE, with a net interest margin of 3.29%. The bank's CET1 capital ratio is 12.48%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.35% and a Texas Ratio of 3.46%. FDIC Certificate #4193.

Assets

$196M

Deposits

$178M

Loans

$143M

Equity

$18M

Profitability

Return on Assets (ROA) -7.59%
Return on Equity (ROE) -90.33%
Net Interest Margin (NIM) 3.29%
Yield on Assets 5.76%
Cost of Funds 2.49%

Asset Quality

NPL Ratio 0.35%
Net Charge-Off Ratio 3.26%
Texas Ratio 3.46%
NPA Ratio 0.34%
ACL / Loans 1.15%

Capital & Liquidity

CET1 Ratio 12.48%
Tier 1 Capital 12.48%
Total Capital Ratio 13.54%
Leverage Ratio 9.63%
Loan-to-Deposit 80.51%

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