OKLAHOMA STATE BANK

BUFFALO, OK | Micro | Est. Feb. 10, 1930, midnight | FDIC #13416 | RSSD #324256 | FDIC
Latest Report: 2025-12-31

OKLAHOMA STATE BANK is amn micro FDIC-insured commercial bank headquartered in BUFFALO, OK, established in Feb. 10, 1930, midnight. As of 2025-12-31, the bank reported total assets of $64M and total deposits of $57M. Profitability stands at 3.02% ROA and 28.11% ROE, with a net interest margin of 6.44%. The bank's CET1 capital ratio is 12.87%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.08% and a Texas Ratio of 0.58%. FDIC Certificate #13416. The institution operates 1 domestic branch.

Assets

$64M

Deposits

$57M

Loans

$50M

Equity

$6M

Profitability

Return on Assets (ROA) 3.02%
Return on Equity (ROE) 28.11%
Net Interest Margin (NIM) 6.44%
Yield on Assets 8.04%
Cost of Funds 2.46%

Asset Quality

NPL Ratio 0.08%
Net Charge-Off Ratio -0.02%
Texas Ratio 0.58%
NPA Ratio 0.06%
ACL / Loans 0.80%

Capital & Liquidity

CET1 Ratio 12.87%
Tier 1 Capital 12.87%
Total Capital Ratio 13.66%
Leverage Ratio 10.13%
Loan-to-Deposit 86.90%

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