BanksOKLAHOMA STATE BANK

OKLAHOMA STATE BANK

BUFFALO, OKMicroEst. Feb. 10, 1930, midnightFDIC #13416RSSD #324256FDIC
Latest · 2025-12-31

OKLAHOMA STATE BANK is an 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%. CET1 capital ratio: 12.87%, well above regulatory minimums. NPL ratio: 0.08% · Texas Ratio: 0.58%. Operates 2 domestic branches.

Assets
$64M
Deposits
$57M
Loans
$50M
Equity
$6M

Profitability

Return on Assets (ROA)3.02%
Return on Equity (ROE)28.11%
Net Interest Margin6.44%
Yield on Assets8.04%
Cost of Funds1.65%

Asset Quality

NPL Ratio0.08%
Net Charge-Off Ratio-0.02%
Texas Ratio0.58%
NPA Ratio0.06%
ACL / Loans0.80%

Capital & Liquidity

CET1 Ratio12.87%
Tier 1 Capital12.87%
Total Capital Ratio13.66%
Leverage Ratio10.13%
Loan-to-Deposit86.90%

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