LATIMER STATE BANK

WILBURTON, OK | Micro | Est. April 9, 1979, midnight | FDIC #22839 | RSSD #51356 | FDIC
Latest Report: 2025-12-31

LATIMER STATE BANK is amn micro FDIC-insured commercial bank headquartered in WILBURTON, OK, established in April 9, 1979, midnight. As of 2025-12-31, the bank reported total assets of $65M and total deposits of $49M. Profitability stands at 2.07% ROA and 8.36% ROE, with a net interest margin of 4.22%. The bank's CET1 capital ratio is 72.39%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.26% and a Texas Ratio of 0.20%. FDIC Certificate #22839.

Assets

$65M

Deposits

$49M

Loans

$13M

Equity

$16M

Profitability

Return on Assets (ROA) 2.07%
Return on Equity (ROE) 8.36%
Net Interest Margin (NIM) 4.22%
Yield on Assets 4.93%
Cost of Funds 1.10%

Asset Quality

NPL Ratio 0.26%
Net Charge-Off Ratio -0.04%
Texas Ratio 0.20%
NPA Ratio 0.05%
ACL / Loans 1.64%

Capital & Liquidity

CET1 Ratio 72.39%
Tier 1 Capital 72.39%
Total Capital Ratio 73.34%
Leverage Ratio 25.17%
Loan-to-Deposit 26.79%

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