OKLAHOMA HERITAGE BANK

ROFF, OK | Small | Est. May 7, 1979, midnight | FDIC #22855 | RSSD #709956 | FED
Latest Report: 2025-12-31

OKLAHOMA HERITAGE BANK is asn small FDIC-insured commercial bank headquartered in ROFF, OK, established in May 7, 1979, midnight. As of 2025-12-31, the bank reported total assets of $105M and total deposits of $84M. Profitability stands at 0.14% ROA and 1.39% ROE, with a net interest margin of 3.83%. The bank's CET1 capital ratio is 10.82%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.28% and a Texas Ratio of 1.60%. FDIC Certificate #22855.

Assets

$105M

Deposits

$84M

Loans

$65M

Equity

$11M

Profitability

Return on Assets (ROA) 0.14%
Return on Equity (ROE) 1.39%
Net Interest Margin (NIM) 3.83%
Yield on Assets 5.92%
Cost of Funds 3.14%

Asset Quality

NPL Ratio 0.28%
Net Charge-Off Ratio 0.15%
Texas Ratio 1.60%
NPA Ratio 0.17%
ACL / Loans 1.28%

Capital & Liquidity

CET1 Ratio 10.82%
Tier 1 Capital 10.82%
Total Capital Ratio 11.95%
Leverage Ratio 7.90%
Loan-to-Deposit 76.78%

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