LOCAL BANK

HULBERT, OK | Small | Est. Dec. 1, 1908, midnight | FDIC #2327 | RSSD #815754 | FED
Latest Report: 2025-12-31

LOCAL BANK is asn small FDIC-insured commercial bank headquartered in HULBERT, OK, established in Dec. 1, 1908, midnight. As of 2025-12-31, the bank reported total assets of $429M and total deposits of $361M. Profitability stands at 0.25% ROA and 2.27% ROE, with a net interest margin of 3.69%. The bank's CET1 capital ratio is 14.24%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.19% and a Texas Ratio of 1.27%. FDIC Certificate #2327.

Assets

$429M

Deposits

$361M

Loans

$327M

Equity

$47M

Profitability

Return on Assets (ROA) 0.25%
Return on Equity (ROE) 2.27%
Net Interest Margin (NIM) 3.69%
Yield on Assets 6.40%
Cost of Funds 2.82%

Asset Quality

NPL Ratio 0.19%
Net Charge-Off Ratio 0.07%
Texas Ratio 1.27%
NPA Ratio 0.15%
ACL / Loans 0.62%

Capital & Liquidity

CET1 Ratio 14.24%
Tier 1 Capital 14.24%
Total Capital Ratio 14.88%
Leverage Ratio 11.74%
Loan-to-Deposit 90.63%

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