Bank 360
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Data as of · sourced from FFIEC call reports. How we update
Bank 360 is an FDIC-insured commercial bank headquartered in Cordell, OK, established in 1902 (FDIC certificate 9875), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $61.0M, down 1.5% from Q2 2025, the 152nd largest of 169 banks headquartered in Oklahoma. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.36% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 9875
- Headquarters
- Cordell, OK
- Established
- 1902
- Total assets, Q2 2026
- $61.0M
- Assets vs Q2 2025
- -1.5%
- Tier 1 leverage ratio, Q2 2026
- 9.36%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 103106160
- Holding company
- ROCKY FINANCIAL CORPORATION
- Asset rank in state
- 152nd of 169 in Oklahoma
Bank 360 pays more for its money than most banks of its size. Its balance sheet stood at $61 million at June 30, 2026, down 1.5% from a year earlier; it is based in Cordell, Oklahoma. It pays an average of 2.90% on its deposits and borrowings, about double the median of 1.53% for the 583 banks with less than $100 million in assets. It also holds commercial real estate loans worth 1.2 times its capital, 4.7 times the median of 26% for banks its size.
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.80% of loans from 4.16%. Loans and deposits moved in opposite directions: over the year loans rose 12.2% and deposits fell 2.2%. Where it has less room is capital: it funds 9.36% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 13.06%).
As of June 30, 2026, Bank 360 reported a return on assets of 1.61%, a nonperforming-loan ratio of 3.97% and a Texas ratio of 6.76%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Bank 360 is the 152nd largest of the 169 banks headquartered in Oklahoma. From Q1 2026 to Q2 2026, its total assets rose 2.4% to $61.0M, loans fell 4.0% and deposits rose 2.6%. 1-4 family residential loans made up 45.4% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 25.6%. Its 2 offices in the FDIC Summary of Deposits are in Clinton, OK and Cordell, OK; its Clinton office books 50% of its branch deposits. Judged on its Q2 2026 call report, Bank 360 meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 808 N Glenn L English St, Cordell, OK 73632
- County
- Washita
- Metro Area
- Weatherford, OK
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- May 29, 1902
- Former names
- Bank of Cordell (1998-2022)
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 14
- Domestic deposits
- $52.7M
- Allowance for credit losses
- $584K
- Net charge-offs (YTD)
- -$5K
- Average total assets
- $60.3M
- Average total loans
- $53.7M
- Average interest-bearing deposits
- $42.2M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 9875
- Fed RSSD
- 464853
- Website
- https://bank360.bank →
- Parent Holding Company
- ROCKY FINANCIAL CORPORATION (RSSD 1063833)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Bank 360 reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Bank 360's total assets ran between $56.0M (Q3 2023) and $63.9M (Q1 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$61.0M total assets against $61.9M; $55.4M total liabilities against $56.4M.
$51.9M net loans and leases against $46.2M; $52.7M total deposits against $53.9M.
$1.2M securities against $1.2M; $5.9M cash and balances due against $12.2M.
$1.1M total interest income against $1.2M; $377K total interest expense against $470K.
$747K net interest income against $718K.
$50K total noninterest income against $44K; $541K total noninterest expense against $508K.
$6K provision for credit losses against $6K.
$242K net income against $252K.
1.61% return on assets against 1.62%; 5.04% net interest margin against 4.78%.
9.36% tier 1 leverage ratio against 8.83%.
Inside the full Bank 360 terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.92% (Q4 2025) to 2.31% (Q1 2025) and its net interest margin ran from 4.42% (Q4 2025) to 5.16% (Q1 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.36% | 1.61% | 3.97% | 6.76% | 5.04% |
| Q1 2026 | 9.08% | 1.67% | 3.88% | 6.97% | 4.75% |
| Q4 2025 | 8.86% | 0.92% | 4.09% | 6.93% | 4.42% |
| Q3 2025 | 8.88% | 1.23% | 4.34% | 6.93% | 4.47% |
| Q2 2025 | 8.83% | 1.62% | 4.16% | 32.12% | 4.78% |
| Q1 2025 | 8.56% | 2.31% | 4.18% | 33.73% | 5.16% |
| Q4 2024 | 8.65% | 1.32% | 2.16% | 18.07% | 4.84% |
| Q3 2024 | 8.78% | 2.20% | 1.99% | 16.78% | 4.76% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bank360 Branch | Clinton , OK | 73601 | $26.6M |
| Bank360 | Cordell , OK | 73632 | $26.2M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in OK, rank 168 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $470K approved, $235K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Bank 360
What are Bank 360's total assets?
As of the Q2 2026 filing, Bank 360 reported total assets of $61.0 million in its FFIEC call report.
Where is Bank 360 headquartered?
It is headquartered in Cordell, OK, United States.
When was Bank 360 founded?
It was established in 1902, per the FDIC institution directory.
Is Bank 360 FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #9875). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank 360?
Bank 360's primary federal regulator is the FDIC.
How many branches does Bank 360 operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank 360's Texas Ratio?
Its Texas Ratio is 6.76% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Bank 360 previously called?
The charter now named Bank 360 has also operated as Bank of Cordell (1998-2022), per FDIC structure-change records.
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