The Bankers Bank
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Data as of · sourced from FFIEC call reports. How we update
The Bankers Bank is an FDIC-insured commercial bank headquartered in Oklahoma City, OK, established in 1986 (FDIC certificate 26677), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $310.5M, up 13.6% from Q2 2025, the 82nd largest of 169 banks headquartered in Oklahoma. Its CET1 capital ratio was 14.08% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 26677
- Headquarters
- Oklahoma City, OK
- Established
- 1986
- Total assets, Q2 2026
- $310.5M
- Assets vs Q2 2025
- +13.6%
- CET1 ratio, Q2 2026
- 14.08%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 103003616
- Latest call report
- Q2 2026, FFIEC 051 · The Bankers Bank call report
- Holding company
- BANKERS BANCORP OF OKLAHOMA, INC.
- Asset rank in state
- 82nd of 169 in Oklahoma
Problem loans are rising at The Bankers Bank. Based in Oklahoma City, Oklahoma, it had $311 million in assets at June 30, 2026, up 13.6% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.93% of loans from 0.00% a year earlier. It pays an average of 2.82% on its deposits and borrowings, higher than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median 1.80%). It also holds commercial real estate loans worth 3.0 times its capital, 2.5 times the median of 1.2 times for banks its size.
Delinquency has appeared in its $90 million non-owner-occupied commercial real estate book: 5.27% of those loans are past due or on nonaccrual, against almost none a year earlier. Deposits are coming in faster than loans: over the year loans rose 12.8% and deposits rose 18.8%. Costs are the weak spot: it spends about 82 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
As of June 30, 2026, The Bankers Bank reported a CET1 capital ratio of 14.08%, a return on assets of 0.92%, a nonperforming-loan ratio of 1.93% and a Texas ratio of 10.89%. The figures come from its call report filed with the FFIEC.
Of the 169 banks headquartered in Oklahoma, The Bankers Bank is the 82nd largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 2.4% to $310.5M, loans fell 1.7% and deposits fell 1.0%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 36.6% of total loans, ahead of owner-occupied commercial real estate loans at 16.4%. The FDIC Summary of Deposits lists 2 offices for it, in Oklahoma City, OK and Mckinney, TX; its Oklahoma City office books 100% of its branch deposits. By the capital ratios in its Q2 2026 call report, The Bankers Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 9020 N May Ave, Oklahoma City, OK 73120
- County
- Oklahoma
- Metro Area
- Oklahoma City, OK
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- May 28, 1986
- Former names
- The Bankers Bank (1986)
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 61
- Domestic deposits
- $243.4M
- Allowance for credit losses
- $3.9M
- Net charge-offs (YTD)
- $0
- Average total assets
- $312.5M
- Average total loans
- $253.4M
- Average interest-bearing deposits
- $182.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- May 28, 1986
- FDIC Cert
- 26677
- Fed RSSD
- 859655
- Website
- www.tbb.bank →
- Parent Holding Company
- BANKERS BANCORP OF OKLAHOMA, INC. (RSSD 1138209)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
The Bankers Bank's total assets moved between a low of $238.8M (Q4 2023) and a high of $329.8M (Q4 2025) from Q3 2023 to Q2 2026, 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
$310.5M total assets against $273.4M; $271.0M total liabilities against $236.1M.
$241.8M net loans and leases against $214.7M; $243.4M total deposits against $204.8M.
$14.5M securities against $15.3M; $30.0M cash and balances due against $20.2M.
$4.6M total interest income against $4.3M; $1.9M total interest expense against $1.8M.
$2.8M net interest income against $2.6M.
$2.4M total noninterest income against $2.7M; $4.2M total noninterest expense against $4.0M.
$0 provision for credit losses against $140K.
$718K net income against $889K.
0.92% return on assets against 1.30%; 3.78% net interest margin against 4.09%.
14.08% CET1 capital ratio against 14.98%; 12.70% tier 1 leverage ratio against 13.70%.
Inside the full The Bankers Bank 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.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
The Bankers Bank rankings
Its closest position to the top of a national ranking is 564 of 3,640, for Texas Ratio; its furthest is 3,293 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.92% (Q2 2026) to 2.90% (Q3 2024) and its net interest margin ran from 3.78% (Q2 2026) to 4.09% (Q2 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.08% | 0.92% | 1.93% | 10.89% | 3.78% |
| Q1 2026 | 13.43% | 1.05% | 0.00% | 0.00% | 3.90% |
| Q4 2025 | 12.78% | 1.04% | 0.00% | 0.00% | 4.02% |
| Q3 2025 | 13.77% | 1.14% | 0.00% | 0.00% | 3.98% |
| Q2 2025 | 14.98% | 1.30% | 0.00% | 0.00% | 4.09% |
| Q1 2025 | 15.03% | 1.17% | 0.00% | 0.00% | 4.02% |
| Q4 2024 | 15.55% | 1.21% | 0.00% | 0.00% | 3.96% |
| Q3 2024 | 16.47% | 2.90% | 0.00% | 0.00% | 3.90% |
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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 |
|---|---|---|---|
| The Bankers Bank | Oklahoma City , OK | 73120 | $243.4M |
| Texas Branch | Mckinney , TX | 75069 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in OK, rank 97 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 The Bankers Bank
What are The Bankers Bank's total assets?
As of the Q2 2026 filing, The Bankers Bank reported total assets of $310.5 million in its FFIEC call report.
Where is The Bankers Bank headquartered?
It is headquartered in Oklahoma City, OK, United States.
When was The Bankers Bank founded?
It was established in 1986, per the FDIC institution directory.
Is The Bankers Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #26677). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Bankers Bank?
The Bankers Bank's primary federal regulator is the Federal Reserve.
What is The Bankers Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.08% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Bankers Bank 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 The Bankers Bank's Texas Ratio?
Its Texas Ratio is 10.89% 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 The Bankers Bank previously called?
The charter now named The Bankers Bank has also operated as The Bankers Bank (1986), per FDIC structure-change records.
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