Community Bank of Oklahoma
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Data as of · sourced from FFIEC call reports. How we update
Community Bank of Oklahoma is an FDIC-insured commercial bank headquartered in Verden, OK, established in 1907 (FDIC certificate 4217), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $67.3M, down 4.0% from Q2 2025, the 145th largest of 169 banks headquartered in Oklahoma. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.10% 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
- 4217
- Headquarters
- Verden, OK
- Established
- 1907
- Total assets, Q2 2026
- $67.3M
- Assets vs Q2 2025
- -4.0%
- Tier 1 leverage ratio, Q2 2026
- 12.10%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 103105488
- Latest call report
- Q2 2026, FFIEC 051 · Community Bank of Oklahoma call report
- Asset rank in state
- 145th of 169 in Oklahoma
Community Bank of Oklahoma spends more to run itself than most banks of its size. It reported $67 million in assets at June 30, 2026, down 4.0% from a year earlier. It loses about $0.53 a year on every $100 of assets, lower than about 9 in 10 of the 533 banks with less than $100 million in assets (median $1.04). It also lost 5.3% of its deposits over the year, lower than about three-quarters of banks its size (median 2.5%).
Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 1.83% of loans from 3.20%. It lost $92,000 in the quarter. Concentration is the risk to watch: it holds commercial real estate loans worth 0.9 times its capital, about triple the median of 30% for banks its size.
As of June 30, 2026, Community Bank of Oklahoma reported a return on assets of -0.53%, a nonperforming-loan ratio of 1.83% and a Texas ratio of 8.79%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Community Bank of Oklahoma is the 145th largest of the 169 banks headquartered in Oklahoma. From Q1 2026 to Q2 2026, its total assets fell 7.2% to $67.3M, loans fell 5.2% and deposits fell 7.9%. Its loan book on June 30, 2026 was led by commercial and industrial loans, at 39.6% of total loans, followed by non-owner-occupied commercial real estate loans at 16.3%. The FDIC Summary of Deposits lists 3 offices for it, in Verden, OK, Chickasha, OK and Newcastle, OK; its Verden office books 43% of its branch deposits. By the capital ratios in its Q2 2026 call report, Community Bank of Oklahoma meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 101 West Highway 62, Verden, OK 73092
- County
- Grady
- Metro Area
- Oklahoma City, 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
- August 1, 1907
- Former names
- The Bank of Verden (1970-2014)
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 17
- Domestic deposits
- $59.4M
- Allowance for credit losses
- $411K
- Net charge-offs (YTD)
- $393K
- Average total assets
- $69.4M
- Average total loans
- $38.5M
- Average interest-bearing deposits
- $31.5M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4217
- Fed RSSD
- 412452
- Website
- http://bankofverden.com →
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, Community Bank of Oklahoma 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, Community Bank of Oklahoma's total assets ran between $60.9M (Q4 2025) and $79.4M (Q1 2025), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$67.3M total assets against $70.1M; $59.9M total liabilities against $63.2M.
$36.9M net loans and leases against $38.3M; $59.4M total deposits against $62.6M.
$10.6M securities against $11.0M; $16.4M cash and balances due against $18.0M.
$882K total interest income against $933K; $186K total interest expense against $296K.
$696K net interest income against $637K.
$95K total noninterest income against $111K; $458K total noninterest expense against $471K.
$393K provision for credit losses against $0.
-$92K net income against $277K.
-0.53% return on assets against 1.53%; 4.29% net interest margin against 3.71%.
12.10% tier 1 leverage ratio against 11.33%.
Inside the full Community Bank of Oklahoma terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.53% (Q2 2026) to 1.87% (Q3 2025) and its net interest margin ran from 3.71% (Q2 2025) to 4.86% (Q1 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.10% | -0.53% | 1.83% | 8.79% | 4.29% |
| Q1 2026 | 12.46% | 1.85% | 3.86% | 19.27% | 4.86% |
| Q4 2025 | 13.12% | 0.56% | 3.10% | 15.20% | 4.40% |
| Q3 2025 | 12.15% | 1.87% | 4.03% | 20.23% | 4.21% |
| Q2 2025 | 11.33% | 1.53% | 3.20% | 17.20% | 3.71% |
| Q1 2025 | 11.66% | 0.98% | 3.67% | 20.38% | 3.80% |
| Q4 2024 | 12.27% | 0.83% | 1.21% | 6.57% | 4.02% |
| Q3 2024 | 11.13% | 1.79% | 1.11% | 5.79% | 3.85% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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 |
|---|---|---|---|
| Community Bank of Oklahoma (main office) | Verden , OK | 73092 | $25.8M |
| Community Bank of Oklahoma Branch | Chickasha , OK | 73018 | $17.5M |
| Newcastle Branch | Newcastle , OK | 73065 | $16.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in OK, rank 163 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 Community Bank of Oklahoma
What are Community Bank of Oklahoma's total assets?
As of the Q2 2026 filing, Community Bank of Oklahoma reported total assets of $67.3 million in its FFIEC call report.
Where is Community Bank of Oklahoma headquartered?
It is headquartered in Verden, OK, United States.
When was Community Bank of Oklahoma founded?
It was established in 1907, per the FDIC institution directory.
Is Community Bank of Oklahoma FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #4217). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Community Bank of Oklahoma?
Community Bank of Oklahoma's primary federal regulator is the FDIC.
How many branches does Community Bank of Oklahoma operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Community Bank of Oklahoma's Texas Ratio?
Its Texas Ratio is 8.79% 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 Community Bank of Oklahoma previously called?
The charter now named Community Bank of Oklahoma has also operated as The Bank of Verden (1970-2014), per FDIC structure-change records.
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