Bank Comparison
Lena State Bank vs Oklahoma Heritage Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
7 · 13
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Lena State Bank | Oklahoma Heritage Bank |
|---|---|---|
| CET1 Ratio | — | 11.41% |
| Tier 1 Capital Ratio | — | 11.41% |
| Total Capital Ratio | — | 12.55% |
| Tier 1 Leverage Ratio | 11.97% | 8.21% |
| Equity / Assets | 9.91% | 11.03% |
Profitability
| Metric | Lena State Bank | Oklahoma Heritage Bank |
|---|---|---|
| Return on Assets (ROA) | 0.86% | 0.02% |
| Return on Equity (ROE) | 9.12% | 0.15% |
| Net Interest Margin (NIM) | 2.78% | 3.55% |
| Yield on Earning Assets | 4.91% | 5.80% |
| Cost of Funds | 2.35% | 2.24% |
Asset quality
| Metric | Lena State Bank | Oklahoma Heritage Bank |
|---|---|---|
| Texas Ratio | 3.19% | 2.09% |
| Non-Performing Loan Ratio | 0.52% | 0.27% |
| Non-Performing Asset Ratio | 0.34% | 0.18% |
| Net Charge-Off Ratio | 0.00% | 0.06% |
| ACL / Loans | 1.25% | 1.26% |
Balance sheet
| Metric | Lena State Bank | Oklahoma Heritage Bank |
|---|---|---|
| Total Assets | $97,383K | $97,003K |
| Total Deposits | $80,050K | $83,130K |
| Total Loans | $64,159K | $63,045K |
| Total Equity | $9,649K | $10,701K |
| Net Income (quarter) | $216 | $4 |
Liquidity & funding
| Metric | Lena State Bank | Oklahoma Heritage Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 80.15% | 75.84% |
| Core Deposit Ratio | 85.08% | 91.68% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Lena State Bank | Oklahoma Heritage Bank |
|---|---|---|
| Headquarters City | Lena | Roff |
| Headquarters State | IL | OK |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FED |
| Domestic Branches | 1 | 4 |
| Employees (FTE) | 6 | 19 |
| Established | Jan. 1, 1867, midnight | May 7, 1979, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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