Bank Comparison
Oklahoma Capital Bank vs Solomon State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
6 · 13
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Oklahoma Capital Bank | Solomon State Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 10.31% | 18.81% |
| Equity / Assets | 13.29% | 18.80% |
Profitability
| Metric | Oklahoma Capital Bank | Solomon State Bank |
|---|---|---|
| Return on Assets (ROA) | 1.29% | 2.12% |
| Return on Equity (ROE) | 9.79% | 11.32% |
| Net Interest Margin (NIM) | 4.65% | 3.98% |
| Yield on Earning Assets | 7.21% | 6.08% |
| Cost of Funds | 2.85% | 2.61% |
Asset quality
| Metric | Oklahoma Capital Bank | Solomon State Bank |
|---|---|---|
| Texas Ratio | 2.44% | 0.34% |
| Non-Performing Loan Ratio | 0.32% | 0.00% |
| Non-Performing Asset Ratio | 0.26% | 0.07% |
| Net Charge-Off Ratio | -0.01% | -0.03% |
| ACL / Loans | 1.06% | 3.64% |
Balance sheet
| Metric | Oklahoma Capital Bank | Solomon State Bank |
|---|---|---|
| Total Assets | $181,932K | $181,502K |
| Total Deposits | $150,622K | $145,738K |
| Total Loans | $151,005K | $140,567K |
| Total Equity | $24,186K | $34,123K |
| Net Income (quarter) | $585 | $961 |
Liquidity & funding
| Metric | Oklahoma Capital Bank | Solomon State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 100.25% | 96.45% |
| Core Deposit Ratio | 87.16% | 89.23% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Oklahoma Capital Bank | Solomon State Bank |
|---|---|---|
| Headquarters City | TULSA | SOLOMON |
| Headquarters State | OK | KS |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 3 | 3 |
| Employees (FTE) | 24 | 19 |
| Established | Aug. 10, 1963, midnight | July 1, 1905, 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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