Bank Comparison
Oklahoma Heritage Bank vs Bank of Calhoun County
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 11
winning metrics across 22 comparable rows
Capital adequacy
| Metric | Oklahoma Heritage Bank | Bank of Calhoun County |
|---|---|---|
| CET1 Ratio | 11.41% | 19.26% |
| Tier 1 Capital Ratio | 11.41% | 19.26% |
| Total Capital Ratio | 12.55% | 19.84% |
| Tier 1 Leverage Ratio | 8.21% | 9.60% |
| Equity / Assets | 11.03% | 9.54% |
Profitability
| Metric | Oklahoma Heritage Bank | Bank of Calhoun County |
|---|---|---|
| Return on Assets (ROA) | 0.02% | 0.94% |
| Return on Equity (ROE) | 0.15% | 9.91% |
| Net Interest Margin (NIM) | 3.55% | 3.36% |
| Yield on Earning Assets | 5.80% | 4.68% |
| Cost of Funds | 2.24% | 1.41% |
Asset quality
| Metric | Oklahoma Heritage Bank | Bank of Calhoun County |
|---|---|---|
| Texas Ratio | 2.09% | 2.01% |
| Non-Performing Loan Ratio | 0.27% | 0.36% |
| Non-Performing Asset Ratio | 0.18% | 0.19% |
| Net Charge-Off Ratio | 0.06% | -0.01% |
| ACL / Loans | 1.26% | 0.54% |
Balance sheet
| Metric | Oklahoma Heritage Bank | Bank of Calhoun County |
|---|---|---|
| Total Assets | $97,003K | $97,003K |
| Total Deposits | $83,130K | $87,254K |
| Total Loans | $63,045K | $51,870K |
| Total Equity | $10,701K | $9,253K |
| Net Income (quarter) | $4 | $229 |
Liquidity & funding
| Metric | Oklahoma Heritage Bank | Bank of Calhoun County |
|---|---|---|
| Loan-to-Deposit Ratio | 75.84% | 59.45% |
| Core Deposit Ratio | 91.68% | 88.38% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Oklahoma Heritage Bank | Bank of Calhoun County |
|---|---|---|
| Headquarters City | Roff | HARDIN |
| Headquarters State | OK | IL |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 4 | 3 |
| Employees (FTE) | 19 | 14 |
| Established | May 7, 1979, midnight | Jan. 1, 1898, 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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