Bank Comparison
State Exchange Bank, the vs Oklahoma Heritage Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
5 · 15
winning metrics across 20 comparable rows
Capital adequacy
| Metric | State Exchange Bank, the | Oklahoma Heritage Bank |
|---|---|---|
| CET1 Ratio | — | 11.41% |
| Tier 1 Capital Ratio | — | 11.41% |
| Total Capital Ratio | — | 12.55% |
| Tier 1 Leverage Ratio | 10.72% | 8.21% |
| Equity / Assets | 10.37% | 11.03% |
Profitability
| Metric | State Exchange Bank, the | Oklahoma Heritage Bank |
|---|---|---|
| Return on Assets (ROA) | -0.03% | 0.02% |
| Return on Equity (ROE) | -0.29% | 0.15% |
| Net Interest Margin (NIM) | 3.47% | 3.55% |
| Yield on Earning Assets | 6.05% | 5.80% |
| Cost of Funds | 2.75% | 2.24% |
Asset quality
| Metric | State Exchange Bank, the | Oklahoma Heritage Bank |
|---|---|---|
| Texas Ratio | 39.99% | 2.09% |
| Non-Performing Loan Ratio | 6.92% | 0.27% |
| Non-Performing Asset Ratio | 4.74% | 0.18% |
| Net Charge-Off Ratio | 1.07% | 0.06% |
| ACL / Loans | 2.75% | 1.26% |
Balance sheet
| Metric | State Exchange Bank, the | Oklahoma Heritage Bank |
|---|---|---|
| Total Assets | $94,515K | $97,003K |
| Total Deposits | $83,483K | $83,130K |
| Total Loans | $64,700K | $63,045K |
| Total Equity | $9,802K | $10,701K |
| Net Income (quarter) | $-7 | $4 |
Liquidity & funding
| Metric | State Exchange Bank, the | Oklahoma Heritage Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 77.50% | 75.84% |
| Core Deposit Ratio | 91.49% | 91.68% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | State Exchange Bank, the | Oklahoma Heritage Bank |
|---|---|---|
| Headquarters City | LAMONT | Roff |
| Headquarters State | OK | OK |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FED |
| Domestic Branches | 1 | 4 |
| Employees (FTE) | 14 | 19 |
| Established | Oct. 1, 1901, 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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