Corebank
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Data as of · sourced from FFIEC call reports. How we update
Corebank is an FDIC-insured commercial bank headquartered in Waynoka, OK, established in 1959 (FDIC certificate 18063), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $122.1M, down 5.6% from Q2 2025, the 122nd largest of 169 banks headquartered in Oklahoma. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.78% 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
- 18063
- Headquarters
- Waynoka, OK
- Established
- 1959
- Total assets, Q2 2026
- $122.1M
- Assets vs Q2 2025
- -5.6%
- Tier 1 leverage ratio, Q2 2026
- 11.78%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 103103642
- Asset rank in state
- 122nd of 169 in Oklahoma
Corebank pays more for its money than most banks of its size. The Waynoka, Oklahoma bank had $122 million in assets at June 30, 2026, down 5.6% from a year earlier. It pays an average of 3.15% on its deposits and borrowings, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 1.80%). On the other hand, it carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 banks its size (median 2.6%).
Earnings jumped: net income for the quarter was $616,000, 79% above the same quarter a year earlier. Over the same year, loans shrank 3.3% and deposits shrank 7.4%.
As of June 30, 2026, Corebank reported a return on assets of 1.97%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Corebank ranks as the 122nd largest of the 169 banks based in Oklahoma, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 5.3% to $122.1M, loans fell 1.1% and deposits fell 6.1%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 52.3% of total loans, followed by commercial and industrial loans at 19.2%. The FDIC Summary of Deposits lists 2 offices for it, in Oklahoma City, OK and Waynoka, OK; its Oklahoma City office books 73% of its branch deposits. Judged on its Q2 2026 call report, Corebank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1522 Missouri St, Waynoka, OK 73860
- County
- Woods
- 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
- July 20, 1959
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 19
- Domestic deposits
- $107.0M
- Allowance for credit losses
- $1.0M
- Net charge-offs (YTD)
- -$2K
- Average total assets
- $125.2M
- Average total loans
- $95.8M
- Average interest-bearing deposits
- $99.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 20, 1959
- FDIC Cert
- 18063
- Fed RSSD
- 474656
- Website
- corebankok.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, Corebank 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, Corebank's total assets ran between $96.2M (Q3 2023) and $132.2M (Q1 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$122.1M total assets against $129.3M; $107.5M total liabilities against $116.5M.
$93.7M net loans and leases against $96.9M; $107.0M total deposits against $115.6M.
$11.2M securities against $12.1M; $14.4M cash and balances due against $17.1M.
$2.2M total interest income against $2.3M; $872K total interest expense against $1.1M.
$1.3M net interest income against $1.2M.
$315K total noninterest income against $47K; $852K total noninterest expense against $760K.
$0 provision for credit losses against $48K.
$616K net income against $345K.
1.97% return on assets against 1.05%; 4.32% net interest margin against 3.85%.
11.78% tier 1 leverage ratio against 9.88%.
Inside the full Corebank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCorebank rankings
Its closest position to the top of a national ranking is 530 of 3,611, for ROA; its furthest is 3,615 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.72% (Q3 2024) to 1.97% (Q2 2026) and its net interest margin ran from 3.85% (Q2 2025) to 4.55% (Q3 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.78% | 1.97% | 0.00% | 0.00% | 4.32% |
| Q1 2026 | 11.16% | 1.08% | 0.00% | 0.00% | 4.10% |
| Q4 2025 | 11.15% | 1.36% | 0.00% | 0.00% | 4.41% |
| Q3 2025 | 10.58% | 1.26% | 0.00% | 0.00% | 4.19% |
| Q2 2025 | 9.88% | 1.05% | 0.00% | 0.00% | 3.85% |
| Q1 2025 | 10.53% | 1.06% | 0.00% | 0.00% | 4.07% |
| Q4 2024 | 10.45% | 1.14% | 0.00% | 0.00% | 4.02% |
| Q3 2024 | 10.61% | 0.72% | 0.00% | 0.00% | 4.55% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 |
|---|---|---|---|
| Corebank (Branch) | Oklahoma City , OK | 73103 | $78.6M |
| Corebank (main office) | Waynoka , OK | 73860 | $28.4M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| February 1, 2018 | Structure Change | Acquired Waynoka Bancshares, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in OK, rank 135 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 Corebank
What are Corebank's total assets?
As of the Q2 2026 filing, Corebank reported total assets of $122.1 million in its FFIEC call report.
Where is Corebank headquartered?
It is headquartered in Waynoka, OK, United States.
When was Corebank founded?
It was established in 1959, per the FDIC institution directory.
Is Corebank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #18063). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Corebank?
Corebank's primary federal regulator is the FDIC.
How many branches does Corebank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Corebank's Texas Ratio?
Its Texas Ratio is 0.00% 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.
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