The Hopeton State Bank
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Data as of · sourced from FFIEC call reports. How we update
The Hopeton State Bank is an FDIC-insured commercial bank headquartered in Hopeton, OK, established in 1919 (FDIC certificate 12585), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $30.8M, up 1.1% from Q2 2025, the 163rd largest of 169 banks headquartered in Oklahoma. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.32% 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
- 12585
- Headquarters
- Hopeton, OK
- Established
- 1919
- Total assets, Q2 2026
- $30.8M
- Assets vs Q2 2025
- +1.1%
- Tier 1 leverage ratio, Q2 2026
- 11.32%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 103111197
- Latest call report
- Q2 2026, FFIEC 051 · The Hopeton State Bank call report
- Holding company
- ONE AMERICA BANCORP, INC.
- Asset rank in state
- 163rd of 169 in Oklahoma
The Hopeton State Bank spends more to run itself than most banks of its size. The Hopeton, Oklahoma bank had $31 million in assets at June 30, 2026, up 1.1% from a year earlier. It loses about $0.68 a year on every $100 of assets, lower than about 9 in 10 of the 583 banks with less than $100 million in assets (median $1.06). It also spends about 116 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 69 cents).
It lost $53,000 in the quarter. Over the same year, loans grew 54.3% and deposits grew 1.2%.
As of June 30, 2026, The Hopeton State Bank reported a return on assets of -0.68%, 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.
Of the 169 banks headquartered in Oklahoma, The Hopeton State Bank is the 163rd largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 1.2% to $30.8M, loans fell 2.3% and deposits fell 1.2%. Its loan book on June 30, 2026 was led by commercial and industrial loans, at 31.8% of total loans, followed by 1-4 family residential loans at 29.6%. The FDIC Summary of Deposits lists a single office for it, in Hopeton, OK. Judged on its Q2 2026 call report, The Hopeton State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 19495 County Rd 440, Hopeton, OK 73746
- 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
- January 1, 1919
- Former names
- The Hopeton State Bank (1972)
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 9
- Domestic deposits
- $24.9M
- Allowance for credit losses
- $105K
- Net charge-offs (YTD)
- $0
- Average total assets
- $31.0M
- Average total loans
- $20.6M
- Average interest-bearing deposits
- $18.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 12585
- Fed RSSD
- 877958
- SEC CIK
- 1986034 → filed by ONE AMERICA BANCORP, INC.
- Website
- hopetonbank.com →
- Parent Holding Company
- ONE AMERICA BANCORP, INC. (RSSD 5946167)
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, The Hopeton State Bank 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, The Hopeton State Bank's total assets ran between $25.2M (Q4 2023) and $31.6M (Q4 2025), and it earned a profit in 4 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$30.8M total assets against $30.5M; $25.0M total liabilities against $24.7M.
$20.2M net loans and leases against $13.1M; $24.9M total deposits against $24.6M.
$3.2M securities against $6.9M; $3.2M cash and balances due against $6.3M.
$426K total interest income against -$285K; $107K total interest expense against -$115K.
$319K net interest income against -$170K.
$20K total noninterest income against -$10K; $407K total noninterest expense against -$158K.
$0 provision for credit losses against $105K.
-$53K net income against -$90K.
-0.68% return on assets against -1.37%; 4.78% net interest margin.
11.32% tier 1 leverage ratio against 13.02%.
Inside the full The Hopeton State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -1.37% (Q2 2025) to 2.71% (Q4 2025) and its net interest margin ran from 3.52% (Q3 2024) to 4.78% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.32% | -0.68% | 0.00% | 0.00% | 4.78% |
| Q1 2026 | 11.41% | -0.90% | 0.00% | 0.00% | 3.87% |
| Q4 2025 | 11.42% | 2.71% | 0.00% | 0.00% | 3.71% |
| Q3 2025 | 11.30% | -0.11% | 0.00% | 0.00% | 4.37% |
| Q2 2025 | 13.02% | -1.37% | 0.00% | 0.00% | — |
| Q1 2025 | 10.75% | -0.43% | 0.19% | 1.21% | 3.70% |
| Q4 2024 | 10.63% | 0.00% | 2.24% | 13.02% | 3.94% |
| Q3 2024 | 10.26% | 0.22% | 0.00% | 0.00% | 3.52% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 |
|---|---|---|---|
| The Hopeton State Bank | Hopeton , OK | 73746 | $24.9M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in OK, rank 184 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 The Hopeton State Bank
What are The Hopeton State Bank's total assets?
As of the Q2 2026 filing, The Hopeton State Bank reported total assets of $30.8 million in its FFIEC call report.
Where is The Hopeton State Bank headquartered?
It is headquartered in Hopeton, OK, United States.
When was The Hopeton State Bank founded?
It was established in 1919, per the FDIC institution directory.
Is The Hopeton State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #12585). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Hopeton State Bank?
The Hopeton State Bank's primary federal regulator is the FDIC.
How many branches does The Hopeton State Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Hopeton State Bank'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.
What was The Hopeton State Bank previously called?
The charter now named The Hopeton State Bank has also operated as The Hopeton State Bank (1972), per FDIC structure-change records.
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