Latimer State Bank
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Data as of · sourced from FFIEC call reports. How we update
Latimer State Bank is an FDIC-insured commercial bank headquartered in Wilburton, OK, established in 1979 (FDIC certificate 22839), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $65.5M, down 1.0% from Q2 2025, the 147th largest of 169 banks headquartered in Oklahoma.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 22839
- Headquarters
- Wilburton, OK
- Established
- 1979
- Total assets, Q2 2026
- $65.5M
- Assets vs Q2 2025
- -1.0%
- Capital ratio
- Not reported
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 103102300
- Holding company
- FIRST LATIMER CORPORATION
- Asset rank in state
- 147th of 169 in Oklahoma
Problem loans are rising at Latimer State Bank. It reported $66 million in assets at June 30, 2026. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.83% of loans from 0.36% a year earlier. It spends about 32 cents to bring in each dollar of revenue, about half the median of 69 cents for the 583 banks with less than $100 million in assets. It also earns about $2.61 a year on every $100 of assets, 2.5 times the median of $1.06 for banks its size.
As of June 30, 2026, Latimer State Bank reported a CET1 capital ratio of 72.24%, a return on assets of 2.61%, a nonperforming-loan ratio of 0.83% and a Texas ratio of 0.65%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Latimer State Bank is the 147th largest of the 169 banks headquartered in Oklahoma. Between Q1 2026 and Q2 2026, its total assets fell 0.8% to $65.5M, loans rose 0.2% and deposits fell 0.8%. Commercial and industrial loans made up 45.0% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 23.4%. Its one office in the FDIC Summary of Deposits is in Wilburton, OK. By the capital ratios in its Q2 2026 call report, Latimer State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 301 W Main St, Wilburton, OK 74578
- County
- Latimer
- 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 041
- Established
- April 9, 1979
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 6
- Domestic deposits
- $49.2M
- Allowance for credit losses
- $215K
- Net charge-offs (YTD)
- $0
- Average total assets
- $65.5M
- Average total loans
- $12.6M
- Average interest-bearing deposits
- $38.7M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 9, 1979
- FDIC Cert
- 22839
- Fed RSSD
- 51356
- Parent Holding Company
- FIRST LATIMER CORPORATION (RSSD 1066964)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Latimer State Bank's total assets moved between a low of $65.1M (Q3 2024) and a high of $68.0M (Q1 2024) from Q3 2023 to Q2 2026, 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
$65.5M total assets against $66.2M; $49.3M total liabilities against $50.3M.
$12.6M net loans and leases against $12.8M; $49.2M total deposits against $50.2M.
$15.9M securities against $17.0M; $36.4M cash and balances due against $35.7M.
$713K total interest income against $767K; $108K total interest expense against $110K.
$605K net interest income against $657K.
$25K total noninterest income against $26K; $203K total noninterest expense against $223K.
$0 provision for credit losses against $0.
$427K net income against $460K.
2.61% return on assets against 2.76%; 3.92% net interest margin against 4.13%.
72.24% CET1 capital ratio against 69.63%; 25.01% tier 1 leverage ratio against 23.83%.
Inside the full Latimer State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeLatimer State Bank rankings
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 2.08% (Q4 2025) to 2.94% (Q3 2025) and its net interest margin ran from 3.81% (Q3 2024) to 4.36% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 72.24% | 2.61% | 0.83% | 0.65% | 3.92% |
| Q1 2026 | 72.60% | 2.48% | 1.30% | 1.00% | 3.97% |
| Q4 2025 | 72.39% | 2.08% | 0.58% | 0.46% | 4.13% |
| Q3 2025 | 71.29% | 2.94% | 1.10% | 0.87% | 4.36% |
| Q2 2025 | 69.63% | 2.76% | 0.36% | 0.44% | 4.13% |
| Q1 2025 | 69.31% | 2.57% | 1.25% | 1.13% | 3.98% |
| Q4 2024 | 68.20% | 2.18% | 1.00% | 0.97% | 3.99% |
| Q3 2024 | 69.16% | 2.49% | 0.87% | 0.83% | 3.81% |
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 |
|---|---|---|---|
| Latimer State Bank (main office) | Wilburton , OK | 74578 | $49.2M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in OK, rank 172 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $17K approved, $17K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2000 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 Latimer State Bank
What are Latimer State Bank's total assets?
As of the Q2 2026 filing, Latimer State Bank reported total assets of $65.5 million in its FFIEC call report.
Where is Latimer State Bank headquartered?
It is headquartered in Wilburton, OK, United States.
When was Latimer State Bank founded?
It was established in 1979, per the FDIC institution directory.
Is Latimer State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #22839). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Latimer State Bank?
Latimer State Bank's primary federal regulator is the FDIC.
What is Latimer State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 72.24% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Latimer 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 Latimer State Bank's Texas Ratio?
Its Texas Ratio is 0.65% 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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