Oklahoma Bank and Trust Company
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Data as of · sourced from FFIEC call reports. How we update
Oklahoma Bank and Trust Company is an FDIC-insured commercial bank headquartered in Clinton, OK, established in 1908 (FDIC certificate 4067), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $202.3M, up 4.6% from Q2 2025, the 98th largest of 169 banks headquartered in Oklahoma. Its CET1 capital ratio was 40.55% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 4067
- Headquarters
- Clinton, OK
- Established
- 1908
- Total assets, Q2 2026
- $202.3M
- Assets vs Q2 2025
- +4.6%
- CET1 ratio, Q2 2026
- 40.55%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 103101848
- Latest call report
- Q2 2026, FFIEC 051 · Oklahoma Bank and Trust Company call report
- Holding company
- OKLAHOMA BANCORPORATION, INC.
- Asset rank in state
- 98th of 169 in Oklahoma
Oklahoma Bank and Trust Company, based in Clinton, Oklahoma, reported $202 million in assets at June 30, 2026, up 4.6% from a year earlier. It keeps 2.87 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). On the other hand, it holds common equity equal to 40.55% of its risk-weighted assets, 2.7 times the median of 15.12% for banks its size.
Loans and deposits moved in opposite directions: over the year loans fell 3.0% and deposits rose 4.8%. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 0.61% of loans, down from 0.94% a year earlier.
As of June 30, 2026, Oklahoma Bank and Trust Company reported a CET1 capital ratio of 40.55%, a return on assets of 1.42%, a nonperforming-loan ratio of 0.61% and a Texas ratio of 1.52%. The figures come from its call report filed with the FFIEC.
Of the 169 banks headquartered in Oklahoma, Oklahoma Bank and Trust Company is the 98th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 1.2% to $202.3M, loans fell 7.3% and deposits fell 1.3%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 26.0% of total loans, ahead of agricultural production loans at 20.3%. Its 4 offices in the FDIC Summary of Deposits are in Clinton, OK and Arapaho, OK; its Clinton 3 offices book 65% of its branch deposits. By the capital ratios in its Q2 2026 call report, Oklahoma Bank and Trust Company meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 600 W Gary Blvd, Clinton, OK 73601
- County
- Custer
- Metro Area
- Weatherford, OK
- 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
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- March 2, 1908
- Former names
- The Oklahoma National Bank of Clinton (1970-1971)
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 27
- Domestic deposits
- $173.9M
- Allowance for credit losses
- $1.8M
- Net charge-offs (YTD)
- -$47K
- Average total assets
- $204.1M
- Average total loans
- $71.7M
- Average interest-bearing deposits
- $136.6M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4067
- Fed RSSD
- 159953
- Website
- https://www.oklabank.com →
- Parent Holding Company
- OKLAHOMA BANCORPORATION, INC. (RSSD 1065613)
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
From Q3 2023 to Q2 2026, Oklahoma Bank and Trust Company's total assets ranged from $182.9M (Q3 2023) to $208.8M (Q4 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
$202.3M total assets against $193.3M; $176.0M total liabilities against $168.2M.
$67.8M net loans and leases against $69.9M; $173.9M total deposits against $166.0M.
$123.9M securities against $108.2M; $7.6M cash and balances due against $12.1M.
$2.2M total interest income against $2.1M; $838K total interest expense against $866K.
$1.4M net interest income against $1.3M.
$132K total noninterest income against $139K; $783K total noninterest expense against $775K.
$15K provision for credit losses against $0.
$723K net income against $644K.
1.42% return on assets against 1.31%; 2.87% net interest margin against 2.72%.
40.55% CET1 capital ratio against 38.42%; 14.05% tier 1 leverage ratio against 14.11%.
Inside the full Oklahoma Bank and Trust Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeOklahoma Bank and Trust Company rankings
Its closest position to the top of a national ranking is 20 of 2,134, for CET1 ratio; its furthest is 2,945 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.02% (Q3 2024) to 1.47% (Q1 2026) and its net interest margin ran from 2.51% (Q3 2024) to 2.93% (Q1 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 40.55% | 1.42% | 0.61% | 1.52% | 2.87% |
| Q1 2026 | 38.62% | 1.47% | 0.23% | 0.62% | 2.93% |
| Q4 2025 | 37.31% | 1.12% | 0.07% | 0.89% | 2.86% |
| Q3 2025 | 38.97% | 1.11% | 0.72% | 1.91% | 2.76% |
| Q2 2025 | 38.42% | 1.31% | 0.94% | 2.52% | 2.72% |
| Q1 2025 | 36.88% | 1.21% | 0.56% | 1.60% | 2.54% |
| Q4 2024 | 37.85% | 1.12% | 0.67% | 1.91% | 2.56% |
| Q3 2024 | 37.26% | 1.02% | 0.61% | 1.64% | 2.51% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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 |
|---|---|---|---|
| Oklahoma Bank and Trust Company (main office) | Clinton , OK | 73601 | $112.4M |
| Arapaho Branch | Arapaho , OK | 73620 | $61.6M |
| Detached Drive-In Facility | Clinton , OK | 73601 | $0 |
| Operations Center Branch | Clinton , OK | 73601 | $0 |
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 |
|---|---|---|---|
| August 23, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 23, 1999 | Structure Change | Acquired Custer County State Bank 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 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in OK, rank 113 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $350K approved, $350K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2022 (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 Oklahoma Bank and Trust Company
What are Oklahoma Bank and Trust Company's total assets?
As of the Q2 2026 filing, Oklahoma Bank and Trust Company reported total assets of $202.3 million in its FFIEC call report.
Where is Oklahoma Bank and Trust Company headquartered?
It is headquartered in Clinton, OK, United States.
When was Oklahoma Bank and Trust Company founded?
It was established in 1908, per the FDIC institution directory.
Is Oklahoma Bank and Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #4067). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Oklahoma Bank and Trust Company?
Oklahoma Bank and Trust Company's primary federal regulator is the FDIC.
What is Oklahoma Bank and Trust Company's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 40.55% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Oklahoma Bank and Trust Company operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Oklahoma Bank and Trust Company's Texas Ratio?
Its Texas Ratio is 1.52% 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 Oklahoma Bank and Trust Company previously called?
The charter now named Oklahoma Bank and Trust Company has also operated as The Oklahoma National Bank of Clinton (1970-1971), per FDIC structure-change records.
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