Oklahoma Capital Bank
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Data as of · sourced from FFIEC call reports. How we update
Oklahoma Capital Bank is an FDIC-insured commercial bank headquartered in Tulsa, OK, established in 1963 (FDIC certificate 18856), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $196.3M, up 21.1% from Q2 2025, the 99th largest of 169 banks headquartered in Oklahoma. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.39% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 18856
- Headquarters
- Tulsa, OK
- Established
- 1963
- Total assets, Q2 2026
- $196.3M
- Assets vs Q2 2025
- +21.1%
- Tier 1 leverage ratio, Q2 2026
- 10.39%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 103101013
- Latest call report
- Q2 2026, FFIEC 051 · Oklahoma Capital Bank call report
- Holding company
- SOONER SOUTHWEST BANKSHARES, INC.
- Asset rank in state
- 99th of 169 in Oklahoma
Oklahoma Capital Bank pays more for its money than most banks of its size. The Tulsa, Oklahoma bank had $196 million in assets at June 30, 2026, up 21.1% from a year earlier. It pays an average of 2.75% 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%). It also holds commercial real estate loans worth 4.4 times its capital, 3.7 times the median of 1.2 times for banks its size.
Earnings jumped: net income for the quarter was $608,000, 46% above the same quarter a year earlier. Over the same year, loans grew 30.9% and deposits grew 21.7%.
As of June 30, 2026, Oklahoma Capital Bank reported a return on assets of 1.31%, a nonperforming-loan ratio of 0.30% and a Texas ratio of 2.35%. The figures come from its call report filed with the FFIEC.
Oklahoma Capital Bank ranks as the 99th largest of the 169 banks based in Oklahoma, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 7.9% to $196.3M, loans rose 7.4% and deposits rose 6.1%. Construction and land development loans made up 36.2% of its total loans on June 30, 2026, its largest category; next came commercial and industrial loans at 14.7%. Its 3 offices in the FDIC Summary of Deposits are in Tulsa, OK and Skiatook, OK; its Tulsa 2 offices book 93% of its branch deposits. Judged on its Q2 2026 call report, Oklahoma Capital Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 8080 S Yale Ave, Tulsa, OK 74136
- County
- Tulsa
- Metro Area
- Tulsa, OK
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- August 10, 1963
- Former names
- Freedom Bank of Oklahoma (2004-2016); First Bank of Turley (1992-2004)
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 25
- Domestic deposits
- $159.8M
- Allowance for credit losses
- $1.7M
- Net charge-offs (YTD)
- -$5K
- Average total assets
- $186.2M
- Average total loans
- $154.1M
- Average interest-bearing deposits
- $126.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 10, 1963
- FDIC Cert
- 18856
- Fed RSSD
- 284154
- Website
- www.oklahomacapitalbank.com →
- Parent Holding Company
- SOONER SOUTHWEST BANKSHARES, INC. (RSSD 2411619)
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, Oklahoma Capital Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Oklahoma Capital Bank's total assets ranged from $140.7M (Q4 2023) to $196.3M (Q2 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$196.3M total assets against $162.2M; $171.5M total liabilities against $137.9M.
$160.5M net loans and leases against $122.7M; $159.8M total deposits against $131.4M.
$9.1M securities against $6.4M; $16.2M cash and balances due against $22.6M.
$3.2M total interest income against $2.8M; $1.1M total interest expense against $1.0M.
$2.1M net interest income against $1.8M.
$33K total noninterest income against $41K; $1.1M total noninterest expense against $1.0M.
$135K provision for credit losses against $135K.
$608K net income against $417K.
1.31% return on assets against 1.06%; 4.70% net interest margin against 4.61%.
10.39% tier 1 leverage ratio against 12.02%.
Inside the full Oklahoma Capital Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Oklahoma Capital Bank rankings
Its closest position to the top of a national ranking is 1,050 of 3,606, for efficiency ratio; its furthest is 2,984 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.06% (Q2 2025) to 1.43% (Q4 2025) and its net interest margin ran from 4.40% (Q3 2024) to 5.05% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.39% | 1.31% | 0.30% | 2.35% | 4.70% |
| Q1 2026 | 10.31% | 1.29% | 0.32% | 2.44% | 4.65% |
| Q4 2025 | 10.57% | 1.43% | 0.33% | 2.52% | 5.05% |
| Q3 2025 | 11.92% | 1.18% | 0.35% | 2.33% | 4.75% |
| Q2 2025 | 12.02% | 1.06% | 0.31% | 1.96% | 4.61% |
| Q1 2025 | 12.58% | 1.39% | 0.31% | 1.87% | 4.86% |
| Q4 2024 | 11.76% | 1.28% | 1.28% | 7.39% | 4.45% |
| Q3 2024 | 12.70% | 1.26% | 0.97% | 5.23% | 4.40% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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 Capital Bank (main office) | Tulsa , OK | 74136 | $121.2M |
| Turley Branch | Tulsa , OK | 74126 | $27.4M |
| 1602 West Rogers Boulevard Branch | Skiatook , OK | 74070 | $11.2M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve)
- April 16, 2013, Federal Reserve: Written Agreement: Oklahoma Capital Bank (formerly known as Freedom Bank of Oklahoma)
- Period: Most recent institution action April 16, 2013. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in OK, rank 117 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $5.0M approved, $5.0M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2023 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 Capital Bank
What are Oklahoma Capital Bank's total assets?
As of the Q2 2026 filing, Oklahoma Capital Bank reported total assets of $196.3 million in its FFIEC call report.
Where is Oklahoma Capital Bank headquartered?
It is headquartered in Tulsa, OK, United States.
When was Oklahoma Capital Bank founded?
It was established in 1963, per the FDIC institution directory.
Is Oklahoma Capital Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #18856). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Oklahoma Capital Bank?
Oklahoma Capital Bank's primary federal regulator is the Federal Reserve.
How many branches does Oklahoma Capital Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Oklahoma Capital Bank's Texas Ratio?
Its Texas Ratio is 2.35% 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 Capital Bank previously called?
The charter now named Oklahoma Capital Bank has also operated as Freedom Bank of Oklahoma (2004-2016), First Bank of Turley (1992-2004), per FDIC structure-change records.
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