Oklahoma Heritage Bank
Operating from Roff, OK, Oklahoma Heritage Bank serves its local market as an FDIC-insured commercial bank. On its most recent Q1 2026 call report, Oklahoma Heritage reported $97M in total assets against $83M in deposits. Returns are subdued: 0.02% ROA and 0.15% ROE. Capital cushions are healthy: 11.41% CET1, 8.21% Tier 1 leverage. Asset quality is pristine — 0.27% NPLs and a 2.09% Texas Ratio. It operates 4 branches, primarily in Oklahoma.
Headquarters Profile
- Address
- 515 S Hickory, Roff, OK 74865
- County
- Pontotoc
- Metro Area
- ADA, OK
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- FED
- Fed District
- 13
- Established
- May 7, 1979
- Branches
- 4 domestic
- Employees (FTE)
- 19
- FDIC Cert
- 22855
- Fed RSSD
- 709956
Capital & Liquidity
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Oklahoma Heritage Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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.
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
Sourced from unified bank events (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
Similar banks
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Frequently asked about Oklahoma Heritage Bank
What are Oklahoma Heritage Bank's total assets?
As of the Q1 2026 filing, Oklahoma Heritage Bank reported total assets of $97.0 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Oklahoma Heritage Bank headquartered?
Oklahoma Heritage Bank is headquartered in Roff, OK, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Oklahoma Heritage Bank founded?
Oklahoma Heritage Bank was established in 1979, per the FDIC institution directory.
Is Oklahoma Heritage Bank FDIC-insured?
Yes. Oklahoma Heritage Bank is an FDIC-insured commercial bank (FDIC Certificate #22855). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Oklahoma Heritage Bank?
Oklahoma Heritage Bank's primary federal regulator is the FED. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Oklahoma Heritage Bank's CET1 capital ratio?
Oklahoma Heritage Bank reported a Common Equity Tier 1 (CET1) capital ratio of 11.41% in its most recent quarterly filing — above regulatory minimums.
How many branches does Oklahoma Heritage Bank operate?
Oklahoma Heritage Bank operates 4 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Oklahoma Heritage Bank's Texas Ratio?
Oklahoma Heritage Bank's Texas Ratio is 2.09% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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