Bank call report · Roff, OK
Oklahoma Heritage Bank Call Report
Filed for the quarter ended (Q1 2026) on the FFIEC 041. Source: FFIEC Central Data Repository.
BankRegReports is independent of Oklahoma Heritage Bank and never asks for online banking logins or passwords.
Oklahoma Heritage Bank filed its latest call report for the quarter ended March 31, 2026 on the FFIEC 041. Below are its 274 reported line items, schedule by schedule (900 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
This is the last call report on file for Oklahoma Heritage Bank; it has not filed for the most recent published quarter.
| Call report form | FFIEC 041 |
|---|---|
| Latest quarter filed | Q1 2026 (March 31, 2026) |
| Federal Reserve RSSD ID | 709956 |
| FDIC certificate number | 22855 |
| Total assets | $97.0M |
Official Q1 2026 call report PDF (FFIEC) →
Oklahoma Heritage Bank call report by schedule, Q1 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 041.
Schedule RC: Balance Sheet (23 items)
About Schedule RC · Oklahoma Heritage Bank balance sheet trends
| Line item | Code | Q1 2026 |
|---|---|---|
| Total assets | RCON2170 | $97.0M |
| Total liabilities, limited-life preferred stock, and equity capital | RCON3300 | $97.0M |
| Total liabilities and minority interest | RCON2948 | $86.3M |
| Total deposits | RCON2200 | $83.1M |
| Total interest-bearing deposits in foreign and domestic offices | RCON6636 | $64.3M |
| Loans and leases, net of unearned income - totals | RCONB528 | $63.0M |
| Loans and leases, net of unearned income and allowance | RCONB529 | $62.3M |
| Deposits, noninterest-bearing | RCON6631 | $18.8M |
| Surplus | RCON3839 | $11.2M |
| Total equity capital | RCON3210 | $10.7M |
| Total equity capital including noncontrolling minority interests in consolidated subsidiaries | RCONG105 | $10.7M |
| Interest-bearing balances | RCON0071 | $10.6M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $8.1M |
| Premises and fixed assets (including capitalized leases) | RCON2145 | $7.1M |
| Intangible assets | RCON2143 | $3.3M |
| Other liabilities, total | RCON2930 | $3.2M |
| Noninterest-bearing balances and currency and coin | RCON0081 | $2.1M |
| Federal funds sold | RCONB987 | $1.9M |
| Other assets | RCON2160 | $1.6M |
| Allowance for loan and lease losses | RCON3123 | $792K |
| Undivided profits and capital reserves | RCON3632 | -$699K |
| Accumulated other comprehensive income | RCONB530 | $219K |
| Fiscal year end date | RCON8678 | 1,231 |
Schedule RI: Income Statement (37 items)
About Schedule RI · Oklahoma Heritage Bank income statement trends
| Line item | Code | Q1 2026 |
|---|---|---|
| Total interest income | RIAD4107 | $1.3M |
| Total noninterest expense | RIAD4093 | $1.1M |
| Interest and fee income on loans, total | RIAD4010 | $1.1M |
| Net interest income | RIAD4074 | $772K |
| Other noninterest expense | RIAD4092 | $554K |
| Total interest expense | RIAD4073 | $488K |
| Interest and fee income on all other loans secured by real estate | RIAD4436 | $390K |
| Interest and fee income on loans secured by 1-4 family residential properties | RIAD4435 | $361K |
| Salaries and employee benefits | RIAD4135 | $292K |
| Interest and fee income on commercial and industrial loans | RIAD4012 | $274K |
| Applicable income taxes | RIAD4302 | -$206K |
| Income (loss) before applicable income taxes and discontinued operations | RIAD4301 | -$202K |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | -$202K |
| Savings deposits (including mmdas) | RIAD0093 | $195K |
| Expenses of premises and fixed assets | RIAD4217 | $157K |
| Interest expense, interest on deposits, nontransaction accounts, time deposits of 250000 or less | RIADHK03 | $154K |
| Total noninterest income | RIAD4079 | $93K |
| Amortization expense and impairment losses intangible assets | RIADC232 | $89K |
| Interest income on balances due from depository institutions | RIAD4115 | $86K |
| Interest expense, interest on deposits, nontransaction accounts, time deposits of more than 250000 | RIADHK04 | $80K |
| Other noninterest income | RIADB497 | $57K |
| Interest and dividend income on tax-exempt securities issued by states and political subdivisions in the U.S. | RIAD4507 | $51K |
| Interest on other securities | RIAD4060 | $51K |
| Loans to individuals for household, family, and other personal expenditures, other (includes single payment, installment, all student loans, and revolving credit plans other than credit cards) | RIADB486 | $36K |
| Service charges on deposit accounts in domestic offices | RIAD4080 | $36K |
| Interest income on federal funds sold and securities purchased under agreements to resell | RIAD4020 | $35K |
| Interest on trading liabilities and other borrowed money | RIAD4185 | $35K |
| Provision for loan and lease losses | RIAD4230 | -$25K |
| Provisions for credit losses on financial assets | RIADJJ33 | -$25K |
| Interest on transaction accounts (NOW accounts, ats accounts, and telephone and preauthorized transfer accounts) | RIAD4508 | $24K |
| Interest and dividend income on securities, mortgage-backed securities | RIADB489 | $12K |
| Interest and fee income on all other loans in domestic offices | RIAD4058 | $11K |
| Income (loss) before discontinued operations | RIAD4300 | $4K |
| Net income (loss) | RIAD4340 | $4K |
| Net income (loss) attributable to bank and noncontrolling minority interests | RIADG104 | $4K |
| Other interest income | RIAD4518 | $4K |
| Number of full time equivalent employees on payroll at end of current period | RIAD4150 | 19 |
Schedule RC-B: Securities (17 items)
About Schedule RC-B · Oklahoma Heritage Bank securities trends
| Line item | Code | Q1 2026 |
|---|---|---|
| Mortgage-backed securities (MBS), residential pass-through securities, guaranteed by GNMA, available-for-sale amortized cost | RCONG302 | $359K |
| Mortgage-backed securities (MBS), residential pass-through securities, guaranteed by GNMA, available-for-sale fair value | RCONG303 | $361K |
| Mortgage-backed securities (MBS), residential pass-through securities, issued by FNMA and FHLMC, available-for-sale amortized cost | RCONG306 | $836K |
| Mortgage-backed securities (MBS), residential pass-through securities, issued by FNMA and FHLMC, available-for-sale fair value | RCONG307 | $818K |
| Total amortized cost of available-for-sale securities | RCON1772 | $8.3M |
| Pledged securities | RCON0416 | $8.1M |
| Amortized cost of available-for-sale securities issued by states and political subdivisions in the U.S. | RCON8498 | $7.1M |
| Fair value of available-for-sale securities issued by states and political subdivisions in the U.S. | RCON8499 | $7.0M |
| Securities issued by the U.S. treasury, U.S. government agencies, and states and political subdivisions in the U.S., other non-mortgage debt securities, and mortgage pass-through securities other than those backed by closed-end first lien 1-4 family residential mortgages with a remaining maturity or next repricing date of over five years through fifteen years | RCONA553 | $3.1M |
| Securities issued by the U.S. treasury, U.S. government agencies, and states and political subdivisions in the U.S., other non-mortgage debt securities, and mortgage pass-through securities other than those backed by closed-end first lien 1-4 family residential mortgages with a remaining maturity or next repricing date of over one year through three years | RCONA551 | $2.0M |
| Securities issued by the U.S. treasury, U.S. government agencies, and states and political subdivisions in the U.S., other non-mortgage debt securities, and mortgage pass-through securities other than those backed by closed-end first lien 1-4 family residential mortgages with a remaining maturity or next repricing date of over three years through five years | RCONA552 | $1.4M |
| Mortgage pass-through securities backed by closed-end first lien 1-4 family residential mortgages with a remaining maturity or next repricing date of over 15 years | RCONA560 | $800K |
| Fixed rate and floating rate debt securities with a remaining maturity of one year or less | RCONA248 | $472K |
| Securities issued by the U.S. treasury, U.S. government agencies, and states and political subdivisions in the U.S., other non-mortgage debt securities, and mortgage pass-through securities other than those backed by closed-end first lien 1-4 family residential mortgages with a remaining maturity or next repricing date of over three months through 12 months | RCONA550 | $471K |
| Mortgage pass-through securities backed by closed-end first lien 1-4 family residential mortgages with a remaining maturity or next repricing date of over five years through 15 years | RCONA559 | $366K |
| Mortgage pass-through securities backed by closed-end first lien 1-4 family residential mortgages with a remaining maturity or next repricing date of over one year through three years | RCONA557 | $11K |
| Mortgage pass-through securities backed by closed-end first lien 1-4 family residential mortgages with a remaining maturity or next repricing date of over three months through 12 months | RCONA556 | $2K |
Schedule RC-C, Part I: Loans and Leases (27 items)
About Schedule RC-C, Part I · Oklahoma Heritage Bank loans and leases trends
| Line item | Code | Q1 2026 |
|---|---|---|
| Total loans and leases, net of unearned income | RCON2122 | $63.0M |
| Fixed rate and floating rate loans and leases with a remaining maturity of one year or less | RCONA247 | $33.1M |
| Commercial and industrial loans | RCON1766 | $26.1M |
| All other loans secured by 1-4 family residential properties, secured by first liens | RCON5367 | $18.2M |
| Pledged loans and leases | RCONG378 | $14.9M |
| All loans and leases other than closed-end loans secured by first liens on 1-4 family residential properties (in domestic offices) with a remaining maturity or repricing frequency of over three months through 12 months | RCONA571 | $14.0M |
| Adjustable rate closed-end loans secured by first liens on 1-4 family residential properties | RCON5370 | $12.8M |
| All loans and leases other than closed-end loans secured by first liens on 1-4 family residential properties (in domestic offices) with a remaining maturity or repricing frequency of over one year through three years | RCONA572 | $12.6M |
| All loans and leases other than closed-end loans secured by first liens on 1-4 family residential properties (in domestic offices) with a remaining maturity or repricing frequency of three months or less | RCONA570 | $9.2M |
| Closed-end loans secured by first liens on 1-4 family residential properties (in domestic offices) with a remaining maturity or repricing frequency of over three months through 12 months | RCONA565 | $6.6M |
| Closed-end loans secured by first liens on 1-4 family residential properties (in domestic offices) with a remaining maturity or repricing frequency of over 15 years | RCONA569 | $5.9M |
| Loans secured by other construction loans and all land development and other land loans | RCONF159 | $4.2M |
| Real estate loans secured by farmland | RCON1420 | $3.7M |
| Loans secured by other nonfarm nonresidential properties. | RCONF161 | $3.7M |
| All loans and leases other than closed-end loans secured by first liens on 1-4 family residential properties (in domestic offices) with a remaining maturity or repricing frequency of over three years through five years | RCONA573 | $3.5M |
| All loans and leases other than closed-end loans secured by first liens on 1-4 family residential properties (in domestic offices) with a remaining maturity or repricing frequency of over five years through 15 years | RCONA574 | $3.3M |
| Closed-end loans secured by first liens on 1-4 family residential properties (in domestic offices) with a remaining maturity or repricing frequency of three months or less | RCONA564 | $3.3M |
| Loans secured by owner occupied nonfarm nonresidential properties | RCONF160 | $2.4M |
| All loans and leases other than closed-end loans secured by first liens on 1-4 family residential properties (in domestic offices) with a remaining maturity or repricing frequency of over 15 years | RCONA575 | $2.2M |
| Loans to finance agricultural production and other loans to farmers | RCON1590 | $2.0M |
| Closed-end loans secured by first liens on 1-4 family residential properties (in domestic offices) with a remaining maturity or repricing frequency of over one year through three years | RCONA566 | $1.8M |
| Automobile loans to individuals for household, family, and other personal expenditures (i.e., consumer loans)(includes purchased paper) | RCONK137 | $1.3M |
| Loans secured by 1-4 family residential construction | RCONF158 | $706K |
| Closed-end loans secured by first liens on 1-4 family residential properties (in domestic offices) with a remaining maturity or repricing frequency of over five years through 15 years | RCONA568 | $567K |
| Other consumer loans to individuals for household, family, and other personal expenditures (includes single payment, installment, and all student loans) | RCONK207 | $567K |
| All other loans secured by 1-4 family residential properties, secured by junior liens | RCON5368 | $161K |
| Closed-end loans secured by first liens on 1-4 family residential properties (in domestic offices) with a remaining maturity or repricing frequency of over three years through five years | RCONA567 | $3K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (20 items)
| Line item | Code | Q1 2026 |
|---|---|---|
| Amount currently outstanding of commercial and industrial loans to U.S. addressees (in domestic offices) with original amounts of more than $250,000 through $1,000,000 | RCON5575 | $4.8M |
| Amount currently outstanding of commercial and industrial loans to U.S. addressees (in domestic offices) with original amounts of $100,000 or less | RCON5571 | $4.5M |
| Amount currently outstanding of loans secured by nonfarm nonresidential properties (in domestic offices) with original amounts of more than $100,000 through $250,000 | RCON5567 | $2.7M |
| Amount currently outstanding of loans secured by nonfarm nonresidential properties (in domestic offices) with original amounts of more than $250,000 through $1,000,000 | RCON5569 | $1.9M |
| Amount currently outstanding of commercial and industrial loans to U.S. addressees (in domestic offices) with original amounts of more than $100,000 through $250,000 | RCON5573 | $1.9M |
| Amount currently outstanding of loans secured by farmland (including farm residential and other improvements) (in domestic offices) with original amounts of $100,000 or less | RCON5579 | $1.4M |
| Amount currently outstanding of loans secured by farmland (including farm residential and other improvements) (in domestic offices) with original amounts of more than $100,000 through $250,000 | RCON5581 | $1.2M |
| Amount currently outstanding of loans to finance agricultural production and other loans to farmers (in domestic offices) with original amounts of $100,000 or less | RCON5585 | $616K |
| Amount currently outstanding of loans secured by nonfarm nonresidential properties (in domestic offices) with original amounts of $100,000 or less | RCON5565 | $579K |
| Amount currently outstanding of loans secured by farmland (including farm residential and other improvements) (in domestic offices) with original amounts of more than $250,000 through $500,000 | RCON5583 | $518K |
| Number of commercial and industrial loans to U.S. addressees (in domestic offices) with original amounts of $100,000 or less | RCON5570 | 137 |
| Number of loans to finance agricultural production and other loans to farmers (in domestic offices) with original amounts of $100,000 or less | RCON5584 | 32 |
| Number of loans secured by nonfarm nonresidential properties (in domestic offices) with original amounts of more than $100,000 through $250,000 | RCON5566 | 23 |
| Number of commercial and industrial loans to U.S. addressees (in domestic offices) with original amounts of more than $100,000 through $250,000 | RCON5572 | 21 |
| Number of loans secured by nonfarm nonresidential properties (in domestic offices) with original amounts of $100,000 or less | RCON5564 | 20 |
| Number of loans secured by farmland (including farm residential and other improvements) (in domestic offices) with original amounts of $100,000 or less | RCON5578 | 17 |
| Number of loans secured by farmland (including farm residential and other improvements) (in domestic offices) with original amounts of more than $100,000 through $250,000 | RCON5580 | 11 |
| Number of commercial and industrial loans to U.S. addressees (in domestic offices) with original amounts of more than $250,000 through $1,000,000 | RCON5574 | 9 |
| Number of loans secured by nonfarm nonresidential properties (in domestic offices) with original amounts of more than $250,000 through $1,000,000 | RCON5568 | 6 |
| Number of loans secured by farmland (including farm residential and other improvements) (in domestic offices) with original amounts of more than $250,000 through $500,000 | RCON5582 | 2 |
Schedule RC-E: Deposit Liabilities (26 items)
About Schedule RC-E · Oklahoma Heritage Bank deposit liabilities trends
| Line item | Code | Q1 2026 |
|---|---|---|
| Total nontransaction accounts (including mmda's) | RCON2385 | $56.0M |
| Total nontransaction accounts deposits of individuals, partnerships, and corporations | RCONB550 | $48.2M |
| Total demand deposits (see note below) | RCON2210 | $27.1M |
| Total transaction accounts | RCON2215 | $27.1M |
| Total transaction accounts - deposits of individuals, partnerships, and corporation | RCONB549 | $22.9M |
| Money market deposit accounts (mmda's) | RCON6810 | $21.8M |
| Time deposits of 250000 or less with a remaining maturity of one year or less | RCONHK11 | $19.0M |
| Maturity and repricing data for time depoits of 250000 or less, time deposits of 250000 or less with a remaining maturity or next repricing date of over three months through 12 months | RCONHK08 | $15.2M |
| Components of total nontransaction accounts, total time deposits of $100,000 through $250,000 | RCONJ473 | $14.6M |
| Total nontransaction accounts of states and political subdivisions in the U.S. | RCON2530 | $7.8M |
| Components of total nontransaction accounts, total time deposits of more than $250,000 | RCONJ474 | $6.9M |
| Other nontransaction savings deposits (excludes mmda's) | RCON0352 | $6.6M |
| Total time deposits of less than $100,000 | RCON6648 | $6.2M |
| Total reciprocal deposits | RCONJH83 | $5.8M |
| Maturity and repricing data for time depoits of 250000 or less, time deposits of 250000 or less with a remaining maturity or next repricing date of three months or less | RCONHK07 | $4.2M |
| Time deposits of more than $250,000 with a remaining maturity of one or year less | RCONK222 | $3.8M |
| Total transaction accounts - deposits of states and political subdivisions in the U.S. | RCON2203 | $3.6M |
| Maturity and repricing data for time depoits of more than 250000, time deposits of more than 250000 with a remaining maturity or next repricing date of over one year through three years | RCONHK14 | $3.1M |
| Maturity and repricing data for time depoits of more than 250000, time deposits of more than 250000 with a remaining maturity or next repricing date of over three months through 12 months | RCONHK13 | $3.0M |
| Sweep deposits, Fully insured, non-affiliate sweep deposits | RCONMT91 | $2.8M |
| Total sweep deposits that are not brokered deposits | RCONMT95 | $2.8M |
| Maturity and repricing data for time depoits of 250000 or less, time deposits of 250000 or less with a remaining maturity or next repricing date of over one year through three years | RCONHK09 | $1.3M |
| Maturity and repricing data for time depoits of more than 250000, time deposits of more than 250000 with a remaining maturity or next repricing date of three months or less | RCONHK12 | $807K |
| Total transaction accounts - deposits of commercial banks and other depository institutions in the U.S. | RCONB551 | $654K |
| Total nontransaction accounts of commercial banks and other depository institutions in the U.S. | RCONB552 | $62K |
| Maturity and repricing data for time depoits of 250000 or less, time deposits of 250000 or less with a remaining maturity or next repricing date of over three years | RCONHK10 | $19K |
Schedule RC-F: Other Assets (4 items)
| Line item | Code | Q1 2026 |
|---|---|---|
| Historical cost of all other available-for-sale equity securities | RCON1752 | $574K |
| Accrued interest receivable | RCONB556 | $541K |
| Other assets | RCON2168 | $459K |
| First itemized amount that exceeds 25% of all other assets (2168) | RCON3549 | $284K |
Schedule RC-G: Other Liabilities (5 items)
| Line item | Code | Q1 2026 |
|---|---|---|
| Other expenses accrued and unpaid | RCON3646 | $2.2M |
| Net deferred tax liabilities | RCON3049 | $787K |
| Interest accrued and unpaid on deposits (in domestic offices) | RCON3645 | $161K |
| All other liabilities | RCON2938 | $8K |
| Allowance for credit losses on off-balance sheet credit exposures | RCONB557 | $4K |
Schedule RC-K: Quarterly Averages (14 items)
About Schedule RC-K · Oklahoma Heritage Bank quarterly averages trends
| Line item | Code | Q1 2026 |
|---|---|---|
| Quarterly average of total assets | RCON3368 | $99.5M |
| Quarterly average of total loans | RCON3360 | $63.8M |
| Nontransaction accounts in domestic offices, savings deposits | RCONB563 | $30.5M |
| Quarterly average of commercial and industrial loans | RCON3387 | $26.7M |
| Liabilities, nontransaction accounts, time deposits of 250000 or less | RCONHK16 | $20.4M |
| Quarterly average of loans secured by 1-4 family residential properties | RCON3465 | $19.2M |
| Quarterly average of all other loans secured by real estate | RCON3466 | $15.2M |
| Quarterly average of interest-bearing balances due from depository institutions | RCON3381 | $10.2M |
| Liabilities, nontransaction accounts, time deposits of more than 250000 | RCONHK17 | $7.3M |
| All other securities | RCONB560 | $7.1M |
| Transaction accounts (in domestic offices) (NOW accounts, ats accounts, and telephone and preauthorized transfer accounts) - quarterly average | RCON3485 | $7.0M |
| Quarterly average of federal funds sold and securities purchased under agreements to resell | RCON3365 | $3.9M |
| Loans to individuals for household, family, and other personal expenditures, other | RCONB562 | $1.8M |
| Mortgage-backed securities | RCONB559 | $1.2M |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (4 items)
About Schedule RC-L · Oklahoma Heritage Bank derivatives and off-balance-sheet items trends
| Line item | Code | Q1 2026 |
|---|---|---|
| Other unused commitments, commercial and industrial loans | RCONJ457 | $930K |
| 1-4 family residential construction loan commitments | RCONF164 | $235K |
| Other unused commitments, all other unused commitments | RCONJ459 | $222K |
| Commercial real estate, other construction loan and land development loan commitments | RCONF165 | $5K |
Schedule RC-M: Memoranda (1 item)
About Schedule RC-M · Oklahoma Heritage Bank memoranda trends
| Line item | Code | Q1 2026 |
|---|---|---|
| All other intangible assets | RCONJF76 | $3.3M |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (7 items)
About Schedule RC-N · Oklahoma Heritage Bank past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q1 2026 |
|---|---|---|
| Total loans and lease financing receivables, past due 30-89 days and still accruing | RCON1406 | $347K |
| Closed-end loans secured by 1-4 family residential properties, secured by first liens-past due 30 thru 89 days and still accruing | RCONC236 | $263K |
| Total loans and lease finance receivables, nonaccrual | RCON1403 | $171K |
| Commercial and industrial loans - nonaccrual | RCON1608 | $99K |
| Commercial and industrial loans - past due 30-89 days and still accruing | RCON1606 | $84K |
| Closed-end loans secured by 1-4 family residential properties, secured by first liens-nonaccural | RCONC229 | $56K |
| Loans secured by other nonfarm nonresidential properties, nonaccrual | RCONF183 | $16K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (8 items)
About Schedule RC-O · Oklahoma Heritage Bank other data for deposit insurance assessments trends
| Line item | Code | Q1 2026 |
|---|---|---|
| Average consolidated total assets for the calendar quarter | RCONK652 | $99.6M |
| Total deposit liabilities as defined in section 3(1) of the federal deposit insurance act before exclusions | RCONF236 | $83.3M |
| Amount of deposit accounts (excluding retirement accounts) of $250,000 or less | RCONF049 | $51.7M |
| Amount of deposit accounts (excluding retirement accounts) of more than $250,000 | RCONF051 | $31.6M |
| Average tangible equity for the calendar quarter | RCONK654 | $7.9M |
| Number of deposit accounts (excluding retirement accounts)of $250,000 or less | RCONF050 | 3,324 |
| Number of deposit accounts (excluding retirement accounts) of more than $250,000 | RCONF052 | 43 |
| Averaging method used | RCONK653 | 1 |
Schedule RC-R: Regulatory Capital (2 items)
About Schedule RC-R · Oklahoma Heritage Bank regulatory capital trends
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (23 items)
About Schedule RC-R, Part I · Oklahoma Heritage Bank regulatory capital components and ratios trends
| Line item | Code | Q1 2026 |
|---|---|---|
| Average total consolidated assets | RCOAKW03 | $99.5M |
| Average total assets (net of deductions) | RCOAA224 | $97.0M |
| Risk-weighted assets (net of allowances and other deductions) | RCOAA223 | $69.8M |
| Common equity tier 1 capital, common stock plus related surplus, net of treasury stock and unearned employee stock ownership plan (ESOP) shares | RCOAP742 | $11.2M |
| Common equity tier 1 capital before adjustments and deductions | RCOAP840 | $10.7M |
| Total qualifying capital allowable under the risk-based capital guidelines | RCOA3792 | $8.8M |
| Common equity tier 1 capital | RCOAP859 | $8.0M |
| Subtotal of common equity tier 1 capital, adjustments and deductions | RCOAP852 | $8.0M |
| Tier 1 capital allowable under the risk-based capital guidelines | RCOA8274 | $8.0M |
| Intangible assets (other than goodwill and mortgage servicing assets (msas)), net of associated dtls | RCOAP842 | $2.5M |
| Less, deductions from common equity tier 1 capital and additional tier 1 capital (sum of items 6, 7, 8, 10.B, 11, 13 through 17 and certain elements of item 24 - see instructions) | RCOAP875 | $2.5M |
| General loan and lease valuation allowances | RCOA5310 | $792K |
| Tier 2 (supplementary) capital | RCOA5311 | $792K |
| Tier 2 capital before deductions | RCOAP870 | $792K |
| Retained Earnings | RCOAKW00 | -$699K |
| Accumulated other comprehensive income | RCOAB530 | $219K |
| Less, net unrealized gains (losses) on available-for-sale debt securities (if a gain, report as a positive value, if a loss, report as a negative value) | RCOAP844 | $219K |
| A. AOCI opt-out election (enter '1' for yes, enter '0' for no.) | RCOAP838 | 1 |
| Total risk-based capital ratio | RCOA7205 | 0.1255 |
| Common equity tier 1 capital ratio | RCOAP793 | 0.1141 |
| Tier 1 risk-based capital ratio | RCOA7206 | 0.1141 |
| Tier 1 leverage capital ratio | RCOA7204 | 0.0821 |
| Institution-specific capital buffer necessary to avoid limitations on distributions and discretionary bonus payments, capital conservation buffer | RCOAH311 | 0.0455 |
Schedule RC-R, Part II: Risk-Weighted Assets (42 items)
About Schedule RC-R, Part II · Oklahoma Heritage Bank risk-weighted assets trends
| Line item | Code | Q1 2026 |
|---|---|---|
| Risk-weighted assets for purposes of calculating the allowance for loan and lease losses 1.25 percent threshold | RCONS580 | $69.8M |
| Total risk-weighted assets | RCONG641 | $69.8M |
| Risk-weighted assets by risk-weighted category - 100 pct risk weight category | RCONG637 | $56.8M |
| Total assets, derivatives, off-balance sheet items and other items subjet to risk weighting by risk-weighted category - 100 pct risk weight category | RCONG633 | $56.8M |
| Total balance sheet assets - 100 pct risk weight category | RCOND990 | $56.3M |
| Loans and leases, net of unearned income, all other exposures - 100 pct risk weight category | RCONS462 | $44.5M |
| Total loans and leases, net of unearned income, all other exposures | RCONS457 | $44.5M |
| Total assets, derivatives, off-balance sheet items and other items subjet to risk weighting by risk-weighted category - 50 pct risk weight category | RCONG632 | $23.5M |
| Total balance sheet assets - 50 pct risk weight category | RCOND989 | $23.5M |
| Total loans and leases, net of unearned income, residential mortgage exposures | RCONS439 | $18.3M |
| Loans and leases, net of unearned income, residential mortgage exposures - 50 pct risk weight category | RCONS442 | $18.2M |
| Total cash and balances due from depository institutions | RCOND957 | $12.7M |
| Total all other assets | RCOND981 | $12.0M |
| Risk-weighted assets by risk-weighted category - 50 pct risk weight category | RCONG636 | $11.7M |
| Total assets, derivatives, off-balance sheet items and other items subjet to risk weighting by risk-weighted category - 0 pct risk weight category | RCONG630 | $11.5M |
| Total balance sheet assets - 0 pct risk weight category | RCOND987 | $11.5M |
| All other assets - 100 pct risk weight category | RCOND985 | $11.4M |
| Cash and balances due from depository institutions - 0 pct risk weight category | RCOND958 | $10.8M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $8.1M |
| Total assets, derivatives, off-balance sheet items and other items subjet to risk weighting by risk-weighted category - 20 pct risk weight category | RCONG631 | $6.7M |
| Total balance sheet assets - 20 pct risk weight category | RCOND988 | $6.7M |
| Available-for-sale securities - 50 pct risk weight category | RCOND969 | $5.3M |
| Available-for-sale securities - 20 pct risk weight category | RCOND968 | $2.6M |
| Federal funds sold in domestic offices | RCOND971 | $1.9M |
| Federal funds sold in domestic offices - 20 pct risk weight category | RCOND973 | $1.9M |
| Cash and balances due from depository institutions - 20 pct risk weight category | RCOND959 | $1.9M |
| Risk-weighted assets by risk-weighted category - 20 pct risk weight category | RCONG635 | $1.3M |
| Total balance sheet assets - adjustments to total reported in column a | RCONS500 | -$931K |
| Unused commitments, original maturity of one year or less, excludes unused commitments to asset backed commercial paper conduits, face, notional or other amount | RCONS525 | $714K |
| Unused commitments, original maturity exceeding one year - face, notional, or other amount | RCONG624 | $678K |
| Available-for-sale securities - 0 pct risk weight category | RCOND967 | $359K |
| Unused commitments, original maturity exceeding one year - 100 pct risk weight category | RCONG629 | $339K |
| Unused commitments, original maturity exceeding one year - credit equivalent amount | RCONG625 | $339K |
| All other assets - 0 pct risk weight category | RCOND982 | $322K |
| All other assets - 20 pct risk weight category | RCOND983 | $266K |
| Loans and leases, net of unearned income, exposures past due 90 days or more or on nonaccrual - 100 pct risk weight category | RCONS454 | $171K |
| Total loans and leases, net of unearned income, exposures past due 90 days or more or on nonaccrual | RCONS449 | $171K |
| Loans and leases, net of unearned income, residential mortgage exposures - 100 pct risk weight category | RCONS443 | $161K |
| Unused commitments, original maturity of one year or less, excludes unused commitments to asset backed commercial paper conduits, 100% | RCONS530 | $143K |
| Unused commitments, original maturity of one year or less, excludes unused commitments to asset backed commercial paper conduits, credit equivalent amount | RCONS526 | $143K |
| Available-for-sale securities - adjustment to totals reported in column a | RCONS402 | -$139K |
| All other assets - 50 pct risk weight category | RCOND984 | $37K |
Schedule RI-A: Changes in Bank Equity Capital (4 items)
| Line item | Code | Q1 2026 |
|---|---|---|
| Total equity capital | RIAD3210 | $10.7M |
| Balance end of previous calendar year as restated | RIADB508 | $10.7M |
| Equity capital, most recently reported for the end of previous calendar year (i.e., after adjustments from amended reports of income) | RIAD3217 | $10.7M |
| Other comprehensive income | RIADB511 | $14K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (4 items)
About Schedule RI-B, Part I · Oklahoma Heritage Bank charge-offs and recoveries on loans and leases trends
| Line item | Code | Q1 2026 |
|---|---|---|
| Charge-offs all other (includes single payment, installment, all student loans, and revolving credit plans other than credit cards) | RIADK205 | $11K |
| Charge-offs on allowance for loan and lease losses | RIAD4635 | $11K |
| Recoveries all other (includes single payment, installment, all student loans, and revolving credit plans other than credit cards) | RIADK206 | $2K |
| Recoveries on allowance for loan and lease losses | RIAD4605 | $2K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (4 items)
About Schedule RI-B, Part II · Oklahoma Heritage Bank changes in allowances for credit losses trends
| Line item | Code | Q1 2026 |
|---|---|---|
| Balance most recently reported for the december 31, 2000, reports of condition and income(i.e., after adjustments from amended report of income) | RIADB522 | $825K |
| Allowance for loan and lease losses | RIAD3123 | $791K |
| Charge-offs on allowance for loan and lease losses | RIADC079 | $11K |
| Allocated transfer risk reserve | RIADC435 | $4K |
Schedule RI-E: Explanations (2 items)
Oklahoma Heritage Bank call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
Oklahoma Heritage Bank financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 22855) · FFIEC NIC profile (RSSD 709956)