Oklahoma State Bank
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Data as of · sourced from FFIEC call reports. How we update
Oklahoma State Bank is an FDIC-insured commercial bank headquartered in Buffalo, OK, established in 1930 (FDIC certificate 13416), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $66.7M, up 1.2% from Q2 2025, the 146th largest of 169 banks headquartered in Oklahoma. Its CET1 capital ratio was 14.51% 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
- 13416
- Headquarters
- Buffalo, OK
- Established
- 1930
- Total assets, Q2 2026
- $66.7M
- Assets vs Q2 2025
- +1.2%
- CET1 ratio, Q2 2026
- 14.51%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 103112439
- Latest call report
- Q2 2026, FFIEC 051 · Oklahoma State Bank call report
- Holding company
- BUFFALO BANCSHARES, INC.
- Asset rank in state
- 146th of 169 in Oklahoma
Problem loans are rising at Oklahoma State Bank. The Buffalo, Oklahoma bank had $67 million in assets at June 30, 2026, up 1.2% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.47% of loans from 0.10% a year earlier. It earns about $2.86 a year on every $100 of assets, about triple the median of $1.06 for the 583 banks with less than $100 million in assets. It also keeps 5.82 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 banks its size (median 3.87 cents).
Loans are outrunning deposits: over the year loans rose 13.1% and deposits rose 1.3%. Its $6.9 million commercial and industrial book is improving, with 15.84% past due or on nonaccrual, down from 22.14% a year earlier. Where it has less room is capital: it holds common equity equal to 14.51% of its risk-weighted assets, lower than about three-quarters of banks its size (median 22.08%).
As of June 30, 2026, Oklahoma State Bank reported a CET1 capital ratio of 14.51%, a return on assets of 2.86%, a nonperforming-loan ratio of 1.47% and a Texas ratio of 9.38%. The figures come from its call report filed with the FFIEC.
Oklahoma State Bank ranks as the 146th largest of the 169 banks based in Oklahoma, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 1.0% to $66.7M, loans rose 0.4% and deposits fell 1.6%. Its loan book on June 30, 2026 was led by agricultural production loans, at 46.7% of total loans, followed by commercial and industrial loans at 14.5%. Its 2 offices in the FDIC Summary of Deposits are in Buffalo, OK and Gage, OK; its Buffalo office books 65% of its branch deposits. On its Q2 2026 call report, Oklahoma State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 122 South Hoy St, Buffalo, OK 73834
- County
- Harper
- 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 051
- Established
- February 10, 1930
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 15
- Domestic deposits
- $59.5M
- Allowance for credit losses
- $376K
- Net charge-offs (YTD)
- $24K
- Average total assets
- $67.7M
- Average total loans
- $47.0M
- Average interest-bearing deposits
- $39.2M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 2, 1934
- FDIC Cert
- 13416
- Fed RSSD
- 324256
- Website
- www.osbbuffalo.com →
- Parent Holding Company
- BUFFALO BANCSHARES, INC. (RSSD 1065864)
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
Oklahoma State Bank's total assets moved between a low of $57.6M (Q3 2023) and a high of $67.4M (Q1 2026) 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
$66.7M total assets against $65.9M; $59.7M total liabilities against $59.0M.
$46.9M net loans and leases against $41.4M; $59.5M total deposits against $58.8M.
$12.1M securities against $9.5M; $5.9M cash and balances due against $13.8M.
$1.1M total interest income against $1.2M; $208K total interest expense against $233K.
$941K net interest income against $945K.
$83K total noninterest income against $89K; $539K total noninterest expense against $499K.
$0 provision for credit losses against $3K.
$485K net income against $532K.
2.86% return on assets against 3.22%; 5.82% net interest margin against 6.01%.
14.51% CET1 capital ratio against 16.61%; 10.36% tier 1 leverage ratio against 10.46%.
Inside the full Oklahoma State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 2.82% (Q1 2026) to 3.62% (Q3 2024) and its net interest margin ran from 5.80% (Q1 2026) to 6.47% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.51% | 2.86% | 1.47% | 9.38% | 5.82% |
| Q1 2026 | 14.07% | 2.82% | 0.07% | 0.48% | 5.80% |
| Q4 2025 | 12.87% | 3.01% | 0.08% | 0.58% | 6.18% |
| Q3 2025 | 16.04% | 2.97% | 0.14% | 0.84% | 6.00% |
| Q2 2025 | 16.61% | 3.22% | 0.10% | 0.55% | 6.01% |
| Q1 2025 | 14.35% | 3.01% | 0.23% | 1.54% | 6.34% |
| Q4 2024 | 13.56% | 3.24% | 0.53% | 3.68% | 6.43% |
| Q3 2024 | 16.56% | 3.62% | 0.28% | 1.58% | 6.47% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 State Bank (main office) | Buffalo , OK | 73834 | $38.6M |
| Gage Branch | Gage , OK | 73843 | $20.9M |
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 |
|---|---|---|---|
| May 21, 1988 | Structure Change | Acquired The First State Bank of Gage Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 20, 1988 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
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 162 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $174K approved, $174K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2008 (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 State Bank
What are Oklahoma State Bank's total assets?
As of the Q2 2026 filing, Oklahoma State Bank reported total assets of $66.7 million in its FFIEC call report.
Where is Oklahoma State Bank headquartered?
It is headquartered in Buffalo, OK, United States.
When was Oklahoma State Bank founded?
It was established in 1930, per the FDIC institution directory.
Is Oklahoma State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #13416). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Oklahoma State Bank?
Oklahoma State Bank's primary federal regulator is the FDIC.
What is Oklahoma State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.51% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Oklahoma State Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Oklahoma State Bank's Texas Ratio?
Its Texas Ratio is 9.38% 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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