Oklahoma State Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Loan-to-deposit ratio climbed 1.64 percentage points in Q2 2026, from 77.86% to 79.50%. It was the largest change from Q1 2026 among the key lines here. Among 169 Oklahoma banks, Oklahoma State Bank sits 4th from the top on return on assets, 2.86% as of Q2 2026. Oklahoma State Bank's return on assets of 2.86% is well above the 1.00% median for banks in the < $100M asset tier, a gap of 1.86 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.51% |
| Tier 1 risk-based capital ratio | 14.51% |
| Total risk-based capital ratio | 15.28% |
| Tier 1 leverage ratio | 10.36% |
| Equity capital to assets | 10.53% |
| Tangible equity to tangible assets | 10.53% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.09% |
| Non-performing assets ratio | 0.07% |
| Net charge-off ratio | 0.03% |
| Texas ratio | 9.38% |
| Allowance for credit losses to loans | 0.79% |
| Reserve coverage of non-performing loans | 854.55% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.86% |
| Return on equity | 28.20% |
| Net interest margin | 5.82% |
| Efficiency ratio | 52.47% |
| Yield on earning assets | 7.10% |
| Cost of funds | 1.38% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 79.50% |
| Core deposits to total deposits | 92.04% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.26% |
| Securities to assets | 18.17% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 18.15% | 18.15% | 19.12% | 11.59% | 4.11% |
| Q4 2023 | 15.12% | 15.12% | 16.02% | 10.56% | 2.63% |
| Q1 2024 | 14.57% | 14.57% | 15.41% | 10.70% | 3.10% |
| Q2 2024 | 15.68% | 15.68% | 16.56% | 11.05% | 3.20% |
| Q3 2024 | 16.56% | 16.56% | 17.44% | 11.65% | 3.62% |
| Q4 2024 | 13.56% | 13.56% | 14.37% | 10.64% | 3.24% |
| Q1 2025 | 14.35% | 14.35% | 15.19% | 10.67% | 3.01% |
| Q2 2025 | 16.61% | 16.61% | 17.57% | 10.46% | 3.22% |
| Q3 2025 | 16.04% | 16.04% | 16.93% | 11.02% | 2.97% |
| Q4 2025 | 12.87% | 12.87% | 13.66% | 10.13% | 3.01% |
| Q1 2026 | 14.07% | 14.07% | 14.86% | 10.17% | 2.82% |
| Q2 2026 | 14.51% | 14.51% | 15.28% | 10.36% | 2.86% |
Oklahoma State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Oklahoma State Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Oklahoma State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13416) · FFIEC NIC profile (RSSD 324256)