The Seiling State Bank
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Data as of · sourced from FFIEC call reports. How we update
The Seiling State Bank is an FDIC-insured commercial bank headquartered in Seiling, OK, established in 1901 (FDIC certificate 4193), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $195.0M, up 2.8% from Q2 2025, the 100th largest of 169 banks headquartered in Oklahoma. Its CET1 capital ratio was 13.74% 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
- 4193
- Headquarters
- Seiling, OK
- Established
- 1901
- Total assets, Q2 2026
- $195.0M
- Assets vs Q2 2025
- +2.8%
- CET1 ratio, Q2 2026
- 13.74%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 103106283
- Holding company
- SEILING BANCSHARES, INC.
- Asset rank in state
- 100th of 169 in Oklahoma
The Seiling State Bank, based in Seiling, Oklahoma, reported $195 million in assets at June 30, 2026, up 2.8% from a year earlier. It carries problem assets equal to 0.0% of the capital and reserves that would absorb them, a small fraction of the median of 2.6% for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it pays an average of 2.40% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
Loans are outrunning deposits: over the year loans rose 12.4% and deposits rose 0.5%. Paper losses on its bond portfolio are shrinking: unrealized losses of $2.0 million equal 9% of Tier 1 capital, down from 18% a year earlier. Costs are the weak spot: it spends about 71 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
As of June 30, 2026, The Seiling State Bank reported a CET1 capital ratio of 13.74%, a return on assets of 1.00%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.03%. The figures come from its call report filed with the FFIEC.
The Seiling State Bank ranks as the 100th largest of the 169 banks based in Oklahoma, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 2.8% to $195.0M, loans rose 0.5% and deposits fell 3.5%. Its loan book on June 30, 2026 was led by commercial and industrial loans, at 26.5% of total loans, followed by agricultural production loans at 19.1%. Its 2 offices in the FDIC Summary of Deposits are in Seiling, OK and Woodward, OK; its Seiling office books 90% of its branch deposits. Judged on its Q2 2026 call report, The Seiling State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 301 N Main St, Seiling, OK 73663
- County
- Dewey
- 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
- January 1, 1901
- Former names
- The Seiling State Bank (2014)
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 26
- Domestic deposits
- $175.2M
- Allowance for credit losses
- $2.2M
- Net charge-offs (YTD)
- -$419K
- Average total assets
- $201.4M
- Average total loans
- $137.7M
- Average interest-bearing deposits
- $159.7M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4193
- Fed RSSD
- 313157
- SEC CIK
- 1865378 → filed by SEILING BANCSHARES, INC.
- Website
- www.seilingsb.com →
- Parent Holding Company
- SEILING BANCSHARES, INC. (RSSD 5312539)
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
From Q3 2023 to Q2 2026, The Seiling State Bank's total assets ranged from $171.6M (Q3 2023) to $211.1M (Q3 2025), and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$195.0M total assets against $189.8M; $175.9M total liabilities against $174.9M.
$137.2M net loans and leases against $122.5M; $175.2M total deposits against $174.2M.
$31.9M securities against $46.9M; $15.2M cash and balances due against $9.1M.
$2.9M total interest income against $2.8M; $1.1M total interest expense against $1.1M.
$1.8M net interest income against $1.7M.
$143K total noninterest income against $100K; $1.4M total noninterest expense against $1.3M.
$60K provision for credit losses against $45K.
$502K net income against $465K.
1.00% return on assets against 0.98%; 4.01% net interest margin against 3.88%.
13.74% CET1 capital ratio against 12.97%; 10.54% tier 1 leverage ratio against 9.62%.
Inside the full The Seiling State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Seiling State Bank rankings
Its closest position to the top of a national ranking is 1,186 of 2,134, for CET1 ratio; its furthest is 3,312 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -7.59% (Q4 2025) to 2.11% (Q1 2026) and its net interest margin ran from 2.94% (Q4 2025) to 4.03% (Q1 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.74% | 1.00% | 0.00% | 0.03% | 4.01% |
| Q1 2026 | 13.36% | 2.11% | 0.17% | 1.97% | 4.03% |
| Q4 2025 | 12.48% | -7.59% | 0.44% | 4.12% | 2.94% |
| Q3 2025 | 11.81% | 1.11% | 0.15% | 1.11% | 3.88% |
| Q2 2025 | 12.97% | 0.98% | 0.17% | 1.25% | 3.88% |
| Q1 2025 | 12.97% | 1.09% | 0.45% | 3.55% | 3.74% |
| Q4 2024 | 12.16% | 0.46% | 0.56% | 4.68% | 3.46% |
| Q3 2024 | 13.55% | 0.84% | 0.26% | 1.79% | 3.36% |
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 |
|---|---|---|---|
| The Seiling State Bank | Seiling , OK | 73663 | $157.8M |
| Woodward Branch | Woodward , OK | 73801 | $17.4M |
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 |
|---|---|---|---|
| February 12, 1987 | Structure Change | Acquired Community Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| February 11, 1987 | 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 111 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $325K approved, $162K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2021 (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 The Seiling State Bank
What are The Seiling State Bank's total assets?
As of the Q2 2026 filing, The Seiling State Bank reported total assets of $195.0 million in its FFIEC call report.
Where is The Seiling State Bank headquartered?
It is headquartered in Seiling, OK, United States.
When was The Seiling State Bank founded?
It was established in 1901, per the FDIC institution directory.
Is The Seiling State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #4193). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Seiling State Bank?
The Seiling State Bank's primary federal regulator is the FDIC.
What is The Seiling State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.74% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Seiling 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 The Seiling State Bank's Texas Ratio?
Its Texas Ratio is 0.03% 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 The Seiling State Bank previously called?
The charter now named The Seiling State Bank has also operated as The Seiling State Bank (2014), per FDIC structure-change records.
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