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Local Bank
Hulbert, OK · FDIC Certificate #2327 · Chartered 12/0
Total assets
$463.08M
Total deposits
$382.63M
Total equity
$47.02M
Net loans
$348.12M
Branches (offices)
6
Net income (YTD)
$755.00K
Rank: #1,871 of 4,213 U.S. banks by assets · #58 of 168 in Oklahoma. Assets changed 9.9% and deposits 15.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.34% |
| Return on equity | 3.21% |
| Net interest margin (YTD) | 3.92% |
| Equity to assets | 10.15% |
| Tier 1 leverage ratio | 11.35% |
| Uninsured deposits (share of deposits) | 14.4% |
| Noncurrent loans (share of loans) | 0.52% |
| Net charge-offs (share of loans) | 0.05% |
| Loans to deposits | 91.0% |
| Real estate loans (share of loans) | 68.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $239.41M | 68.8% | |
| Commercial & industrial | $42.12M | 12.1% | |
| Consumer / individual | $29.12M | 8.4% | |
| Construction & development | $32.41M | 9.3% | |
| Agricultural | $13.99M | 4.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $264.90M | $226.73M | $629.00K | $37.64M |
| Jun 2023 | $319.19M | $273.57M | $1.09M | $45.05M |
| Jun 2024 | $373.05M | $292.79M | $677.00K | $45.59M |
| Jun 2025 | $421.24M | $330.96M | $1.05M | $46.88M |
| Jun 2026 | $463.08M | $382.63M | $755.00K | $47.02M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Oklahoma | $382.63M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $382.63M.
Similar-sized banks
The Commercial Bank ($463.73M) · Alden State Bank ($463.06M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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