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Oklahoma Bank And Trust Company
Clinton, OK · FDIC Certificate #4067 · Chartered 03/0
Total assets
$202.26M
Total deposits
$173.90M
Total equity
$26.24M
Net loans
$67.75M
Branches (offices)
4
Net income (YTD)
$1.45M
Rank: #2,957 of 4,213 U.S. banks by assets · #98 of 168 in Oklahoma. Assets changed 4.6% and deposits 4.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.42% |
| Return on equity | 11.05% |
| Net interest margin (YTD) | 2.76% |
| Equity to assets | 12.97% |
| Tier 1 leverage ratio | 14.05% |
| Uninsured deposits (share of deposits) | 47.5% |
| Noncurrent loans (share of loans) | 0.61% |
| Net charge-offs (share of loans) | -0.13% |
| Loans to deposits | 39.0% |
| Real estate loans (share of loans) | 69.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $46.94M | 69.3% | |
| Commercial & industrial | $6.63M | 9.8% | |
| Consumer / individual | $1.55M | 2.3% | |
| Construction & development | $4.07M | 6.0% | |
| Agricultural | $14.15M | 20.9% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $193.23M | $169.23M | $1.04M | $21.12M |
| Jun 2023 | $192.31M | $168.78M | $870.00K | $20.96M |
| Jun 2024 | $187.94M | $162.65M | $1.13M | $22.80M |
| Jun 2025 | $193.31M | $166.00M | $1.23M | $25.09M |
| Jun 2026 | $202.26M | $173.90M | $1.45M | $26.24M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Oklahoma | $173.90M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $173.90M.
Similar-sized banks
Lone Star Bank ($202.28M) · Bank 21 ($202.08M)
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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