Total Assets
$63M
Total balance-sheet footings
FDIC Cert #9875 · Cordell, Oklahoma · Est. 1902
BANK360 - FDIC Bank Health Profile
A community-scale look at BANK360's own numbers, pulled straight from its quarterly FDIC Call Report.
- $63M
- Total assets
- B
- Health grade · Good
- 1.52%
- Return on assets
- 15.3%
- Tier 1 capital
Data updated July 2026
The verdict
BANK360 earns a PlainBankData health grade of B (77/100), with well-capitalized at 15.31% Tier 1, profitable at 1.52% ROA, 68% efficiency ratio.
- #4,028
- largest of 4,313 FDIC banks by assets
- 7th
- percentile by asset size, nationally
- 15.31%
- Tier 1 ratio - above the 10% well-capitalized line
- 75th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How BANK360's 77/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
BANK360's composite health score
Tier 1 Capital Ratio (15.31%) 40/40
Return on Assets (ROA) (1.52%) 25/25
Texas Ratio (34.26%) 4/20
Efficiency Ratio (68.01%) 8/15
77 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$55M
Customer-funded liabilities
Net Loans
$51M
Outstanding loan book
Net Income
$957K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where BANK360 ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. BANK360's score of 77/100 falls in the highlighted band.
BANK360's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). BANK360's $63M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
15.31% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
15.31%
Texas Ratio
34.26%
Equity Capital
$6M
Profitability metrics
Return on Assets (ROA)
75th percentile nationally
1.52%
Return on Equity (ROE)
17.42%
Efficiency Ratio
68.01%
What the numbers say about BANK360
BANK360 is an FDIC-insured institution (Certificate #9875) headquartered in Cordell, Oklahoma, established in 1902. It holds $63M in total assets - 4,028th of 4,313 FDIC-insured banks, $55M in customer deposits, and $51M in net loans. Looking at capital strength, Tier 1 stands at 15.31%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 34.26%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of B (77/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
By assets, BANK360 ranks 149th of 172 banks based in Oklahoma -- squarely in the community-bank tier. Size alone doesn't determine a bank's local importance; a bank this size often has deeper, longer-standing relationships with the specific businesses and depositors it serves than a much larger institution would.
Income & expense breakdown
$5M
Interest Income
$171K
Non-Interest Income
$2M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. BANK360 reports a Texas Ratio of 34.26% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
34.26% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Oklahoma by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) BANK360 (FDIC Cert #9875) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Oklahoma
All Oklahoma banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| BOKF, National AssociationTulsa | $52.0B | A | 1.10% |
| MidFirst BankOklahoma City | $41.4B | B | 1.19% |
| First United Bank and Trust CompanyDurant | $16.3B | B | 0.97% |
| BancFirstOklahoma City | $12.1B | A | 1.79% |
| InterBankOklahoma City | $5.5B | B | 3.60% |
| Stride Bank, National AssociationEnid | $4.9B | A | 2.10% |
| RCB BankClaremore | $4.1B | A | 1.32% |
| First Fidelity BankOklahoma City | $2.9B | B | 0.94% |
Frequently asked questions
What is BANK360's health grade?▼
BANK360 receives a health grade of B (77/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is BANK360?▼
BANK360 holds $63M in total assets and $55M in deposits, ranking 4,028th of 4,313 FDIC-insured banks by asset size. It is headquartered in Cordell, Oklahoma.
Is my money safe at BANK360?▼
Yes, deposits at BANK360 (Certificate #9875) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is BANK360's Tier 1 Capital Ratio?▼
BANK360 has a Tier 1 Capital Ratio of 15.31%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for BANK360?▼
BANK360 has a Texas Ratio of 34.26%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is BANK360?▼
BANK360 has an Efficiency Ratio of 68.01%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read BANK360's profile as a depositor or analyst.
- BANK360's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare BANK360 against other Oklahoma banks before moving funds. Oklahoma banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.