FDIC Cert #4217 · Verden, Oklahoma · Est. 1907

COMMUNITY BANK OF OKLAHOMA - FDIC Bank Health Profile

A community-scale look at COMMUNITY BANK OF OKLAHOMA's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$61M
Total assets
B
Health grade · Good
1.26%
Return on assets
13.1%
Tier 1 capital

Data updated July 2026

The verdict

COMMUNITY BANK OF OKLAHOMA earns a PlainBankData health grade of B (73/100), with well-capitalized at 13.12% Tier 1, profitable at 1.26% ROA, 69% efficiency ratio.

#4,050
largest of 4,313 FDIC banks by assets
6th
percentile by asset size, nationally
13.12%
Tier 1 ratio - above the 10% well-capitalized line
62nd
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.

FDIC Call Report plate

Cert 4217 · OK B · 73/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-HEALTHY · ROA-STRONG · SIZE-COMMUNITY · BOOK-FULL

  • GRADE-B B (73/100)
  • MID-PACK #2852/4307
  • PHOTO-FINISH FCN Bank, National A… · IN
  • TIER1-WELL 13.1% Tier 1
  • TEXAS-HEALTHY 15.2% Texas
  • ROA-STRONG 1.26% ROA
  • SIZE-COMMUNITY <$100M
  • BOOK-FULL 9/9 fields

Nearest health peer outside Oklahoma: FCN Bank, National Association, IN (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around COMMUNITY BANK OF OKLAHOMA

Lowest and highest poles plus nearest scored peers outside Oklahoma, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100American Commercial… · IL · …73/100Citizens Bank of Kan… · KS ·…73/100COMMUNITY BANK OF OK… · OK ·…73/100FCN Bank, National A… · IN ·…73/100FNNB Bank · IA · near73/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around COMMUNITY BANK OF OKLAHOMA · July 2026

What COMMUNITY BANK OF OKLAHOMA's Call Report plate shows

COMMUNITY BANK OF OKLAHOMA (FDIC Cert #4217) carries a PlainBankData health grade of B at 73/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,852 of 4,307. Tier 1 capital prints at 13.12%, clearing the 10% well-capitalized line. The Texas Ratio is 15.20%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.26%. Balance-sheet scale is $61M, 4,050th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is FCN Bank, National Association (IN), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around COMMUNITY BANK OF OKLAHOMA

8 FAILURE resolutions in Oklahoma since 2000 (8 since 2008)

COMMUNITY BANK OF OKLAHOMA's home state sits in the middle band of post-2000 FAILURE counts (8; 8 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; COMMUNITY BANK OF OKLAHOMA remains an active FDIC-insured reporter.

  • FIRST NB OF LINDSAY LINDSAY, OK 2024 → FIRST BANK & TRUST CO.
  • THE FREEDOM STATE BANK FREEDOM, OK 2014 → ALVA STATE BANK & TRUST COMPANY
  • THE BANK OF UNION EL RENO, OK 2014 → BANCFIRST

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Oklahoma banks.

How COMMUNITY BANK OF OKLAHOMA's 73/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10073/100
COMMUNITY BANK OF OKLAHOMA's composite health score
Tier 1 Capital Ratio (13.12%) 35/40
Return on Assets (ROA) (1.26%) 20/25
Texas Ratio (15.20%) 10/20
Efficiency Ratio (69.12%) 8/15

73 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$61M

Total balance-sheet footings

Total Deposits

$53M

Customer-funded liabilities

Net Loans

$39M

Outstanding loan book

Net Income

$862K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 11.72% 13.12% 14.52%
Basel III capital ratios - COMMUNITY BANK OF OKLAHOMA

Where COMMUNITY BANK OF OKLAHOMA ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. COMMUNITY BANK OF OKLAHOMA's score of 73/100 falls in the highlighted band.

COMMUNITY BANK OF OKLAHOMA: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

73 34th percentile higher than 34% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. COMMUNITY BANK OF OKLAHOMA 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

COMMUNITY BANK OF OKLAHOMA'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). COMMUNITY BANK OF OKLAHOMA's $61M falls in the highlighted band.

Safety ratios for COMMUNITY BANK OF OKLAHOMA

Tier 1 capital ratio
Well-capitalized 10%

13.12% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
13.12%
Texas Ratio
15.20%
Equity Capital
$8M

What these ratios mean →

Earnings posture at COMMUNITY BANK OF OKLAHOMA

Return on Assets (ROA)
62nd percentile nationally
1.26%
Return on Equity (ROE)
12.20%
Efficiency Ratio
69.12%

What these mean →

Income & expense at COMMUNITY BANK OF OKLAHOMA

$4M
Interest Income
$491K
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. COMMUNITY BANK OF OKLAHOMA reports a Texas Ratio of 15.20% - within the generally healthy range below the 50% level analysts watch.

Texas Ratio
Caution 50%

15.20% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View COMMUNITY BANK OF OKLAHOMA on FDIC BankFind →

Top banks in Oklahoma by total assets

Largest banks headquartered in Oklahoma
  1. 1
    BOKF $52.0B

    Tulsa, OK · Grade A

  2. 2
    MidFirst Bank $41.4B

    Oklahoma City, OK · Grade B

  3. 3
    First United Bank and Trust Company $16.3B

    Durant, OK · Grade B

  4. 4
    BancFirst $12.1B

    Oklahoma City, OK · Grade A

  5. 5
    InterBank $5.5B

    Oklahoma City, OK · Grade B

Top 5 banks in Oklahoma ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($61M here), outside Oklahoma so the neighborhood is not state containment.

Ford County State Bank $61M · KS State Central Bank $61M · IA The Security State Bank $61M · SD First State Bank $61M · TX

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) COMMUNITY BANK OF OKLAHOMA (FDIC Cert #4217) - 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.

COMMUNITY BANK OF OKLAHOMA Call Report profile · FDIC Failed Bank List · Oklahoma FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Oklahoma

All Oklahoma banks →
BankAssetsGradeROA
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%