Total Assets
$429M
Total balance-sheet footings
FDIC Cert #2327 · Hulbert, Oklahoma · Est. 1908
Local Bank - FDIC Bank Health Profile
A community-scale look at Local Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $429M
- Total assets
- C
- Health grade · Fair
- 0.44%
- Return on assets
- 14.2%
- Tier 1 capital
Data updated July 2026
The verdict
Local Bank earns a PlainBankData health grade of C (62/100), with well-capitalized at 14.25% Tier 1, 0.44% ROA, 87% efficiency ratio.
- #1,993
- largest of 4,313 FDIC banks by assets
- 54th
- percentile by asset size, nationally
- 14.25%
- Tier 1 ratio - above the 10% well-capitalized line
- 13th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Local Bank's 62/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Local Bank's composite health score
Tier 1 Capital Ratio (14.25%) 35/40
Return on Assets (ROA) (0.44%) 7/25
Texas Ratio (2.39%) 20/20
Efficiency Ratio (86.54%) 0/15
62 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$361M
Customer-funded liabilities
Net Loans
$325M
Outstanding loan book
Net Income
$2M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Local Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Local Bank's score of 62/100 falls in the highlighted band.
Local Bank'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). Local Bank's $429M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
14.25% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
14.25%
Texas Ratio
2.39%
Equity Capital
$47M
Profitability metrics
Return on Assets (ROA)
13th percentile nationally
0.44%
Return on Equity (ROE)
3.86%
Efficiency Ratio
86.54%
What the numbers say about Local Bank
Local Bank is an FDIC-insured institution (Certificate #2327) headquartered in Hulbert, Oklahoma, established in 1908. It holds $429M in total assets - 1,993rd of 4,313 FDIC-insured banks, $361M in customer deposits, and $325M in net loans. Its capital position: a Tier 1 ratio of 14.25%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 2.39% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of C (62 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Local Bank sits 60th of 172 banks headquartered in Oklahoma by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$23M
Interest Income
$2M
Non-Interest Income
$13M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Local Bank reports a Texas Ratio of 2.39% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
2.39% - 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) Local Bank (FDIC Cert #2327) - 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 Local Bank's health grade?▼
Local Bank receives a health grade of C (62/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Local Bank?▼
Local Bank holds $429M in total assets and $361M in deposits, ranking 1,993rd of 4,313 FDIC-insured banks by asset size. It is headquartered in Hulbert, Oklahoma.
Is my money safe at Local Bank?▼
Yes, deposits at Local Bank (Certificate #2327) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Local Bank's Tier 1 Capital Ratio?▼
Local Bank has a Tier 1 Capital Ratio of 14.25%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Local Bank?▼
Local Bank has a Texas Ratio of 2.39%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Local Bank?▼
Local Bank has an Efficiency Ratio of 86.54%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Local Bank's profile as a depositor or analyst.
- Local Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Local Bank 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.