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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 2327 · OK C · 62/100

GRADE-C · LOWER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-MID · BOOK-FULL

  • GRADE-C C (62/100)
  • LOWER-Q #3667/4307
  • PHOTO-FINISH Buckeye State Bank · OH
  • TIER1-WELL 14.2% Tier 1
  • TEXAS-CLEAN 2.4% Texas
  • ROA-THIN 0.44% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Oklahoma: Buckeye State Bank, OH (±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 Local Bank

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

Morgan Stanley Bank,… · UT ·…100/100Buckeye State Bank · OH · ne…62/100Community Bank · SD · near62/100High Plains Bank · CO · near62/100Local Bank · OK · this bank62/100The Citizens State B… · CO ·…62/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Local Bank · July 2026

What Local Bank's Call Report plate shows

Local Bank (FDIC Cert #2327) carries a PlainBankData health grade of C at 62/100, 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 #3,667 of 4,307. Tier 1 capital prints at 14.25%, clearing the 10% well-capitalized line. The Texas Ratio is 2.39%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.44%. Balance-sheet scale is $429M, 1,993rd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Buckeye State Bank (OH), 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 Local Bank

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

Local Bank'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; Local Bank 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 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.

0/100100/100National avg77/10062/100
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 Assets

$429M

Total balance-sheet footings

Total Deposits

$361M

Customer-funded liabilities

Net Loans

$325M

Outstanding loan book

Net Income

$2M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 12.85% 14.25% 15.65%
Basel III capital ratios - Local Bank

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: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

62 15th percentile higher than 15% 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%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Local Bank 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

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 ratios for Local Bank

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

What these ratios mean →

Profitability metrics: Local Bank

Return on Assets (ROA)
13th percentile nationally
0.44%
Return on Equity (ROE)
3.86%
Efficiency Ratio
86.54%

What these mean →

Income & expense at Local Bank

$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.

FDIC Failed Bank List → View Local Bank 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 ($429M here), outside Oklahoma so the neighborhood is not state containment.

Community Bank of Santa Maria $429M · CA The Bank $429M · LA Broadstreet Bank S S B $429M · TX BankFlorida $430M · FL

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.

Local Bank 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%