FDIC Cert #22855 · Roff, Oklahoma · Est. 1979

Oklahoma Heritage Bank - FDIC Bank Health Profile

This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.

Compiled from official public sources by the publisher.
$105M
Total assets
D
Health grade · Weak
-0.54%
Return on assets
10.8%
Tier 1 capital

Data updated July 2026

The verdict

Oklahoma Heritage Bank earns a PlainBankData health grade of D (48/100), with well-capitalized at 10.82% Tier 1, -0.54% ROA, 91% efficiency ratio.

#3,698
largest of 4,313 FDIC banks by assets
14th
percentile by asset size, nationally
10.82%
Tier 1 ratio - above the 10% well-capitalized line
3rd
percentile for profitability (ROA), nationally

A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.

FDIC Call Report plate

Cert 22855 · OK D · 48/100

GRADE-D · BOTTOM-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-LOSS · SIZE-MID · BOOK-FULL

  • GRADE-D D (48/100)
  • BOTTOM-DECILE #4167/4307
  • PHOTO-FINISH Sonata Bank · TN
  • TIER1-WELL 10.8% Tier 1
  • TEXAS-CLEAN 1.6% Texas
  • ROA-LOSS -0.54% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Oklahoma: Sonata Bank, TN (±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 Oklahoma Heritage Bank

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

Morgan Stanley Bank,… · UT ·…100/100Citizens Bank & Trus… · LA ·…48/100Gate City Bank · ND · near48/100Oklahoma Heritage Bank · OK …48/100Sonata Bank · TN · near48/100The Pioneer Savings… · OH · …48/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Oklahoma Heritage Bank · July 2026

What Oklahoma Heritage Bank's Call Report plate shows

Oklahoma Heritage Bank (FDIC Cert #22855) carries a PlainBankData health grade of D at 48/100, 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 #4,167 of 4,307. Tier 1 capital prints at 10.82%, clearing the 10% well-capitalized line. The Texas Ratio is 1.60%, inside the sub-50% band analysts treat as healthy. Return on assets is -0.54%. Balance-sheet scale is $105M, 3,698th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Sonata Bank (TN), 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 Oklahoma Heritage Bank

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

Oklahoma Heritage 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; Oklahoma Heritage 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 Oklahoma Heritage Bank's 48/100 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 avg77/10048/100
Oklahoma Heritage Bank's composite health score
Tier 1 Capital Ratio (10.82%) 28/40
Return on Assets (ROA) (-0.54%) 0/25
Texas Ratio (1.60%) 20/20
Efficiency Ratio (91.13%) 0/15

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

Balance sheet at a glance

Total Assets

$105M

Total balance-sheet footings

Total Deposits

$84M

Customer-funded liabilities

Net Loans

$64M

Outstanding loan book

Net Income

$-550K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% 14% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 9.42% 10.82% 12.22%
Basel III capital ratios - Oklahoma Heritage Bank

Where Oklahoma Heritage Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Oklahoma Heritage Bank's score of 48/100 falls in the highlighted band.

Oklahoma Heritage Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

48 3rd percentile higher than 3% 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%). This entry sits in this band. 50–60: 279 FDIC-insured banks (6%). Above this entry. 60–70: 777 FDIC-insured banks (18%). Above this entry. 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. Oklahoma Heritage 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

Oklahoma Heritage 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). Oklahoma Heritage Bank's $105M falls in the highlighted band.

Safety ratios for Oklahoma Heritage Bank

Tier 1 capital ratio
Well-capitalized 10%

10.82% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
10.82%
Texas Ratio
1.60%
Equity Capital
$11M

What these ratios mean →

Profitability metrics: Oklahoma Heritage Bank

Return on Assets (ROA)
3rd percentile nationally
-0.54%
Return on Equity (ROE)
-5.62%
Efficiency Ratio
91.13%

What these mean →

Income & expense: loss period at Oklahoma Heritage Bank

$6M
Interest Income
$2M
Non-Interest Income
$5M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Oklahoma Heritage Bank reports a Texas Ratio of 1.60% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

1.60% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

What to watch at Oklahoma Heritage Bank

Oklahoma Heritage Bank's grade of D reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-550K for the period, a loss that, if sustained, erodes the equity cushion.

Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Oklahoma Heritage Bank up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.

FDIC Failed Bank List → View Oklahoma Heritage 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 ($105M here), outside Oklahoma so the neighborhood is not state containment.

White State Bank $105M · IA Peoples First Savings Bank $105M · OH The Citizens Bank of Edina $105M · MO The Bank of Magnolia Company $105M · OH

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Oklahoma Heritage Bank (FDIC Cert #22855) - 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.

Oklahoma Heritage 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%