Total Assets
$196M
Total balance-sheet footings
FDIC Cert #4193 · Seiling, Oklahoma · Est. 1901
THE SEILING STATE 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.
- $196M
- Total assets
- C
- Health grade · Fair
- -1.20%
- Return on assets
- 12.5%
- Tier 1 capital
Data updated July 2026
The verdict
THE SEILING STATE BANK earns a PlainBankData health grade of C (59/100), with well-capitalized at 12.48% Tier 1, -1.20% ROA, 74% efficiency ratio.
- #3,032
- largest of 4,313 FDIC banks by assets
- 30th
- percentile by asset size, nationally
- 12.48%
- Tier 1 ratio - above the 10% well-capitalized line
- 2nd
- 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.
How THE SEILING STATE BANK's 59/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
THE SEILING STATE BANK's composite health score
Tier 1 Capital Ratio (12.48%) 35/40
Return on Assets (ROA) (-1.20%) 0/25
Texas Ratio (3.26%) 20/20
Efficiency Ratio (74.10%) 4/15
59 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$178M
Customer-funded liabilities
Net Loans
$142M
Outstanding loan book
Net Income
$-2,344K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where THE SEILING STATE BANK ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. THE SEILING STATE BANK's score of 59/100 falls in the highlighted band.
THE SEILING STATE 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). THE SEILING STATE BANK's $196M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
12.48% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
12.48%
Texas Ratio
3.26%
Equity Capital
$18M
Profitability metrics
Return on Assets (ROA)
2nd percentile nationally
-1.20%
Return on Equity (ROE)
-15.05%
Efficiency Ratio
74.10%
What the numbers say about THE SEILING STATE BANK
THE SEILING STATE BANK is an FDIC-insured institution (Certificate #4193) headquartered in Seiling, Oklahoma, established in 1901. It holds $196M in total assets - 3,032nd of 4,313 FDIC-insured banks, $178M in customer deposits, and $142M in net loans. On safety, its Tier 1 capital ratio of 12.48% is above the 10% well-capitalized threshold, and its Texas Ratio of 3.26% sits in the healthy range below 50%. It earns a PlainBankData health grade of C (59/100), 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.
Within Oklahoma, THE SEILING STATE BANK ranks 101st of 172 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$11M
Interest Income
$467K
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. THE SEILING STATE BANK reports a Texas Ratio of 3.26% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
3.26% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
What to watch at THE SEILING STATE BANK
THE SEILING STATE BANK's grade of C reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-2,344K 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 THE SEILING STATE 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.
Top banks in Oklahoma by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) THE SEILING STATE BANK (FDIC Cert #4193) - 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 THE SEILING STATE BANK's health grade?▼
THE SEILING STATE BANK receives a health grade of C (59/100) 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 THE SEILING STATE BANK?▼
THE SEILING STATE BANK holds $196M in total assets and $178M in deposits, ranking 3,032nd of 4,313 FDIC-insured banks by asset size. It is headquartered in Seiling, Oklahoma.
Is my money safe at THE SEILING STATE BANK?▼
Yes, deposits at THE SEILING STATE BANK (Certificate #4193) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is THE SEILING STATE BANK's Tier 1 Capital Ratio?▼
THE SEILING STATE BANK has a Tier 1 Capital Ratio of 12.48%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for THE SEILING STATE BANK?▼
THE SEILING STATE BANK has a Texas Ratio of 3.26%. 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 THE SEILING STATE BANK?▼
THE SEILING STATE BANK has an Efficiency Ratio of 74.10%. 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 THE SEILING STATE BANK's profile as a depositor or analyst.
- THE SEILING STATE BANK's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare THE SEILING STATE 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.