Bank 2

909 South Meridian
Oklahoma City, OK 73108


General Bank Information

FDIC Insured Yes
FDIC Certificate # 11521
Date Established 1903
Assets $0.14 billion
Loans $0.09 billion
Deposits $0.11 billion
Capital $0.02 billion

Bank 2 is an FDIC insured institution located in Oklahoma City, OK. It was founded in 1903 and has approximately $0.14 billion in assets.

For a more detailed analysis of Bank 2's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in Bank 2’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Commercial and Industrial Loans.

Compared to other banks in Oklahoma, Bank 2 has a significantly higher percent of 1-4 Family Residential Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 40.73
Credit Card Loans 0.00
Consumer Auto Loans 1.58
Small Business Loans 10.51
Construction and Development Loans 8.34
Commercial Real Estate 29.38
Commercial and Industrial Loans 14.03
Farm Loans 0.00

Savings Rates

Your Current Location: Virginia, VA 20146

Checking Rates APY MIN FEE
Great Rate Checking 1.51% $0 $0.00 Learn MoreShow Less
Free Checking 0.00% $0 $0.00 Learn MoreShow Less
Freedom Checking 0.00% $0 $0.00 Learn MoreShow Less
NOW Account 0.00% $1,000 $7.50 Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

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Financial Details

Bank 2 Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bank 2. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Bank 2 U.S. Bank Average
9.6% 9.04%

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of December 31, 2016, Bank 2 had $605,000 in non-current loans and $1,130,000 in owned real estate. To cover these potential losses it had $17,128,000 in equity and $946,000 in loans loss reserves. That gives it a Texas Ratio of 9.6%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
Bank 2 U.S. Bank Average
10.9% 8.42%

Bank 2 has a Return on Equity of 10.9% versus the BestCashCow average of 8.42%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Bank 2 U.S. Bank Average
12.59% 11.86%

Bank 2 has a Capitalization of 12.59% versus the BestCashCow average of 11.86%. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Bank 2 Balance Sheet Analysis

As of December 31, 2016, Bank 2 had assets of $136,031,000, loans of $93,181,000, and deposits of $108,483,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

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