Oklahoma State Bank


2610 South Division Avenue
Guthrie, OK 73044
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.35% 1.62% →
1-Year CD 0.90% 1.55% →
2-Year CD 1.00% 1.45% →
5-Year CD 1.00% 1.66% →
30-Year Mortgage N.A. 3.08% →
15-Year Mortgage N.A. 2.65% →
HELOC N.A. 2.77% →

2020 Overview

General Bank Information

Oklahoma State Bank is an FDIC insured institution located in Guthrie, OK. It was founded in 1909 and has approximately $0.15 billion in assets. Customers can open an account at one of its 5 branches.

FDIC Insured Yes
FDIC Certificate # 5994
Date Established 1909
Assets $ 146.36 million
Loans $ 118.62 million
Deposits $ 126.98 million
Capital $ 18.91 million

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

Deposit Rates - May 29, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
0.35% $25 - Learn More
Money Market
0.25% $2,500 $24,999 Learn More
Money Market
0.50% $25,000 $99,999 Learn More
3 Mo CD
0.50% $1,000 - Learn More
6 Mo CD
0.60% $1,000 - Learn More
12 Mo CD
0.90% $1,000 - Learn More
24 Mo CD
1.00% $1,000 - Learn More
36 Mo CD
1.00% $1,000 - Learn More
48 Mo CD
1.00% $1,000 - Learn More
60 Mo CD
1.00% $1,000 - Learn More

Fixed IRA
0.70% $50 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $100 - Learn MoreShow Less

Loan Rates - May 29, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Oklahoma State Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2020

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.114% 3.990% 1.00 $3,750 $1,193 Learn More
NMLS ID: 2890
License#: MC-3098
2.952% 2.875% 1.00 $2,485 $1,038 Learn More
Rocket Mortgage
NMLS ID: 3030
3.998% 3.875% 1.00 $3,750 $1,176 Learn More

Note to Oklahoma State Bank
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Financial Details

Oklahoma State Bank Ratio Analysis

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

Texas Ratio
Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
2.990 %
$0 Learn More
More Info
PenFed Credit Union
PenFed Credit Union
3.750 %
$0 Learn More
More Info
Oklahoma State Bank U.S. Bank Average
8.02% 6.51%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of December 31, 2019, Oklahoma State Bank had $1,642,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $18,905,000 in equity and $1,573,000 in loans loss reserves. That gives it a Texas Ratio of 8.02%.

Return on Equity
Oklahoma State Bank U.S. Bank Average
1.46% 9.41%

Oklahoma State Bank has a Return on Equity of 1.46% versus the BestCashCow average of 9.41%. 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.

Oklahoma State Bank U.S. Bank Average
12.92% 12.82%

Oklahoma State Bank has a Capitalization of 12.92% versus the BestCashCow average of 12.82. 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.

Oklahoma State Bank Balance Sheet Analysis

As of December 31, 2019, Oklahoma State Bank had assets of $146,356,000, loans of $118,619,000, and deposits of $126,983,000. 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.

Summary Balance Sheet

December 31, 2019
Cash & Balances due from depository institutions $ 16.20 million
Interest-bearing balances $ 13.75 million
Total securities $ 2.01 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 118.62 million
Loan loss allowance $ 1.57 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 2.48 million
All other assets $ 4.23 million
     Total Assets $ 127.45 million
Total deposits $ 126.98 million
      Interest-bearing deposits $ 103.93 million
      Deposits held in domestic offices $ 126.98 million
      % insured (estimated) 85.35%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 0.47 million
      Total Liabilities $ 127.45 million
      Shareholders’ Equity $ 18.91 million

Summary Income Statement

December 31, 2019
Total Interest Income $ 6.90 million
Total Interest Expense $ 2.15 million
Net interest income $ 4.75 million
Provision for loan and lease losses $ 0.21 million
Total non interest income $ 1.25 million
Total non interest expense $ 5.55 million
Pre-tax Net Operating Income $ 0.24 million

Bank Loan Profile?

The top three loan types in Oklahoma State Bank’s loan portfolio are Commercial Real Estate, Commercial and Industrial Loans, and Small Business Loans.

Compared to other banks in Oklahoma, Oklahoma State Bank has a significantly higher percent of Small Business Loans, Commercial Real Estate, Commercial and Industrial 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 16.27
Credit Card Loans 0.00
Consumer Auto Loans 0.39
Small Business Loans 17.23
Construction and Development Loans 5.58
Commercial Real Estate 43.13
Commercial and Industrial Loans 30.46
Farm Loans 0.10

Frequently Asked Questions About Oklahoma State Bank

Branches and Savings

Is Oklahoma State Bank FDIC insured?

Yes. It is covered under FDIC Certificate #5994.

Why does Oklahoma State Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Oklahoma State Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Oklahoma State Bank a commercial bank?


Where are Oklahoma State Bank locations?

See branch locations nearby.

Is Oklahoma State Bank open on Saturdays?

Is Oklahoma State Bank open on Sundays?

What time does Oklahoma State Bank open?

What time does Oklahoma State Bank close?

Are Oklahoma State Bank ATMs Open 24/7?

Do Oklahoma State Bank ATMs accept cash deposits?

Can Oklahoma State Bank customers use other ATMs?

Do Oklahoma State Bank branches have notaries?

Will Oklahoma State Bank notarize my document?

What address for Oklahoma State Bank should I put for incoming ACH transfers?

Will the Oklahoma State Bank branch print checks?

Do Oklahoma State Bank checks expire?

Does Oklahoma State Bank require US citizenship to open account?

Can Oklahoma State Bank close my account?

Does Oklahoma State Bank Report to credit bureaus?

Does Oklahoma State Bank Use Equifax?

What is Oklahoma State Bank's ACH Routing Number?

What is Oklahoma State Bank's SWIFT code?


Does Oklahoma State Bank offer mortgages?

Compare mortgage rates here.

Does Oklahoma State Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Oklahoma State Bank offer personal loans?

Compare personal loan rates here.

Does Oklahoma State Bank offer student loans?

Will Oklahoma State Bank cash a check?

Will Oklahoma State Bank redeem a savings bond?

Does Oklahoma State Bank cash savings bonds?

Will Oklahoma State Bank cash money orders?

Can Oklahoma State Bank issue a money order?

Does Oklahoma State Bank do currency exchange?

Background on The Bank

Who owns Oklahoma State Bank?

How long has Oklahoma State Bank been around?

Can Oklahoma State Bank transfer to other banks?

Does Oklahoma State Bank have quick pay?

Does Oklahoma State Bank accept rolled coins?

Will Oklahoma State Bank accept loose change?

Where is Oklahoma State Bank headquarters?

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