Osage Federal Bank

Headquarters

239 East Main Street
Pawhuska, OK 74056
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.91% →
1-Year CD N.A. 1.01% →
2-Year CD N.A. 0.95% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

Osage Federal Bank is an FDIC insured institution located in Pawhuska, OK. It was founded in 1918 and has approximately $0.15 billion in assets.

FDIC Insured Yes
FDIC Certificate # 28356
Date Established 1918
Assets $ 150.45 million
Loans $ 80.60 million
Deposits $ 112.91 million
Capital $ 20.80 million
 

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

Deposit Rates - October 31, 2020

Your Current Location: Virginia, VA 20146


Loan Rates - October 31, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Osage Federal 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

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
2.558% 2.500% 0.75 $1,908 $988 Learn More
Rocket Mortgage
NMLS ID: 3030
3.746% 3.625% 1.00 $3,750 $1,141 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.240 %
$0 Learn More
More Info

Note to Osage Federal Bank
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Branches

Osage Federal Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Osage Federal Bank Locations


Financial Details

Osage Federal Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Osage Federal 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
Osage Federal Bank U.S. Bank Average
3.7% 6.94%

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 March 31, 2020, Osage Federal Bank had $153,000 in non-current loans and $638,000 in owned real estate. To cover these potential losses it had $20,801,000 in equity and $589,000 in loans loss reserves. That gives it a Texas Ratio of 3.7%.

Return on Equity
Osage Federal Bank U.S. Bank Average
2.66% 7.80%

Osage Federal Bank has a Return on Equity of 2.66% versus the BestCashCow average of 7.80%. 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.

Capitalization
Osage Federal Bank U.S. Bank Average
13.83% 12.68%

Osage Federal Bank has a Capitalization of 13.83% versus the BestCashCow average of 12.68. 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.

Osage Federal Bank Balance Sheet Analysis

As of September 30, 2012, Osage Federal Bank had assets of $150,454,000, loans of $80,601,000, and deposits of $112,910,000. 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

March 31, 2020
ASSETS
Cash & Balances due from depository institutions N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 80.60 million
Loan loss allowance $ 0.59 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.64 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
LIABILITIES
Total deposits $ 112.91 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 150.45 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in Osage Federal Bank’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Small Business Loans.

Compared to other banks in Oklahoma, Osage Federal Bank has a significantly higher percent of 1-4 Family Residential Loans, Small Business 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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 59.53
Multifamily
Mortgages
2.65
Credit Card Loans 0.00
Consumer Auto Loans 5.64
Small Business Loans 8.40
Construction and Development Loans 7.16
Commercial Real Estate 15.47
Commercial and Industrial Loans 4.98
Farm Loans 0.00

Frequently Asked Questions About Osage Federal Bank

Branches and Savings

Is Osage Federal Bank FDIC insured?

Yes. It is covered under FDIC Certificate #28356.

Why does Osage Federal Bank pay such low interest on savings accounts?

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

Why are Osage Federal Bank CD rates not competitive?

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

Is Osage Federal Bank a commercial bank?

Yes

Where are Osage Federal Bank locations?

See branch locations nearby.

Is Osage Federal Bank open on Saturdays?

Is Osage Federal Bank open on Sundays?

What time does Osage Federal Bank open?

What time does Osage Federal Bank close?

Are Osage Federal Bank ATMs Open 24/7?

Do Osage Federal Bank ATMs accept cash deposits?

Can Osage Federal Bank customers use other ATMs?

Do Osage Federal Bank branches have notaries?

Will Osage Federal Bank notarize my document?

What address for Osage Federal Bank should I put for incoming ACH transfers?

Will the Osage Federal Bank branch print checks?

Do Osage Federal Bank checks expire?

Does Osage Federal Bank require US citizenship to open account?

Can Osage Federal Bank close my account?

Does Osage Federal Bank Report to credit bureaus?

Does Osage Federal Bank Use Equifax?

What is Osage Federal Bank's ACH Routing Number?

What is Osage Federal Bank's SWIFT code?

Products

Does Osage Federal Bank offer mortgages?

Compare mortgage rates here.

Does Osage Federal Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Osage Federal Bank offer personal loans?

Compare personal loan rates here.

Does Osage Federal Bank offer student loans?

Will Osage Federal Bank cash a check?

Will Osage Federal Bank redeem a savings bond?

Does Osage Federal Bank cash savings bonds?

Will Osage Federal Bank cash money orders?

Can Osage Federal Bank issue a money order?

Does Osage Federal Bank do currency exchange?

Background on The Bank

Who owns Osage Federal Bank?

How long has Osage Federal Bank been around?

Can Osage Federal Bank transfer to other banks?

Does Osage Federal Bank have quick pay?

Does Osage Federal Bank accept rolled coins?

Will Osage Federal Bank accept loose change?

Where is Osage Federal Bank headquarters?

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