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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Hulbert, OK · FDIC certificate #2327
LOCAL BANK is an FDIC-insured institution based in Hulbert, OK (FDIC certificate #2327). In its Q3 2026 Call Report it reported total assets of $475M, total deposits of $415M and net loans of $356M. Its primary federal regulator is FED.
Plain-language readout
LOCAL BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $475M in Q3 2026 and were lowest at $441M in Q1 2026.
Total deposits were highest at $415M in Q3 2026 and lowest at $363M in Q1 2026.
Over the whole period total assets rose 7.6%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $475M | $415M | $356M | 0.34% | 3.32% | 3.65% |
| Q2 2026 | $463M | $383M | $348M | 0.34% | 3.21% | 3.92% |
| Q1 2026 | $441M | $363M | $334M | 0.28% | 2.61% | 3.82% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $3.9M | $4.5M | -$609K | -13.5% |
| Federal funds sold | $41.5M | $34.7M | +$6.8M | +19.6% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $20.7M | $20.9M | -$220K | -1.1% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $602K | $1.5M | -$860K | -58.8% |
| Net loans and leases (after allowance) | $347.5M | $332.6M | +$14.9M | +4.5% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $29.7M | $27.8M | +$1.9M | +6.8% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $33K | $32K | +$1K | +3.1% |
| All other assets | $19.2M | $19.4M | -$203K | -1.0% |
| Total assets | $463.1M | $441.4M | +$21.7M | +4.9% |
| Liabilities | ||||
| Total deposits | $382.6M | $363.3M | +$19.3M | +5.3% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $32.1M | $29.2M | +$3.0M | +10.2% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $1.3M | $2.0M | -$693K | -34.9% |
| Total liabilities | $416.1M | $394.5M | +$21.6M | +5.5% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $150K | $150K | $0K | 0.0% |
| Surplus | $40.6M | $40.6M | $0K | 0.0% |
| Retained earnings | $7.9M | $7.8M | +$28K | +0.4% |
| Accumulated other comprehensive income | -$1.6M | -$1.6M | +$61K | +3.7% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $47.0M | $46.9M | +$89K | +0.2% |
| Credit and capital | ||||
| Gross nonperforming assets | $1.8M | $624K | +$1.2M | +191.0% |
| Adjusted nonperforming assets | $1.8M | $624K | +$1.2M | +191.0% |
| Tangible equity plus allowance | $49.2M | $49.0M | +$207K | +0.4% |
| Texas ratio (gross) | 3.69% | 1.27% | +2.42 pts | See points |
| Texas ratio (adjusted) | 3.69% | 1.27% | +2.42 pts | See points |
| Texas ratio (adjusted, with performing restructured) | Not reported | Not reported | Not reported | See points |
| Tier 1 capital to risk-weighted assets | 13.13% | 13.79% | -0.66 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 13.13% | 13.79% | -0.66 pts | See points |
| Tier 2 capital to risk-weighted assets | 0.62% | 0.62% | +0.00 pts | See points |
| Total risk-based capital to risk-weighted assets | 13.75% | 14.41% | -0.66 pts | See points |
| Tier 1 leverage (approximate) | 11.35% | 11.48% | -0.13 pts | See points |
| Construction and land loans to total capital | 63.70% | 56.71% | +6.99 pts | See points |
| Commercial real estate to total capital | 217.06% | 198.89% | +18.16 pts | See points |
| Dividend payout, year to date | 95.23% | 97.07% | -1.84 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -4.21% | -4.38% | +0.17 pts | See points |
| Liquidity | ||||
| Core deposits | $258.4M | $244.6M | +$13.8M | +5.6% |
| Non-core funding | $156.4M | $147.8M | +$8.5M | +5.8% |
| Loans to core deposits | 135.34% | 136.82% | -1.49 pts | See points |
| Loans to deposits | 91.40% | 92.13% | -0.73 pts | See points |
| Brokered deposits share of deposits | 19.55% | 19.81% | -0.25 pts | See points |
| Pledged securities share of securities | 68.39% | 58.63% | +9.75 pts | See points |
| Loans pledged, share of loans | 37.49% | 39.17% | -1.68 pts | See points |
| Volatile liabilities | $156.4M | $147.8M | +$8.5M | +5.8% |
| Earnings | ||||
| Earnings before provision, year to date | $980K | $357K | +$623K | +174.5% |
| Earnings before provision, single quarter | $623K | $357K | +$266K | +74.5% |
| Provision for credit losses, year to date | $225K | $50K | +$175K | +350.0% |
| Yield and cost | ||||
| Yield on loans and leases | 7.56% | 7.00% | +0.56 pts | See points |
| Yield on interest-bearing balances due from banks | Not reported | Not reported | Not reported | See points |
| Total interest income to average assets | 6.26% | 5.91% | +0.35 pts | See points |
| Cost of interest-bearing transaction accounts | 2.31% | 2.19% | +0.13 pts | See points |
| Cost of savings and money market deposits | 1.47% | 1.41% | +0.06 pts | See points |
| Cost of time deposits | 3.56% | 3.69% | -0.13 pts | See points |
| Total interest expense to average assets | 2.49% | 2.43% | +0.06 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $475M | $415M | $356M | 0.34% | 3.32% | 3.65% |
| 2026-06-30 | $463M | $383M | $348M | 0.34% | 3.21% | 3.92% |
| 2026-03-31 | $441M | $363M | $334M | 0.28% | 2.61% | 3.82% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| OK | $331M | 0.23% | 71 | Continuing · +0.02 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.