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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Tulsa, OK · FDIC certificate #18856
OKLAHOMA CAPITAL BANK is an FDIC-insured institution based in Tulsa, OK (FDIC certificate #18856). In its Q3 2026 Call Report it reported total assets of $202M, total deposits of $161M and net loans of $166M. Its primary federal regulator is FED.
Plain-language readout
OKLAHOMA CAPITAL BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $202M in Q3 2026 and were lowest at $182M in Q1 2026.
Total deposits were highest at $161M in Q3 2026 and lowest at $151M in Q1 2026.
Over the whole period total assets rose 11.1%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $202M | $161M | $166M | 1.32% | 10.17% | 4.66% |
| Q2 2026 | $196M | $160M | $161M | 1.29% | 9.86% | 4.73% |
| Q1 2026 | $182M | $151M | $149M | 1.31% | 9.79% | 4.80% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $15.5M | $13.6M | +$1.8M | +13.5% |
| Federal funds sold | $719K | $204K | +$515K | +252.5% |
| 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) | $9.1M | $8.2M | +$821K | +10.0% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $160.5M | $149.4M | +$11.1M | +7.4% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $2.2M | $2.2M | +$41K | +1.9% |
| 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) | $6.1M | $6.1M | -$10K | -0.2% |
| All other assets | $2.3M | $2.2M | +$42K | +1.9% |
| Total assets | $196.3M | $181.9M | +$14.4M | +7.9% |
| Liabilities | ||||
| Total deposits | $159.8M | $150.6M | +$9.2M | +6.1% |
| 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 | $10.6M | $6.0M | +$4.6M | +75.9% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $1.1M | $1.1M | +$15K | +1.3% |
| Total liabilities | $171.5M | $157.7M | +$13.8M | +8.7% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $120K | $120K | $0K | 0.0% |
| Surplus | $20.2M | $20.2M | $0K | 0.0% |
| Retained earnings | $4.5M | $3.9M | +$608K | +15.7% |
| Accumulated other comprehensive income | -$1K | $24K | -$25K | -104.2% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $24.8M | $24.2M | +$583K | +2.4% |
| Credit and capital | ||||
| Gross nonperforming assets | $481K | $481K | $0K | 0.0% |
| Adjusted nonperforming assets | $481K | $481K | $0K | 0.0% |
| Tangible equity plus allowance | $20.4M | $19.7M | +$708K | +3.6% |
| Texas ratio (gross) | 2.35% | 2.44% | -0.08 pts | See points |
| Texas ratio (adjusted) | 2.35% | 2.44% | -0.08 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 2.35% | 2.44% | -0.08 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 10.39% | 10.31% | +0.07 pts | See points |
| Construction and land loans to total capital | 287.53% | 273.12% | +14.41 pts | See points |
| Commercial real estate to total capital | 444.95% | 410.87% | +34.08 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -0.01% | 0.18% | -0.18 pts | See points |
| Liquidity | ||||
| Core deposits | $139.1M | $131.3M | +$7.8M | +5.9% |
| Non-core funding | $31.3M | $25.3M | +$6.0M | +23.6% |
| Loans to core deposits | 116.66% | 115.03% | +1.63 pts | See points |
| Loans to deposits | 101.50% | 100.25% | +1.25 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 22.03% | 24.26% | -2.23 pts | See points |
| Loans pledged, share of loans | 26.64% | 12.73% | +13.91 pts | See points |
| Volatile liabilities | $76.1M | $65.0M | +$11.1M | +17.1% |
| Earnings | ||||
| Earnings before provision, year to date | $1.9M | $948K | +$978K | +103.2% |
| Earnings before provision, single quarter | $978K | $948K | +$30K | +3.2% |
| Provision for credit losses, year to date | $280K | $145K | +$135K | +93.1% |
| Yield and cost | ||||
| Yield on loans and leases | 7.69% | 7.74% | -0.05 pts | See points |
| Yield on interest-bearing balances due from banks | 3.17% | 3.18% | -0.01 pts | See points |
| Total interest income to average assets | 6.85% | 6.84% | +0.01 pts | See points |
| Cost of interest-bearing transaction accounts | 0.56% | 0.00% | +0.56 pts | See points |
| Cost of savings and money market deposits | 2.56% | 2.58% | -0.02 pts | See points |
| Cost of time deposits | 3.84% | 3.85% | -0.01 pts | See points |
| Total interest expense to average assets | 2.40% | 2.42% | -0.03 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 | $202M | $161M | $166M | 1.32% | 10.17% | 4.66% |
| 2026-06-30 | $196M | $160M | $161M | 1.29% | 9.86% | 4.73% |
| 2026-03-31 | $182M | $151M | $149M | 1.31% | 9.79% | 4.80% |
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 | $131.4M | 0.09% | 126 | Continuing · +0.01 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.