Oklahoma Capital Bank
Tulsa, Oklahoma · FDIC Cert #18856
This is the FDIC profile for Oklahoma Capital Bank, an FDIC-insured bank (Certificate #18856) with $146M in total assets and $116M in total deposits per its most recent FDIC Call Report filing (Q2 2024). Headquartered in Tulsa, Oklahoma, the bank maintains a Tier 1 capital ratio of 12.34% (Well-Capitalized) and a nonperforming loan ratio of 3.38%. BankHealthData assigns a composite Health Grade of C (62/100) based on quarterly FDIC filings. All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Oklahoma Capital Bank (FDIC cert 18856) is a community bank — $146M in total assets, $116M in deposits, serving the Tulsa, Oklahoma area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 12.34% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is elevated: non-performing loan ratio of 3.38% runs above 2%, suggesting the loan book carries more credit risk than peer banks. Elevated NPL can reflect specific portfolio concentrations or broader credit-cycle pressure. Liquidity is in the normal range: 22.8% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is solid: ROA of 1.25% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is declining materially over the most recent quarters. Declining trends warrant attention — banks in this pattern often face follow-on regulatory engagement and elevated supervisory scrutiny. Oklahoma Capital Bank carries a composite BankHealth grade of C (62/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Oklahoma Capital Bank
- Total Assets
- $146M
- Total Deposits
- $116M
- Tier 1 Capital Ratio
- 12.34%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 3.38%
- Liquidity Ratio
- 22.84%
- Return on Assets
- 1.25%
- Headquarters
- Tulsa, Oklahoma
- FDIC Certificate
- #18856
- Health Grade
- C (62/100)
- Latest Call Report
- Q2 2024
FDIC Filings & Call Report Data
Oklahoma Capital Bank files quarterly Call Reports with the FDIC under Certificate #18856. The figures on this page reflect the Q2 2024 Call Report, which is the most recent FDIC filing currently available. Historical filings and Uniform Bank Performance Reports (UBPR) are accessible directly from the FDIC BankFind directory and the FFIEC Central Data Repository.
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Capital & Safety Analysis
According to FDIC financial data, Oklahoma Capital Bank holds a Tier 1 capital ratio of 12.34%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Oklahoma Capital Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Oklahoma Capital Bank shows average financial health. While not alarming, its Health Score of 62/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Oklahoma Capital Bank Compares
Oklahoma Capital Bank’s Health Score of 62 is 15 points below the Oklahoma state average of 77 across 141 FDIC-insured banks. Its 12.34% Tier 1 capital ratio is 1.7 points below the US banking industry average near 14%. The 3.38% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 1.25% is in line with or above the national ROA benchmark of ~1.1%. Among 1348 similarly-sized banks, the average Health Score is 81, meaning this bank ranks below its size cohort. Site-wide, Oklahoma Capital Bank is 18 points below the portfolio average of 80.
Frequently Asked Questions
Oklahoma Capital Bank has a Bank Health Score of C (62/100), placing it in average financial health. It holds a Tier 1 capital ratio of 12.34%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Oklahoma Capital Bank's Tier 1 capital ratio of 12.34% and nonperforming loan ratio of 3.38% indicate an average risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Oklahoma Capital Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #18856). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Oklahoma Capital Bank holds $146M in total assets and $116M in total deposits. It is headquartered in Tulsa, Oklahoma (FDIC Certificate #18856).
Oklahoma Capital Bank's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #18856 and available through the FDIC BankFind directory and the FFIEC Central Data Repository. The data on this page reflects the Q2 2024 Call Report.
Oklahoma Capital Bank has a Tier 1 capital ratio of 12.34%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 3.38%, and the return on assets is 1.25%.
Yes. Oklahoma Capital Bank is FDIC-insured (Certificate #18856). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An C grade on our Bank Health Score means 55-69/100 — average across capital, loan quality, and profitability. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Oklahoma Capital Bank's metrics are around average for the industry. There's no urgent action needed for FDIC-insured deposits, but it's worth monitoring quarterly updates. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.