TellerScore

Local Bank (FDIC certificate #2327) is based in Hulbert, Oklahoma. Its Q2 2026 call report shows $463.1M in total assets and $382.6M in deposits and 7 offices.

Based on its Q2 2026 filing, Local Bank scores 66/100, which we describe as moderate. That is higher than only 31% of 2,650 banks with $100 million – $1 billion. Among 170 banks headquartered in Oklahoma, it ranks 103rd. Its strongest component is problem-loan coverage (93/100; 3.7%), and its lowest is earnings (34/100; 0.34%).

TellerScore · Q2 2026

Scorecard

Capital cushion64/100
Tier 1 leverage ratio: 11.35%
Loan quality83/100
Noncurrent loans ÷ total loans: 0.52%
Earnings34/100
Return on assets (annualized): 0.34%
Funding & liquidity69/100
Loans ÷ deposits and uninsured-deposit share: 91.0% · 14.4% uninsured
Problem-loan coverage93/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 3.69%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 8 points (74 → 66), mostly because the capital cushion component weakened by 11 points.

TellerScore
667175Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202475
Q3 202475
Q4 202474
Q1 202572
Q2 202574
Q3 202573
Q4 202570
Q1 202669
Q2 202666
Tier 1 leverage ratio
5.00%9.08%13.16%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 202413.16%
Q3 202412.94%
Q4 202412.77%
Q1 202512.51%
Q2 202512.49%
Q3 202512.21%
Q4 202511.74%
Q1 202611.48%
Q2 202611.35%
Noncurrent loans
0.13%0.32%0.52%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.13%
Q3 20240.19%
Q4 20240.26%
Q1 20250.28%
Q2 20250.21%
Q3 20250.19%
Q4 20250.36%
Q1 20260.19%
Q2 20260.52%
Return on assets
0.28%0.40%0.51%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.38%
Q3 20240.46%
Q4 20240.40%
Q1 20250.28%
Q2 20250.51%
Q3 20250.49%
Q4 20250.44%
Q1 20260.28%
Q2 20260.34%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202666$463.1M11.35%0.52%0.34%91.0%
Q1 202669$441.4M11.48%0.19%0.28%92.0%
Q4 202570$429.0M11.74%0.36%0.44%90.1%
Q3 202573$412.5M12.21%0.19%0.49%92.3%
Q2 202574$421.2M12.49%0.21%0.51%89.3%
Q1 202572$409.1M12.51%0.28%0.28%85.5%
Q4 202474$401.6M12.77%0.26%0.40%84.0%
Q3 202475$392.6M12.94%0.19%0.46%80.1%
Q2 202475$373.0M13.16%0.13%0.38%86.9%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.35%
56th
Total risk-based capital13.75%
61st
Problem loans0.52%
45th
Net charge-offs0.05%
27th
Return on assets0.34%
8th
Net interest margin3.92%
49th
Efficiency ratio88.4%
7th
Loans to deposits91.0%
24th
Uninsured deposits14.4%
84th
Loan-loss reserves0.62%
6th
Texas ratio3.7%
43rd

Similar-size banks in Oklahoma

InstitutionScoreAssetsCapitalProblem loansCompare
Bank of Western OklahomaBank Elk City, OK73 out of 100, Strong$469.7M8.1%0.11%vs
Watermark BankBank Oklahoma City, OK81 out of 100, Strong$450.5M13.3%0.00%vs
Welch State Bank of Welch, Okla.Bank Welch, OK76 out of 100, Strong$449.8M10.2%0.36%vs
Ameristate BankBank Atoka, OK57 out of 100, Moderate$477.7M9.5%1.67%vs
FSNB, National AssociationBank Lawton, OK96 out of 100, Very strong$478.3M17.5%0.36%vs
The City National Bank and Trust Company of Lawton, OklahomaBank Lawton, OK83 out of 100, Strong$446.2M13.9%0.45%vs

Deposit insurance

Is my money safe at Local Bank?

Yes. Local Bank is an FDIC-insured institution (FDIC certificate #2327). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 14.4% of deposits ($55.1M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.35%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.75% (benchmark: 10%).

Check how much of your own balance is covered

7 locations

Branches

Local Bank lists 6 offices in 5 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Local Bank
Former names
Bank of Cherokee County; First State Bank
Type
State-chartered bank (Fed member)
FDIC certificate #
2327
RSSD ID
815754
Primary regulator
FED
Holding company
Grandview Bankshares Inc
Established
December 1, 1908
Headquarters
385 E Main St, Hulbert, OK 74441
Employees
94

Quick answers

Local Bank: common questions

Is Local Bank FDIC insured?

Yes. Local Bank is an FDIC-insured institution (FDIC certificate #2327). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Local Bank's TellerScore?

66 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Local Bank ever failed?

There is no failure record for FDIC certificate #2327 in the FDIC failed bank list.

How many branches does Local Bank have?

7 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Hulbert

InstitutionScoreAssetsCapitalProblem loansCompare
First BankBank Erick, OK93 out of 100, Very strong$118.0M14.2%0.27%vs
Muskogee Federal Credit UnionCredit union Muskogee, OK87 out of 100, Very strong$112.0M12.8%0.58%vs
The City National Bank and Trust Company of Lawton, OklahomaBank Lawton, OK83 out of 100, Strong$446.2M13.9%0.45%vs
Welch State Bank of Welch, Okla.Bank Welch, OK76 out of 100, Strong$449.8M10.2%0.36%vs
Armstrong BankBank Muskogee, OK74 out of 100, Strong$2.8B10.4%0.25%vs
Ttcu Federal Credit UnionCredit union Tulsa, OK73 out of 100, Strong$2.7B13.4%1.49%vs