Oklahoma Bank and Trust Company is a state-chartered bank headquartered in Clinton, Oklahoma, in business for about 118 years. At the end of Q2 2026 it reported $202.3M in total assets and $173.9M in deposits, with 4 offices.
Oklahoma Bank and Trust Company has a TellerScore of 82 out of 100 (strong) based on Q2 2026 data — higher than 82% of its 2,650 banks with $100 million – $1 billion. Among 170 banks headquartered in Oklahoma, it ranks 32nd. Problem-loan coverage contributes the most (97/100, 1.5%); funding & liquidity contributes the least (64/100, 39% loans-to-deposits, 47% uninsured).
TellerScore · Q2 2026
Scorecard
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 rose 5 points (77 → 82), mostly because the loan quality component improved by 11 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 83 |
| Q3 2024 | 81 |
| Q4 2024 | 79 |
| Q1 2025 | 80 |
| Q2 2025 | 77 |
| Q3 2025 | 81 |
| Q4 2025 | 85 |
| Q1 2026 | 85 |
| Q2 2026 | 82 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 14.30% |
| Q3 2024 | 14.40% |
| Q4 2024 | 14.53% |
| Q1 2025 | 14.14% |
| Q2 2025 | 14.11% |
| Q3 2025 | 14.56% |
| Q4 2025 | 14.68% |
| Q1 2026 | 14.27% |
| Q2 2026 | 14.05% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.32% |
| Q3 2024 | 0.61% |
| Q4 2024 | 0.67% |
| Q1 2025 | 0.56% |
| Q2 2025 | 0.94% |
| Q3 2025 | 0.72% |
| Q4 2025 | 0.07% |
| Q1 2026 | 0.23% |
| Q2 2026 | 0.61% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.18% |
| Q3 2024 | 1.13% |
| Q4 2024 | 1.11% |
| Q1 2025 | 1.16% |
| Q2 2025 | 1.23% |
| Q3 2025 | 1.20% |
| Q4 2025 | 1.15% |
| Q1 2026 | 1.41% |
| Q2 2026 | 1.42% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 82 | $202.3M | 14.05% | 0.61% | 1.42% | 39.0% |
| Q1 2026 | 85 | $204.6M | 14.27% | 0.23% | 1.41% | 41.6% |
| Q4 2025 | 85 | $208.8M | 14.68% | 0.07% | 1.15% | 41.1% |
| Q3 2025 | 81 | $186.6M | 14.56% | 0.72% | 1.20% | 45.2% |
| Q2 2025 | 77 | $193.3M | 14.11% | 0.94% | 1.23% | 42.1% |
| Q1 2025 | 80 | $198.6M | 14.14% | 0.56% | 1.16% | 42.8% |
| Q4 2024 | 79 | $204.9M | 14.53% | 0.67% | 1.11% | 39.0% |
| Q3 2024 | 81 | $184.7M | 14.40% | 0.61% | 1.13% | 44.3% |
| Q2 2024 | 83 | $187.9M | 14.30% | 0.32% | 1.18% | 44.5% |
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).
Similar-size banks in Oklahoma
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bank of CommerceBank Chelsea, OK | 82 out of 100, Strong | $203.2M | 12.8% | 0.78% | vs |
| Oklahoma Capital BankBank Tulsa, OK | 69 out of 100, Moderate | $196.3M | 10.4% | 0.30% | vs |
| The Seiling State BankBank Seiling, OK | 79 out of 100, Strong | $195.0M | 10.5% | 0.00% | vs |
| The Farmers State BankBank Quinton, OK | 70 out of 100, Strong | $193.9M | 9.3% | 0.79% | vs |
| The Bank of the WestBank Thomas, OK | 62 out of 100, Moderate | $192.4M | 10.5% | 2.22% | vs |
| The First National Bank and Trust Company of MiamiBank Miami, OK | 82 out of 100, Strong | $191.4M | 13.4% | 0.60% | vs |
Deposit insurance
Is my money safe at Oklahoma Bank and Trust Company?
Yes. Oklahoma Bank and Trust Company is an FDIC-insured institution (FDIC certificate #4067). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 47.5% of deposits ($82.6M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 14.05%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 41.82% (benchmark: 10%).
4 locations
Branches
Oklahoma Bank and Trust Company lists 2 offices in 2 cities. Most locations:
- Arapaho, OK (1)
- Clinton, OK (1)
Identity & history
Profile
- Legal name
- Oklahoma Bank and Trust Company
- Former names
- The Oklahoma National Bank of Clinton
- Type
- State-chartered bank
- FDIC certificate #
- 4067
- RSSD ID
- 159953
- Primary regulator
- FDIC
- Holding company
- Oklahoma Bcorp Inc
- Established
- March 2, 1908
- Headquarters
- 600 W Gary Blvd, Clinton, OK 73601
- Website
- www.oklabank.com
- Employees
- 27
Quick answers
Oklahoma Bank and Trust Company: common questions
Is Oklahoma Bank and Trust Company FDIC insured?
Yes. Oklahoma Bank and Trust Company is an FDIC-insured institution (FDIC certificate #4067). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Oklahoma Bank and Trust Company's TellerScore?
82 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Oklahoma Bank and Trust Company ever failed?
There is no failure record for FDIC certificate #4067 in the FDIC failed bank list.
How many branches does Oklahoma Bank and Trust Company have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Clinton
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Bank and Trust CompanyBank Clinton, OK | 96 out of 100, Very strong | $58.2M | 16.7% | 0.02% | vs |
| Bank of HydroBank Hydro, OK | 76 out of 100, Strong | $180.8M | 11.6% | 0.64% | vs |
| Bank of Western OklahomaBank Elk City, OK | 73 out of 100, Strong | $469.7M | 8.1% | 0.11% | vs |
| BancFirstBank Oklahoma City, OK | 71 out of 100, Strong | $12.8B | 10.6% | 1.19% | vs |
| High Plains BankBank Okeene, OK | 71 out of 100, Strong | $330.2M | 10.8% | 0.97% | vs |
| Southwest Bank of WeatherfordBank Weatherford, OK | 68 out of 100, Moderate | $86.0M | 13.5% | 2.47% | vs |