Headquartered in Tulsa, Oklahoma, Oklahoma Capital Bank is a state-chartered bank (fed member) with $196.3M in total assets and $159.8M in deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1963.
Based on its Q2 2026 filing, Oklahoma Capital Bank scores 69/100, which we describe as moderate. That is higher than only 40% of 2,650 banks with $100 million – $1 billion. Among 170 banks headquartered in Oklahoma, it ranks 91st. Its strongest component is problem-loan coverage (96/100; 1.8%), and its lowest is funding & liquidity (41/100; 100% loans-to-deposits, 32% 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 fell 5 points (74 → 69), mostly because the capital cushion component weakened by 16 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 49 |
| Q3 2024 | 70 |
| Q4 2024 | 65 |
| Q1 2025 | 78 |
| Q2 2025 | 74 |
| Q3 2025 | 73 |
| Q4 2025 | 69 |
| Q1 2026 | 68 |
| Q2 2026 | 69 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.34% |
| Q3 2024 | 12.70% |
| Q4 2024 | 11.76% |
| Q1 2025 | 12.58% |
| Q2 2025 | 12.02% |
| Q3 2025 | 11.92% |
| Q4 2025 | 10.57% |
| Q1 2026 | 10.31% |
| Q2 2026 | 10.39% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 3.38% |
| Q3 2024 | 0.97% |
| Q4 2024 | 1.28% |
| Q1 2025 | 0.31% |
| Q2 2025 | 0.31% |
| Q3 2025 | 0.35% |
| Q4 2025 | 0.33% |
| Q1 2026 | 0.32% |
| Q2 2026 | 0.30% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.95% |
| Q3 2024 | 1.06% |
| Q4 2024 | 1.13% |
| Q1 2025 | 1.35% |
| Q2 2025 | 1.20% |
| Q3 2025 | 1.19% |
| Q4 2025 | 1.25% |
| Q1 2026 | 1.31% |
| Q2 2026 | 1.29% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 69 | $196.3M | 10.39% | 0.30% | 1.29% | 100.4% |
| Q1 2026 | 68 | $181.9M | 10.31% | 0.32% | 1.31% | 99.2% |
| Q4 2025 | 69 | $176.3M | 10.57% | 0.33% | 1.25% | 100.6% |
| Q3 2025 | 73 | $168.3M | 11.92% | 0.35% | 1.19% | 91.6% |
| Q2 2025 | 74 | $162.2M | 12.02% | 0.31% | 1.20% | 93.4% |
| Q1 2025 | 78 | $156.8M | 12.58% | 0.31% | 1.35% | 89.7% |
| Q4 2024 | 65 | $144.3M | 11.76% | 1.28% | 1.13% | 91.2% |
| Q3 2024 | 70 | $148.1M | 12.70% | 0.97% | 1.06% | 87.9% |
| Q2 2024 | 49 | $146.4M | 12.34% | 3.38% | 0.95% | 87.8% |
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 |
|---|---|---|---|---|---|
| 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 |
| Oklahoma Bank and Trust CompanyBank Clinton, OK | 82 out of 100, Strong | $202.3M | 14.1% | 0.61% | vs |
| First Enterprise BankBank Oklahoma City, OK | 28 out of 100, Low | $189.7M | 10.8% | 6.33% | vs |
Deposit insurance
Is my money safe at Oklahoma Capital Bank?
Yes. Oklahoma Capital Bank is an FDIC-insured institution (FDIC certificate #18856). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 32.3% of deposits ($51.6M) 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 10.39%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
3 locations
Branches
Oklahoma Capital Bank lists 3 offices in 2 cities. Most locations:
- Tulsa, OK (2)
- Skiatook, OK (1)
Identity & history
Profile
- Legal name
- Oklahoma Capital Bank
- Former names
- First National Bank of Turley; First Bank of Turley; Freedom Bank of Oklahoma
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 18856
- RSSD ID
- 284154
- Primary regulator
- FED
- Holding company
- Sooner Sw Bankshares Inc
- Established
- August 10, 1963
- Headquarters
- 8080 S Yale Ave, Tulsa, OK 74136
- Website
- www.oklahomacapitalbank.com
- Employees
- 25
Quick answers
Oklahoma Capital Bank: common questions
Is Oklahoma Capital Bank FDIC insured?
Yes. Oklahoma Capital Bank is an FDIC-insured institution (FDIC certificate #18856). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Oklahoma Capital Bank's TellerScore?
69 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 Oklahoma Capital Bank ever failed?
There is no failure record for FDIC certificate #18856 in the FDIC failed bank list.
How many branches does Oklahoma Capital Bank have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Tulsa
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Bank of OwassoBank Owasso, OK | 93 out of 100, Very strong | $639.3M | 15.7% | 0.01% | vs |
| Saint Francis Employees Federal Credit UnionCredit union Tulsa, OK | 92 out of 100, Very strong | $44.7M | 15.9% | 0.20% | vs |
| The First National Bank and Trust Company of Broken ArrowBank Broken Arrow, OK | 89 out of 100, Very strong | $269.5M | 16.4% | 0.14% | vs |
| International Bank of CommerceBank Oklahoma City, OK | 88 out of 100, Very strong | $1.6B | 15.5% | 0.66% | vs |
| United Members Federal Credit UnionCredit union Tulsa, OK | 87 out of 100, Very strong | $10.4M | 18.6% | 0.15% | vs |
| Bank 7Bank Oklahoma City, OK | 86 out of 100, Very strong | $1.9B | 13.9% | 0.39% | vs |