TellerScore

Oklahoma State Bank (FDIC certificate #13416) is based in Buffalo, Oklahoma. Its Q2 2026 call report shows $66.7M in total assets and $59.5M in deposits and 2 offices.

Oklahoma State Bank has a TellerScore of 69 out of 100 (moderate) based on Q2 2026 data — higher than only 37% of its 546 banks with under $100 million in assets. Among 170 banks headquartered in Oklahoma, it ranks 93rd. Earnings contributes the most (100/100, 2.88%); loan quality contributes the least (51/100, 1.47%).

TellerScore · Q2 2026

Scorecard

Capital cushion54/100
Tier 1 leverage ratio: 10.36%
Loan quality51/100
Noncurrent loans ÷ total loans: 1.47%
Earnings100/100
Return on assets (annualized): 2.88%
Funding & liquidity81/100
Loans ÷ deposits and uninsured-deposit share: 78.9% · 13.0% uninsured
Problem-loan coverage81/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 9.38%

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 15 points (84 → 69), mostly because the loan quality component weakened by 46 points.

TellerScore
697784Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202482
Q3 202484
Q4 202478
Q1 202582
Q2 202584
Q3 202584
Q4 202581
Q1 202682
Q2 202669
Tier 1 leverage ratio
5.00%8.32%11.65%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.05%
Q3 202411.65%
Q4 202410.64%
Q1 202510.67%
Q2 202510.46%
Q3 202511.02%
Q4 202510.13%
Q1 202610.17%
Q2 202610.36%
Noncurrent loans
0.07%0.77%1.47%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.29%
Q3 20240.28%
Q4 20240.53%
Q1 20250.23%
Q2 20250.10%
Q3 20250.14%
Q4 20250.08%
Q1 20260.07%
Q2 20261.47%
Return on assets
2.84%3.09%3.34%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20243.18%
Q3 20243.34%
Q4 20243.31%
Q1 20252.99%
Q2 20253.14%
Q3 20253.12%
Q4 20253.09%
Q1 20262.84%
Q2 20262.88%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202669$66.7M10.36%1.47%2.88%78.9%
Q1 202682$67.4M10.17%0.07%2.84%77.2%
Q4 202581$63.8M10.13%0.08%3.09%86.2%
Q3 202584$63.2M11.02%0.14%3.12%78.5%
Q2 202584$65.9M10.46%0.10%3.14%70.5%
Q1 202582$64.7M10.67%0.23%2.99%77.9%
Q4 202478$59.4M10.64%0.53%3.31%86.4%
Q3 202484$59.6M11.65%0.28%3.34%79.1%
Q2 202482$59.8M11.05%0.29%3.18%80.6%

546 peers · Under $100 million in assets

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 ratio10.36%
22nd
Total risk-based capital15.28%
62nd
Problem loans1.47%
26th
Net charge-offs0.10%
17th
Return on assets2.88%
97th
Net interest margin5.81%
97th
Efficiency ratio53.0%
86th
Loans to deposits78.9%
31st
Uninsured deposits13.0%
62nd
Loan-loss reserves0.79%
18th
Texas ratio9.4%
20th

Similar-size banks in Oklahoma

InstitutionScoreAssetsCapitalProblem loansCompare
Community Bank of OklahomaBank Verden, OK63 out of 100, Moderate$67.3M12.1%1.83%vs
Latimer State BankBank Wilburton, OK90 out of 100, Very strong$65.5M25.0%0.83%vs
Fairview Savings and Loan AssociationBank Fairview, OK92 out of 100, Very strong$65.1M20.8%0.00%vs
Washita Valley BankBank Fort Cobb, OK52 out of 100, Below average$68.8M12.3%8.23%vs
First Bank of ThomasBank Thomas, OK64 out of 100, Moderate$63.2M12.6%2.29%vs
Walters Bank and Trust CompanyBank Walters, OK99 out of 100, Very strong$70.3M20.0%0.06%vs

Deposit insurance

Is my money safe at Oklahoma State Bank?

Yes. Oklahoma State Bank is an FDIC-insured institution (FDIC certificate #13416). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 13.0% of deposits ($7.7M) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.36%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.28% (benchmark: 10%).

Check how much of your own balance is covered

2 locations

Branches

Oklahoma State Bank lists 2 offices in 2 cities. Most locations:

  • Buffalo, OK (1)
  • Gage, OK (1)

All branch addresses and map

Identity & history

Profile

Legal name
Oklahoma State Bank
Type
State-chartered bank
FDIC certificate #
13416
RSSD ID
324256
Primary regulator
FDIC
Holding company
Buffalo Bancshares Inc
Established
February 10, 1930
Headquarters
122 South Hoy St, Buffalo, OK 73834
Employees
15

Quick answers

Oklahoma State Bank: common questions

Is Oklahoma State Bank FDIC insured?

Yes. Oklahoma State Bank is an FDIC-insured institution (FDIC certificate #13416). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Oklahoma State 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 State Bank ever failed?

There is no failure record for FDIC certificate #13416 in the FDIC failed bank list.

How many branches does Oklahoma State Bank have?

2 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Buffalo

InstitutionScoreAssetsCapitalProblem loansCompare
Security State BankBank Cheyenne, OK77 out of 100, Strong$279.5M10.7%0.67%vs