The Hopeton State Bank is a state-chartered bank headquartered in Hopeton, Oklahoma, in business for about 107 years. At the end of Q2 2026 it reported $30.8M in total assets and $24.9M in deposits, with 1 office.
The Hopeton State Bank has a TellerScore of 66 out of 100 (moderate) based on Q2 2026 data — higher than only 28% of its 546 banks with under $100 million in assets. Among 170 banks headquartered in Oklahoma, it ranks 107th. Loan quality contributes the most (100/100, 0.00%); earnings contributes the least (0/100, -0.79%).
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 8 points (74 → 66), mostly because the funding & liquidity component weakened by 21 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 70 |
| Q3 2024 | 69 |
| Q4 2024 | 49 |
| Q1 2025 | 66 |
| Q2 2025 | 74 |
| Q3 2025 | 69 |
| Q4 2025 | 76 |
| Q1 2026 | 66 |
| Q2 2026 | 66 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.00% |
| Q3 2024 | 10.26% |
| Q4 2024 | 10.63% |
| Q1 2025 | 10.75% |
| Q2 2025 | 13.02% |
| Q3 2025 | 11.30% |
| Q4 2025 | 11.42% |
| Q1 2026 | 11.41% |
| Q2 2026 | 11.32% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 2.24% |
| Q1 2025 | 0.19% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.29% |
| Q3 2024 | -0.12% |
| Q4 2024 | -0.09% |
| Q1 2025 | -0.42% |
| Q2 2025 | -0.85% |
| Q3 2025 | -0.58% |
| Q4 2025 | 0.30% |
| Q1 2026 | -0.89% |
| Q2 2026 | -0.79% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 66 | $30.8M | 11.32% | 0.00% | -0.79% | 81.3% |
| Q1 2026 | 66 | $31.2M | 11.41% | 0.00% | -0.89% | 82.2% |
| Q4 2025 | 76 | $31.6M | 11.42% | 0.00% | 0.30% | 53.5% |
| Q3 2025 | 69 | $31.5M | 11.30% | 0.00% | -0.58% | 49.4% |
| Q2 2025 | 74 | $30.5M | 13.02% | 0.00% | -0.85% | 53.2% |
| Q1 2025 | 66 | $26.5M | 10.75% | 0.19% | -0.42% | 56.6% |
| Q4 2024 | 49 | $26.4M | 10.63% | 2.24% | -0.09% | 56.2% |
| Q3 2024 | 69 | $27.6M | 10.26% | 0.00% | -0.12% | 54.7% |
| Q2 2024 | 70 | $26.1M | 11.00% | 0.00% | -0.29% | 57.4% |
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).
Similar-size banks in Oklahoma
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bank of ViciBank Vici, OK | 30 out of 100, Low | $28.9M | 10.2% | 12.31% | vs |
| First Summit BankBank Ryan, OK | 55 out of 100, Moderate | $33.8M | 13.7% | 7.11% | vs |
| First American BankBank Stonewall, OK | 82 out of 100, Strong | $34.3M | 13.1% | 0.67% | vs |
| First State Bank in TempleBank Temple, OK | 64 out of 100, Moderate | $26.4M | 22.2% | 8.60% | vs |
| The First National Bank of FletcherBank Fletcher, OK | 65 out of 100, Moderate | $23.4M | 9.9% | 1.07% | vs |
| Farmers and Merchants BankBank Maysville, OK | 71 out of 100, Strong | $22.0M | 10.9% | 1.61% | vs |
Deposit insurance
Is my money safe at The Hopeton State Bank?
Yes. The Hopeton State Bank is an FDIC-insured institution (FDIC certificate #12585). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 7.9% of deposits ($2.0M) 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 11.32%, 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%).
1 location
Branches
The Hopeton State Bank lists 1 office in 1 city. Most locations:
- Hopeton, OK (1)
Identity & history
Profile
- Legal name
- The Hopeton State Bank
- Former names
- Hopeton State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 12585
- RSSD ID
- 877958
- Primary regulator
- FDIC
- Holding company
- One America Bcorp Inc
- Established
- January 1, 1919
- Headquarters
- 19495 County Rd 440, Hopeton, OK 73746
- Website
- hopetonbank.com
- Employees
- 9
Quick answers
The Hopeton State Bank: common questions
Is The Hopeton State Bank FDIC insured?
Yes. The Hopeton State Bank is an FDIC-insured institution (FDIC certificate #12585). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Hopeton State 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 The Hopeton State Bank ever failed?
There is no failure record for FDIC certificate #12585 in the FDIC failed bank list.
How many branches does The Hopeton State Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Hopeton
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| CorebankBank Waynoka, OK | 83 out of 100, Strong | $122.1M | 11.8% | 0.00% | vs |
| Cleo State BankBank Cleo Springs, OK | 80 out of 100, Strong | $122.5M | 16.4% | 2.12% | vs |
| Wisdom Heritage BankBank Alva, OK | 78 out of 100, Strong | $601.3M | 14.2% | 1.28% | vs |
| High Plains BankBank Okeene, OK | 71 out of 100, Strong | $330.2M | 10.8% | 0.97% | vs |
| ACB BankBank Cherokee, OK | 64 out of 100, Moderate | $135.5M | 12.2% | 1.77% | vs |
| Dream First Bank, National AssociationBank Syracuse, KS | 55 out of 100, Moderate | $963.7M | 9.7% | 1.86% | vs |