Headquartered in Seiling, Oklahoma, The Seiling State Bank is a state-chartered bank with $195.0M in total assets and $175.2M in deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1901.
The Seiling State Bank has a TellerScore of 79 out of 100 (strong) based on Q2 2026 data — higher than 75% of its 2,650 banks with $100 million – $1 billion. Among 170 banks headquartered in Oklahoma, it ranks 48th. Loan quality contributes the most (100/100, 0.00%); capital cushion contributes the least (55/100, 10.54%).
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 9 points (70 → 79), mostly because the earnings component improved by 23 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 66 |
| Q3 2024 | 65 |
| Q4 2024 | 62 |
| Q1 2025 | 67 |
| Q2 2025 | 70 |
| Q3 2025 | 70 |
| Q4 2025 | 54 |
| Q1 2026 | 79 |
| Q2 2026 | 79 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.26% |
| Q3 2024 | 9.28% |
| Q4 2024 | 9.47% |
| Q1 2025 | 9.43% |
| Q2 2025 | 9.62% |
| Q3 2025 | 9.59% |
| Q4 2025 | 9.63% |
| Q1 2026 | 10.24% |
| Q2 2026 | 10.54% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.22% |
| Q3 2024 | 0.26% |
| Q4 2024 | 0.56% |
| Q1 2025 | 0.45% |
| Q2 2025 | 0.17% |
| Q3 2025 | 0.15% |
| Q4 2025 | 0.44% |
| Q1 2026 | 0.17% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.75% |
| Q3 2024 | 0.78% |
| Q4 2024 | 0.70% |
| Q1 2025 | 1.09% |
| Q2 2025 | 1.03% |
| Q3 2025 | 1.03% |
| Q4 2025 | -1.20% |
| Q1 2026 | 2.16% |
| Q2 2026 | 1.60% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 79 | $195.0M | 10.54% | 0.00% | 1.60% | 78.3% |
| Q1 2026 | 79 | $200.7M | 10.24% | 0.17% | 2.16% | 75.4% |
| Q4 2025 | 54 | $196.3M | 9.63% | 0.44% | -1.20% | 79.6% |
| Q3 2025 | 70 | $211.1M | 9.59% | 0.15% | 1.03% | 68.9% |
| Q2 2025 | 70 | $189.8M | 9.62% | 0.17% | 1.03% | 70.3% |
| Q1 2025 | 67 | $191.3M | 9.43% | 0.45% | 1.09% | 71.3% |
| Q4 2024 | 62 | $191.9M | 9.47% | 0.56% | 0.70% | 73.4% |
| Q3 2024 | 65 | $184.5M | 9.28% | 0.26% | 0.78% | 66.7% |
| Q2 2024 | 66 | $188.4M | 9.26% | 0.22% | 0.75% | 65.1% |
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 Farmers State BankBank Quinton, OK | 70 out of 100, Strong | $193.9M | 9.3% | 0.79% | vs |
| Oklahoma Capital BankBank Tulsa, OK | 69 out of 100, Moderate | $196.3M | 10.4% | 0.30% | 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 |
| First Enterprise BankBank Oklahoma City, OK | 28 out of 100, Low | $189.7M | 10.8% | 6.33% | vs |
| The Bank of Beaver CityBank Beaver, OK | 60 out of 100, Moderate | $188.6M | 8.7% | 1.34% | vs |
Deposit insurance
Is my money safe at The Seiling State Bank?
Yes. The Seiling State Bank is an FDIC-insured institution (FDIC certificate #4193). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 27.7% of deposits ($48.5M) 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 10.54%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.00% (benchmark: 10%).
2 locations
Branches
The Seiling State Bank lists 2 offices in 2 cities. Most locations:
- Seiling, OK (1)
- Woodward, OK (1)
Identity & history
Profile
- Legal name
- The Seiling State Bank
- Former names
- The First National Bank of Seiling
- Type
- State-chartered bank
- FDIC certificate #
- 4193
- RSSD ID
- 313157
- Primary regulator
- FDIC
- Holding company
- Seiling Bancshares Inc
- Established
- January 1, 1901
- Headquarters
- 301 N Main St, Seiling, OK 73663
- Website
- www.seilingsb.com
- Employees
- 26
Quick answers
The Seiling State Bank: common questions
Is The Seiling State Bank FDIC insured?
Yes. The Seiling State Bank is an FDIC-insured institution (FDIC certificate #4193). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Seiling State Bank's TellerScore?
79 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 The Seiling State Bank ever failed?
There is no failure record for FDIC certificate #4193 in the FDIC failed bank list.
How many branches does The Seiling State Bank have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Seiling
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bank 7Bank Oklahoma City, OK | 86 out of 100, Very strong | $1.9B | 13.9% | 0.39% | vs |
| Community State Bank of CantonBank Canton, OK | 83 out of 100, Strong | $73.0M | 12.9% | 0.34% | vs |
| Bank of Western OklahomaBank Elk City, OK | 73 out of 100, Strong | $469.7M | 8.1% | 0.11% | vs |
| Stride Bank, National AssociationBank Enid, OK | 69 out of 100, Moderate | $5.4B | 8.4% | 0.48% | vs |
| Great Plains National BankBank Elk City, OK | 62 out of 100, Moderate | $1.9B | 9.4% | 1.33% | vs |
| Bank of ViciBank Vici, OK | 30 out of 100, Low | $28.9M | 10.2% | 12.31% | vs |