TellerScore

Wisdom Heritage Bank is a state-chartered bank (fed member) headquartered in Alva, Oklahoma, in business for about 125 years. At the end of Q2 2026 it reported $601.3M in total assets and $505.8M in deposits, with 6 offices across 2 states.

Based on its Q2 2026 filing, Wisdom Heritage Bank scores 78/100, which we describe as strong. That is higher than 72% of 2,650 banks with $100 million – $1 billion. Among 170 banks headquartered in Oklahoma, it ranks 51st. Its strongest component is funding & liquidity (95/100; 59% loans-to-deposits, 19% uninsured), and its lowest is loan quality (57/100; 1.28%).

TellerScore · Q2 2026

Scorecard

Capital cushion92/100
Tier 1 leverage ratio: 14.22%
Loan quality57/100
Noncurrent loans ÷ total loans: 1.28%
Earnings63/100
Return on assets (annualized): 1.06%
Funding & liquidity95/100
Loans ÷ deposits and uninsured-deposit share: 59.4% · 19.3% uninsured
Problem-loan coverage90/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 5.15%

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 (93 → 78), mostly because the earnings component weakened by 37 points.

TellerScore
698397Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202491
Q3 202492
Q4 202492
Q1 202596
Q2 202593
Q3 202597
Q4 202593
Q1 202669
Q2 202678
Tier 1 leverage ratio
5.00%10.61%16.21%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202414.53%
Q3 202414.71%
Q4 202414.10%
Q1 202515.10%
Q2 202515.81%
Q3 202516.21%
Q4 202513.68%
Q1 202613.77%
Q2 202614.22%
Noncurrent loans
0.26%1.27%2.28%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.50%
Q3 20240.79%
Q4 20240.33%
Q1 20250.34%
Q2 20250.75%
Q3 20250.29%
Q4 20250.26%
Q1 20262.28%
Q2 20261.28%
Return on assets
1.06%1.77%2.49%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.49%
Q3 20242.20%
Q4 20241.79%
Q1 20252.17%
Q2 20252.18%
Q3 20252.03%
Q4 20252.09%
Q1 20261.22%
Q2 20261.06%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202678$601.3M14.22%1.28%1.06%59.4%
Q1 202669$600.9M13.77%2.28%1.22%57.3%
Q4 202593$630.8M13.68%0.26%2.09%61.7%
Q3 202597$589.4M16.21%0.29%2.03%57.9%
Q2 202593$551.4M15.81%0.75%2.18%58.5%
Q1 202596$565.3M15.10%0.34%2.17%62.1%
Q4 202492$580.4M14.10%0.33%1.79%62.3%
Q3 202492$505.6M14.71%0.79%2.20%57.0%
Q2 202491$493.9M14.53%0.50%2.49%57.6%

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).

Capital ratio14.22%
83rd
Total risk-based capital21.82%
90th
Problem loans1.28%
22nd
Net charge-offs-0.09%
97th
Return on assets1.06%
38th
Net interest margin3.12%
13th
Efficiency ratio64.8%
43rd
Loans to deposits59.4%
83rd
Uninsured deposits19.3%
67th
Loan-loss reserves1.56%
82nd
Texas ratio5.2%
35th

Similar-size banks in Oklahoma

InstitutionScoreAssetsCapitalProblem loansCompare
Cattlemens BankBank Altus, OK68 out of 100, Moderate$595.2M10.3%0.29%vs
Frontier State BankBank Oklahoma City, OK47 out of 100, Below average$608.6M11.5%4.81%vs
All America BankBank Oklahoma City, OK43 out of 100, Below average$611.5M10.5%5.50%vs
AVB BankBank Broken Arrow, OK66 out of 100, Moderate$612.3M9.5%0.41%vs
First National Bank & Trust Company of McAlesterBank Mcalester, OK71 out of 100, Strong$580.4M10.9%1.34%vs
Panhandle First BankBank Guymon, OK56 out of 100, Moderate$568.7M13.0%2.34%vs

Deposit insurance

Is my money safe at Wisdom Heritage Bank?

Yes. Wisdom Heritage Bank is an FDIC-insured institution (FDIC certificate #9465). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 19.3% of deposits ($97.7M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 14.22%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 21.82% (benchmark: 10%).

Check how much of your own balance is covered

6 locations

Branches

Wisdom Heritage Bank lists 6 offices in 6 cities across 2 states. Most locations:

  • Alva, OK (1)
  • Burlington, OK (1)
  • Enid, OK (1)
  • Freedom, OK (1)
  • Kiowa, KS (1)
  • Okeene, OK (1)

All branch addresses and map

Identity & history

Profile

Legal name
Wisdom Heritage Bank
Former names
Alva State Bank & Trust Company
Type
State-chartered bank (Fed member)
FDIC certificate #
9465
RSSD ID
246956
Primary regulator
FED
Holding company
Grace Inv Co Inc Esop the
Established
September 10, 1901
Headquarters
518 College Ave, Alva, OK 73717
Employees
76

Quick answers

Wisdom Heritage Bank: common questions

Is Wisdom Heritage Bank FDIC insured?

Yes. Wisdom Heritage Bank is an FDIC-insured institution (FDIC certificate #9465). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Wisdom Heritage Bank's TellerScore?

78 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 Wisdom Heritage Bank ever failed?

There is no failure record for FDIC certificate #9465 in the FDIC failed bank list.

How many branches does Wisdom Heritage Bank have?

6 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Alva

InstitutionScoreAssetsCapitalProblem loansCompare
CorebankBank Waynoka, OK83 out of 100, Strong$122.1M11.8%0.00%vs
Cleo State BankBank Cleo Springs, OK80 out of 100, Strong$122.5M16.4%2.12%vs
High Plains BankBank Okeene, OK71 out of 100, Strong$330.2M10.8%0.97%vs
The Hopeton State BankBank Hopeton, OK66 out of 100, Moderate$30.8M11.3%0.00%vs
ACB BankBank Cherokee, OK64 out of 100, Moderate$135.5M12.2%1.77%vs
Dream First Bank, National AssociationBank Syracuse, KS55 out of 100, Moderate$963.7M9.7%1.86%vs