Oklahoma Heritage Bank

Oklahoma Heritage Bank is headquartered in Roff and is the 150^th largest bank in the state of Oklahoma. It is also the 5,503^rd largest bank in the nation. It was established in 1979 and as of March of 2012, it had grown to 27 employees at 3 locations. Oklahoma Heritage Bank has a 5-star health rating.

Data for Q1 2012

Institution Statistics Oklahoma Heritage Bank FDIC Certificate # 22855 BankRate Report View Year Established 1979 Employees 27 Primary Regulator FDIC Assets and Liabilities Assets $79.27 million Loans $50.38 million Deposits $72.10 million Equity Capital $5.51 million Loan Loss Allowance $790,000 Unbacked Noncurrent Loans $397,000 Historic Data - March 2011 Assets $63.87 million Equity Capital $4.91 million Loan Loss Allowance $713,000 Unbacked Noncurrent Loans $161,000 Real Estate Owned $31,000 Profit Margin - Quarterly Net Interest Margin 4.01% Return on Assets 0.82% Return on Equity 11.33% Interest Income $933,000

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Oklahoma Heritage Bank had $397,000 in non-current loans and owned real-estate with $6.3 million in equity and loan loss allowances on hand to cover it. This gives Oklahoma Heritage Bank a Texas Ratio of 6.31% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Oklahoma Heritage Bank held steady from 3.41% as of March 31, 2011 to 6.31% as of March 31, 2012, resulting in a negative change of 84.80%. This indicates that the balance sheet and financial strength for Oklahoma Heritage Bank has held steady in recent periods. Deposit Growth In the past year, Oklahoma Heritage Bank has increased its total deposits by $15.05 million, resulting in 26.38% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Oklahoma Heritage Bank has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Oklahoma Heritage Bank has $79.27 million in assets with $6.3 million in equity, resulting in a capitalization level of 7.94%, which is below average.

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