Oklahoma State Bank

Overview / Commentary

www.osbbank.com

405-260-2265

2610 South Division Avenue
Guthrie, OK 73044

Oklahoma State Bank is headquartered in Guthrie and is the 105^th largest bank in the state of Oklahoma. It is also the 3,550^th largest bank in the nation. It was established in 1909 and as of December of 2018, it had grown to 31 employees at 4 locations. Oklahoma State Bank's money market rates are 5X the national average, and it has a B+ health rating.

Reviews (1)

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23 Month 3.23% Cd ....Very Easy With OSB

Posted by: steve_okc | Feb 3, 2019

This bank is very friendly...It was easy & quick when we walked in to open several cds.... They set up all the paperwork for you on the spot....We went to the Norman location & no need to open a checking or savings account, they will ACH your monthly interest to any account you want or send a monthly check.

This is how banks used to be 30 years ago..Very impressed.

Comment

Health

B+

Data as of Q4 2018

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	5994
Year Established	1909
Employees	31
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	-0.58%
Return on Equity - YTD	-4.77%
Annual Interest Income	$6.6MM

Assets and Liabilities
Assets	Q4 2018vs Q4 2017	$139.7MM$151.4MM
Loans	Q4 2018vs Q4 2017	$115.4MM$129.9MM
Deposits	Q4 2018vs Q4 2017	$120.4MM$132.1MM
Equity Capital	Q4 2018vs Q4 2017	$18.8MM$18.0MM
Loan Loss Allowance	Q4 2018vs Q4 2017	$1.6MM$1.4MM
Unbacked Noncurrent Loans	Q4 2018vs Q4 2017	$2.4MM$3.1MM
Real Estate Owned	Q4 2018vs Q4 2017	$22.00K$96.00K

Rates

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Savings
Money Market
Checking
CD
IRA

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Always verify rates and promotions with the bank or credit union. We are not Oklahoma State Bank; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Oklahoma State Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.52%	-	-	Youth Saving
0.50%	-	-	Personal Savings

Oklahoma State Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
2.02%^*	$250k^*	-	Premier Money Fund (MMDA)
OTHER TIERS: 0.75% → $2.5k - $25k \| 1.26% → $25k - $100k \| 1.76% → $100k - $250k
1.75%^*	$250k^*	-	Business Money Market Account
OTHER TIERS: 0.50% → $2.5k - $25k \| 1.00% → $25k - $100k \| 1.50% → $100k - $250k

Oklahoma State Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
2.17%^*	-	$25k	Interest Plus Checking
OTHER TIERS: 0.25% → $25k+
0.40%^*	$2.5k^*	-	Interest Checking
OTHER TIERS: 0.20% → Up to $2.5k

Oklahoma State Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.47%	$1k	-	14 Month CD
2.40%	$1k	-	5 Year CD
2.39%	$1k	-	3 Year CD
2.39%	$1k	-	4 Year CD
2.38%	$1k	-	2 Year CD
2.22%	$1k	-	1 Year CD
2.12%	$1k	-	6 Month CD
1.94%	$1k	-	3 Month CD
1.84%	$1k	-	1 Month CD

Oklahoma State Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.38%	$1k	-	2 Year IRA
2.22%	$1k	-	1 Year IRA

Locations

Oklahoma State Bank Locations
Oklahoma State Bank	2610 South Division Avenue	Guthrie, OK 73044
Norman	2122 West Main Street	Norman, OK 73069
Mulhall Branch	Main and Sullivan Streets	Mulhall, OK 73063

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