Oklahoma State Bank

Overview / Commentary

www.osb.bank

405-260-2265

2610 South Division Avenue
Guthrie, OK 73044

Oklahoma State Bank is headquartered in Guthrie and is the 95^th largest bank in the state of Oklahoma. It is also the 3,025^th largest bank in the nation. It was established in 1909 and as of June of 2022, it had grown to 49 employees at 6 locations. Oklahoma State Bank's money market rates are 4X 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 Q2 2022

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	5994
Year Established	1909
Employees	49
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.98%
Return on Equity - YTD	8.01%
Annual Interest Income	$4.6MM

Assets and Liabilities
Assets	Q2 2022vs Q2 2021	$211.0MM$201.2MM
Loans	Q2 2022vs Q2 2021	$176.6MM$151.0MM
Deposits	Q2 2022vs Q2 2021	$176.8MM$178.9MM
Equity Capital	Q2 2022vs Q2 2021	$25.5MM$21.9MM
Loan Loss Allowance	Q2 2022vs Q2 2021	$1.8MM$1.9MM
Unbacked Noncurrent Loans	Q2 2022vs Q2 2021	$1.5MM$920.00K
Real Estate Owned	Q2 2022vs Q2 2021	$0$0

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
1.00%	-	-	Youth Saving
0.40%	-	-	Personal Savings

Oklahoma State Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
1.55%^*	$250k^*	-	The Money Market Account
OTHER TIERS: 1.00% → $2.5k - $25k \| 1.25% → $25k - $100k \| 1.40% → $100k - $250k
1.50%^*	$250k^*	-	Business Tiered Money Market Account
OTHER TIERS: 1.00% → $2.5k - $25k \| 1.25% → $25k - $100k \| 1.40% → $100k - $250k

Oklahoma State Bank Checking Account Rates

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

Oklahoma State Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
3.40%^*	$50k^*	-	18 Month CD
OTHER TIERS: 3.25% → $1k - $50k
3.33%^*	$50k^*	-	13 Month CD Special
OTHER TIERS: 3.23% → $1k - $50k
2.75%	$1k	-	5 Year CD
2.70%	$1k	-	4 Year CD
2.65%	$1k	-	3 Year CD
2.60%^*	$50k^*	-	2 Year CD
OTHER TIERS: 2.50% → $1k - $50k
1.80%^*	$50k^*	-	1 Year CD
OTHER TIERS: 1.65% → $1k - $50k
1.60%^*	$50k^*	-	6 Month CD
OTHER TIERS: 1.50% → $1k - $50k
1.20%^*	$50k^*	-	3 Month CD
OTHER TIERS: 1.10% → $1k - $50k
0.85%^*	$50k^*	-	1 Month CD
OTHER TIERS: 0.75% → $1k - $50k

Oklahoma State Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.50%	$1k	-	2 Year IRA
1.65%	$1k	-	1 Year IRA

Locations

Oklahoma State Bank Locations
Oklahoma State Bank	2610 S Division St	Guthrie, OK 73044
Norman	2122 West Main Street	Norman, OK 73069
Mulhall Branch	Main and Sullivan Streets	Mulhall, OK 73063
Edmond Branch	2411 South Kelly Avenue, Suite 100	Edmond, OK 73013
Oklahoma City Branch	1220 N. Robinson Ave, Ste B	Oklahoma City, OK 73103

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