# OKLAHOMA HERITAGE BANK
ROFF, OK · FDIC certificate 22855 · asset band <$300M · latest filing 2026-03 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $97.0M | |
| Deposits | $83.1M | |
| Loans and leases | $63.0M | |
| Total equity | $10.7M | |
| Loans / deposits | 74.89% (p55 of band) | 72.28% |
| Liquid assets / assets | 23.42% (p26 of band) | |
| Uninsured deposits / deposits | 25.06% (p69 of band) | 19.31% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p24 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.21% (p4 of band) | 11.62% |
| Unrealized securities loss / equity | -1.30% (p74 of band) | -7.15% |
| AOCI / equity | 0.13% (p94 of band) | |
| ROA (annualized) | 0.02% (p8 of band) | 1.12% |
| Net interest margin | 3.55% (p34 of band) | 3.86% |
| Efficiency ratio | 115.95% (p96 of band) | |
| Noncurrent loans | 0.27% (p46 of band) | 0.34% |
| Net charge-offs (annualized) | 0.04% (p82 of band) | |
| Reserve coverage of noncurrent | 463.16% | |
| Real estate % of loans | 52% | |
| Construction % of loans | 46.18% (p77 of band) | |
| Auto loans | $1.3M (2.03% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -1.8% | |
| Employees | 19 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | auto book souring |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | capital falling |  |
| 2011-12 | 1 |  | capital falling |
| 2012-03 | 1 |  |  |
| 2012-06 | 2 | capital falling |  |
| 2012-09 | 1 |  | capital falling |
| 2012-12 | 0 |  | auto book souring |
| 2013-03 | 1 | leverage <7% |  |
| 2013-06 | 0 |  | leverage <7% |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | charge-offs p90 |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 4 | capital falling, losing money, reserve under noncurrent |  |
| 2017-06 | 5 | noncurrent p90 |  |
| 2017-09 | 4 |  | capital falling |
| 2017-12 | 6 | deposits shrinking, assets shrinking, uninsured deposits leaving | noncurrent p90 |
| 2018-03 | 7 | expense ratio p90 |  |
| 2018-06 | 7 | noncurrent p90 | losing money |
| 2018-09 | 7 |  |  |
| 2018-12 | 5 |  | uninsured deposits leaving, expense ratio p90 |
| 2019-03 | 2 |  | deposits shrinking, assets shrinking, noncurrent p90 |
| 2019-06 | 3 | capital falling |  |
| 2019-09 | 2 |  | capital falling |
| 2019-12 | 1 |  | charge-offs p90 |
| 2020-03 | 0 |  | reserve under noncurrent |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | construction >100% equity |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | capital falling |  |
| 2022-06 | 3 | reserve under noncurrent |  |
| 2022-09 | 3 | charge-offs p90 | reserve under noncurrent |
| 2022-12 | 3 |  |  |
| 2023-03 | 4 | losing money, expense ratio p90 | charge-offs p90 |
| 2023-06 | 4 | noncurrent p90, reserve under noncurrent, uninsured deposits leaving | capital falling, losing money, expense ratio p90 |
| 2023-09 | 7 | losing money, charge-offs p90, deposits shrinking |  |
| 2023-12 | 6 |  | noncurrent p90 |
| 2024-03 | 6 | noncurrent p90, assets shrinking | losing money, charge-offs p90 |
| 2024-06 | 6 | brokered >10%, wholesale funding >15% | construction >100% equity, noncurrent p90 |
| 2024-09 | 6 |  |  |
| 2024-12 | 5 | charge-offs p90 | reserve under noncurrent, deposits shrinking |
| 2025-03 | 3 |  | uninsured deposits leaving, assets shrinking |
| 2025-06 | 2 | assets shrinking | brokered >10%, wholesale funding >15% |
| 2025-09 | 1 | losing money | charge-offs p90, assets shrinking |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 | expense ratio p90 | losing money |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-05-02 [Chickasaw Community Bank to acquire Oklahoma Heritage Bank - journalrecord.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxQb0NnZGhhYzBudkg3ak9QS0tjUDU5VWlMOUdJZ1NqRkhVWmJlS1dDRHBybThLZjc2UWk5LXlkc3d5TmtBTUZOZnVUWWMxOVVIaDNvQl9mZzVYTUJmS2EtbHo4TFp0UUlqWVY4RURocGFKbTdha21kOWtMZVFpbXZXUE1qeG1sUGdrZWt6WTlrUGVLX2hfb0xMeHd3?oc=5) · journalrecord.com
- 2025-05-08 [Chickasaw Banc announces plans to acquire Oklahoma Heritage Bank - The Ada News](https://news.google.com/rss/articles/CBMi7gFBVV95cUxPSjloSDEybTAyOU9KVzhJSUZMUk8xNm84OEUxM1dLbUV6RFZ5dWNBS1NFSGZIVENEOE4wTGNqd3lMS1ItTndMNVVoQWtoV1Y4MG5MR2Q0NEpQZ0ZHOWhTemJMMTFkOVVMZmdSZVRid2tHdlFzOW9OQzRFYkpJVERzd1V1NU5qcXRyeGZ3VDB0Zjh5SmEzZjRTcGNKejJLT19NUEdPak5vMjF2eXYxREhkSHR4aVlrTjhIWm5aNmlBVHpxZWxIVXN6VDQyUDBxS1lyM1JHYmhCWVlVR3I3MGpiVXdVSGdTbmFCUGVMOWh3?oc=5) · The Ada News
- 2025-10-02 [Governor Anoatubby leads Chickasaw Community Bank, Ada, ribbon cutting - Chickasaw Times](https://news.google.com/rss/articles/CBMivwFBVV95cUxPSE5ZdnVvelNKSV9DclpFMEY4cU9SVTdoVzd5ZTZldXU3dC1wZE5OVVpBTk5WYjJpTWVqWEZRdFJYS1o5Sm52WExRdEpGbGZCOC1Qdjl0NjJHWVhvRzRQUkVETGUwdUtCMnp4UGVFQ2R3bzcwM0xQdExBUURmZ245NG5OeldNSENDcEhmREhnMXIzQ3ZneXVjVWRHNGhWN1puZlI2ekctTy1pT0x1VGRqWlNsZTFobHV1YVBBRGY2RQ?oc=5) · Chickasaw Times
- 2021-01-14 [Oklahoma Heritage opens its new hometown bank in Ada - The Ada News](https://news.google.com/rss/articles/CBMi3gFBVV95cUxOTmVnOFpKcmw2bDJieXNZNDBONWM3UVFqc28zRERadHRkamxDQzNqUDJUNEZNS2sxM2d2eXlaTlVBcHFjYS1LSnFBZ2pKQk1KLUJ4X1EyMC1VcmxpRXZDYU1fZHBqZUdZUzJuakczc2Iyb2JGaWpvSlIwamUzSWdSY0UxTG9MRnE5Ri01M3dDaVdYdnYyYnNnT2RySnoxYmZfZHhtbzdOZ1J4MG0zOXZ5SXM5QTg0OVpmd0dBX2JPemNXcnFscHlQZ1FvZDl4c1B1WlFYODc5LWtQTmR0Q1E?oc=5) · The Ada News
- 2025-12-23 [Midwest banks targeted by $5.4M ATM jackpotting scheme - American Banker](https://news.google.com/rss/articles/CBMikwFBVV95cUxOemx0RWFFWlpTS0RBN3VuSkF0cW80alJvSGpjVlVNemxSLUczcXNZTzFIWkowN05YVUVFZDROUlFQaEdzc2c2bDFrUjZSUlJ1TVdzbDZGT2YwUG1fZHhWNUpvS2JYN0RGdXZaZWJIdGl4RFVMOXpFVjZPbDRpTWJwVnhRRU9hOVpIN0g3M2FFNVB1Vkk?oc=5) · American Banker
- 2022-03-12 [Old Glory Now Flies High at Oklahoma Heritage Bank - The Ada News](https://news.google.com/rss/articles/CBMi2wFBVV95cUxPODlYaG9tTFFnMFJkQzBaay1rSW9iTTMtSGhyVmlDUklpVENsTU9rVlBxUXl5cEl1MXQyNnVyMTBCUEhWLUV0REpCcTA0bDlqM0dNd1lqeDZ0NktseFBsZG9kUWhYWFFsdWdBYWhGT202SEI0Z09pNzNYaTZqbXRKa1BRb1RtNkJxZVkxbUw5UGlPV0hyejhsZ1hMXzJJaG12bWZtc01sTUpyOHRVSy1zWFYtWm1sUHAxRk1PV1pFVG1YamYxdVFUYTBCM1pSZk1WN2ZCUXdKN2cxSUU?oc=5) · The Ada News
- 2015-02-06 [McCurtain County banks changing name - journalrecord.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxOSE16Tk9VdURkekJ1V240aE9jNTNhM1hEQTQ2bEhzUUhyNEx2YTJDV3RiTHB2U1RCQUM0dW0xQzJMXzR1MUVYSVI5RXFIMU5pY3FiWFUzZzhBeGxVb2FiNGJ0a1VPYjBtWEMzWDEzY1ktcm5oVHNLMXR6Y2VObmVyQ0ZhbGxBZ05UOUE?oc=5) · journalrecord.com
- 2008-09-05 [Body found on Byng school campus - News 9](https://news.google.com/rss/articles/CBMijgFBVV95cUxOTlBXQllhaVAtOVBneThkaVYxaEtFX0p0NTBmY3hsWTR0bG9TeTZLVjFveVFMN29qZFRnNVlzR2x5WkZSTy1FLVlrTXBtQXk2bTZUWVlnRElUdnM1SXlXbGVfNTc4U293bjZ1WXBocl91cnRCeHd1TUk0cTlqOGZUeVBncXkxTUplNnZjaF9R?oc=5) · News 9

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=22855 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/7.json (key "22855", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide