Local Bank
Hulbert, OK
IDRSSD: 815754
Total Assets
$412.45M
Latest filing
Total Deposits
$339.09M
Latest filing
Net Interest Margin
3.62%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Local Bank
385 E Main St
Hulbert, OK 74441
Full Service - Brick and Mortar
Updated 11/14/2025Established 12/01/1908FDIC Certificate 1543
Branches (4)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Local Bank (Main) | 385 E Main St | Hulbert, OK |
| PARK HILL BRANCH | 4715 S Muskogee Ave | Tahlequah, OK |
| PLAZA BRANCH | 125 E 1st St | Tahlequah, OK |
| GROVE BRANCH | 240 E 3rd St, Suite H | Grove, OK |
| SALLISAW BRANCH | 100 S Kerr Blvd | Sallisaw, OK |
Showing 4 of 4
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
Similar banks
Welch State Bank of Welch, Okla.
Welch, Oklahoma
→
Assets: $419.60MΔ -0.4%
The Citizens Bank of Edmond
Edmond, Oklahoma
→
Assets: $416.87MΔ -1.0%
Exchange Bank and Trust Company
Perry, Oklahoma
→
Assets: $411.58MΔ -2.3%
Bank of Western Oklahoma
Elk City, Oklahoma
→
Assets: $432.33MΔ +2.6%
Ameristate Bank
Atoka, Oklahoma
→
Assets: $446.78MΔ +6.1%
The City National Bank and Trust Company of Lawton, Oklahoma
Lawton, Oklahoma
→
Assets: $448.47MΔ +6.5%
Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 12/01/1908 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 74441 |
| State and County Number | 40021 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 10 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Tahlequah, OK |
Operational Info
| Number of Employees | 77 |
| Domestic Offices | 5 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/12/2024 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | localbank.com |
| Data Updated | 11/14/2025 |
| CERT | 2327 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $412.45M |
| Total Deposits | $339.09M |
| Total Liabilities | $365.31M |
| Total Equity Capital | $47.14M |
| Net Income | $466.00k |
| Net Loans and Leases | $312.95M |
| Assets Per Employee ($Millions) | $5.16M |
| Bank Premises and Fixed Assets | $25.34M |
| Cash and Balances due from Depository Institutions | $3.90M |
| Deposits Held in Domestic Offices | $339.09M |
Key Performance Ratios
| Return on Assets (ROA) | 0.45% |
| Return on Equity (ROE) | 3.97% |
| Net Interest Margin | 3.62% |
| Efficiency Ratio | 86.35% |
| Tier 1 Risk-Based Capital Ratio | 14.759% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.04% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.43% |
| Earning Assets to total Assets | 88.57% |
Income and Expense
| Total Interest Income | $5.93M |
| Total Noninterest Income | $354.00k |
| Total Interest Expense | $2.58M |
| Total Noninterest Expense | $3.20M |
| Net Interest Income | $3.35M |
| Pre-tax Net Operating Income | $466.00k |
| Provision for Credit Losses | $40.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $25.02M |
| Federal Funds Sold & Reverse Repurchase Agreement | $28.83M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.20M |
| Total Liabilities and Capital | $412.45M |
Securities
| Securities | $23.55M |
| Available-for-sale debt securities | $23.55M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Local Bank?
$412.45M as of the latest filing.
How much are Local Bank's total deposits?
$339.09M in total deposits.
Where is Local Bank located?
Hulbert, OK.
What is the Net Interest Margin?
3.62%.
How many domestic offices does it operate?
5.
When was it established?
12/01/1908.
What is the Return on Assets (ROA)?
0.45%.
How much are total loans and leases?
$312.95M (latest filing).
What is the total interest income (latest filing)?
$5.93M.