Local Bank
Hulbert, OK
IDRSSD: 815754
Total Assets
$429.03M
Latest filing
Total Deposits
$361.27M
Latest filing
Net Interest Margin
3.83%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
103107839HULBERT, OK
Key People
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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 01/30/2026Established 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
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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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 | 80 |
| 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 | 01/30/2026 |
| CERT | 2327 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $429.03M |
| Total Deposits | $361.27M |
| Total Liabilities | $381.92M |
| Total Equity Capital | $47.11M |
| Net Income | $268.00k |
| Net Loans and Leases | $325.42M |
| Assets Per Employee ($Millions) | $4.66M |
| Bank Premises and Fixed Assets | $26.82M |
| Cash and Balances due from Depository Institutions | $3.42M |
| Deposits Held in Domestic Offices | $361.27M |
Key Performance Ratios
| Return on Assets (ROA) | 0.25% |
| Return on Equity (ROE) | 2.27% |
| Net Interest Margin | 3.83% |
| Efficiency Ratio | 93.12% |
| Tier 1 Risk-Based Capital Ratio | 14.245% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.981% |
| Earning Assets to total Assets | 88.78% |
Income and Expense
| Total Interest Income | $6.19M |
| Total Noninterest Income | $326.00k |
| Total Interest Expense | $2.63M |
| Total Noninterest Expense | $3.63M |
| Net Interest Income | $3.57M |
| Pre-tax Net Operating Income | $268.00k |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $19.19M |
| Federal Funds Sold & Reverse Repurchase Agreement | $36.09M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.46M |
| Total Liabilities and Capital | $429.03M |
Securities
| Securities | $19.39M |
| Available-for-sale debt securities | $19.39M |
| Equity securities with readily determinable fair values not held for trading | — |
| 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?
$429.03M as of the latest filing.
How much are Local Bank's total deposits?
$361.27M in total deposits.
Where is Local Bank located?
Hulbert, OK.
What is the Net Interest Margin?
3.83%.
How many domestic offices does it operate?
5.
When was it established?
12/01/1908.
What is the Return on Assets (ROA)?
0.25%.
How much are total loans and leases?
$325.42M (latest filing).
What is the total interest income (latest filing)?
$6.19M.