Oklahoma Heritage Bank
Roff, OK
IDRSSD: 709956
Total Assets
$105.18M
Latest filing
Total Deposits
$84.27M
Latest filing
Net Interest Margin
4.07%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
103102326ROFF, OK
Key People
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Locations
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Main Office
Oklahoma Heritage Bank
515 S Hickory
Roff, OK 74865
Full Service - Brick and Mortar
Updated 01/30/2026Established 05/07/1979FDIC Certificate 15969
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Oklahoma Heritage Bank (Main) | 515 S Hickory | Roff, OK |
| BYNG BRANCH | 101 N Main St | Ada, OK |
| STRATFORD BRANCH | 300 W Smith | Stratford, OK |
| ADA BRANCH | 1100 Lonnie Abbott Blvd | Ada, OK |
Showing 3 of 3
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 | 05/07/1979 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 74865 |
| State and County Number | 40123 |
| Subchapter S Corporations | Yes |
| 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 | Ada, OK |
Operational Info
| Number of Employees | 19 |
| Domestic Offices | 4 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 09/18/2025 |
| Date of Deposit Insurance | 05/07/1979 |
| Primary Insurance Agency | DIF |
| Website | www.okheritage.com |
| Data Updated | 01/30/2026 |
| CERT | 22855 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $105.18M |
| Total Deposits | $84.27M |
| Total Liabilities | $94.50M |
| Total Equity Capital | $10.68M |
| Net Income | $37.00k |
| Net Loans and Leases | $63.87M |
| Assets Per Employee ($Millions) | $6.19M |
| Bank Premises and Fixed Assets | $7.19M |
| Cash and Balances due from Depository Institutions | $0 |
| Deposits Held in Domestic Offices | $84.27M |
Key Performance Ratios
| Return on Assets (ROA) | 0.14% |
| Return on Equity (ROE) | 1.39% |
| Net Interest Margin | 4.07% |
| Efficiency Ratio | 84.81% |
| Tier 1 Risk-Based Capital Ratio | 10.817% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.03% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.158% |
| Earning Assets to total Assets | 86.64% |
Income and Expense
| Total Interest Income | $1.44M |
| Total Noninterest Income | $97.00k |
| Total Interest Expense | $508.00k |
| Total Noninterest Expense | $960.00k |
| Net Interest Income | $930.00k |
| Pre-tax Net Operating Income | $60.00k |
| Provision for Credit Losses | $7.00k |
| 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 | $7.06M |
| Federal Funds Sold & Reverse Repurchase Agreement | $9.26M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $3.18M |
| Total Liabilities and Capital | $105.18M |
Securities
| Securities | $8.18M |
| Available-for-sale debt securities | $8.18M |
| 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 Oklahoma Heritage Bank?
$105.18M as of the latest filing.
How much are Oklahoma Heritage Bank's total deposits?
$84.27M in total deposits.
Where is Oklahoma Heritage Bank located?
Roff, OK.
What is the Net Interest Margin?
4.07%.
How many domestic offices does it operate?
4.
When was it established?
05/07/1979.
What is the Return on Assets (ROA)?
0.14%.
How much are total loans and leases?
$63.87M (latest filing).
What is the total interest income (latest filing)?
$1.44M.