Wisdom Heritage Bank
Alva, OK · Cert 9465 · Peer group: banks under $1B in assets in OK (n=88-89) · Grace Inv Co. Inc. Esop the
State charter, Fed member · FED · 6 branches
Q2 2026
$601.3MAssets
$305.5MLoans
$505.8MDeposits
$78.8MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in OK (rank 15 of 88).
- Widest gap: net interest margin trails 96% of banks under $1B in assets in OK (rank 85 of 89).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.83%
Rank 69 of 89
Net Interest Margin
2.90%
Rank 85 of 89
Efficiency Ratio
64.78%
Rank 52 of 89
Equity / Assets
13.11%
Rank 25 of 89
Non-interest income vs. expense
Unfavorable gap of $11.0M · efficiency ratio beats 43% of banks under $1B in assets in OK | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.83% | 0.85% | 1.26% | 1.60% | Beats 22% | 69 / 89 | | |
| Return on Equity | 6.34% | 7.40% | 11.89% | 14.65% | Beats 19% | 72 / 89 | | |
| Net Interest Margin | 2.90% | 3.46% | 3.93% | 4.45% | Beats 4% | 85 / 89 | | |
| Efficiency Ratio | 64.78% | 54.70% | 60.95% | 71.14% | Beats 43% | 52 / 89 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.28% | 0.30% | 0.82% | 2.25% | Beats 43% | 51 / 88 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.03% | 0.20% | Beats 100% | 15 / 88 | | |
| Capital |
| Tier 1 Capital Ratio | 20.69% | 10.89% | 13.00% | 16.33% | Beats 89% | 10 / 89 | | |
| Total Risk-Based Capital Ratio | 21.82% | 11.20% | 13.06% | 16.33% | Beats 90% | 9 / 89 | | |
| Equity / Assets | 13.11% | 9.26% | 10.94% | 13.52% | Beats 72% | 25 / 89 | | |
| Liquidity & Funding |
| Loans / Deposits | 60.39% | 61.51% | 72.27% | 84.01% | 24th pctl | 67 / 88 | | |
| Loans / Assets | 50.79% | 52.51% | 63.15% | 71.27% | 24th pctl | 68 / 89 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |