Call reports 2025
OKLAHOMA CAPITAL BANK — 2025
What OKLAHOMA CAPITAL BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 156,828,000 | 162,161,000 | 168,256,000 | 176,252,000 |
| Total loans | 114,260,000 | 123,935,000 | 132,082,000 | 145,126,000 |
| Allowance for loan losses | 1,100,000 | 1,232,000 | 1,319,000 | 1,465,000 |
| Securities available for sale | 8,368,000 | 6,372,000 | 9,765,000 | 8,760,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 126,123,000 | 131,351,000 | 142,747,000 | 142,744,000 |
| Interest-bearing deposits | 105,418,000 | 112,157,000 | 120,420,000 | 117,747,000 |
| Noninterest-bearing deposits | 20,705,000 | 19,194,000 | 22,327,000 | 24,997,000 |
| Equity capital | 23,851,000 | 24,267,000 | 24,763,000 | 23,623,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 2,610,000 | 5,406,000 | 8,275,000 | 11,376,000 |
| Interest expense | 965,000 | 2,000,000 | 3,058,000 | 4,113,000 |
| Net interest income | 1,645,000 | 3,406,000 | 5,217,000 | 7,263,000 |
| Noninterest income | 179,000 | 220,000 | 250,000 | 316,000 |
| Noninterest expense | 1,048,000 | 2,097,000 | 3,122,000 | 4,205,000 |
| Provision for loan losses | 112,000 | 247,000 | 334,000 | 476,000 |
| Pretax income | 660,000 | 1,278,000 | 1,975,000 | 2,885,000 |
| Income tax | 151,000 | 352,000 | 569,000 | 866,000 |
| Net income | 509,000 | 926,000 | 1,406,000 | 2,019,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,715,000 | 18,140,000 | 18,630,000 | 17,503,000 |
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