Wisdom Heritage Bank
Alva, Oklahoma, Woods County
$601M in total assets, the 1,579th largest of 4,309 US banks and 45th of 171 headquartered in Oklahoma.
- FDIC certificate
- 9465
- Established
- 1901
- Owned by
- Grace Inv Co Inc Esop The
- Primary regulator
- FED
- Website
- www.wisdomheritage.bank
At a glance
Compared with 105 banks headquartered in Oklahoma with $100 million to $1 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $601M | 82% | $317M | |
| Loans | $305M | 68% | $199M | |
| Deposits | $506M | 83% | $269M | |
| Return on assets | 1.56% | 54% | 1.39% | |
| Net interest margin | 3.12% | 2% | 4.21% | |
| Efficiency ratio | 64.8% | 63% | 60.8% | |
| Equity to assets | 13.11% | 81% | 10.25% | |
| Loans to deposits | 60% | 12% | 80% |
Growth
Total assets grew 6.9% a year over the last 5 years and 6.7% a year over 10 years, including 2 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Oct 2024 | First National Bank in Okeene Okeene, OK, an affiliate under the same holding company | $84M |
| Feb 2018 | The First State Bank, Kiowa, Kansas Kiowa, KS, an affiliate under the same holding company | $64M |
| Jun 2014 | The Freedom State Bank Freedom, OK | $23M |
| Mar 1992 | Chisholm Federal Savings Association Kingfisher, OK | $135M |
| Aug 1991 | State Federal Savings Association Tulsa, OK | $218M |
Where they operate
6 branches in 5 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Woods County, OK | $321M | 50.1% | 1 of 5 |
| Barber County, KS | $65M | 34.6% | 2 of 3 |
| Garfield County, OK | $52M | 0.9% | 8 of 14 |
| Blaine County, OK | $47M | 10.0% | 5 of 6 |
| Alfalfa County, OK | $20M | 6.3% | 4 of 6 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 2 branches since 2016 (4 to 6, +50.0%). 0 opened, 2 acquired, 0 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 4 | |||
| 2018 | Acquired The First State Bank, Kiowa, Kansas | 1 | 0 | +1 | 5 |
| 2024 | Acquired First National Bank in Okeene | 1 | 0 | +1 | 6 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 35% | 27% | |
| Agricultural | 33% | 7% | |
| Farmland | 15% | 8% | |
| Business (C&I) | 6% | 14% | |
| Construction and land | 6% | 9% | |
| 1-4 family residential | 2% | 25% | |
| Consumer | 1% | 4% | |
| Multifamily | 0% | 2% | |
| Other | 1% | 3% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Time deposits | 45% | 34% | |
| Other interest-bearing | 29% | 43% | |
| Noninterest-bearing | 26% | 23% |
Brokered deposits are 8.7% of deposits (peers 5.2%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 1.28% | 0.67% |
| Net charge-offs, annualized | -0.09% | 0.02% |
| Reserves to loans | 1.56% | 1.33% |
| Leverage ratio | 14.22% | 10.77% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Oklahoma
Largest competitors in Woods County, OK
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/wisdom-heritage