Wisdom Heritage Bank
Total assets
$601.3M
▲ +9.1% YoY
Deposits
$505.8M
▲ +8.2% YoY
Loans
$300.7M
▲ +9.9% YoY
Offices
6
GRACE INV CO INC ESOP THE
ROA (annualized)
1.06%
peers 1.28%
ROE (annualized)
8.41%
peers 12.44%
Peer comparison 748 banks with 500M-1B in assets
| Metric | Wisdom Heritage Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.1% | +4.9% | +4.2 pts |
| Deposit growth (YoY) | +8.2% | +4.3% | +3.8 pts |
| Loan growth (YoY) | +9.9% | +5.3% | +4.6 pts |
| ROA | 1.06% | 1.28% | -0.2 pts |
| ROE | 8.4% | 12.4% | -4.0 pts |
ROA ranks in the 36th percentile of its peer group · Q2 2026
Profile
- Established
- 1901
- Charter
- State
- Primary regulator
- FED
- Holding company
- GRACE INV CO INC ESOP THE
- Specialization
- Agricultural Specialization
- Address
- 518 College Ave, Alva, OK, 73717
- County
- Woods
- Offices
- 6
- FDIC cert #
- 9465
- RSSD ID
- 246956
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $601.3M | $505.8M | $300.7M | $78.8M | $3.2M | 1.06% | 3.12% | 0.72% |
| Q1 2026 | $600.9M | $517.4M | $296.4M | $76.4M | $1.9M | 1.22% | 3.04% | 1.22% |
| Q4 2025 | $630.8M | $528.7M | $326.3M | $76.4M | $12.2M | 2.09% | 3.52% | 0.21% |
| Q3 2025 | $589.4M | $481.6M | $278.8M | $83.1M | $8.7M | 2.03% | 3.63% | 0.22% |
| Q2 2025 | $551.4M | $467.6M | $273.5M | $77.4M | $6.2M | 2.18% | 3.72% | 0.48% |
| Q1 2025 | $565.3M | $473.1M | $294.0M | $74.5M | $3.1M | 2.17% | 3.82% | 0.27% |
| Q4 2024 | $580.4M | $482.6M | $300.9M | $70.1M | $10.4M | 1.79% | 3.64% | 0.26% |
| Q3 2024 | $505.6M | $411.5M | $234.6M | $67.9M | $8.2M | 2.20% | 3.75% | 0.77% |
Loan mix (Q2 2026): real estate $178.3M · commercial $19.8M · consumer $2.4M · securities $225.5M
Ratio pack Q2 2026 · peer medians from 748 institutions
Profitability
| Ratio | Wisdom Heritage Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.06% | 1.28% | 36th | |
Return on equity Annualized net income ÷ equity or net worth | 8.4% | 12.4% | 24th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.12% | 3.89% | 13th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.8% | 61.2% | 61th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Wisdom Heritage Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Wisdom Heritage Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Wisdom Heritage Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Wisdom Heritage Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
Similar banks
- Quail Creek BankOklahoma City, OK · $831.2M
- First Liberty BankOklahoma City, OK · $885.0M
- SpiritBankTulsa, OK · $912.8M
- F&M BankEdmond, OK · $915.3M
- Valliance BankOklahoma City, OK · $923.3M
- Security BankTulsa, OK · $939.0M
Selling to Wisdom Heritage Bank?
See Pro plan →Peer lists, growth filters, CSV export, CRM push.