Wisdom Heritage Bank (FDIC #9465): Bank Stress & Real-Estate Credit Exposure
Wisdom Heritage Bank (FDIC Cert #9465): bank stress 58/100, moderate, STABLE over 7 days; parent GRACE INV CO INC ESOP THE.
Wisdom Heritage Bank (#9465) lends in 5 counties across 2 states; Wisdom Heritage Bank (#9465) reaches 63 ZIP codes: Oklahoma 4 counties, 52 ZIPs; Kansas 1 county, 11 ZIPs.
Wisdom Heritage Bank (#9465) largest markets: Garfield County, OK (22 branches, 22 ZIPs) (#9465), Blaine County, OK (14 branches, 14 ZIPs) (#9465), Alfalfa County, OK (13 branches, 13 ZIPs) (#9465), Barber County, KS (11 branches, 11 ZIPs) (#9465), Woods County, OK (16 branches, 8 ZIPs) (#9465).
Wisdom Heritage Bank (#9465) reports $601.3 million in total assets; Wisdom Heritage Bank (#9465) equity $78.8 million (13.1% of Wisdom Heritage Bank (#9465) assets); Wisdom Heritage Bank (#9465) domestic deposits $505.8 million; Wisdom Heritage Bank (#9465) net income $3.2 million; Wisdom Heritage Bank (#9465) return on assets 1.06%; Wisdom Heritage Bank (#9465) return on equity 8.41%; Wisdom Heritage Bank (#9465) net interest income $8.9 million; Wisdom Heritage Bank (#9465) call report June 30, 2026.
Wisdom Heritage Bank (#9465) noncurrent real-estate loans: none reported; Wisdom Heritage Bank (#9465) residential -0.03%; Wisdom Heritage Bank (#9465) net charge-offs on real estate 0.44%; Wisdom Heritage Bank (#9465) residential charge-offs 0.13%.
Wisdom Heritage Bank (#9465) net interest margin 3.12% against an eight-quarter Wisdom Heritage Bank (#9465) average of 3.53% (Wisdom Heritage Bank (#9465) compression 0.42 points); Wisdom Heritage Bank (#9465) non-residential real estate 13.5% of equity; Wisdom Heritage Bank (#9465) rate-exposure score 40/100, Wisdom Heritage Bank (#9465) fixed-rate trap 40/100; Wisdom Heritage Bank (#9465) risk type credit driven; Wisdom Heritage Bank (#9465) rate regime rates elevated, Wisdom Heritage Bank (#9465) snapshot October 19, 2026.
Wisdom Heritage Bank (#9465) stress score moved from 55 on June 22, 2026 to 58.3 on October 19, 2026; Wisdom Heritage Bank (#9465) ranged 55 to 58.3 over 116 snapshots.
Wisdom Heritage Bank (#9465) alerts: 5 counties; top Wisdom Heritage Bank (#9465) alert scores: Kiowa County, OK 29 (low); Burlington County, OK 20 (low); Enid County, OK 20 (low); Freedom County, OK 20 (low); Okeene County, OK 20 (low).