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This institution is no longer active

Operations ceased on October 1, 2021. CRA examination history below reflects the period it was active.

LAKESIDE STATE BANK

OOLOGAH, OK · Supervised by FDIC

Est. 1976FDIC #22,217RSSD: FDIC-22217
Part ofOKLAHOMA STATE BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: August 2019

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -0.51%

Institution Profile

FDIC BankFind

Address

6695 East 400 Rd, OOLOGAH, OK

County

Rogers County

Established

February 9, 1976

Total Assets

$79M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

August 1, 2019

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 6 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q3 2021Call Report / FDIC

Total Assets

$79M

Total Deposits

$69M

Net Loans

$23M

Net Income

$-314K

ROA

-0.51%

ROE

-3.89%

Risk-Based Capital

21.39%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate22.86%Peer avg: 7.63%▼ Below avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20193565.71%22.86%
20183669.44%11.11%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

7 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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