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Local Bank Hulbert, OK

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Local Bank Hulbert, OK Rates & Review September 2026

Q: How many branches does Local Bank Hulbert, OK operate?

Local Bank Hulbert, OK currently maintains approximately 7 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Local Bank Hulbert, OK does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Local Bank Hulbert, OK provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 23, 2026

Local Bank Hulbert, OK rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month CD rates are currently at 2.85%, 6-month CD rates at 2.75% and 3-month CD rates at 2.56%. Savings rates are at 0.89% and money market rates are at 1.22%. Mortgage rates on 30-year fixed loans are around 7.01%. These rates come from our rate database, not Local Bank Hulbert, OK, and you can see how they compare in the Local Bank Hulbert, OK rate tables below. MonitorBankRates evaluates the financial stability of Local Bank Hulbert, OK with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.86%. Database rates last updated and verified on 09/23/2026.

Local Bank Hulbert, OK money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Local Bank Hulbert, OK? Share your experience about Local Bank Hulbert, OK by leaving a review below, or read customer reviews before you decide to use Local Bank Hulbert, OK.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.86%

Excellent Lower than avg

Health Trend

Worsening 12 quarters

Full history ›

Local Bank

385 E Main St
Hulbert, OK 74441

https://www.localbank.com

Local Bank Hulbert, OK Other Rates

Product	Rate	Points	APY/APR
Local NOW	0.10%	-	0.10%
Min Deposit $1,000 Min Balance $1,000 Details If minimum falls balance below $1,000, $8.50 service charge Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.86%
Local Wisdom	0.10%	-	0.10%
Min Deposit $50 Min Balance $0 Details No service charge; No minimum balance Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.86%
Sequoyah Account	1.00%	-	1.01%
Min Deposit $100,000 Min Balance $100,000 Details New money to Local Bank only; No monthly service charge; If average monthly balance falls below $100,000.00 interest rate for the month will be 1.00% with an Annual Percentage Yield (APY) of 1.005% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.86%
Sequoyah Business Account	1.00%	-	1.01%
Min Deposit $100,000 Min Balance $100,000 Details New money to Local Bank only; No monthly service charge; If average monthly balance falls below $100,000.00 interest rate for the month will be 1.00% with an Annual Percentage Yield (APY) of 1.005% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.86%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Local Bank Hulbert, OK’s Texas Ratio rose from 0.26% in Q3 2023 to 3.86% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$463M	3.86%	5.0	A+
March 31, 2026	$441M	1.33%	5.0	A+
December 31, 2025	$429M	2.49%	5.0	A+
September 30, 2025	$412M	1.28%	5.0	A+
June 30, 2025	$421M	1.32%	5.0	A+
March 31, 2025	$409M	1.72%	5.0	A+
December 31, 2024	$402M	1.58%	5.0	A+
September 30, 2024	$393M	1.08%	5.0	A+
June 30, 2024	$373M	0.72%	5.0	A+
March 31, 2024	$360M	1.07%	5.0	A+
December 31, 2023	$338M	0.30%	5.0	A+
September 30, 2023	$328M	0.26%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Local Bank Hulbert, OK is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Local Bank Hulbert, OK rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Local Bank Hulbert, OK's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Local Bank Hulbert, OK

Bank Holding Company GRANDVIEW BANKSHARES INC

Address 385 E Main St, Hulbert, OK 74441 · Cherokee

Website https://www.localbank.com

FDIC Certificate # 2327

Established 19081201

FDIC Insurance Date 19340101

Domestic Offices 6

Total Branches 7

Regulator FED

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 98/100

5.0

Exceptional Out of 5.0 Stars

3.86%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.3397%

Return on Equity (ROE) 3.2100%

Non-Performing Loans (NPL) 0.39%

Total Assets $463,077,000

Total Deposits $382,626,000

Equity Capital $47,016,000

Net Income $755,000

Headquarters Hulbert

Total Branches and Offices 6

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Local Bank Hulbert, OK earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Local Bank Hulbert, OK

How many branches does Local Bank Hulbert, OK operate?

Local Bank Hulbert, OK currently maintains approximately 7 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Local Bank Hulbert, OK does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Local Bank Hulbert, OK provides members with tools to manage their accounts and build a solid financial history.

Does Local Bank Hulbert, OK offer online and mobile banking?

Most modern institutions like Local Bank Hulbert, OK provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.localbank.com.