🏦Bank Scorer

BANK OF CHELSEA

CHELSEA, OK · Supervised by FDIC

Est. 1896FDIC #13,274RSSD: FDIC-13274
Part ofCOMMERCE BANCSHARES INC→ View all charters
Outstanding Same

Current rating · Exam: March 1995

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 1.79%

Institution Profile

FDIC BankFind

Address

322 W 6th St, CHELSEA, OK

County

Rogers County

Established

March 23, 1896

Total Assets

$205M(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

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

March 1, 1995

Exam Type

Not Reported

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 31 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 Q1 2026Call Report / FDIC

Total Assets

$205M

Total Deposits

$177M

Net Loans

$129M

Net Income

$876K

ROA

1.79%

ROE

14.66%

Risk-Based Capital

18.68%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

6

Branch Deposits

$158M

1-Year Change

0

5-year net change: -1 branches

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

2 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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