This institution is no longer active

Operations ceased on August 10, 2000. CRA examination history below reflects the period it was active.

THE DELAWARE COUNTY BANK

JAY, OK · Supervised by FDIC

Est. 1908FDIC #9,474RSSD: FDIC-9474

Part ofARVEST BANK GROUP INC→ View all charters

Outstanding Same

Current rating · Exam: June 1997

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At a Glance

Community Lending (CRA)

Outstanding

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

Financial Health

Needs Attention

ROA -0.86%

Is this bank safe?

THE DELAWARE COUNTY BANK earned an Outstanding CRA rating (1997), shows financial metrics that merit closer review (ROA -0.86%). Consumers may want to review the details below before banking here.

Institution Profile

FDIC BankFind

Address

Main Street, JAY, OK

County

Delaware County

Established

January 1, 1908

Total Assets

$32M(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

June 1, 1997

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 29 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 Q2 2000Call Report / FDIC

Total Assets

$32M

Total Deposits

$28M

Net Loans

$15M

Net Income

$-133K

ROA

-0.86%

Below avg for Small banks. Peer avg: 0.44%

ROE

-6.85%

Risk-Based Capital

15.91%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

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

ROA-0.86%Peer avg: 0.44%▼ Below avg

Risk-Based Capital15.91%Peer avg: 23.03%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Jun 1997	Outstanding	Small Bank
Aug 1994	Outstanding	Not Reported
Nov 1991	Satisfactory	Not Reported

1 previous rating locked — 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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