Bank · FDIC insured
Wisdom Heritage Bank
A $601.3M bank headquartered in Alva, OK, with 6 branches in 2 states. Best rates: savings 1.31% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: carrot has not captured enough rates to score this yet. Auto loans: no rates found on its website. Credit cards: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all).
- Savings883.56%at $100,000Savings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Wisdom Heritage Bank
Wisdom Heritage Bank is a family-owned community bank serving customers since 1901.
- Headquarters
- 518 College Ave, Alva, OK 73717
- FDIC certificate
- 9465 ↗
Branches
6 branches in 2 states
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Oklahoma
5 branches
Alva area · 1
- Wisdom Heritage BankMain office518 College Ave, Alva, OK 73717Directions
Burlington area · 1
- Burlington Branch5th And Locust, Burlington, OK 73722Directions
Enid area · 1
- Enid Branch801 W Broadway Ave, Enid, OK 73701Directions
Freedom area · 1
- Freedom State Bank Branch1085 Main St, Freedom, OK 73842Directions
Okeene area · 1
- Okeene Branch124 N Main St, Okeene, OK 73763Directions
Kansas
1 branch
- First State Bank Kiowa Branch546 Main St, Kiowa, KS 67070Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 14.22% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 1.28% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.06% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $60 | $81 | — |
- CapitalLeverage ratio14.22%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent1.28%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.06%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$60Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Wisdom Heritage Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.