# EXCHANGE BANK
SKIATOOK, OK · FDIC certificate 10672 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $158.4M | |
| Deposits | $142.3M | |
| Loans and leases | $52.8M | |
| Total equity | $15.7M | |
| Loans / deposits | 36.49% (p10 of band) | 73.59% |
| Liquid assets / assets | 62.90% (p89 of band) | |
| Uninsured deposits / deposits | 30.03% (p82 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p46 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.10% (p54 of band) | 11.76% |
| Unrealized securities loss / equity | -33.29% (p12 of band) | -6.57% |
| AOCI / equity | -1.58% (p17 of band) | |
| ROA (annualized) | 1.13% (p48 of band) | 1.17% |
| Net interest margin | 3.84% (p46 of band) | 3.93% |
| Efficiency ratio | 69.78% (p60 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 64% | |
| Construction % of loans | 26.43% (p61 of band) | |
| Auto loans | $1.5M (2.77% of loans; DQ 0.75%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 1.6% | |
| Employees | 33 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | capital falling |  |
| 2012-06 | 2 | assets shrinking | capital falling |
| 2012-09 | 3 | losing money, noncurrent p90 | assets shrinking |
| 2012-12 | 3 | deposits shrinking | losing money |
| 2013-03 | 3 | charge-offs p90 | deposits shrinking |
| 2013-06 | 4 | capital falling |  |
| 2013-09 | 3 |  | capital falling |
| 2013-12 | 3 |  |  |
| 2014-03 | 0 |  | reserve under noncurrent, noncurrent p90, charge-offs p90 |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | reserve under noncurrent |  |
| 2015-06 | 0 |  | reserve under noncurrent |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | uninsured deposits leaving |  |
| 2019-03 | 0 |  | uninsured deposits leaving |
| 2019-06 | 1 | capital falling |  |
| 2019-09 | 0 |  | capital falling |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | reserve under noncurrent |  |
| 2020-06 | 2 | capital falling |  |
| 2020-09 | 1 |  | capital falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | charge-offs p90 |  |
| 2021-06 | 2 | capital falling | reserve under noncurrent |
| 2021-09 | 1 |  | capital falling |
| 2021-12 | 1 |  |  |
| 2022-03 | 0 |  | charge-offs p90 |
| 2022-06 | 5 | capital falling, AOCI drag >20% of equity, securities losses >30% of equity, noncurrent p90, reserve under noncurrent |  |
| 2022-09 | 4 |  | capital falling |
| 2022-12 | 4 |  |  |
| 2023-03 | 3 |  | AOCI drag >20% of equity |
| 2023-06 | 3 |  |  |
| 2023-09 | 6 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2023-12 | 3 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2024-03 | 3 |  |  |
| 2024-06 | 4 | capital falling |  |
| 2024-09 | 3 |  | capital falling |
| 2024-12 | 4 | charge-offs p90 |  |
| 2025-03 | 3 |  | charge-offs p90 |
| 2025-06 | 4 | charge-offs p90 |  |
| 2025-09 | 2 |  | noncurrent p90, reserve under noncurrent |
| 2025-12 | 2 |  |  |
| 2026-03 | 1 |  | charge-offs p90 |
| 2026-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-06-22 [After decades in Woodward, Stock Exchange Bank plans merger with Cowboy Bank - Woodward News](https://news.google.com/rss/articles/CBMi8AFBVV95cUxQbzA3M1pRczZzZTFOTk1HTnhkS1prcnJweU1NWHA1NDFKenBXSGw4TTNaaGx5cERYVFY5a21MajdrMjhxMUZRNHdBUWo4UlBNakFqZGdGc1VHNENiVTlaYlpEZmwwWE44RjVVTUpzMUxOZ0xmbVZBV05VVTFEWUVqZVFZN1FGdGg4cnpmbWhubWRrTThhZ05HWXUtNFdrOWg0SHNzUjIyR2FHQnNnMy1jaGlsR1piX3JEa1psMlNld250dUZHSktsbGtMSTlrNlA1d1h1c3NTZ2J0N0piQlpMRWVHMjM5WWdkVnJOZlhYZ28?oc=5) · Woodward News
- 2026-07-01 [Danny Seibel, Cody Cordell plead guilty in Lindsay bank fraud case, Shaun Christian charges pending - NonDoc Media](https://news.google.com/rss/articles/CBMixwFBVV95cUxOTlhnbmpYWDdxYmdfb2JVR1pnbmxmSGw0bWVTS1lYUGlnWU5GRVRmUnJDeXNiS0JnWTZYVmxDeko5N0E0Yzh2SUhwQy15SlVuUGdaczI3RmxENWVMY3l3N1VnTTdFaVJhNHdkU3ViRC1jZG9JYlN3NlRkcmpQcUgwVkV3c3BadXJlcUNKS2VjTXlJdlpSTTJBZ1kxbFhUby1OaTlBa2ZvZ2tsLTVtRDFzal9hX184S0hKTGhuODhybHVVVlNoWk00?oc=5) · NonDoc Media
- 2025-12-09 [Of 5 Oklahoma banks FDIC evaluated on CRA, 1 rated superior - southwestledger.news](https://news.google.com/rss/articles/CBMilAFBVV95cUxNYjZ0NkxyQVRlaU9ReDNCbEdNUDV6Z3hDZXlHM0ZuY0trM3hDVng0SERjYUZ5ZTBGUVgxaGtvc3NQMFFqak0yTzhYaXgzNGROQ0szNkRWMWFndTJteEoyVXhESTNoazIzS3NjdWxJYmdyMU9oSUhkcnByVUdCYVg4ekwydUc0WnVYaUpOQUlaN1AxQjlv?oc=5) · southwestledger.news
- 2026-06-22 [Former Tulsa firefighter receives sentence for third bank robbery charge - KTUL](https://news.google.com/rss/articles/CBMiogFBVV95cUxQOEtleldMQjF6a3dqS0JRbnItZEF0QUQtT1cwc3Y3aUNPNW44WUJxZ25XLVIzSC02N3RvN0dTQVMxMDhwUkpzbWtfM1dDbmhjXzFtemtTX1FiT1Ztbmg3V1IzWmUyZ05PMW96TWRraFV0dlZIeHBkTGpWQ0NoYVYwWVA1dTF4ZUlSczdKZWl3VkdkUHRjWTNaMzBETDlIRWg4c0E?oc=5) · KTUL
- 2024-04-29 [FDIC hits Alabama, Oklahoma banks with consent orders - Banking Dive](https://news.google.com/rss/articles/CBMitwFBVV95cUxPWnRMWnFzOHBIYWZYblZfaXhHNHB4YUgzampzSk1RQ1VLb0dySUI4M1FpcjVmY1labXVIZllEQ3ozVE13a0lCQ3ptRDU1dnAyVW5SYktuX1FBVjhrMVdFekZZZUw2OHFUM1YtQnFabU5ycHBWVmVtZk9hbVM1em1OenIyTzRCOF92RzI0VUMxZzFkdC0zYkRQMGZvX3pLdGw5eXdfOThucVlzR29QQVU4LVlYbnJtZW8?oc=5) · Banking Dive
- 2026-01-12 [GW Platt Foreign Exchange Bank Awards 2026: Asia-Pacific - Global Finance Magazine](https://news.google.com/rss/articles/CBMimgFBVV95cUxPQ2RmcDlJVUMxSWViX041dkRqSVhlenYtUk04b1dPYlg3MGdQdFQ2NkZ3VzVudU9KbVBHWmhJWmFvNzNaSHlYS2M0QzRpZjFZS2tyZzNPSThrNGZyaFBzSGtvekhBVExkT1paYklFWGdRa2ZrcVllZGdKeERSQWhUQ09CNHREYkVlV3pKSUdFMjBZejRaQUNGMEx3?oc=5) · Global Finance Magazine
- 2026-07-24 [Steve Williams appointed to First Exchange Bank board - WV News](https://news.google.com/rss/articles/CBMi2wFBVV95cUxQM2N2S3h0MjQwcjZmckxqNnF0X2NqbmczR0hZQnN4MVQ4b2ZobXVJWElQOWR1SlJTUTlObXlFd201UmpLb1Vya3I1Z1pYcVpob3l5WUVWV0FILWtubi1NNndCZ3NFcVhtNmdDQllZNW9ERjh0QXdPb0xyYXVqeFo4b3VSWUdIeXBqRTBIQks0TS1HVGtwN3lrckVMSU52VXdPX2cyNEVQMFBlNVRrYmpFMy1YRWZLa19sbGtKdmlmYXJ6YWtCQVFaMTJ2M1RQT21lUTl0MUhONFRTMWM?oc=5) · WV News
- 2026-05-30 [Exchange Bank (NE) Review - SmartAsset](https://news.google.com/rss/articles/CBMie0FVX3lxTE5LTTA0TGNDR0hJQzVQRHNEODJWT3JMTVB5Tl9uQVdyLVBiVDNxUWNVNnJpZHNfSVpQTVNkdVVmNEgySEZEMF9GZHZkdVdKSGEzdnQ1VG16QkNuMGtkeHJEZ0hZd0QzdzNnT3pfbC1seGtMdVN5N3ZuS3RyTQ?oc=5) · SmartAsset

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10672 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/48.json (key "10672", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide