# CHICKASAW COMMUNITY BANK
OKLAHOMA CITY, OK · FDIC certificate 11521 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 5 (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 | $557.1M | |
| Deposits | $490.0M | |
| Loans and leases | $325.1M | |
| Total equity | $61.8M | |
| Loans / deposits | 65.40% (p19 of band) | 82.04% |
| Liquid assets / assets | 34.41% (p74 of band) | |
| Uninsured deposits / deposits | 35.01% (p79 of band) | 25.97% |
| Brokered deposits | 16.90% | |
| Wholesale funding | 16.90% (p90 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.03% (p55 of band) | 10.81% |
| Unrealized securities loss / equity | -4.72% (p64 of band) | -8.10% |
| AOCI / equity | 0.12% (p85 of band) | |
| ROA (annualized) | 0.66% (p16 of band) | 1.28% |
| Net interest margin | 3.59% (p33 of band) | 3.91% |
| Efficiency ratio | 85.43% (p93 of band) | |
| Noncurrent loans | 2.78% (p93 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p13 of band) | |
| Reserve coverage of noncurrent | 51.74% | |
| Real estate % of loans | 91% | |
| Construction % of loans | 72.65% (p74 of band) | |
| Auto loans | $4.8M (1.47% of loans; DQ 0.13%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 26.9% | |
| Employees | 77 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | brokered >10%, wholesale funding >15% |  |
| 2011-06 | 3 | reserve under noncurrent |  |
| 2011-09 | 4 | capital falling |  |
| 2011-12 | 4 |  |  |
| 2012-03 | 4 | uninsured deposits leaving | capital falling |
| 2012-06 | 3 |  | reserve under noncurrent |
| 2012-09 | 2 |  | uninsured deposits leaving |
| 2012-12 | 3 | reserve under noncurrent |  |
| 2013-03 | 3 |  |  |
| 2013-06 | 2 |  | reserve under noncurrent |
| 2013-09 | 2 |  |  |
| 2013-12 | 3 | capital falling |  |
| 2014-03 | 2 |  | capital falling |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 3 | capital falling |  |
| 2015-09 | 4 | charge-offs p90 |  |
| 2015-12 | 4 |  |  |
| 2016-03 | 4 | reserve under noncurrent | charge-offs p90 |
| 2016-06 | 3 |  | capital falling |
| 2016-09 | 3 |  |  |
| 2016-12 | 2 |  | reserve under noncurrent |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 3 | uninsured deposits leaving |  |
| 2018-03 | 2 |  | uninsured deposits leaving |
| 2018-06 | 1 | capital falling | brokered >10%, wholesale funding >15% |
| 2018-09 | 4 | brokered >10%, wholesale funding >15%, expense ratio p90 |  |
| 2018-12 | 3 |  | expense ratio p90 |
| 2019-03 | 2 |  | capital falling |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 3 | capital falling |  |
| 2020-03 | 2 |  | capital falling |
| 2020-06 | 2 |  |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 3 | capital falling |  |
| 2021-06 | 3 |  |  |
| 2021-09 | 3 |  |  |
| 2021-12 | 2 |  | capital falling |
| 2022-03 | 2 |  |  |
| 2022-06 | 3 | capital falling |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 4 | leverage <7% |  |
| 2023-03 | 4 | losing money, expense ratio p90 | capital falling, leverage <7% |
| 2023-06 | 4 |  |  |
| 2023-09 | 4 |  |  |
| 2023-12 | 6 | deposits shrinking, assets shrinking |  |
| 2024-03 | 8 | charge-offs p90, uninsured deposits leaving |  |
| 2024-06 | 7 |  | charge-offs p90 |
| 2024-09 | 7 |  |  |
| 2024-12 | 6 | noncurrent p90, reserve under noncurrent | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2025-03 | 4 | deposits shrinking | losing money, expense ratio p90, noncurrent p90 |
| 2025-06 | 5 | capital falling, noncurrent p90 | deposits shrinking |
| 2025-09 | 5 |  |  |
| 2025-12 | 7 | expense ratio p90, deposits shrinking, assets shrinking | capital falling |
| 2026-03 | 5 |  | deposits shrinking, assets shrinking |
| 2026-06 | 5 |  |  |

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

- 2025-10-02 [Governor Anoatubby leads Chickasaw Community Bank, Ada, ribbon cutting - Chickasaw Times](https://news.google.com/rss/articles/CBMivwFBVV95cUxPSE5ZdnVvelNKSV9DclpFMEY4cU9SVTdoVzd5ZTZldXU3dC1wZE5OVVpBTk5WYjJpTWVqWEZRdFJYS1o5Sm52WExRdEpGbGZCOC1Qdjl0NjJHWVhvRzRQUkVETGUwdUtCMnp4UGVFQ2R3bzcwM0xQdExBUURmZ245NG5OeldNSENDcEhmREhnMXIzQ3ZneXVjVWRHNGhWN1puZlI2ekctTy1pT0x1VGRqWlNsZTFobHV1YVBBRGY2RQ?oc=5) · Chickasaw Times
- 2025-05-02 [Chickasaw Community Bank to acquire Oklahoma Heritage Bank - journalrecord.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxQb0NnZGhhYzBudkg3ak9QS0tjUDU5VWlMOUdJZ1NqRkhVWmJlS1dDRHBybThLZjc2UWk5LXlkc3d5TmtBTUZOZnVUWWMxOVVIaDNvQl9mZzVYTUJmS2EtbHo4TFp0UUlqWVY4RURocGFKbTdha21kOWtMZVFpbXZXUE1qeG1sUGdrZWt6WTlrUGVLX2hfb0xMeHd3?oc=5) · journalrecord.com
- 2020-01-18 [Bank2 Changing to Chickasaw Community Bank - Native News Online](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOMjRwWjdhb1ZXQlZLaXlvSUcyeGV0WTZiUWJYLUtySTJwRXl1ZHNFMFlVYkM2ZFhFMTl5Z3B5UmN3V1ZwM1IzMGw4MktpOHJqenItZ2w5R3dKQnlkaUZqZmJ1a3pTWm5VNHYwejAyZElKVGZqZU9HRFZNUl9wZ2E2eS12QlVvR0Jy?oc=5) · Native News Online
- 2024-02-22 [Chickasaw Community Bank Names Bill Schonacher as CEO - OKC VeloCity](https://news.google.com/rss/articles/CBMioAFBVV95cUxOMjQ5VnBMUTRjcXc0MmVsdlpJR1lla1gxYXZLd2xRdnJVbkpsVWZoZEh1TFVDbmgzODJoZ1drWU9NQmxZUmpES1AzRHhVQ19Ob015bEU4NU02Z2EtZkZQeGxzNEJXVzhfWFhOdU1KSzFXblZGaDh6TXFmUVl3TjFHTTVkYzU4VE1fZXBQS1VVUWpKRXdRWVg4ajVMeG54VEM4?oc=5) · OKC VeloCity
- 2025-05-08 [Chickasaw Banc announces plans to acquire Oklahoma Heritage Bank - The Ada News](https://news.google.com/rss/articles/CBMi7gFBVV95cUxPSjloSDEybTAyOU9KVzhJSUZMUk8xNm84OEUxM1dLbUV6RFZ5dWNBS1NFSGZIVENEOE4wTGNqd3lMS1ItTndMNVVoQWtoV1Y4MG5MR2Q0NEpQZ0ZHOWhTemJMMTFkOVVMZmdSZVRid2tHdlFzOW9OQzRFYkpJVERzd1V1NU5qcXRyeGZ3VDB0Zjh5SmEzZjRTcGNKejJLT19NUEdPak5vMjF2eXYxREhkSHR4aVlrTjhIWm5aNmlBVHpxZWxIVXN6VDQyUDBxS1lyM1JHYmhCWVlVR3I3MGpiVXdVSGdTbmFCUGVMOWh3?oc=5) · The Ada News
- 2023-05-30 [New Chickasaw Community Bank headquarters dedicated in Oklahoma City - Chickasaw Times](https://news.google.com/rss/articles/CBMivAFBVV95cUxNemx0OVNFSzV4TWRJX09RZzgxUnhiVDRlaFRCUERDcFlSYXJDV0JlYkVMakg0ZXNWZDEyNGxIODJyWUtvR2x6c3ZMQkt2aUQ5YW4zcjdYQzlKenJyay1PLW9BbkNHYjBzQVI0cDExMm80a25nZHFxYXlTTXBNQk8tcEI1dUgyT2hVSmttR0RsR2QyVllWaDJHRmw4MF8wd05BUUJhQWVvU19LbWtNRU5ybmRBazFwM1lBY2hCaQ?oc=5) · Chickasaw Times
- 2020-09-30 [House taps Chickasaw bank official for redistricting effort - Oklahoma Council of Public Affairs](https://news.google.com/rss/articles/CBMirgFBVV95cUxPb2NRRC1FOUVLWWtoa1E2TWJJQVVyZDJtbVhTV0x3SFUzTzg2Nm1BTlRMY1Y0RDljci10cF9MdFd5MWlEdEx1aDNMeGliUk1LVy1iNmsxYXNLT0JFWUpFeUlHN2FHZ25IZzZ4MjhVeE1mcW9MU0RmQ2lidXZnVjZQSk84Qldwc0toZ3M2RnI1V1dLRHRPVm5vV3V2NHFqci1KZEhaUnlhRGtLLVQ1RWc?oc=5) · Oklahoma Council of Public Affairs
- 2022-03-10 [Former Oklahoma House Speaker T.W. Shannon announcess US Senate bid - KOKH](https://news.google.com/rss/articles/CBMi9gFBVV95cUxPMlhKRzdfNzdwaFNwVWVxVkhYaVNsRUdFTDRqblpLWFdlSTNoY1cxVjdKVjl0SlY3STFhUUhjbUtkNXc2X2J4X0I5ZUs5SU9rMG1rQkVJbk1yMVoyYm55UUtZZVlQaEdsV3R0NjlTRHRoY08xbXF2dVkxVklVQm93WXZKZlVlenIyNXdRYi13a2E1UHBHVTU2SFNlQmdXZnhxRldhSC1CZWpfU0xwbHB1Rlk4d1VFcUFKSDJLZnFmMkFJTWNVVVRhWTFIT2M5TEtsVndxaFQ4QU9NOTdNYXZGWUxzU1VkOVV3RzhENklaa1EwQWU4YVE?oc=5) · KOKH

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11521 (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/1.json (key "11521", 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