# FIRST BANK OF OKARCHE
OKARCHE, OK · FDIC certificate 1165 · 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 | $137.5M | |
| Deposits | $114.1M | |
| Loans and leases | $43.3M | |
| Total equity | $22.3M | |
| Loans / deposits | 36.96% (p10 of band) | 73.59% |
| Liquid assets / assets | 66.15% (p92 of band) | |
| Uninsured deposits / deposits | 25.70% (p71 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 16.13% (p82 of band) | 11.76% |
| Unrealized securities loss / equity | -62.66% (p4 of band) | -6.57% |
| AOCI / equity | 0.00% (p78 of band) | |
| ROA (annualized) | 2.34% (p92 of band) | 1.17% |
| Net interest margin | 3.75% (p40 of band) | 3.93% |
| Efficiency ratio | 33.66% (p1 of band) | |
| Noncurrent loans | 1.04% (p72 of band) | 0.36% |
| Net charge-offs (annualized) | -0.06% (p4 of band) | |
| Reserve coverage of noncurrent | 242.70% | |
| Real estate % of loans | 29% | |
| Construction % of loans | 3.00% (p25 of band) | |
| Auto loans | $1.0M (2.38% of loans; DQ 5.35%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -3.3% | |
| Employees | 8 | |

## 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 | 2 | capital falling |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 1 |  | capital falling |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 2 | capital falling |  |
| 2013-03 | 1 |  | capital falling |
| 2013-06 | 0 |  | reserve under noncurrent |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 1 | uninsured deposits leaving |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 0 |  | uninsured deposits leaving |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | capital falling |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | capital falling |  |
| 2020-03 | 0 |  | capital falling |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | charge-offs p90 |  |
| 2021-06 | 0 |  | charge-offs p90 |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 1 | securities losses >30% of equity |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | deposits shrinking |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 3 | uninsured deposits leaving |  |
| 2024-06 | 1 |  | deposits shrinking, uninsured deposits leaving |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

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

- 2011-06-16 [Chicken-fried success: Okarche bar spurs local economy - journalrecord.com](https://news.google.com/rss/articles/CBMirAFBVV95cUxOWXRta3QxYTd5V2dUSWVRUWRuWkxyZVpROFhKTGxkRTNQb0piU2tYdkR1bUdJNlRlM3RwSWd0RGJWQ2VnSnRjcW1PSjgtVUVaUmF5dGxfNFdGVl9LRWRsWlktSnI0dGpBU2NFUXlBb3FuaG10enBYcE9CVEpFZ0pESng1NFN6NS10eWJIVFhhT0otUXNBcENLMTRzYmhvWDg1TXZKbjBKOE5pUUlJ?oc=5) · journalrecord.com
- 2021-08-02 [Loretta Forkey - The Oklahoman](https://news.google.com/rss/articles/CBMiWEFVX3lxTFBHVXlCcXhzcUg0dTYyR3BxQ2pVN3Z3Ull0dFduZS1YLWVqUzNJRk1RekNOOTFxd1pScl95dkhjVHY1ek5PS1BPVTNfdmZ1WlNCM21yVkFpUlo?oc=5) · The Oklahoman
- 2023-07-12 [Arnold Griesel Obituary - Oklahoma City, OK - Dignity Memorial](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPYVBxdzluV1ZPdlNtV1A5U0g0OU1NbjIzQ2ludXhsNmIyMGNRU0NwRmJGV2FGbHY1eUpHZjM1a1BTSUw4TDg2YUh5ejhscG9zeDFMNWtoeXYxcWljUm1TVFduYTJPY0dZbVZadXBydlVSOWJuZ1pXZ1BHN0pYcXBDV2FoZHpJMzBOOVVB?oc=5) · Dignity Memorial
- 2025-12-10 [Laurnell Eleice Lenz Obituary (2025) - Oklahoma City, OK - Wilson Funeral & Cremation Service - Kingfisher - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxNNDQ3cmFDYTIzYXlyQ0xjMVFaQnJOZEJEODNDOVRLcHo0WFRKVjhqMDlCR194WVFEQ2RtTGdWVm10azlXeVN4ZTBtS3EwQlZRZzVUYXZDWTRQQjFFYXM2UThlMmZDSjJMUDJFZGNNZUtQcFlNQ0JEODI0TGVjem1rQjRR?oc=5) · legacy.com
- 2026-02-09 [Emmalein Marie Schroeder Obituary | Huber Funeral Homes | El Reno, OK - Tribute Archive](https://news.google.com/rss/articles/CBMigAFBVV95cUxOYzh0bzdXTVhuZFFzQkdzQnIxR3JUZGFncUdlX3g0UXdwOVhGNV9kSklBYUpJdUpvU1ZoRk9KQ1ctOXJlM0ZJbkpsN09VTnpjY1BldmRHU0prV2k5RmJqSEhRWTR6bU9MYWMzNEJPeDhyakRtLXAzbl9wVXBwVldUNQ?oc=5) · Tribute Archive
- 2013-09-29 [Oklahoma Historical Society researcher to release books about Oklahoma's banking history - The Oklahoman](https://news.google.com/rss/articles/CBMi6AFBVV95cUxQVjk3a0Z1ZHdsc1RCVFhqYXpSZkdITS1NRGxoYktsX3ktSjlJOWM3bU1JWnhpOVhYU3dHNlNZUEdic0ZEVVdHcmdRaDNvX2dpdklwSXUxX005Zm5Nb281WXJBeGVYS1hQZkRtNXhqanh6WG5HYm94aWk4THY4b0ZRWm50N0N1WnRrZDJySm9Za1ZpRnZiZkZ4Z2FPU1FzWEpkcHF6RG8xVGtfVEJyQmdXcXhPMk1DcnlaM09FdlJoU2J2MEFyWTM3TWdvSXZldzJ3QzJWUzA2LWVDZ3N1ZWxOZ2gzSFFiXzg3?oc=5) · The Oklahoman
- 2010-04-06 [Susan Loosen Obituary (2010) - Oklahoma City, OK - Oklahoman - legacy.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxNZUZhcUFjb1VnYVVjOTUtRWhWYzR0dGU3eDZ1a1VueUUyUWNWYldxSzhscUs1OFpmMjVWbGpObHlrZXlFMVJBd0Rla3ZVdmhqOVhfZ2JCUUpDVWwxc01VX2pmaXl4bnpHeWZlb2FzSWhQbE1MT0FKdVJ5TVdNbEhubTNqWEhrMzhxem1fcjV3?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=1165 (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/13.json (key "1165", 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