# BANK OF BEAVER CITY
BEAVER, OK · FDIC certificate 11862 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 2 (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 | $188.6M | |
| Deposits | $170.4M | |
| Loans and leases | $104.7M | |
| Total equity | $12.4M | |
| Loans / deposits | 60.55% (p31 of band) | 73.59% |
| Liquid assets / assets | 41.45% (p65 of band) | |
| Uninsured deposits / deposits | 24.28% (p66 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.89% (p64 of band) | |
| FHLB advances / assets | 2.89% | |
| Tier 1 leverage | 8.67% (p8 of band) | 11.76% |
| Unrealized securities loss / equity | -39.20% (p9 of band) | -6.57% |
| AOCI / equity | -1.80% (p14 of band) | |
| ROA (annualized) | 1.23% (p54 of band) | 1.17% |
| Net interest margin | 3.82% (p44 of band) | 3.93% |
| Efficiency ratio | 67.92% (p56 of band) | |
| Noncurrent loans | 1.34% (p77 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p56 of band) | |
| Reserve coverage of noncurrent | 106.71% | |
| Real estate % of loans | 66% | |
| Construction % of loans | 18.04% (p51 of band) | |
| Auto loans | $2.8M (2.64% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 5.3% | |
| Employees | 32 | |

## Flags firing in the latest filing

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

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | leverage <7% |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | reserve under noncurrent |  |
| 2011-12 | 0 |  | leverage <7%, reserve under noncurrent |
| 2012-03 | 0 |  |  |
| 2012-06 | 1 | capital falling |  |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | uninsured deposits leaving |  |
| 2013-06 | 0 |  | uninsured deposits leaving |
| 2013-09 | 1 | AOCI drag >20% of equity |  |
| 2013-12 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving | AOCI drag >20% of equity |
| 2014-03 | 1 |  | assets shrinking, uninsured deposits leaving |
| 2014-06 | 0 |  | deposits shrinking |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | deposits shrinking |  |
| 2016-06 | 2 | charge-offs p90, reserve under noncurrent | deposits shrinking |
| 2016-09 | 2 | deposits shrinking | charge-offs p90 |
| 2016-12 | 2 | assets shrinking | reserve under noncurrent |
| 2017-03 | 1 |  | assets shrinking |
| 2017-06 | 0 |  | deposits shrinking |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 2 | capital falling, uninsured deposits leaving |  |
| 2019-03 | 2 | charge-offs p90 | capital falling |
| 2019-06 | 1 |  | uninsured deposits leaving |
| 2019-09 | 3 | deposits shrinking, assets shrinking |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 5 | noncurrent p90, reserve under noncurrent |  |
| 2020-06 | 1 |  | deposits shrinking, assets shrinking, noncurrent p90, reserve under noncurrent |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 1 |  | charge-offs p90 |
| 2021-06 | 1 | uninsured deposits leaving | capital falling |
| 2021-09 | 0 |  | uninsured deposits leaving |
| 2021-12 | 1 | capital falling |  |
| 2022-03 | 3 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-06 | 2 |  | capital falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 2 | capital falling |  |
| 2023-09 | 2 | AOCI drag >20% of equity | capital falling |
| 2023-12 | 1 |  | AOCI drag >20% of equity |
| 2024-03 | 4 | capital falling, noncurrent p90, reserve under noncurrent |  |
| 2024-06 | 2 |  | noncurrent p90, reserve under noncurrent |
| 2024-09 | 1 |  | capital falling |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 2 | capital falling |  |

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

- 2024-05-23 [Linda "Grammy" Cash Obituary May 23, 2024 - Shaw Funeral Home | Vici, OK](https://news.google.com/rss/articles/CBMiY0FVX3lxTFBJQzVkdW41eF9nNEMzTTRaLXVNQlhSZjVJaDlITUVGMThUR0JjeEdJd1Q5QU4waFptSzVheVVSRU55M1BrS3BQWlFUVXVxbFowRkN6d3hMa0lhWlVIcVN5SU9Gbw?oc=5) · Shaw Funeral Home | Vici, OK
- 2018-04-19 [ABC 7 News to compete in 'Cow Chip' - abc7amarillo.com](https://news.google.com/rss/articles/CBMickFVX3lxTFBiZ0hrSWJQQ3k0U0psV3RqeTZ3MlFGZVBuWi1nQXVkVUlyZXdIRm9PX0dTMU4zVC1RUDh4dFI1MEZtUl9xNl9EaUFsSUg4UFlnWXNKYVMwOS10aGlnbWhRNDdtN2c2ZUFwdkt5aWxtdlpfUQ?oc=5) · abc7amarillo.com
- 2024-08-12 [It is Rodeo Week for the 10th Annual Seward County PRCA Rodeo - KSCB Radio News](https://news.google.com/rss/articles/CBMikAFBVV95cUxQXzJLOFRFSUowY2NoVjZ2bENsbzFhTVUzY0sybHBySzd3ajdFSVdnTWNaWWRNZTV1dWN2NTNGdU5zcGxMVHpQS2VQR0w1ZnBvQ1EzVEhFUUFOU3lsODlsNUo1WG1BcmtRQ3p0ZnNEdElUYzFhVHRTakpRdmJYR2xBcTNFeXhnaUZFVTNlcVJmc3Y?oc=5) · KSCB Radio News
- 2021-09-22 [Google Pay growth continues to explode, with dozens upon dozens of new banks signing on - androidpolice.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxQRjVBSkRYUnhSaHFFUTJvZGt2X0R0RnZtcWp6MUUtQjR3R3RXNmc1Umo4Q3NaV0VKVVpsYTRCSVkzb0dfdmhWS05ZWnpQYWh6d3gzc0VVVzBCYXM0MnBCbG9kekdMdnBfZk9selhhTkhDV2pCMGxUNXVlNG5wMmpodURVQWxjanVxT0VhYQ?oc=5) · androidpolice.com
- 2024-02-22 [Charlie Ray Starbuck Obituary (2024) - Slapout, OK - Alan Clark Funeral Services - Beaver - legacy.com](https://news.google.com/rss/articles/CBMihgFBVV95cUxOWGpEVG9FSnlzNm9UODJHTTd1UVRTcFB2NzJLUmVUSzlpa2VsT2pSUS1DcUJpZDlYYTM1WDF6OWltMXlLUndVQkxJUlBDWEtzemhLbzF4UzR5WjJldTdhTGxNVC1XUF95SkdVTzY1TzQ1UENFdGZVUEd5cC1yTDNWcXM1emNiUQ?oc=5) · legacy.com
- 2026-04-30 [Justice Mendoza is Valedictorian and Gavin Campfield Salutatorian at LHS - KSCB Radio News](https://news.google.com/rss/articles/CBMinwFBVV95cUxOMEphLW9UVDhqQnNvcXFHU0x0dEt1NXVrd0dnWWtqT1VRV2MxTVhuR3lJRW9lN3E4YUpUYWliV19SR3dEQ1dIc1VrdzRXM3NRVUJNT216bHV0SEJhaG5OVk90Z250X3NtTnRyV2RpU005Z0xxQnBVb1I0aHE4Y3RPbW0xcG1PQjBudXRmTG12bGRHUGEzeTAyaWRpYm4zYzQ?oc=5) · KSCB Radio News
- 2023-03-27 [Sharon Ione Hampton Obituary (2023) - Beaver, OK - Alan Clark Funeral Services - legacy.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxOZE1MVlFXVmlLRVNheF8wb21oSWNianVNR0h1VHZOUVdQYnp0YkxvQ3RzekVBdDU4MkFyX2Z1Nmg0UFRsZk5OeFRpWVVQMUtuMmo3RmZmRzAzLWNQUWJ6TXlNVnptZ01SWk1DQ2VkQ3lnS0lXSmtBbjl2Nkd6VUk1MlZKZw?oc=5) · legacy.com
- 2025-08-12 [11th Annual Seward County PRCA Rodeo This Weekend - KSCB Radio News](https://news.google.com/rss/articles/CBMigAFBVV95cUxOb3JDdnk5NDFIa2l2OFR2TXlianBvU1NJemFvbVpkZ0FSc2h1eVlyeTBwMXdVRXZvN05BQlZORUpuYlU5ZV9ZVHZWZEJSby1OX3dpdnBtMFkzenUtdlViLVlLOFpkS2dKb1UtSlBkX0c2RmJteVdmZXJTVTQ0c1Zfeg?oc=5) · KSCB Radio News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11862 (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/22.json (key "11862", 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