# CATTLEMENS BANK
ALTUS, OK · FDIC certificate 12285 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. 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 | $595.2M | |
| Deposits | $468.9M | |
| Loans and leases | $525.5M | |
| Total equity | $60.6M | |
| Loans / deposits | 111.00% (p97 of band) | 82.04% |
| Liquid assets / assets | 8.28% (p2 of band) | |
| Uninsured deposits / deposits | 23.57% (p42 of band) | 25.97% |
| Brokered deposits | 1.01% | |
| Wholesale funding | 10.76% (p79 of band) | |
| FHLB advances / assets | 9.74% | |
| Tier 1 leverage | 10.28% (p41 of band) | 10.81% |
| Unrealized securities loss / equity | -0.21% (p93 of band) | -8.10% |
| AOCI / equity | -0.02% (p73 of band) | |
| ROA (annualized) | 1.30% (p51 of band) | 1.28% |
| Net interest margin | 4.21% (p67 of band) | 3.91% |
| Efficiency ratio | 59.88% (p46 of band) | |
| Noncurrent loans | 0.29% (p41 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p13 of band) | |
| Reserve coverage of noncurrent | 321.38% | |
| Real estate % of loans | 74% | |
| Construction % of loans | 35.77% (p43 of band) | |
| Auto loans | $274,000 (0.05% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 7.9% | |
| Employees | 75 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **liquid assets <10%** (`liq_thin`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | liquid assets <10% |  |
| 2011-06 | 2 | reserve under noncurrent |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 1 |  | liquid assets <10% |
| 2012-09 | 2 | liquid assets <10% |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 1 |  | liquid assets <10% |
| 2013-06 | 2 | brokered >10%, capital falling | reserve under noncurrent |
| 2013-09 | 3 | reserve under noncurrent |  |
| 2013-12 | 3 |  |  |
| 2014-03 | 4 | liquid assets <10% |  |
| 2014-06 | 2 |  | capital falling, liquid assets <10% |
| 2014-09 | 2 |  |  |
| 2014-12 | 3 | liquid assets <10% |  |
| 2015-03 | 4 | wholesale funding >15% |  |
| 2015-06 | 4 |  |  |
| 2015-09 | 5 | loans exceed deposits |  |
| 2015-12 | 5 |  |  |
| 2016-03 | 6 | capital falling |  |
| 2016-06 | 4 |  | wholesale funding >15%, capital falling |
| 2016-09 | 5 | wholesale funding >15% |  |
| 2016-12 | 5 |  |  |
| 2017-03 | 5 |  |  |
| 2017-06 | 5 |  |  |
| 2017-09 | 5 |  |  |
| 2017-12 | 5 |  |  |
| 2018-03 | 2 |  | liquid assets <10%, loans exceed deposits, wholesale funding >15% |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 | liquid assets <10% | brokered >10% |
| 2018-12 | 1 |  | liquid assets <10% |
| 2019-03 | 1 | uninsured deposits leaving | reserve under noncurrent |
| 2019-06 | 2 | liquid assets <10%, reserve under noncurrent | uninsured deposits leaving |
| 2019-09 | 2 |  |  |
| 2019-12 | 1 |  | liquid assets <10% |
| 2020-03 | 0 |  | reserve under noncurrent |
| 2020-06 | 1 | reserve under noncurrent |  |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 1 |  | capital falling |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 | liquid assets <10% | reserve under noncurrent |
| 2022-09 | 1 | loans exceed deposits | liquid assets <10% |
| 2022-12 | 2 | liquid assets <10% |  |
| 2023-03 | 7 | wholesale funding >15%, capital falling, reserve under noncurrent, deposits shrinking, uninsured deposits leaving |  |
| 2023-06 | 7 | charge-offs p90 | capital falling |
| 2023-09 | 5 |  | deposits shrinking, uninsured deposits leaving |
| 2023-12 | 4 |  | charge-offs p90 |
| 2024-03 | 4 |  |  |
| 2024-06 | 4 |  |  |
| 2024-09 | 6 | brokered >10%, noncurrent p90 |  |
| 2024-12 | 5 |  | noncurrent p90 |
| 2025-03 | 5 |  |  |
| 2025-06 | 6 | capital falling |  |
| 2025-09 | 6 | noncurrent p90 | capital falling |
| 2025-12 | 4 |  | reserve under noncurrent, noncurrent p90 |
| 2026-03 | 2 |  | wholesale funding >15%, brokered >10% |
| 2026-06 | 2 |  |  |

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

- 2025-11-25 [Cattlemens Bank Expands With New Southwest Fort Worth Location - Fort Worth Inc.](https://news.google.com/rss/articles/CBMilgFBVV95cUxNakV0UU5GTUs1ckl5ZWotVGdhSVRiLVA3U2hjNEZlbXU1UGpfN0dDNTd2cUIyTFEzWkRKVEJMcWozRURQeUpwaWRDQWo0blhPVjhWVGRiaVlad0c1TXV0R1NxdVhEWU9BNVowVGxMeVVHd0pmTTYwUmxqdlZFTl9VT1NQdHFYLUdoR0hNLUlQUmdWOFE1ZHc?oc=5) · Fort Worth Inc.
- 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
- 2025-03-03 [Melvin Tutten Obituary Mar 3, 2025 - Kincannon Funeral Home | Altus, OK](https://news.google.com/rss/articles/CBMibkFVX3lxTE0tYmtrUFlpOXJGVE43cjRwYVBJTkk0Zm9MLUV5OXRwYjktaFpzbFVNcWdNSHU5Vjd1WDcwZGdvZ2JCZ1p5b2d4OUUxTnd5RkdKNldOdUlaVWZqb0JGcEF4dVFOLTZLM0E5bkJfdGNn?oc=5) · Kincannon Funeral Home | Altus, OK
- 2026-02-20 [Jerry Dale Manney Obituary (2026) - Hollis, OK - Harmon County Funeral Home - Hollis - legacy.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxPT0JsZ1FLNTFhYl92NWFHVzg0eFMzUmc0eDNNaWwzWi1LN0xTd0c1YzJfemNrR3BkUWNZektySG8zbkdMYnRIVUhfejVNbm5oejVNajdkMV9nRURVNUdsTWhuLVhIRkItX1dRS0g5eGlkYWJwRlRzM2hEbEUxcW9lXw?oc=5) · legacy.com
- 2023-09-19 [Shirley Jean Holder Obituary Sep 19, 2023 - Kincannon Funeral Home | Altus, OK](https://news.google.com/rss/articles/CBMickFVX3lxTFBSYml6QjRUcnZTakZ6VjVtZ3hHQjdBU3paN0hOeGNwdFB5ay10VzVvOF8zeHBKclZHRWVpbkxfZ3JCQTdQSkZtMnN1MUh1dWt1b1RIMkxlTVV3TGp1MUhqOHRFTjF6cHIzMUd0Um5IOC13UQ?oc=5) · Kincannon Funeral Home | Altus, OK
- 2026-04-10 [Larry Dale Taylor Obituary Apr 10, 2026 - Kincannon Funeral Home | Altus, OK](https://news.google.com/rss/articles/CBMibEFVX3lxTE1KTXljMHpVTFVmWlJtQVlpTDBOY2tkZ0JSQmhOckt6aGFSX2hyMGlZTDdXQ1B0a3YtWmtGTWhQSVhGNUNHaDNsVDhWUmowZ3VZZEdTR21DYWhLWXctN2t4b1ptNm1vLTZvRC1wNg?oc=5) · Kincannon Funeral Home | Altus, OK

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=12285 (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/61.json (key "12285", 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