# HOPETON STATE BANK
HOPETON, OK · FDIC certificate 12585 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (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 | $30.8M | |
| Deposits | $24.9M | |
| Loans and leases | $20.3M | |
| Total equity | $5.9M | |
| Loans / deposits | 81.25% (p64 of band) | 73.59% |
| Liquid assets / assets | 20.90% (p24 of band) | |
| Uninsured deposits / deposits | 7.88% (p8 of band) | 19.81% |
| Brokered deposits | 2.92% | |
| Wholesale funding | 2.92% (p64 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.32% (p44 of band) | 11.76% |
| Unrealized securities loss / equity | -1.48% (p73 of band) | -6.57% |
| AOCI / equity | -0.94% (p29 of band) | |
| ROA (annualized) | -0.79% (p4 of band) | 1.17% |
| Net interest margin | 4.34% (p70 of band) | 3.93% |
| Efficiency ratio | 122.82% (p97 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 | 36% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $740,000 (3.64% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 1.2% | |
| Employees | 9 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)

## 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 | 2 |  |  |
| 2012-06 | 3 | uninsured deposits leaving |  |
| 2012-09 | 1 |  | reserve under noncurrent, capital falling |
| 2012-12 | 0 |  | uninsured deposits leaving |
| 2013-03 | 2 | capital falling, uninsured deposits leaving |  |
| 2013-06 | 0 |  | capital falling, uninsured deposits leaving |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 2 | uninsured deposits leaving |  |
| 2015-03 | 1 |  | uninsured deposits leaving |
| 2015-06 | 2 | expense ratio p90, uninsured deposits leaving | capital falling |
| 2015-09 | 2 | deposits shrinking | uninsured deposits leaving |
| 2015-12 | 4 | assets shrinking, uninsured deposits leaving |  |
| 2016-03 | 4 |  |  |
| 2016-06 | 2 |  | deposits shrinking, uninsured deposits leaving |
| 2016-09 | 1 |  | assets shrinking |
| 2016-12 | 2 | capital falling |  |
| 2017-03 | 0 |  | expense ratio p90, capital falling |
| 2017-06 | 1 | expense ratio p90 |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 2 | capital falling |  |
| 2018-03 | 4 | charge-offs p90, uninsured deposits leaving |  |
| 2018-06 | 2 |  | capital falling, charge-offs p90 |
| 2018-09 | 0 |  | expense ratio p90, uninsured deposits leaving |
| 2018-12 | 3 | capital falling, expense ratio p90, reserve under noncurrent |  |
| 2019-03 | 2 | charge-offs p90 | capital falling, reserve under noncurrent |
| 2019-06 | 1 |  | charge-offs p90 |
| 2019-09 | 3 | reserve under noncurrent, deposits shrinking |  |
| 2019-12 | 3 | assets shrinking | reserve under noncurrent |
| 2020-03 | 2 |  | assets shrinking |
| 2020-06 | 1 |  | deposits shrinking |
| 2020-09 | 1 |  |  |
| 2020-12 | 2 | capital falling |  |
| 2021-03 | 1 |  | expense ratio p90 |
| 2021-06 | 0 |  | capital falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 2 | expense ratio p90, uninsured deposits leaving |  |
| 2022-03 | 5 | losing money, deposits shrinking, assets shrinking |  |
| 2022-06 | 4 | AOCI drag >20% of equity | losing money, deposits shrinking |
| 2022-09 | 4 | securities losses >30% of equity | assets shrinking |
| 2022-12 | 3 |  | uninsured deposits leaving |
| 2023-03 | 2 |  | AOCI drag >20% of equity |
| 2023-06 | 3 | losing money |  |
| 2023-09 | 7 | capital falling, AOCI drag >20% of equity, deposits shrinking, assets shrinking |  |
| 2023-12 | 5 | noncurrent p90, reserve under noncurrent | capital falling, AOCI drag >20% of equity, deposits shrinking, assets shrinking |
| 2024-03 | 3 |  | noncurrent p90, reserve under noncurrent |
| 2024-06 | 3 |  |  |
| 2024-09 | 3 |  |  |
| 2024-12 | 6 | noncurrent p90, reserve under noncurrent, uninsured deposits leaving |  |
| 2025-03 | 4 |  | noncurrent p90, reserve under noncurrent |
| 2025-06 | 3 | NIM <2.5% | securities losses >30% of equity, uninsured deposits leaving |
| 2025-09 | 3 |  |  |
| 2025-12 | 2 |  | losing money |
| 2026-03 | 2 | losing money | NIM <2.5% |
| 2026-06 | 3 | capital falling |  |

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

- 2025-06-23 [One America Bancorp Acquires Hopeton State Bank; Targets Growth in Rural Oklahoma and Dallas Commercial Market - PR Newswire](https://news.google.com/rss/articles/CBMi-AFBVV95cUxOeVZRTjNFNkZuWm9fTzQ4bGhIYjdUTXRZMllGREtMcHZybGh0amxtcGRfSkJGYVB2ZDQ0SzM4bHVTSE1GRkZDUWJtZ0hWaVN3WXhPaVFSUkFQVjBwYUlRWHA5b1g0UXJfNmh2U1R0Z2h0TVhiZThyRHJuaVg5VDc0VEJRdVM0SlplUXR6LXc4NU1xMW1ESUF2NzZGUFRUVk5tMXIyNGxzT2JYb2FnNlVYN2QxSmtfaDhhRWJfX2V5Ym5oY0hYaFBwYU5WcDJ0OFlrTWZiSGY5OWRsX1NkOVNpWFA0MXdjYnFGckxVbjlxNFZhRUU0dkk5Rw?oc=5) · PR Newswire
- 2025-06-27 [One America Bancorp inks acquisition of Hopeton State Bank - ATM Marketplace](https://news.google.com/rss/articles/CBMimwFBVV95cUxPUjFUZXNfZ2hfNE1vVVlUZXhDVHp0emZKNWtzdnpLY2tQd1pocjhtVHdwNVJjSTNoQVJfWm44VVVXMVplV2ptRjItSUhKcjNEbWhDNC1wTmFaNmFfekVGZ0w4Sk8tcEpfeVlEdGtGUnFJUWxUS3o5VWlFMWJmeC1pQlpMeENwQmVyY2I0X0FPc0I5czFYbFR0UDVfYw?oc=5) · ATM Marketplace
- 2020-02-22 [2020 VISION: Hopeton State Bank strives to provide big-city service in a small-town fashion - Enidnews.com](https://news.google.com/rss/articles/CBMigAJBVV95cUxOV1lnV1htREFlVGRvNjFrdC1OLXI2UGRaX05Ja2ttNldCLXF3ZlQ2c2o5SUctVDBqS1NreXd6VVltRTg4WUtGMTZybDZhVUctaml4V2ZRLVlvY2xrLThrOW5hR0Y2bzhNUkpKMnhyMmVPSDdhd19aQk53dzNfRE5WbzhraEtTNWI1ZzBQV0diaDkwWFhLM1BDXzEwQjZKSXFXTjBpUjhYWFl4SzBGR3pmWmpsUEFjYWtoUmdZUTdRNGVWaFQyWXBNOTAwUXYwMzZ2MUhoTDVzN2JtdTM1N3RDbjA3Rl8wM1NzR2lqNGZkYWUtMWNFYlZpb2diNUhpbW52?oc=5) · Enidnews.com
- 2026-04-21 [Bank of America appoints president of Oklahoma City - ATM Marketplace](https://news.google.com/rss/articles/CBMikgFBVV95cUxPTWpiZ19mNFVzcVhhS0JYY3hPYzhZWlVtWDJDanQxbk5IeHBsQzNkXzhHTndOcUNmc0UzZFVacWRyWTRkdngyR0htQ3ZMN1VXaDVpVjl3WmphZ1k5Y2l6T1ltV0xjV1FoWVNXUWN4V25oX0h0c1BsTG50YmNZeTg0WnM0ZFVqQVdpNzQ5TmU0Z24zdw?oc=5) · ATM Marketplace
- 2020-02-22 [2020 VISION: Brewery in Okarche is bringing new tastes to Kingfisher County - Enidnews.com](https://news.google.com/rss/articles/CBMi9gFBVV95cUxQRDFCVnZOR0lRLW51eHJzUHFYTHc4R1hEaVdLblJWR0RUc1NnZkRIMEVMZV96cDRla19laTNkWWo5M3JSbm03ZWR6anhjYUlrSWJxOUxwYXRfdFRFX1JvSXQ3VERWRUJoU0Q5R2FlT0ExbVBwUWhzUEFBQkZmYmgwVkVpZ2tUNU5Za0JUbGQ1LUQzTnQ2aVBKaGhEakVHeGdtVW1hbkhkWGs5c05yS0x4VGczYlJSUnNMZmc2VC1VV1pTMmZIWVNBZEdHWi1PSzRjY0hDQXl5UzczQk5uSWt4eC01Y0JHYWRIWWhVTzNFNzg0cGNZTGc?oc=5) · Enidnews.com
- 2020-02-22 [2020 VISION: Zaloudek leads Kremlin kids in doing good deeds for their community - Enidnews.com](https://news.google.com/rss/articles/CBMi_AFBVV95cUxQS25pQ2dVNjdNRHdYcG41OVlhZlB2end4bTJrR1h4M2Y5R3c1cEVGSDdjNko2T2JVMFh5RzdpWkNOTGJ2Nkk0cUJrWTJILS01V2hwVHZiQ1BLZHJJUnNuaUVuZ3JKSWNHNnBZeXRqYk0xS2tjYjZNRzhuVnVzNk9obVhYR3Bzb0YtWjk3UUNHRklIRmNrTDRZX2VpYXl3RjJtbzZpaVAzX0lDdWZjR3VlZXhQY2pCUEh1N3l0dEh2ZnZUNzRPNHBkUlpFYjh3TXNBMXBZOXRTM0tkYVZmLVRoWmR4QVpTQ0tFaDljQ0VsbmJIMEp4Tng1al9tQVY?oc=5) · Enidnews.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=12585 (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/41.json (key "12585", 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