# BANK OF UNION
EL RENO, OK · FDIC certificate 17967 · asset band $300M-1B · latest filing 2013-12 · FAILED

**Verdict on the desk:** this could be *credit-stressed*. Composite score 13 (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 | $317.2M | |
| Deposits | $315.8M | |
| Loans and leases | $279.3M | |
| Total equity | $1.2M | |
| Loans / deposits | 74.77% (p44 of band) | 77.63% |
| Liquid assets / assets | 24.19% (p37 of band) | |
| Uninsured deposits / deposits | 9.05% (p15 of band) | 18.22% |
| Brokered deposits | 3.01% | |
| Wholesale funding | 3.01% (p33 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 0.35% (p0 of band) | 9.92% |
| Unrealized securities loss / equity | 4.19% (p97 of band) | -1.24% |
| AOCI / equity | -19.62% (p4 of band) | |
| ROA (annualized) | -8.81% (p0 of band) | 0.83% |
| Net interest margin | 0.61% (p1 of band) | 3.59% |
| Efficiency ratio | 351.64% (p100 of band) | |
| Noncurrent loans | 55.12% (p100 of band) | 1.18% |
| Net charge-offs (annualized) | 0.00% (p14 of band) | |
| Reserve coverage of noncurrent | 28.04% | |
| Real estate % of loans | 32% | |
| Construction % of loans | 647.29% (p100 of band) | |
| Auto loans | $2.5M (0.90% of loans; DQ 13.58%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -9.4% | |
| Employees | 63 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | brokered >10% |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 3 | liquid assets <10%, reserve under noncurrent |  |
| 2012-03 | 2 |  | liquid assets <10% |
| 2012-06 | 1 |  | reserve under noncurrent |
| 2012-09 | 2 | liquid assets <10% |  |
| 2012-12 | 5 | losing money, noncurrent p90, charge-offs p90, reserve under noncurrent | liquid assets <10% |
| 2013-03 | 4 | uninsured deposits leaving | losing money, charge-offs p90 |
| 2013-06 | 6 | deposits shrinking, assets shrinking |  |
| 2013-09 | 13 | leverage <7%, leverage <5%, losing money, expense ratio p90, NIM <2.5%, construction >100% equity |  |
| 2013-12 | 13 | capital falling | brokered >10% |

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

- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2014-01-24 [BancFirst Assumes Operations of the former Bank of Union in El Reno, Oklahoma - PR Newswire](https://news.google.com/rss/articles/CBMizAFBVV95cUxNNDNoR0NfMnRENEJ4X0hDY0UzdUJ1cldPempsRDNIWF9IT3BOTzlhT3BKSmRhSHo1TzhPd0E5akpKaWhnN3JxYkZUOFlQTVNiRVQxY3lGUHRrV09FYjNaZGJhc2c0c09jRy05T0tNTnAteVhqRDZJRU4yRm1ScFJxejlWSTJpaUxpNktzbWJOcVJLei1XVkcyZUdiZ2lSNmNoNWJmdHVWUDVhM1hfeVBjSUo4M1lySEk1TGtrSXpTWDhOOHBxVU1IZGthcVc?oc=5) · PR Newswire
- 2012-02-02 [Bank of Union expands into Edmond - Edmond Life & Leisure](https://news.google.com/rss/articles/CBMihgFBVV95cUxQSThfVkxhWVp5M0JHSVc3NTh3YTdFZVFYX196azI5UWYxX21TYUJaNktqTGkzOWNiZDZ0MklQOTBXYlhBSnlPckxSQTI1em5DM0ZEWWxDaC1pSUEzb3V0dXNMZ1JDcEFPTkQzRTd5OVpwV0NfU0lpQ1dNUnNTbm96YlpscDJVdw?oc=5) · Edmond Life &amp; Leisure
- 2018-12-15 [Ex El-Reno banker sentenced to four years in prison by federal judge on Friday - The Oklahoman](https://news.google.com/rss/articles/CBMi5gFBVV95cUxPSkt2NklpeGV0R3BaM0tWcHFLUFpYZk5rN2FfbC1LQi0ySkxXTGc2MU90TUZKalUzS0cwaE5lMjJYMzhzVmM0akpwLXozTW1DeDFuQUFlb1pUamttRjlaNzgwSUZYY2FNZjFXVDJPQnM1V18tQjlOM0dzeXJZaWh1Z2tfeDFOaS1GcUlmOE4zZUlmcmIza0JFMDFZMENsdHpHdXllWDhNdURCdmNfWHRfaDhDcVVaV2tIQXBOWVR2VFZnQ0ppc1luYjdEX1FpTTh4SXJfRUdyQWZ6TDZSYzJDcXRVdUtUUQ?oc=5) · The Oklahoman
- 2026-08-24 [Failed Banks In The US: An Analysis By Year, Size And More - Forbes](https://news.google.com/rss/articles/CBMibEFVX3lxTE9SRkVrQmdfS2FWVWlBdzNCcy1OTlAyNlVSUEpoMG5WVllXR0V1dW5NSFBRSW91OUFjZ055S3dyS3RaaVg3dVc3UU12XzhENE5nanJFeEExR016RTR4Y1BERHVJSHlzSDNqS3pUWQ?oc=5) · Forbes
- 2018-12-17 [Ex-bank CEO sentenced to 4 years, $137 million restitution - koco.com](https://news.google.com/rss/articles/CBMiogFBVV95cUxPVG91Y1VQRFhBZDV2UkVKNk5KVjMwc19xS1Z1aXJ3eUZSbEZKNzdEdnYya0Q3TERaSmZ1QXNKemU3dUNnU1FJSVg1eHNUM1EwcU1zc0g2Z3pmOFV0cTR4cDNiVzNnMllKM1FBM1ljb01sN1Q2ZGYwZDEzODJ6Nl9KSlM4bGE4TFc4dmsteXg0Uk1HNURHWC1LNVhHUWJFcEZXcHc?oc=5) · koco.com
- 2020-07-08 [Sierra Nevada, Bell’s, Deschutes and More: Breweries and Wholesalers That Received Between $1 Million and $10 Million in Paycheck Protection Program Funding - Brewbound](https://news.google.com/rss/articles/CBMijwJBVV95cUxOdmFqRDZVSFh2NGt3TGUtQ1VYTzMtMlVUaFEwbjA0Y1dIa0dXVlUxMHNVMkZBdHdKZ0tFLW40Z2ZzSjRRRTFyV0JiM2ExZ3VHQWQwTGJkNEJUZG5YQTl1T0tySG84ZTFvMm14aWRoZ0REa2wxbF9IRW1tRmI5dTdzSWZFREg5WjE1aVNfbWUxZGRKX2JpWUc0Ny1kMVVUVWRCZEJaN1VfQ09Uc1JaUkdaT2YwTGtzbDk0dk1oMFVCWnMtMnlCOEFyQVdCWldoMlp6SF8zQWRVdGxUT1otaS1ic3pkWEpiOWI5QWdsNnJxdExzdmRyNFNsV3BzbEhlSFZ4LTRXOUN4N244TWdLMjhn?oc=5) · Brewbound
- 2023-03-13 [The collapse of Silicon Valley Bank: What does it mean? - CBC](https://news.google.com/rss/articles/CBMifEFVX3lxTE5hczFoVGFySV9FMFdlRk15bUt0YWYyc0p5aEdqMmU1cjJ5ejJsaEtBZWZzQ1hZdnRzS0dRa3FUZmFNeXRRTDJ2R3lRc1dkMlZHX0d0Vk9zZWtXR05WencydFk0dFdYN0NKbG9HM0s4bE1TbGRzU3JEWHdMb2w?oc=5) · CBC

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17967 (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/47.json (key "17967", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide