# ADVANTAGE BANK
OKLAHOMA CITY, OK · FDIC certificate 18152 · asset band <$300M · latest filing 2019-09 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 5 (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 | $58.1M | |
| Deposits | $50.1M | |
| Loans and leases | $33.8M | |
| Total equity | $7.9M | |
| Loans / deposits | 66.71% (p32 of band) | 77.79% |
| Liquid assets / assets | 38.75% (p68 of band) | |
| Uninsured deposits / deposits | 13.62% (p40 of band) | 15.94% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p21 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.34% (p70 of band) | 11.56% |
| Unrealized securities loss / equity | 2.22% (p74 of band) | 0.80% |
| AOCI / equity | 5.98% (p81 of band) | |
| ROA (annualized) | -0.34% (p4 of band) | 1.05% |
| Net interest margin | 4.70% (p89 of band) | 3.84% |
| Efficiency ratio | 98.65% (p95 of band) | |
| Noncurrent loans | 1.54% (p78 of band) | 0.56% |
| Net charge-offs (annualized) | 0.27% (p92 of band) | |
| Reserve coverage of noncurrent | 81.42% | |
| Real estate % of loans | 87% | |
| Construction % of loans | 61.41% (p85 of band) | |
| Auto loans | $397,000 (1.17% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 1.0% | |
| Employees | 21 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## 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 | construction >100% equity | capital falling |
| 2012-06 | 1 |  | reserve under noncurrent |
| 2012-09 | 1 |  |  |
| 2012-12 | 2 | uninsured deposits leaving |  |
| 2013-03 | 2 | capital falling | uninsured deposits leaving |
| 2013-06 | 2 |  |  |
| 2013-09 | 2 | uninsured deposits leaving | capital falling |
| 2013-12 | 1 |  | uninsured deposits leaving |
| 2014-03 | 2 | uninsured deposits leaving |  |
| 2014-06 | 2 | reserve under noncurrent | uninsured deposits leaving |
| 2014-09 | 3 | deposits shrinking |  |
| 2014-12 | 3 |  |  |
| 2015-03 | 2 |  | deposits shrinking |
| 2015-06 | 3 | deposits shrinking, assets shrinking | reserve under noncurrent |
| 2015-09 | 1 |  | deposits shrinking, assets shrinking |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | reserve under noncurrent |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 4 | noncurrent p90, assets shrinking |  |
| 2017-09 | 4 |  |  |
| 2017-12 | 3 |  | assets shrinking |
| 2018-03 | 3 | capital falling, uninsured deposits leaving | construction >100% equity, noncurrent p90 |
| 2018-06 | 3 | expense ratio p90, noncurrent p90 | capital falling, uninsured deposits leaving |
| 2018-09 | 3 |  |  |
| 2018-12 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving | noncurrent p90 |
| 2019-03 | 3 |  | deposits shrinking, assets shrinking |
| 2019-06 | 7 | capital falling, losing money, charge-offs p90, deposits shrinking |  |
| 2019-09 | 5 |  | uninsured deposits leaving, deposits shrinking |

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

- 2019-06-25 [Tuttle Bancshares to acquire Advantage Bank - journalrecord.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPLW45Xy1zYmZLdWF2Q1ZSX2I2TE1iODcxOS1vTzloRXVZX2k2WVhPMGx5VHhFVWZDdXVaRVNmSHQ4LTFKQThzcHVGUVJaNDNrb0NRRE90RzV0d0RDR1RudVRsQ0tDQnhsUUVzc2EzeHV2bkxidnU1d2J6andlYk9RbE9reGhmdjVX?oc=5) · journalrecord.com
- 2024-08-02 [Why the local banks most exposed to CRE aren’t worried - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOcWxGdVdvYkU3dnRwQUJmaXJTd1dBWlBodGlKSlpvRHZUQ1dMQ0NlQUdWTmNzck5VSEdlYm1zU3g1U2tveWM4cG5aVlVENlRCRllaOXZZWFdyV3NhTDh6Q0dfWFd5Tno5U00xZmswRGdsbVUwdlpSOGJaUWlNLUx1eWk4eFlwQ3dGRTNCd2ZfZkhxX1dsdmdBRnplZHpKNlBJNFMyTVpBRmpTVXc?oc=5) · The Business Journals
- 2022-06-28 [Traditions First Bank adds two Clarksville bankers to Board - Clarksville Now](https://news.google.com/rss/articles/CBMimAFBVV95cUxOSVAwanBvMmt6SlJaTkl2eUhGcnpycG4zaHROYml3X05KeHRuXzNDUE55UmJWUFZndERzeWJOaHpzZGptUkhzc2FoUEYycTI1WE81R1lOX3pfU3o0b0Z1aUpQYlFINVNjdkNqMGFDNHV0RXhDbFVjSlUzbzFSUFB6c2hCa1VnR0pnX2kzMUZWR0VJVzJkWVEyYQ?oc=5) · Clarksville Now
- 2017-10-10 [Teresa Lynn Wegner Obituary Oct 10, 2017 - Horan & McConaty Funeral Service and Cremation](https://news.google.com/rss/articles/CBMiYEFVX3lxTE9BOEt6dV9FWko3WU80RlMwTjgyMGJsczJzcTA1djN3RExzNDJzaUtZWGxNQTNiak5ubzlucFF0WUlwbzZoOENxZlpEUTN3ZEZZZUM1ZU5kbmhsaGd1eTdLUQ?oc=5) · Horan &amp; McConaty Funeral Service and Cremation
- 2026-07-27 [Bank of Hawaii Q2 2026 slides: margin hits 2.78%, shares fall on revenue miss - Investing.com](https://news.google.com/rss/articles/CBMiygFBVV95cUxOeGppUTBTdXlxUmhFSHdPRHItVDViRkZrb2NIR0pobENuSDJrbHJoZEtCUk1hUDNPOEV6OWxfbmV2aTZCSXAwT285TVZ6WjBaNnFtVGQ2QnB0WHBtZ2ZXNTZPdmxSOVh2ZGdLMF9WSVRHdHREUEdWeTJ5T1QyUkU2ams2WUZtZ243RW1uU1pQVG8wSDRXQjhkOVYyUV9vczM1TUVKblpsSTY5TDJWbE8yMlJfUjdtTTdNcHQxX01GY0dhaXF4OHZYUWFR?oc=5) · Investing.com
- 2017-08-06 [Business People: Local firms' new hires and promotions - The Oklahoman](https://news.google.com/rss/articles/CBMiwAFBVV95cUxQdGpYejZGSWVkUGZhVGREbkhMMnpzOUdvYW1Hb2NBcENsTFJYejNobE42T19UQXZUOGxKV2dhaC1wVUJ3SVhYWjdPT3BrckMwcFlRRzN0bEJZNVVJYjZGeGttcE9mRkc1djhWOEFsdXRzU0x2YjRZaFpTQnZDMW1DdnNNM1cxd3BFTkVkSEtncnhLQUZtaHZmVDAxSEluNktxWVZjUHFZN1BCc3hMdW5WZ0plcWZnUmt3SnpNcF9wM3A?oc=5) · The Oklahoman
- 2021-08-24 [Olan Boydstun Obituary - Oklahoma City, OK - Dignity Memorial](https://news.google.com/rss/articles/CBMiigFBVV95cUxPWnpzclNfM0hEb2I0cW1PMk92OUczUjJvTERQLTlSMXd2TEQ3dlNHYTdGVVdoWXNPTzFvRDdTSHNsTmV3bDhyUGhPdHZwV3BZT3plVFJnMWg1bVU2ME9WS3d6Nm5FdVVOa2ZLajN3TTAyMVRUTWZtakNZcGhOZFZtSkNOTWlRZVB4cnc?oc=5) · Dignity Memorial
- 2018-10-02 [Here are all of the banks that currently support Apple Pay - iMore](https://news.google.com/rss/articles/CBMid0FVX3lxTE9ZY3JkQUdrNTNjWmMzVFk2QXBlWExaRnI3bjVsQ28wVlFRWUc5TEVWMm5TWkZ6RmtKTTNZRUhKbExyS25yb2pnRTc5VklBeW13Mzk0aU9MWVNGbHpiMDJUM1pfOVFvdFhCdGpNLUJQVG9ybXYzNlc4?oc=5) · iMore

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=18152 (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/40.json (key "18152", 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