# OKLAHOMA CAPITAL BANK
TULSA, OK · FDIC certificate 18856 · asset band <$300M · 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 | $196.3M | |
| Deposits | $159.8M | |
| Loans and leases | $162.2M | |
| Total equity | $24.8M | |
| Loans / deposits | 100.43% (p92 of band) | 73.59% |
| Liquid assets / assets | 12.86% (p8 of band) | |
| Uninsured deposits / deposits | 32.29% (p85 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 5.38% (p74 of band) | |
| FHLB advances / assets | 5.38% | |
| Tier 1 leverage | 10.39% (p30 of band) | 11.76% |
| Unrealized securities loss / equity | 0.00% (p92 of band) | -6.57% |
| AOCI / equity | -0.19% (p60 of band) | |
| ROA (annualized) | 1.29% (p57 of band) | 1.17% |
| Net interest margin | 4.73% (p84 of band) | 3.93% |
| Efficiency ratio | 53.04% (p19 of band) | |
| Noncurrent loans | 0.30% (p47 of band) | 0.36% |
| Net charge-offs (annualized) | -0.01% (p13 of band) | |
| Reserve coverage of noncurrent | 357.59% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 237.22% (p100 of band) | |
| Auto loans | $281,000 (0.17% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 21.7% | |
| Employees | 25 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 2 | noncurrent p90 |  |
| 2012-03 | 3 | capital falling |  |
| 2012-06 | 2 |  | capital falling |
| 2012-09 | 1 |  | noncurrent p90 |
| 2012-12 | 2 | noncurrent p90 |  |
| 2013-03 | 3 | losing money, expense ratio p90 | noncurrent p90 |
| 2013-06 | 5 | capital falling, charge-offs p90 |  |
| 2013-09 | 5 |  |  |
| 2013-12 | 4 |  | capital falling |
| 2014-03 | 4 | noncurrent p90 | charge-offs p90 |
| 2014-06 | 6 | capital falling, uninsured deposits leaving |  |
| 2014-09 | 6 | charge-offs p90 | capital falling |
| 2014-12 | 5 |  | uninsured deposits leaving |
| 2015-03 | 5 | capital falling, construction >100% equity | losing money, expense ratio p90 |
| 2015-06 | 7 | leverage <7%, losing money, expense ratio p90 | noncurrent p90 |
| 2015-09 | 6 | noncurrent p90 | charge-offs p90, capital falling |
| 2015-12 | 4 | NIM <2.5% | construction >100% equity, leverage <7%, noncurrent p90 |
| 2016-03 | 3 |  | NIM <2.5% |
| 2016-06 | 4 | capital falling |  |
| 2016-09 | 2 |  | reserve under noncurrent, expense ratio p90 |
| 2016-12 | 2 |  |  |
| 2017-03 | 1 |  | losing money |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | capital falling |
| 2018-03 | 1 | uninsured deposits leaving |  |
| 2018-06 | 2 | charge-offs p90 |  |
| 2018-09 | 2 | loans exceed deposits | charge-offs p90 |
| 2018-12 | 0 |  | uninsured deposits leaving, loans exceed deposits |
| 2019-03 | 0 |  |  |
| 2019-06 | 2 | reserve under noncurrent, construction >100% equity |  |
| 2019-09 | 1 |  | reserve under noncurrent |
| 2019-12 | 1 | capital falling | construction >100% equity |
| 2020-03 | 2 | construction >100% equity, uninsured deposits leaving | capital falling |
| 2020-06 | 3 | noncurrent p90, reserve under noncurrent | uninsured deposits leaving |
| 2020-09 | 0 |  | construction >100% equity, noncurrent p90, reserve under noncurrent |
| 2020-12 | 1 | deposits shrinking |  |
| 2021-03 | 2 | assets shrinking |  |
| 2021-06 | 4 | reserve under noncurrent, construction >100% equity |  |
| 2021-09 | 3 |  | reserve under noncurrent |
| 2021-12 | 4 | NIM <2.5%, reserve under noncurrent | deposits shrinking |
| 2022-03 | 3 |  | NIM <2.5% |
| 2022-06 | 4 | deposits shrinking, uninsured deposits leaving | reserve under noncurrent |
| 2022-09 | 4 |  |  |
| 2022-12 | 5 | loans exceed deposits |  |
| 2023-03 | 5 |  |  |
| 2023-06 | 1 |  | assets shrinking, deposits shrinking, uninsured deposits leaving, loans exceed deposits |
| 2023-09 | 5 | loans exceed deposits, capital falling, noncurrent p90, reserve under noncurrent |  |
| 2023-12 | 4 |  | loans exceed deposits |
| 2024-03 | 4 |  |  |
| 2024-06 | 3 |  | capital falling |
| 2024-09 | 3 | charge-offs p90 | noncurrent p90 |
| 2024-12 | 3 |  |  |
| 2025-03 | 1 |  | reserve under noncurrent, charge-offs p90 |
| 2025-06 | 1 |  |  |
| 2025-09 | 2 | capital falling |  |
| 2025-12 | 3 | loans exceed deposits |  |
| 2026-03 | 2 |  | loans exceed deposits |
| 2026-06 | 2 | loans exceed deposits | capital falling |

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

- 2026-08-20 [Skiatook police seek help identifying familiar fraud suspect - News On 6](https://news.google.com/rss/articles/CBMilAFBVV95cUxORWMzTlVyeUphNlFiYWQwUEpBS2pvZW5LZXBURmhraWxxQlJtWkViTWlfSGpscHlkNzE3SUpTcU5CRFRNN0JWWFZyTU9TQnBHZVVBaEFFNG4zMlFTV0pzLWh4Skc0LXJzaERQV05JOGRBcDl3V3NuTTE3eHF3RjQxSmtvM3RWQUZESkdtaF8zZmkzeGRD?oc=5) · News On 6
- 2026-06-22 [Former Tulsa firefighter receives sentence for third bank robbery charge - KTUL](https://news.google.com/rss/articles/CBMiogFBVV95cUxQOEtleldMQjF6a3dqS0JRbnItZEF0QUQtT1cwc3Y3aUNPNW44WUJxZ25XLVIzSC02N3RvN0dTQVMxMDhwUkpzbWtfM1dDbmhjXzFtemtTX1FiT1Ztbmg3V1IzWmUyZ05PMW96TWRraFV0dlZIeHBkTGpWQ0NoYVYwWVA1dTF4ZUlSczdKZWl3VkdkUHRjWTNaMzBETDlIRWg4c0E?oc=5) · KTUL
- 2026-08-20 [Serial bank bandit sought after latest strike in Skiatook, police say - KFOR](https://news.google.com/rss/articles/CBMilgFBVV95cUxPX0hvbTVJeUltUVFVQzFvanM0aFVjOF9zeVZkSm04ekhfak1jT1pldGhZei1CemttX2NuQkFRNGRhMWNmLUxacVg3Z0FSS2RFV1JCaFhETlM3U3A5UVAxSnc3RW9mZ18xQmFBeFdsNm5JSHlsUFJ0ekZKTFFYUE12NnhuWmpUbmxBUE1iSldkMTJJSmU1a0HSAZsBQVVfeXFMTzBEYWxPenBMTS1oN251dWZnOXVpQUlBR2VtVzR2Wk1DQUJhUmM1MFFldUh2OFNBcjNrdGVXZHIyWkU2MWNuUzJSWkJxb1lza1hIMEs5X3d3NjFsV1NReDBNUUxtQndaU19tamNiLXZ0QUxrYXNsSi1sbGxmS0tqWmRUc0ZLVUhONVUwZGl1Q3BSVUdaSFQzM1BDbzA?oc=5) · KFOR
- 2020-07-15 [CRIME SCENE - Pawhuska Journal Capital](https://news.google.com/rss/articles/CBMiigFBVV95cUxOcWVtYWFPYTdKSkMwcWx5T01JdTNPeDY0UTE2TFVjODB1MEJHVVhmLVRfRDI1N2JaV2JNeHNJSFFuYzItM2M1RnloSzBTbllXLXBmZU85NUUtOGpmVHhMNUhtOUdoODRjZHNha2JfcGE5b1RuZkltWWpQcmRzZnBkYXhPTE5ENzBMSmc?oc=5) · Pawhuska Journal Capital
- 2017-11-10 [Q&A with Donna Miller: Women on Boards co-founder to keynote Oklahoma City event - The Oklahoman](https://news.google.com/rss/articles/CBMi5gFBVV95cUxPazU0UGpkQWlvZkJJOGM2ZWQ0VGNKdmVfbE9oQm1rQ2dNQVY5MzJkeW1xUThSakktbHVtZ2Q4QUtzcXBHTVhxY3Z5Rk5hc3RFNlFqeDNZUl95blNJSUdHbWdHbDA0NGQ3YTRLaDIxN1Zzcms0YkRvQ3VEMEhQd3laYzhzU3ZnQndFRjdVQjA0QjJoZmRYQVdHdGtMdGVZRUVVaVhwRXpkZEY3NFBxWWJLalFpVUJjZ19iN1pMWEJJZW9EY3oxNEdyYVVmZHBEQkVXdGwxZUVfMTBqclRuQVpIbTNsYmVrQQ?oc=5) · The Oklahoman
- 2020-05-19 [Court documents detail alleged robberies, money deposits in Tulsa fire captain arrest - KTUL](https://news.google.com/rss/articles/CBMitwFBVV95cUxNREJIMV9hWjNIRkVmLWtJVHViVldoa183TnljaEVnWlBWU2lYbEpKaThJSWFpYzZmdzVQMFZhX3lqcDlycEpMZU85QW12TUkybHk5UWdHOEVqNlVSazJjbl9BNlVPMUszVVNtWUNWbVJhcDVrdE9WUFdlUEhRSlNkUkR6eUNLSXdyUG1rbFNOdDVEN25MdENGbEFmYnRyZ2R4WE1NMFJzOHcxLUZUWm5YYVRlM2d0NmM?oc=5) · KTUL

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=18856 (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 "18856", 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