# COPPERMARK BANK
OKLAHOMA CITY, OK · FDIC certificate 18957 · asset band $1-10B · latest filing 2013-03 · stopped filing (departed)

**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 | $1.25B | |
| Deposits | $1.12B | |
| Loans and leases | $847.6M | |
| Total equity | $121.1M | |
| Loans / deposits | 74.82% (p43 of band) | 77.83% |
| Liquid assets / assets | 28.01% (p49 of band) | |
| Uninsured deposits / deposits | 18.25% (p42 of band) | 20.86% |
| Brokered deposits | 6.40% | |
| Wholesale funding | 6.40% (p44 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.52% (p47 of band) | 9.62% |
| Unrealized securities loss / equity | 0.02% (p10 of band) | 3.09% |
| AOCI / equity | 0.00% (p80 of band) | |
| ROA (annualized) | -0.82% (p2 of band) | 0.87% |
| Net interest margin | 3.46% (p48 of band) | 3.49% |
| Efficiency ratio | 133.49% (p98 of band) | |
| Noncurrent loans | 0.06% (p3 of band) | 1.52% |
| Net charge-offs (annualized) | 0.05% (p37 of band) | |
| Reserve coverage of noncurrent | 2165.13% | |
| Real estate % of loans | 76% | |
| Construction % of loans | 126.60% (p99 of band) | |
| Auto loans | $798,000 (0.09% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $3.1M (3% of equity) (p87 of band) | |
| Deposits YoY | -2.0% | |
| Employees | 231 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 1 |  | reserve under noncurrent |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 3 | losing money, expense ratio p90 |  |

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

- 2013-04-01 [Coppermark Bank, Prosperity finalize merger - journalrecord.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNaHEwbk8yZnd2d1RFRXZ2aVlIMUN6VUFLXzJFTGEzYUJLOTU1NEhZbHY1MFlFVDRxMk80ZjQ4NjI3blMtM0V2MG1aeTdvdlEwWG5FMXZYT1pxSy1ndjRxRWRPRUoyOFZGNUhjRFZjSUxQZWtDc0pTNS1rb0dGb25XbDVyNEhBajFPMzd3?oc=5) · journalrecord.com
- 2013-08-30 [Merger creates Oklahoma's 7th-largest bank - The Oklahoman](https://news.google.com/rss/articles/CBMisAFBVV95cUxPWXQxRmhNOHRhb1BoaUluSHhIbnZESVFBbVQ5dVJUa2JaQTdaVVQyVFR2NURXdXV6eUVkLTNMd1pUcnZ3M2NhallDdE1vd0NkYnJIenVrQ3l4LU1nV3VYNVV6djNzMDZ3aWVkbUh6NG9CQ3BaazlwRHoxWWpjdVZsNjB0YWxxZllTNzgtYnVRbVBOZ01QS0FfVS1iS3NYTkE2VGRHTmFzVmpkZklyU2lmUg?oc=5) · The Oklahoman
- 2013-08-22 [He has 50 years of banking and a lifetime of integrity - Edmond Life & Leisure](https://news.google.com/rss/articles/CBMingFBVV95cUxNd0VILVphTGFLOE01MkRISFZOY2dCMUdJV3BiTHJ0Tk1jdHdyLTM4NVQ2ZVNqRGR0YzBqY2FZT0Q4ODdaYTVNbmdyR1hVRVZjSmxLOXRjZUZvNXRsTGl2TUxka004RThvbloxX1FKbzlaN2lKdTFselYtaVc3QUdFeTF2dVNOUEk0MWtrME8tMFFqaWRvNnJrQTJac1pBZw?oc=5) · Edmond Life & Leisure
- 2022-03-10 [Scott Armstrong Obituary - Bethany, OK - Dignity Memorial](https://news.google.com/rss/articles/CBMihAFBVV95cUxOMUlFUkJUVDVkdmx6YmpFTlpUZ2pFYUYzTXFVbUVYZlk2UE02MFpvYVl4dUlhekhHdzRtSm9JbTg5ME5rU1Yzd3BlbERWY05LdFVYbUZDeWhYcDQ4d0duZWJfT1p4c05xN0l4RFZkSVdzeDRuSmhoaHJkTjBZWk1ILW4xcTU?oc=5) · Dignity Memorial
- 2011-06-23 [Suspected Members Of ‘Pantyhose Posse’ Indicted In OKC Bank Robberies - News 9](https://news.google.com/rss/articles/CBMivAFBVV95cUxQM3lJZFNlN3B5MWFPMHc3UVhmNkQ3aHBBUmJmVnFfTE05azc4TGlBZ2daaWlkRmxsZm1DU2lPTnprSDBVTlE2V3lsRjNDRDg5cTBXREZKNjRTd2NDNkp1VE10U0dBa2VhT1lnbnFuSDRKUGhQLUFvT3k5V2MxSU9KMG9BVWZWM1EzcWZYc2NlbE9Wdko2Q0ZqMjk1X3EwU2FiNmI1cWQwcy1hVGdUNDJEMmRMV1ZfSVVPaEdiSQ?oc=5) · News 9
- 2013-06-09 [College psych major turns part-time teller job into eventual bank presidency - The Oklahoman](https://news.google.com/rss/articles/CBMi4wFBVV95cUxOaFBWYXZXQmFESlhrZ2dMZkRyWkg5RG42WE1tSWNTdW43RlpRYWt6aEtidEFMOTQzVnRrNU54RlY1dmtVUkVwcFNBQWF1NnNQdnl1VUNWOE9IYjZfSDF2bkhmUVRPYjhySmFHbEFUR2dKcVdFTWhFZ3dVVTA1SE9zdWFtalEyV2dXNDRvNGlIUnN3cXBfRjhpOHhPb1J5enZFLW1nVGJZaDlvT1IwRWxpanl6SnNPWUNLbW94UEpUeWVHaE96ekprZmtaR3ZJS2tBSW50ZHNvY0ttd1ViZmZzeTY4bw?oc=5) · The Oklahoman
- 2021-01-25 [Richard Bogert Obituary - Oklahoma City, OK - Dignity Memorial](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQN3owQVVtM0w4YWxRTUlISXlRbVFOVTFnMUxZNWZmR0QxUC1xVUtKb2RGSUQ4RGJJeHg4QldDa20teG5RallSSmZwb3NRYVp2ZW9LS0J1MGRhOG1LMDhKUzNTRDZoODY2VFhJMUt6cHJqUUNWOE9hSWZWUXc4c19OdGdocWU2QkVMZGw4?oc=5) · Dignity Memorial
- 2011-05-23 [‘Pantyhose Posse' robs Oklahoma City bank - The Oklahoman](https://news.google.com/rss/articles/CBMiswFBVV95cUxPOWl6UVpPbnotbWY0bGViTjE5bnpmTGxsdS1mNzRNeG1PcUVnU05pdF9vTXZaM0tjMzdOQjJkTko1aUt3d2NDSUJLRUdWdll3LXBzdTFUQmU1UE9GRVN4aE1jdnJEMTU3T3g2eHF0UXdaLXloZTBUdk5aVEpGbzZka1NiMTZQSC1xYTllY0ZJZHNpVFZUUnYyZHRSTEIwTFhUYzdwVmFfZmQxOGtuWjRVQnZJQQ?oc=5) · The Oklahoman

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=18957 (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/13.json (key "18957", 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