# KIRKPATRICK BANK
EDMOND, OK · FDIC certificate 20156 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 1 (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 | $1.00B | |
| Deposits | $890.2M | |
| Loans and leases | $706.6M | |
| Total equity | $90.9M | |
| Loans / deposits | 77.53% (p28 of band) | 87.10% |
| Liquid assets / assets | 29.20% (p74 of band) | |
| Uninsured deposits / deposits | 30.23% (p48 of band) | 30.76% |
| Brokered deposits | 8.94% | |
| Wholesale funding | 9.78% (p64 of band) | |
| FHLB advances / assets | 0.85% | |
| Tier 1 leverage | 10.67% (p53 of band) | 10.50% |
| Unrealized securities loss / equity | -28.39% (p11 of band) | -7.75% |
| AOCI / equity | -0.46% (p38 of band) | |
| ROA (annualized) | 1.66% (p77 of band) | 1.26% |
| Net interest margin | 3.41% (p32 of band) | 3.70% |
| Efficiency ratio | 61.26% (p57 of band) | |
| Noncurrent loans | 0.00% (p4 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p18 of band) | |
| Reserve coverage of noncurrent | 819100.00% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 120.33% (p94 of band) | |
| Auto loans | $823,000 (0.12% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 4.9% | |
| Employees | 122 | |

## Flags firing in the latest filing

- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | wholesale funding >15%, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 2 |  | reserve under noncurrent |
| 2011-12 | 1 |  | wholesale funding >15% |
| 2012-03 | 3 | brokered >10%, wholesale funding >15% |  |
| 2012-06 | 4 | capital falling |  |
| 2012-09 | 2 |  | brokered >10%, capital falling |
| 2012-12 | 2 |  |  |
| 2013-03 | 3 | brokered >10% |  |
| 2013-06 | 3 |  |  |
| 2013-09 | 3 |  |  |
| 2013-12 | 2 |  | brokered >10% |
| 2014-03 | 2 | brokered >10% | wholesale funding >15% |
| 2014-06 | 2 | wholesale funding >15% | brokered >10% |
| 2014-09 | 2 | brokered >10% | wholesale funding >15% |
| 2014-12 | 1 |  | brokered >10% |
| 2015-03 | 4 | brokered >10%, wholesale funding >15%, capital falling |  |
| 2015-06 | 3 |  | wholesale funding >15% |
| 2015-09 | 1 |  | brokered >10%, capital falling |
| 2015-12 | 2 | wholesale funding >15% |  |
| 2016-03 | 1 |  | wholesale funding >15% |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 2 | capital falling |  |
| 2017-09 | 1 |  | capital falling |
| 2017-12 | 1 |  |  |
| 2018-03 | 6 | brokered >10%, wholesale funding >15%, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2018-06 | 1 |  | brokered >10%, wholesale funding >15%, deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 2 | uninsured deposits leaving |  |
| 2019-09 | 1 |  | uninsured deposits leaving |
| 2019-12 | 2 | charge-offs p90 |  |
| 2020-03 | 1 |  | charge-offs p90 |
| 2020-06 | 2 | charge-offs p90 |  |
| 2020-09 | 3 | capital falling |  |
| 2020-12 | 1 |  | charge-offs p90, capital falling |
| 2021-03 | 2 | uninsured deposits >50% |  |
| 2021-06 | 3 | capital falling |  |
| 2021-09 | 2 |  | uninsured deposits >50% |
| 2021-12 | 3 | uninsured deposits >50% |  |
| 2022-03 | 5 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-06 | 4 |  | capital falling |
| 2022-09 | 5 | noncurrent p90 |  |
| 2022-12 | 6 | deposits shrinking, assets shrinking | noncurrent p90 |
| 2023-03 | 5 |  | AOCI drag >20% of equity |
| 2023-06 | 6 | uninsured deposits leaving |  |
| 2023-09 | 5 |  | uninsured deposits leaving |
| 2023-12 | 5 |  |  |
| 2024-03 | 4 | capital falling, uninsured deposits leaving | uninsured deposits >50%, deposits shrinking, assets shrinking |
| 2024-06 | 2 |  | capital falling, uninsured deposits leaving |
| 2024-09 | 3 | uninsured deposits leaving |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 3 |  |  |
| 2025-06 | 3 |  |  |
| 2025-09 | 2 |  | uninsured deposits leaving |
| 2025-12 | 1 |  | securities losses >30% of equity |
| 2026-03 | 2 | capital falling |  |
| 2026-06 | 1 |  | capital falling |

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

- 2026-05-08 [Kyle Powell, Kirkpatrick Bank - journalrecord.com](https://news.google.com/rss/articles/CBMidEFVX3lxTE55Y2YyNHM4ZTJSMFpna2JscjRXN05XTUlRTlg0cXRwUnk5bmZYTHBsbnNvSW1ON1JUX0VBMWxVbkdTbzRJalA0Vmt6MXUwS2FKWk90aVNZcXNMMGNXZkdYWG53RExsUzhFVHRWalJFZUVzQldj?oc=5) · journalrecord.com
- 2026-04-24 [Kirkpatrick Bank names Kyle Powell president and CEO - journalrecord.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxNUWJEUkt5alliSmdSZXk1MFlIVHdUZHhxcVhoTkV3aFY4a0pGV0tmMTF4Tm9WaUJwakUxMmFhTnBZU2J1V1ZuVW5Uenc2b1Rwa2dicEhVR0dxODQzLTFHTDFqVGptWXd5V3NxNG9vWUhWR0JaaEZPYTdJanhiRnBaY1Z6UWd3YS1QYTIzZmxubw?oc=5) · journalrecord.com
- 2026-02-27 [Todd Glass, Kirkpatrick Bank - journalrecord.com](https://news.google.com/rss/articles/CBMic0FVX3lxTE5kLU5qOW1qelBydklPc1ZiQ1QwX0t0X2dCNzROc2JsMGpvZ1ItZjNqNXlmVkVfTkhqWXBZallfWHl4eFNYcTZaSzFmRGxOWHo5b1pSd29SY1dOUFY1OC16eTRTSC1ockpfbE93cDNsNUxQbWc?oc=5) · journalrecord.com
- 2013-03-13 [Oklahoma City-area banks offer financial planning programs, tips for kids - The Oklahoman](https://news.google.com/rss/articles/CBMi2wFBVV95cUxPZzJSZHZQdW85Ulp5bzhKLWdLbGlzdG01NFFPeGhOcjJPX2VwbG9zWTJSZE0tWWh0ZVdoSlptYlpUTmNKNWxMS2hQOFQwQXJhSUJ2SUc2dmw5VmxvcUh3VDc0Z2IxU2RpTURRTHBVQmo1a1VOWHdNdU1JZkw2c2R5MHB4LVdUYU5wNXp3c1hrNnhWdGprcFBMdzhFd2dia2tabGNYUUExUUNURGlMWTJwMEdCNTI0d19yM1RYemVkTW9KUFpLUXpZWlZwUEloQzdJa3dsN2RwSi1sWWs?oc=5) · The Oklahoman
- 2022-01-07 [OKCITYAN OF THE YEAR: Chris Keesee honors family legacy while looking to the future - OKC Friday](https://news.google.com/rss/articles/CBMirwFBVV95cUxPeTYxOFltcTR1TVhITXZOR0dZd3dlUEdxVzl6Wkw2am1KaGRZWE5OTEp6QkRtWmZXUm5oRmpkU0FfcWpEVXVkcnA2VTlLcWQ3YzIydVp0TkF3N25MdDJQenBBWmk3WWZXXzdFWF80eXpXN0pUT1JKTWU0cDM0TlpOVmFuUUR3eDlJcUhJbVY1cHU2N3A1bmhGaHd1RjhYcFI4NUw3d2F3NnMwelhuam5r?oc=5) · OKC Friday
- 2024-03-09 [Don Zachritz Obituary - Oklahoma City, OK - Dignity Memorial](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOYnRUNS1hcklhaHpjc3hFNmdjUjNVeUdJakxqbVdraHYwREY3b0FIZzRuYThVSDl1VWxTZHQ5VHlkTW9DVVBpcHA5Q2Z5Z0Q5anBXVnE0d3VRb3V6aFpnSWpBR3lzampyRmxTY3NPcUFHVzVRWUtZUDZWcVlnOFNRMllYZmxCOXBu?oc=5) · Dignity Memorial
- 2019-06-02 [Bank officer passionate about helping first-time homebuyers - The Oklahoman](https://news.google.com/rss/articles/CBMizAFBVV95cUxNN2FMX2tQOFFVR2hQVVhJVHo1amVvSHVaN3dwaVFkZkkwczQtbHBWSjBtSmZOZzB3YktTTGVCRHV2cWFRS010dkt2UFRzZ1Y2Z1VUTlNSUy13UVFMdmhBWnZFelpHWE5qLTE2S0tZNTgyMTFDUUJGZmg4RVF2Rkk3OVc2QU0xM0pzV0xXNGxTTDR3NWpXNmkyby01cWdpemgzMW5ic3laMEdITkgtT1AwczNldS1hRlBqUGh4N3RjemFRWUpPckgwTjA3REM?oc=5) · The Oklahoman
- 2025-04-25 [Shianne Hilburn, Kirkpatrick Bank - journalrecord.com](https://news.google.com/rss/articles/CBMiekFVX3lxTE5QTUYyQkh3Zy1ab201SHRZZ2pMUjNNWTJsRlFCNlV4bVN2dE1mdU4zUFYxUks2YjRiZk9wOGtCbmlTbEw1Nm9VYzA5STF4WXZ2TEloSGRSY0FPR0VHZVhLekJTQmZHSndiSThHZXFLX0NBbXNfUmNxMTVn?oc=5) · journalrecord.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=20156 (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/60.json (key "20156", 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