# OAK BANK
CHICAGO, IL · FDIC certificate 20226 · asset band <$300M · latest filing 2019-03 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. 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 | $201.3M | |
| Deposits | $163.3M | |
| Loans and leases | $141.2M | |
| Total equity | $35.7M | |
| Loans / deposits | 85.18% (p68 of band) | 76.50% |
| Liquid assets / assets | 24.99% (p37 of band) | |
| Uninsured deposits / deposits | 23.18% (p77 of band) | 15.89% |
| Brokered deposits | 15.30% | |
| Wholesale funding | 15.30% (p92 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 18.56% (p91 of band) | 11.35% |
| Unrealized securities loss / equity | 0.00% (p69 of band) | -0.33% |
| AOCI / equity | 0.00% (p8 of band) | |
| ROA (annualized) | 0.57% (p23 of band) | 0.99% |
| Net interest margin | 3.33% (p23 of band) | 3.80% |
| Efficiency ratio | 75.27% (p64 of band) | |
| Noncurrent loans | 0.80% (p59 of band) | 0.56% |
| Net charge-offs (annualized) | 0.03% (p75 of band) | |
| Reserve coverage of noncurrent | 187.71% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 1.34% (p19 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -4.6% | |
| Employees | 31 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | loans exceed deposits |  |
| 2011-06 | 0 |  | loans exceed deposits |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 2 | reserve under noncurrent |  |
| 2012-03 | 0 |  | capital falling, reserve under noncurrent |
| 2012-06 | 1 | reserve under noncurrent |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 2 | assets shrinking |  |
| 2013-03 | 2 |  |  |
| 2013-06 | 3 | deposits shrinking |  |
| 2013-09 | 3 |  |  |
| 2013-12 | 0 |  | reserve under noncurrent, assets shrinking, deposits shrinking |
| 2014-03 | 3 | charge-offs p90, reserve under noncurrent, deposits shrinking |  |
| 2014-06 | 1 |  | charge-offs p90, deposits shrinking |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 2 | charge-offs p90 |  |
| 2015-06 | 0 |  | reserve under noncurrent, charge-offs p90 |
| 2015-09 | 0 |  |  |
| 2015-12 | 2 | deposits shrinking, assets shrinking |  |
| 2016-03 | 0 |  | deposits shrinking, assets shrinking |
| 2016-06 | 1 | loans exceed deposits |  |
| 2016-09 | 1 | capital falling | loans exceed deposits |
| 2016-12 | 0 |  | capital falling |
| 2017-03 | 0 |  |  |
| 2017-06 | 2 | deposits shrinking, assets shrinking |  |
| 2017-09 | 0 |  | deposits shrinking, assets shrinking |
| 2017-12 | 1 | capital falling |  |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 3 | brokered >10%, wholesale funding >15%, uninsured deposits leaving |  |

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

- 2026-06-11 [Liberty MBB to Compete in Live Oak Bank Holiday Classic, Nov. 25-28 - libertyflames.com](https://news.google.com/rss/articles/CBMivwFBVV95cUxOX2FLc1Z5REd0Ym5TX0o1M3FCTVk1czdXd3JtQ1JJNE5UWTAtMU1vZWE0WFZsOWpYcW0zTEZyWXhBU0RYTUF5ZUN0eVZtdk1heDB1bXk3NTh6dnlOdE9nbXh2b1ltQ0Q0aGZjRG9nTXM3QU9uY0ZwUTNMNFFRWXpCN2ZKQmlwZjhGV0JGaHhqVE1mWGx2MEkyc0FwMk1FalFuWFhEbTBSRmp6LXhFNVVPeWtadDBJMXdGTTluQ09EQQ?oc=5) · libertyflames.com
- 2026-03-24 [Live Oak Bank CD Rates - Forbes](https://news.google.com/rss/articles/CBMidEFVX3lxTE1yZnBfNC1HTHNPWWhrbm5ILUlnN2dTMWRxSi1DaFBaOFQtMkFQZldyOTdfLXdDTEYxTUVIdXFrbUctcVU4cXZaUC13TGVfbmhGWTJHWVRKa0Fwa0ExUy10N0hrd3NHR2VrVWY2eVlpSWtSSnU3?oc=5) · Forbes
- 2026-08-03 [Live Oak Bank – $300 Bonus - Best Wallet Hacks](https://news.google.com/rss/articles/CBMiZEFVX3lxTE9FUU01SXgxaHRKdnRWM2NNUGFtLW4tVU93RlMwdUp6eEw5TU93RFJxZDZITG55VWJtQWxpVzNzVzh0SHZBZXBLVG5zNTE1Rkt1ZWZ6Y24weEl1c1pqMzdEZFlUM1g?oc=5) · Best Wallet Hacks
- 2026-07-13 [SBA Lenders: Best Options for 2026 - NerdWallet](https://news.google.com/rss/articles/CBMia0FVX3lxTE5DdWRnc194MzUtMzRmYTk0Si1FZ0NvT180RXJJMjFNc0tnMWNuMU1tQ1hVNGxqdlNqeFY1a3gxQ0tNcFBvNGFwVUdYX0ZMd1FUSmkwd29NbERwdFQ5ZUZjOXlucEwyUHg0UjU4?oc=5) · NerdWallet
- 2024-03-22 [Elon awards founders of Live Oak Bank the Medal for Entrepreneurial Leadership - Elon University](https://news.google.com/rss/articles/CBMiwAFBVV95cUxOXzlXUDdCMTlWTXpJbjIzUWpLaXhFSEkyUmxKRWdIRlpWdFBQQjBrTThPMmlUeXo5dmN3MkJ2eExtYjl4aWlPV2RqdEVlWUkyWnJDQXRNWnd2X3BKbVRNc2l2Tm5DbVJNSlpmY3pPN0ZKcUZ2Q3lQbTJmLS1MX1JsTjF5RjdLYzMyTlhydVFSbVVKX2N1U29nSmw0Z0V2YWRhVzZ0TnN1SmFKdG82cUtfVzJyUm1jSDN1eGtVVjF4a20?oc=5) · Elon University
- 2026-06-25 [Bob Dylan Expands 2026 Tour With New European Dates This October - That Eric Alper](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPbXZIanZ6MEhqMk9wbTE4X0hwSkhjTjB4UkJ5ejFsdGFIMGRGd3d3cG5pbVdoN3ltVVVObXA0VTFlcGpJYjJ6YVM3YU1xalhHOEdIaUQ3aFk3VlFEWkQ0Vm4tU0RFaXpUZFR6YkNQZWxkbk1MZXJoVktkX0hDTVJLdi1fX3FiV0RLQzRFVkNiWFQ3cDg0eUlKQ3FFcmR4NWhZdDVpZmxyaW1vUQ?oc=5) · That Eric Alper
- 2026-06-22 [Ella Langley ‘Dandelion Tour’ tickets: Best deals before new fall dates sell out - Cleveland.com](https://news.google.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?oc=5) · Cleveland.com
- 2019-02-20 [Wintrust plays small ball with Oak Bank acquisition - American Banker](https://news.google.com/rss/articles/CBMikAFBVV95cUxNbDlnWUhoMjhqdFJhWERuV0FuV0VBVTRHWmF0cW9ZUkRCQnFxMVVIWkpPOVB6MTVBbzlrZ1pKME1ibVZPTlZ6QmtfR3o3SThucWd6VUF0UWpHNVdyUU84TWlxVk1ZZkdudk5JZGlXNkhMcGhmOS1PRGtxbjJzcUt1WXRLMDNPNXVHU21uT0RocHY?oc=5) · American Banker

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=20226 (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/2.json (key "20226", 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