# QUAIL CREEK BANK
OKLAHOMA CITY, OK · FDIC certificate 21848 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. 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 | $831.2M | |
| Deposits | $756.5M | |
| Loans and leases | $619.5M | |
| Total equity | $72.2M | |
| Loans / deposits | 80.95% (p48 of band) | 82.04% |
| Liquid assets / assets | 24.95% (p50 of band) | |
| Uninsured deposits / deposits | 34.87% (p79 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.07% (p14 of band) | 10.81% |
| Unrealized securities loss / equity | -3.63% (p69 of band) | -8.10% |
| AOCI / equity | 0.11% (p85 of band) | |
| ROA (annualized) | 1.72% (p76 of band) | 1.28% |
| Net interest margin | 4.17% (p66 of band) | 3.91% |
| Efficiency ratio | 56.80% (p36 of band) | |
| Noncurrent loans | 0.65% (p61 of band) | 0.43% |
| Net charge-offs (annualized) | 0.06% (p78 of band) | |
| Reserve coverage of noncurrent | 179.68% | |
| Real estate % of loans | 94% | |
| Construction % of loans | 93.53% (p84 of band) | |
| Auto loans | $4.7M (0.76% of loans; DQ 0.04%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 5.5% | |
| Employees | 83 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 0 |  | capital falling |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 1 | capital falling |  |
| 2012-12 | 0 |  | capital falling |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | reserve under noncurrent |  |
| 2014-09 | 2 | capital falling |  |
| 2014-12 | 0 |  | reserve under noncurrent, capital falling |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | capital falling |  |
| 2016-12 | 0 |  | capital falling |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | reserve under noncurrent |  |
| 2018-06 | 2 | capital falling |  |
| 2018-09 | 3 | noncurrent p90 |  |
| 2018-12 | 2 |  | capital falling |
| 2019-03 | 2 |  |  |
| 2019-06 | 1 |  | noncurrent p90 |
| 2019-09 | 2 | noncurrent p90 |  |
| 2019-12 | 1 |  | noncurrent p90 |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 2 | noncurrent p90 | capital falling |
| 2021-03 | 1 |  | noncurrent p90 |
| 2021-06 | 2 | capital falling |  |
| 2021-09 | 2 | noncurrent p90 | capital falling |
| 2021-12 | 2 |  |  |
| 2022-03 | 1 | charge-offs p90 | reserve under noncurrent, noncurrent p90 |
| 2022-06 | 2 | capital falling |  |
| 2022-09 | 1 |  | capital falling |
| 2022-12 | 2 | deposits shrinking, assets shrinking | charge-offs p90 |
| 2023-03 | 2 |  |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 0 |  | deposits shrinking, assets shrinking |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 1 | capital falling |  |
| 2024-09 | 0 |  | capital falling |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 1 | capital falling |  |
| 2025-12 | 1 | reserve under noncurrent | capital falling |
| 2026-03 | 0 |  | reserve under noncurrent |
| 2026-06 | 1 | capital falling |  |

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

- 2026-08-04 [How to nominate your favorite teacher for Teacher of the Month - koco.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxQTXg4OTF4VHM1QWM4eXhNbmNMOU85SGFRU19QdWk2TGNzTUk4MmJFRU9QVUVydVd0cEcyVnZvdUZNZEZwQ0lVQ0s3WUpSYmdRSjRRN1RyWFNockhoYVA5SGhMWXdfOGRSM3VHOGZQT084Q0U2am9xV3hSWENHRW9pbC1RVWVPSHNyWUdTem9qeG96QTlVZ3pWalh3?oc=5) · koco.com
- 2024-12-03 [Quail Creek Bank Celebrates 50 Years - City Lifestyle](https://news.google.com/rss/articles/CBMie0FVX3lxTFBBb0RKemhDX0NMc0pJeWxqM2Y0ZVFXMko0ZGQ1WFRqY2YzZm80QWZ1SE1tMEJRUDByakdzcTJGUFB1V0hwdDFSN0s5cFp4aElGX3dNNmVZVmcxdXZiNURlQi16RmNTT1FkOGZ5RGtGZnp6NFMzOFNzRU9YUQ?oc=5) · City Lifestyle
- 2025-03-09 [Erin Batey, Quail Creek Bank - journalrecord.com](https://news.google.com/rss/articles/CBMic0FVX3lxTE5hUzY4c244U1pVWGp4Sl9OdXFfRnh3QjF3RWM2SUdlQU5KQVJvelJWeFVaMllxT2hoNFRVWlpYNWtQLXNmTjF1TURkVlVlX1l5Q0dhZzd3a3ZaUmw0cG8ydEk5X2h0Tk80amZvcl9WX0dGOVU?oc=5) · journalrecord.com
- 2022-03-03 [OKC bank switches to state charter - southwestledger.news](https://news.google.com/rss/articles/CBMieEFVX3lxTE4tVi1mcWJwS04zeUpGWVE2dExQX1FCcVZ4V1Zkakx6NjI5ejJIZ3NsYXlDVUM4SktpZkRsZlBsUURMRUp0OFdOZE4yZUhBbElERDJ1Y2ZHWTVnQ1JVRlJmMXhWRFZlMFRzSEZzb0ZsYXhSYTlWZGM3Zw?oc=5) · southwestledger.news
- 2014-12-18 [Quail Creek Bank marks 40 years of excelling - Edmond Life & Leisure](https://news.google.com/rss/articles/CBMikgFBVV95cUxQc1N1TFpuSkFJZmRLTDlQLXQtSzc2WnhaYzJyVkZsbE1SVmJrYl9ic1BoemFvWmVJNDBFcUdiOGNicTZuSG1MeFVoS09qOUlOZGhDdmVPekhfY19vN0xmNTNKVDNYWjFxbkhhdjFTOVlKNldXSnQ3OUtBNGg3MzVONG9NV1hMLTVjc21tREVsb2xHdw?oc=5) · Edmond Life & Leisure
- 2012-06-17 [Executive Q&A with Doug Fuller, president of Quail Creek Bank - The Oklahoman](https://news.google.com/rss/articles/CBMizAFBVV95cUxQby1vQ1V0emFsNkJXY29VbDFSVVgyUkJuZHd2MnZQNnVsQVJDRk9Bb0d5N1FhaW9DUDU0SFRhcEVxTTU3Q1dMWmJpQ09xZ3hqNkhiekYyTWpmRmNxYWtQSjNHWE4tVUJ0M0RteVI2Q0dockRVWml0TlBWOUZoM0tfM1ZuWkNoZ1c3QVV3TXRnN3NCYnR2U3BuU25BM01FNlV1dDE4QVhBdkxJMDVoYm9UYUlqRzkyeGhNOWk0NUhoS21QNjNnX21IZWJFU1c?oc=5) · The Oklahoman
- 2021-09-14 [Local bank president named Chairman of the Community Bankers Association of Oklahoma - Guthrie News Page](https://news.google.com/rss/articles/CBMiswFBVV95cUxOVlJ5aWZpNklUN3JPWnhrdExjRndBREQtNEJTTURFQzhmUURTY3ROUWVxM21GTVlHRWpyRmlzWmg2azkzTElBVHN6ZTlBUmVGcHBsU1RGaVFGbzYxRGs2cXAwNUppLWlwRWl5MmdtSHZRbnI1ZnJ4SEU4ZVBQM085SWFXRmxmVms2c2lQNE83RnctTkFfOXlVVmZSUDJHMVN5ZlkzaWdLeXVyblhYMS1wNkVqZw?oc=5) · Guthrie News Page
- 2025-09-27 [Dianna Annette Pritchett Obituary (2025) - Yukon, OK - Yanda & Son Funeral Home and Cremation Services - Yukon - legacy.com](https://news.google.com/rss/articles/CBMihgFBVV95cUxPbGZ4RFp6bC1hb0FNbmtYenh1YWZid2lpQmhGQUR2UVFfMFlrZ2U4UmdLMEVzZzBBSjE4YVBVRGw4SkZUSlNDcEJYYjNyQUJZbTIwcVFhWGh5VWNkRzJkb2lKOHBkVFUwTml0ZjdEaVN1YS16V0VfZXlhZmFXakJHVEtjZVBpZw?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=21848 (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/24.json (key "21848", 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