# AVB BANK
BROKEN ARROW, OK · FDIC certificate 2326 · 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 | $612.3M | |
| Deposits | $541.5M | |
| Loans and leases | $453.1M | |
| Total equity | $49.8M | |
| Loans / deposits | 82.37% (p51 of band) | 82.04% |
| Liquid assets / assets | 22.52% (p42 of band) | |
| Uninsured deposits / deposits | 25.92% (p50 of band) | 25.97% |
| Brokered deposits | 9.44% | |
| Wholesale funding | 11.89% (p82 of band) | |
| FHLB advances / assets | 2.45% | |
| Tier 1 leverage | 9.46% (p22 of band) | 10.81% |
| Unrealized securities loss / equity | -14.00% (p34 of band) | -8.10% |
| AOCI / equity | -0.83% (p28 of band) | |
| ROA (annualized) | 0.93% (p28 of band) | 1.28% |
| Net interest margin | 4.23% (p69 of band) | 3.91% |
| Efficiency ratio | 71.96% (p77 of band) | |
| Noncurrent loans | 0.41% (p49 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p23 of band) | |
| Reserve coverage of noncurrent | 379.36% | |
| Real estate % of loans | 86% | |
| Construction % of loans | 147.19% (p96 of band) | |
| Auto loans | $397,000 (0.09% of loans; DQ 6.05%, NCO 0.00%) | |
| Loans to nondepository financials | $4.2M (8% of equity) (p96 of band) | |
| Deposits YoY | 17.0% | |
| Employees | 85 | |

## Flags firing in the latest filing

- **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 | 0 |  | reserve under noncurrent |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2012-12 | 1 |  | deposits shrinking |
| 2013-03 | 2 | charge-offs p90, reserve under noncurrent | uninsured deposits leaving |
| 2013-06 | 1 |  | reserve under noncurrent |
| 2013-09 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2013-12 | 0 |  | charge-offs p90, deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2014-03 | 1 | charge-offs p90 |  |
| 2014-06 | 1 | capital falling | charge-offs p90 |
| 2014-09 | 1 | reserve under noncurrent | capital falling |
| 2014-12 | 0 |  | reserve under noncurrent |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 1 | brokered >10% | capital falling |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 2 | capital falling, expense ratio p90 | brokered >10% |
| 2016-06 | 1 |  | capital falling |
| 2016-09 | 1 | brokered >10% | expense ratio p90 |
| 2016-12 | 2 | expense ratio p90 |  |
| 2017-03 | 1 |  | expense ratio p90 |
| 2017-06 | 4 | wholesale funding >15%, capital falling, construction >100% equity |  |
| 2017-09 | 3 |  | construction >100% equity |
| 2017-12 | 2 |  | capital falling |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 | capital falling | wholesale funding >15% |
| 2018-09 | 1 |  | brokered >10% |
| 2018-12 | 0 |  | capital falling |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | capital falling |  |
| 2019-09 | 0 |  | capital falling |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | charge-offs p90 |  |
| 2020-12 | 1 |  | capital falling |
| 2021-03 | 0 |  | charge-offs p90 |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | capital falling |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 2 | AOCI drag >20% of equity, construction >100% equity | capital falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 3 | deposits shrinking |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity, deposits shrinking |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | securities losses >30% of equity |  |
| 2023-12 | 1 |  | securities losses >30% of equity |
| 2024-03 | 4 | wholesale funding >15%, capital falling, uninsured deposits leaving |  |
| 2024-06 | 3 |  | wholesale funding >15% |
| 2024-09 | 2 |  | capital falling |
| 2024-12 | 2 |  |  |
| 2025-03 | 1 |  | uninsured deposits leaving |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

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

- 2025-04-08 [America’s Best Regional Banks and Credit Unions 2025 - Newsweek Rankings](https://news.google.com/rss/articles/CBMigwFBVV95cUxOcGx5cWRnX3M1WmFBczB1UkNfTG5UT0x0WVp0ZWc3UHdqRVoxSEtvQVdxdC1DLWM4eVduOFhqWnFKbGV4MjZlVjRZZlJlZVRFaGxNZDE4dVZJVkFNQ3NseFFhS2pveDlIMmhMTnNUZFpEdUNaRVJJQnpTRnhaS0d3U05oSQ?oc=5) · Newsweek Rankings
- 2023-05-13 [Fiesta de Mayo 2023 in Broken Arrow's Rose District - KTUL](https://news.google.com/rss/articles/CBMihAFBVV95cUxOTl9HSlFXTjFyYzVyN3hrT215NXY3MG14T2tZTUIzeExMVWU4V3pEdEZ6b0Q3S1c2ZERRMTE2a0RoN3dRVlFYUHIxdkR0TGFpUzFPMjBxTEUwVTJoWXBLejcwMjBQRVFZMG1WWjJtSFlFbjNxMFlFNkxBWmtzakNkOExSeFo?oc=5) · KTUL
- 2023-10-15 [Carolyn Sue King's Obituary, Visitation & Funeral Information - floralhaven.com](https://news.google.com/rss/articles/CBMicEFVX3lxTFBsLTFSYmwxQzIwLWtCR2ROOGxiaTR0XzMzS25vUkVSN182cXVab3FlZ3BSTVNHSE9LeHcxaGc3SlRrQlYwUVhNa0ZPcjF4aGlpZENFb3FhY0ltVVM2ZkFLeXpjbHA0Z25rTTlUd2kzczc?oc=5) · floralhaven.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=2326 (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/22.json (key "2326", 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