# LOCAL BANK
HULBERT, OK · FDIC certificate 2327 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 4 (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 | $463.1M | |
| Deposits | $382.6M | |
| Loans and leases | $350.3M | |
| Total equity | $47.0M | |
| Loans / deposits | 90.98% (p73 of band) | 82.04% |
| Liquid assets / assets | 14.26% (p15 of band) | |
| Uninsured deposits / deposits | 14.39% (p11 of band) | 25.97% |
| Brokered deposits | 16.16% | |
| Wholesale funding | 23.10% (p95 of band) | |
| FHLB advances / assets | 6.94% | |
| Tier 1 leverage | 11.35% (p60 of band) | 10.81% |
| Unrealized securities loss / equity | -4.35% (p66 of band) | -8.10% |
| AOCI / equity | -0.31% (p52 of band) | |
| ROA (annualized) | 0.34% (p8 of band) | 1.28% |
| Net interest margin | 3.92% (p51 of band) | 3.91% |
| Efficiency ratio | 88.38% (p94 of band) | |
| Noncurrent loans | 0.52% (p55 of band) | 0.43% |
| Net charge-offs (annualized) | 0.04% (p74 of band) | |
| Reserve coverage of noncurrent | 120.32% | |
| Real estate % of loans | 68% | |
| Construction % of loans | 68.94% (p70 of band) | |
| Auto loans | $23.3M (6.66% of loans; DQ 1.09%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 15.6% | |
| Employees | 94 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **capital falling** (`cap_falling`)
- **expense ratio p90** (`earn_efficiency`)

## 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 | 1 | reserve under noncurrent |  |
| 2012-06 | 0 |  | reserve under noncurrent |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 2 | capital falling, charge-offs p90 |  |
| 2013-06 | 0 |  | capital falling, charge-offs p90 |
| 2013-09 | 0 |  |  |
| 2013-12 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2014-03 | 2 | deposits shrinking, assets shrinking | AOCI drag >20% of equity, securities losses >30% of equity |
| 2014-06 | 4 | charge-offs p90, uninsured deposits leaving |  |
| 2014-09 | 0 |  | deposits shrinking, assets shrinking, charge-offs p90, uninsured deposits leaving |
| 2014-12 | 1 | charge-offs p90 |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 0 |  | charge-offs p90 |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | capital falling |  |
| 2016-06 | 0 |  | capital falling |
| 2016-09 | 0 |  |  |
| 2016-12 | 2 | deposits shrinking, assets shrinking |  |
| 2017-03 | 1 | expense ratio p90 | deposits shrinking, assets shrinking |
| 2017-06 | 1 |  |  |
| 2017-09 | 0 |  | expense ratio p90 |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | capital falling |  |
| 2019-06 | 0 |  | capital falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | uninsured deposits leaving |  |
| 2020-06 | 0 |  | uninsured deposits leaving |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | charge-offs p90 |  |
| 2021-06 | 0 |  | capital falling, charge-offs p90 |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 1 | brokered >10% |  |
| 2022-09 | 2 | wholesale funding >15% |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 2 | capital falling | wholesale funding >15% |
| 2023-09 | 3 | wholesale funding >15% |  |
| 2023-12 | 2 |  | wholesale funding >15% |
| 2024-03 | 1 |  | brokered >10% |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 3 | brokered >10%, wholesale funding >15% |  |
| 2025-03 | 4 | expense ratio p90 |  |
| 2025-06 | 2 |  | brokered >10%, expense ratio p90 |
| 2025-09 | 5 | brokered >10%, expense ratio p90, uninsured deposits leaving |  |
| 2025-12 | 5 |  |  |
| 2026-03 | 5 |  |  |
| 2026-06 | 4 |  | uninsured deposits leaving |

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

- 2026-09-09 [Bob Payton named to bank board - Times Record News](https://news.google.com/rss/articles/CBMirwFBVV95cUxQQkNPV21EZFJsVV9UYlExb0ZuOWlqWWZXY1hFbjFzeUJUNURkRzFkU19Nc2xVeS13clFRaHROUG5iN2VKcGg4WkhOMzdWWkg5V0pBdUxlcFl3WFpDZnN6ZFI2T05JWFVqaGwtd2wyUkRiSEw5VUpMUnFVZWpKUkk4eTN2ODA1S2hWU0gzMllqVzdMUUZ3ZFRkcjhTMUNkVzB1ZzZYN19tZV92ZzBjTktB?oc=5) · Times Record News
- 2026-07-08 [Officials release details on suspect arrested in Fairland Bank robbery - FourStatesHomepage.com](https://news.google.com/rss/articles/CBMimwFBVV95cUxPMVVhYXBwVWdNM2NVenlzM2p3a3lqQ05XVkN2bWJKS0haUE1pdUJISU9ialJueUtYdkVxYmc3QV9FMVN1Tk4yclM5OGpuaVFuUVFrQ0tHNUJKUmFubzI5c0sxU3hBVUxpdGlHYU1qVUFaRGxvYnRrb2FqMXluZ0hCN0kxM1Q1YWVJRlZDZG8teTF2dE1JLVY1STNZRdIBoAFBVV95cUxNeUQwUHJiUGFvVWYzVEdBX2dKWVBwNWJhLWVzYkVQU2VwOVAwSHI3OFIwRzlBNXhBM1lYU256dGh2dFN1V0xscUI0VGJOaGZXalBjRm5FLVIweWtLTG9PTHVLcHkyRmxjTE12X0doZ2tNNkQ5a2JPV0JtaHJKb1pLSUoxeUx0WG5EbWpqX3lSelVyanV2Y2hlcGUxR1dId0M2?oc=5) · FourStatesHomepage.com
- 2026-04-16 [Toledo police looking for suspect who allegedly used fake ID to steal from local bank; also wanted in Oklahoma - WTOL](https://news.google.com/rss/articles/CBMimgJBVV95cUxQZ2RUSmQzUHAwRDVVTlZTNEhJTjdzNEV4dmZDTl9tXzJHd05faEtVZUFQQjVSOGV2aUhna0poLXp5TGIxWkRzMjhEYTcydTk0VzRPNW50YTFVV25TWlgwRFRGWFdNMFVCNXQxckY1TkJfWmVFNVU3d3pMbndpcEZBX1FTNUNfLS1FckpxYW94dUtYajQ3LUpJSG9sMWxqRENUSm9PN1kzT0VJTDZSZmo4bm1jbU50WXkwenJvMEV1eHBaWmN1Y050SFRQbzRvd3NzTnU3YTB2N1NQT2hUZThXRi1ITmxBdm5VbU1Wd1REN0M2RUphNWlVeElYQ1R4NkYyOG9ObHRHeF96N2FFNW02UThEd2VFWjg3LXc?oc=5) · WTOL
- 2026-04-08 [Suspect arrested for a string of fraudulent bank charges - KFOR](https://news.google.com/rss/articles/CBMijgFBVV95cUxPeXZ4cTI2VlQ5cFppR3BBdGJGSDNrMTNzaVZJQy1QLVZTTmY5YnV4NTR6ckhKcExyMjJmVHFidEVfTWhCN3hmb012ekhkUldFaUdoVzVGamNQZG5TQkhZTGh6c0FES3B2RFo0MFhfaHRhQjk5SXpQS002R2ZjTzI5SDdLTHNsTk42alh4TnVB0gGTAUFVX3lxTE44UjZUa29FTTVvVDNxZVZBQmhILUNUSkN2eGkwZWpjbWNwelNUWHQ0dFNQWGQ4NjN1RWd5RkFSa2ozNFZpcU5IT1hvVlJBVEFyNU16Vk9MaGZXVVdnVUcxNm92OXR5YjNEV0VWUkhPcFcwdWJNUzJoN0I5Tmlydkk0azlOSXJxZkFDY3ZmZ210d0VWNA?oc=5) · KFOR
- 2026-07-06 [Bank branch closures: is your local bank closing? - which.co.uk](https://news.google.com/rss/articles/CBMiugFBVV95cUxOblEyUzcwY0tHUHlxMVQ1MlhfdTdEM1NHMXptMUxhRjhJMDl1b1UxMmJiV2NnbkgyZ0ZFVWpyUnJWSnFqUFN3OFZYWlIwRUs1cWpPMHdqLW9NREV6cnhsRlRXTHVuN0EtWmNsUEJNUDZ6ZGhfNm1mSS1rMU9uWDJPN1Z2WFFwSS15WFhGd0JnT2RGeEdaTkp1bDREazBLU3pKeXVfNUJ6UXF5QklJd0tFUG9pTXJtWnlObnc?oc=5) · which.co.uk
- 2023-03-06 [Rebranding and expanding: Bank of Cherokee County becomes “Local Bank” - cherokeephoenix.org](https://news.google.com/rss/articles/CBMi6wFBVV95cUxNR2NValRMeDRTSGJkSDZfUzVaWDZzUW50R2lWVzI0MGRwLUVJWDF0dHVnbUFSX29yS0JlbzhtMXF6T1NFdmxyNXpsYk9INjJkLTk5RXo4MHRvdUJ0Q3RvZ3hjdTh2SVhKTmxrRXVzT0pwbnhraENVd3BSRE5ZNTVDZ1psVnJ4cWw5Z2NRS0J5Wl82dWR2Sl8xOV9ybTZQUzFCVG5TWWNXY1ZSamxURF9JWVR6dmx0V2dldUk0UGRMVUd0WU9LYzhBUDZyS3VJeEtqb0QwRXFjQ2ZhUzU2LWRqS2k3QUF4OGUwV3lr?oc=5) · cherokeephoenix.org
- 2026-01-07 [PCPD Asking for Help Identifying Suspects who Stole $34,000 from Local Bank - Ponca City Now](https://news.google.com/rss/articles/CBMiuwFBVV95cUxQVVlHSEhaaE42U2FxamY4dllISmVhM3Q5Q0FuTGlXU1lCSl9NQzl0akNSZTk5SXlTVW9ZTkZsSTdIRTRpWnlfUHNMdV9OOFFERFV0c29GVTZpZEl5SHFFNnVXZjdhd3B6RGtFbzE2eGN4dXdOYU1rbXZIYVBkZC1YNFQ3dkJONkRVU29ic2pUa09JOGZIc2ZHY0t2c3JtRE1Ock1tZWM5LS1Ta0dMdjU2UzlGdG9SOGF2NnVB?oc=5) · Ponca City Now
- 2023-03-03 [Bank of Cherokee County rebranded as Local Bank - journalrecord.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxPVjV6RF85c1NCM29UMDFhWkdxR0kyaVUtV3ltS2c4RW5ZV2xvRzJHeERUOEZuemZTSjE2dFpIb2k4aW9YcDE5OWJDVGJOYVg0MDF4aDNvRFNmaHNWUGhtUWphSzhXb1FnbnRTMU4wMm10NmkwTnR2SVFweUF1dkp4Y0FNcG4xdm5ncnJheGhB?oc=5) · journalrecord.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=2327 (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/23.json (key "2327", 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