# BANKERS BANK
OKLAHOMA CITY, OK · FDIC certificate 26677 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 6 (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 | $310.5M | |
| Deposits | $243.4M | |
| Loans and leases | $245.7M | |
| Total equity | $39.6M | |
| Loans / deposits | 99.38% (p88 of band) | 82.04% |
| Liquid assets / assets | 14.34% (p15 of band) | |
| Uninsured deposits / deposits | 55.03% (p97 of band) | 25.97% |
| Brokered deposits | 18.07% | |
| Wholesale funding | 25.06% (p96 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.70% (p76 of band) | 10.81% |
| Unrealized securities loss / equity | -0.26% (p93 of band) | -8.10% |
| AOCI / equity | -0.32% (p52 of band) | |
| ROA (annualized) | 0.98% (p31 of band) | 1.28% |
| Net interest margin | 3.87% (p47 of band) | 3.91% |
| Efficiency ratio | 80.20% (p89 of band) | |
| Noncurrent loans | 1.93% (p87 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p29 of band) | |
| Reserve coverage of noncurrent | 82.12% | |
| Real estate % of loans | 74% | |
| Construction % of loans | 48.82% (p55 of band) | |
| Auto loans | $35,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $28.1M (71% of equity) (p100 of band) | |
| Deposits YoY | 18.8% | |
| Employees | 61 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **run vulnerability** (`liq_runrisk`)
- **reserve under noncurrent** (`aq_reserve`)
- **loans-to-lenders >50% equity** (`conc_warehouse`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | wholesale funding >15%, loans-to-lenders >50% equity |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 3 | capital falling |  |
| 2011-12 | 3 |  |  |
| 2012-03 | 3 | brokered >10% | capital falling |
| 2012-06 | 3 |  |  |
| 2012-09 | 4 | capital falling |  |
| 2012-12 | 3 |  | capital falling |
| 2013-03 | 4 | uninsured deposits >50% |  |
| 2013-06 | 4 |  |  |
| 2013-09 | 4 |  |  |
| 2013-12 | 4 | deposits shrinking | loans-to-lenders >50% equity |
| 2014-03 | 5 | loans-to-lenders >50% equity, assets shrinking | wholesale funding >15% |
| 2014-06 | 5 | wholesale funding >15%, expense ratio p90 | deposits shrinking, assets shrinking |
| 2014-09 | 5 |  |  |
| 2014-12 | 3 |  | uninsured deposits >50%, expense ratio p90 |
| 2015-03 | 5 | capital falling, expense ratio p90 |  |
| 2015-06 | 5 |  |  |
| 2015-09 | 5 |  |  |
| 2015-12 | 5 |  |  |
| 2016-03 | 4 |  | capital falling |
| 2016-06 | 5 | uninsured deposits >50% |  |
| 2016-09 | 4 |  | uninsured deposits >50% |
| 2016-12 | 5 | losing money |  |
| 2017-03 | 2 |  | loans-to-lenders >50% equity, expense ratio p90, losing money |
| 2017-06 | 5 | uninsured deposits >50%, expense ratio p90, deposits shrinking |  |
| 2017-09 | 3 | uninsured deposits leaving | uninsured deposits >50%, expense ratio p90, deposits shrinking |
| 2017-12 | 4 | expense ratio p90 |  |
| 2018-03 | 3 |  | expense ratio p90 |
| 2018-06 | 5 | reserve under noncurrent, assets shrinking |  |
| 2018-09 | 4 | deposits shrinking | uninsured deposits leaving, assets shrinking |
| 2018-12 | 5 | assets shrinking, uninsured deposits leaving | brokered >10% |
| 2019-03 | 7 | brokered >10%, capital falling, charge-offs p90 | assets shrinking |
| 2019-06 | 8 | expense ratio p90, noncurrent p90 | charge-offs p90 |
| 2019-09 | 6 | charge-offs p90 | deposits shrinking, capital falling, noncurrent p90 |
| 2019-12 | 5 | noncurrent p90 | uninsured deposits leaving, charge-offs p90 |
| 2020-03 | 5 | deposits shrinking, assets shrinking | wholesale funding >15%, noncurrent p90 |
| 2020-06 | 5 | wholesale funding >15% | reserve under noncurrent |
| 2020-09 | 7 | losing money, loans-to-lenders >50% equity |  |
| 2020-12 | 6 |  | wholesale funding >15% |
| 2021-03 | 2 |  | brokered >10%, expense ratio p90, deposits shrinking, losing money |
| 2021-06 | 1 | brokered >10% | assets shrinking, loans-to-lenders >50% equity |
| 2021-09 | 0 |  | brokered >10% |
| 2021-12 | 1 | capital falling |  |
| 2022-03 | 0 |  | capital falling |
| 2022-06 | 1 | loans-to-lenders >50% equity |  |
| 2022-09 | 3 | deposits shrinking, assets shrinking |  |
| 2022-12 | 5 | loans exceed deposits, brokered >10%, wholesale funding >15% | assets shrinking |
| 2023-03 | 5 | capital falling | deposits shrinking |
| 2023-06 | 4 |  | loans exceed deposits |
| 2023-09 | 5 | loans exceed deposits |  |
| 2023-12 | 3 |  | capital falling, loans exceed deposits |
| 2024-03 | 3 |  |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 3 |  |  |
| 2024-12 | 5 | uninsured deposits >50%, run vulnerability |  |
| 2025-03 | 4 | capital falling | uninsured deposits >50%, run vulnerability |
| 2025-06 | 6 | loans exceed deposits, uninsured deposits >50%, run vulnerability | capital falling |
| 2025-09 | 4 |  | uninsured deposits >50%, run vulnerability |
| 2025-12 | 6 | capital falling, deposits shrinking |  |
| 2026-03 | 7 | uninsured deposits >50%, run vulnerability | deposits shrinking |
| 2026-06 | 6 | reserve under noncurrent | loans exceed deposits, capital falling |

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

- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2026-01-30 [The Fed - Bankers’ Banks and their Role in the Federal Funds Market - Federal Reserve (.gov)](https://news.google.com/rss/articles/CBMixAFBVV95cUxPY0gyV0VDNGFoVXlEYVdGekpvTGIzdy1zZ0tJTVd3aFJpSC1CMmQ4RkIydkxLREZMNEFBYlNfcFJFcTNNSlZnYXY5UFJKdFFlZS1yQ1AyeFNVdnhvTFJiVXlURENhM0VUSjRRUGE5bUlvcllzbVBwdmF1UVc5dVVkaDZ5YWNVbkFIMmRsU196b3owTFZ6MDQxN3NCUjJFVnZ1YTBlMERlNUtoWWJkNUEwREVZdGZfNVNGV0ZUWXlpNTdwdW5P?oc=5) · Federal Reserve (.gov)
- 2019-07-01 [Wildlife Commission to Welcome Rick Holder as Newest Member - Oklahoma Department of Wildlife Conservation](https://news.google.com/rss/articles/CBMiowFBVV95cUxNSENzTXd4LVVSdUE0d2NuUWlYR2dFQTlCc1FJNlVNWjMzVkIzVVJNdmM2N3hlRmV2MExVVUpydUJYbUxyWFhxbVBWOXdEWHlnYk4xSWxGU1NBMFROMHRSUTJTVlRRWEpzb0RWZEhJQkNGQlZhNFdWZ05ZOXI3R25UVEt1VlhZZXM4TFl2VVJoTzBoRzZPd01pbHhKV29XZmRiUVNR?oc=5) · Oklahoma Department of Wildlife Conservation
- 2020-09-10 [CheckAlt Acquires U.S. Dataworks - Finovate](https://news.google.com/rss/articles/CBMiY0FVX3lxTE4yLTdNQzFPUW16SjVTSVk0ZHVTSTd6NWR1ckoxNjk0alZmS3V6MEp5UUJmUmpWMFVQb0wwWFQ0M1RrSWJlQThBbGZScmgwT1gwZkFzZ0RYblY3Tm9OVE5DQUthRQ?oc=5) · Finovate
- 2017-12-07 [Talladega’s Chad Jones named to Board of Directors for First National Bankers Bankshares, Inc. - The Anniston Star](https://news.google.com/rss/articles/CBMilAJBVV95cUxORmRpUGVTbjBMWF9wRzN4VWYtMTUxSlRLSDE3aklOMjY1WC1HREhHLTNJRnZsM0hjdTZreHZETVJ4LTZ1Z04yc2hjcExmOTRlb0Z4a2R5Yml5MjhKSFNhODNVOUVUOHRka2pCc092NlVSYzI2bzJzdFVOeUp2MnEzTmlialE5RklqVXJaakJvaUR0NHFZZ1lRYV9tQ1NKMThzZVlPQmsybDZGSlF0aS1tVWVHWU5EcVd3dm04SnhxLXpiR1h3SXl6VUNINmNyQUlhRFhZcE5OT0VwMUF0dEYzOHhaYlU3MnBUakFWODhMNENtbEc4SGxNNENHbFZaeXRzcFlJOW1DVEs1RFdpNWhweUpxYmc?oc=5) · The Anniston Star
- 2024-01-28 [Oklahoma City attorneys sworn into state Bar Association board - Oklahoma City Free Press](https://news.google.com/rss/articles/CBMikgFBVV95cUxQTEpTcGdlRmlYXzhVOW1JLU1taTdDeUJyd0F4ZWVLRjE5YzUtWnFKM2FFSTFUSjdZc0h2dGpScWdBS190V0tzd2VPRHdQeDMzb1BubEpaeEg2alg1Z1d1WnY0bkd2dmRheEZ5cE1GYUhPLUxfdzBoaUtuLURibjNBb0s1eGloOVYxb1M2aFgyMGl2QQ?oc=5) · Oklahoma City Free Press
- 2018-05-03 [Michael F. Brennan Obituary May 3, 2018 - Fitzgerald Funeral Service](https://news.google.com/rss/articles/CBMidkFVX3lxTE91NE5ZOG5rdkVZUWZmVmVJSWlQNnB1WnEtZkRnZ3Q3TzlSb0I1dUFydGRVUXQwOUF6emlBejc5bGJCcTljd3RJck1kT2d0LWQ5ZXRkSUEtSTlLYnNXUGZRRVV0anVqRGpkQkdFd3ZpU0RXcFdnMXc?oc=5) · Fitzgerald Funeral Service
- 2007-10-23 [Coastal Commerce Bank founder given LBA Service Award - The Times of Houma/Thibodaux](https://news.google.com/rss/articles/CBMikgFBVV95cUxPZk51RklMbVVvVldsRmgtcUUyWERZa3piSms3T01SV0hCSUVlNXNISmZVZGt6N1YxUjFsVHJBZGRSUGRyYmtDdkxmbFN6YkJEVGtpajFuc0ZHUkFpQ0NJUnNTbDA0N1JuNmN2WmxfS3VDellhWE9FRkNybGljbDFUX3dKNmtDR2R1RHhiZk9uUW11QQ?oc=5) · The Times of Houma/Thibodaux

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=26677 (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/53.json (key "26677", 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