# FIRST COMMERCIAL BANK
EDMOND, OK · FDIC certificate 34377 · asset band <$300M · latest filing 2015-09 · stopped filing (departed)

**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 | $289.5M | |
| Deposits | $246.1M | |
| Loans and leases | $209.5M | |
| Total equity | $35.5M | |
| Loans / deposits | 83.41% (p68 of band) | 73.61% |
| Liquid assets / assets | 22.98% (p29 of band) | |
| Uninsured deposits / deposits | 17.61% (p67 of band) | 13.65% |
| Brokered deposits | 3.08% | |
| Wholesale funding | 5.18% (p66 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.42% (p61 of band) | 10.70% |
| Unrealized securities loss / equity | 1.19% (p57 of band) | 0.86% |
| AOCI / equity | -0.03% (p30 of band) | |
| ROA (annualized) | 0.00% (p7 of band) | 0.84% |
| Net interest margin | 4.28% (p83 of band) | 3.64% |
| Efficiency ratio | 96.28% (p91 of band) | |
| Noncurrent loans | 1.01% (p60 of band) | 0.69% |
| Net charge-offs (annualized) | -0.01% (p20 of band) | |
| Reserve coverage of noncurrent | 202.59% | |
| Real estate % of loans | 74% | |
| Construction % of loans | 54.48% (p83 of band) | |
| Auto loans | $1.1M (0.55% of loans; DQ 0.52%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -4.0% | |
| Employees | 84 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | capital falling |  |
| 2011-12 | 1 |  | capital falling |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 2 | deposits shrinking |  |
| 2013-12 | 4 | capital falling, losing money, charge-offs p90, assets shrinking | reserve under noncurrent, deposits shrinking |
| 2014-03 | 0 |  | capital falling, losing money, charge-offs p90, assets shrinking |
| 2014-06 | 0 |  |  |
| 2014-09 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2014-12 | 1 | charge-offs p90 | noncurrent p90, reserve under noncurrent |
| 2015-03 | 1 | reserve under noncurrent | charge-offs p90 |
| 2015-06 | 0 |  | reserve under noncurrent |
| 2015-09 | 1 | expense ratio p90 |  |

## 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
- 2026-08-24 [Failed Banks In The US: An Analysis By Year, Size And More - Forbes](https://news.google.com/rss/articles/CBMibEFVX3lxTE9SRkVrQmdfS2FWVWlBdzNCcy1OTlAyNlVSUEpoMG5WVllXR0V1dW5NSFBRSW91OUFjZ055S3dyS3RaaVg3dVc3UU12XzhENE5nanJFeEExR016RTR4Y1BERHVJSHlzSDNqS3pUWQ?oc=5) · Forbes
- 2014-02-26 [Robbery of IBC Bank Branch in Portland - fbi.gov](https://news.google.com/rss/articles/CBMilgFBVV95cUxQcE1GdFRoWWY4VzJHQi02WkZZcVFJeE5aTnVyNlVNMTBBMkFyU25yZ0diUTdnUFotcEU2UHVUUTF0bGdRdVlFV1JOcC0tVEFNcGRFZ1J3NUg4UFkyaXR0M1A3TFNrQ3J4bE1PSW1EeWJYNjVzcml4b3lEcy1FZm12aGl5a3NOOUNQdDJwQkRYbXJkUTcwWGc?oc=5) · fbi.gov
- 2021-11-24 [Orrick Advises on US$1.6bn Project Financing of 298MW Zhong Neng Offshore Wind Farm in Taiwan - orrick.com](https://news.google.com/rss/articles/CBMiuAFBVV95cUxQNHJKeFNMc3doeUtiVTlQMnhjWnBfX1dfX0NncXZlRGgyeVl4LXJsTjZVT1FWUDVuQXFMVTJybE9iTXRDM1EzdGVya3BwMWNkdHRMX0hmOWo0NXY2YmVEbXdnZlZ6SkY3UFkzRk0zdTg2SW1IY2FLLUtTUGlIX1Y5TGk0MTI0U3Z4UkRfMkFnTV9WNU1OLWYwaXJwYVVRb1NwSkZNVDBEMVg2WFdLekJZNkJSblhjek9y?oc=5) · orrick.com
- 2019-07-09 [New banks of 2019 - American Banker](https://news.google.com/rss/articles/CBMiZkFVX3lxTE16UnZwTjNGM24ybTBuOHZsdFBKWFg4SXJSSTdrVDNlVEs0eXI4UHgwOUd0dEttZTlBNnlDSGc4X0sxMUhudGlVNThLTERDbTB2NGhtZzVUNlBMMUs5YUl3cXp2U2RsZw?oc=5) · American Banker
- 2016-01-25 [Oklahoma Bank Registers $3M Judgment Against Phil Herrington - Arkansas Business](https://news.google.com/rss/articles/CBMirgFBVV95cUxOdHBNZFBja2xoRnVSSFVaLURkb0FhT3QxUlA0LVJSTHJ6bVdrNXhtMkU1ZW9PbVhwTElrV3lWcVdBWU9rUS00RTdmSkNrMnRoUXl6RC1VdG5aRjQwX00zc2duSEduWTFWU1pzczlRdFJ6MllFckpmTnlvdFNvZVRURnJXSFRkRlpCWW1mM0h0R3F3NUVRZlEzOU52Zm9lcV9WTlVtc09XM2pqWF81N2c?oc=5) · Arkansas Business
- 2022-09-06 [Cross County Bank to unify operations under Cross Bank name - Talk Business & Politics](https://news.google.com/rss/articles/CBMimAFBVV95cUxOU3UtQTZfcWxVdTd3ZU9kN2dUc2hCaE1QYXdTRTZCY3dUVFpzQmlrYzdzNUt2UUdCQzJ2TXp3bmRZUF9FcWdwSGgxQzVnWnRjMlVjV1UzLWJYVkVqZWVSdXVUMDBmZE9jejhpdmZxX21TYjhfTWlsQlJ4cDFLRHR5ZGRQbGhfQ09vSzhjZ0lkNVU0MUFHVXZHRQ?oc=5) · Talk Business &amp; Politics
- 2016-11-13 [Oklahoma Inc. top 10 again includes two financial services companies - The Oklahoman](https://news.google.com/rss/articles/CBMi1wFBVV95cUxQNUQydE5YcW5PRktQc2IxeUliUzk1WmlKeWhWYTFJVU1pVk92RU0xYlh0V2g2NHFjYlhSZmhOS0wwMDJ1eUJyLWJkNTdLMW1FZGFwWGdiWGhZTlp4WEdva2xpZDZtV0RJbkNrakw2dml6bHdUSDlralM0b1RUeXBFVUgzZXBhSWcwOXY5VHdLOEJtMEFqRzd2Ml9NM2xEVlFZMVVXTFNvdzJ1dm8ycW9FdEM4V196QWc2ZVYteDVJdTFwZExBa0FmS0k2MHVBeGhtUXQ0c2tjWQ?oc=5) · The Oklahoman

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34377 (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/9.json (key "34377", 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