# AMERICAN BANK OF OKLAHOMA
COLLINSVILLE, OK · FDIC certificate 34606 · asset band $300M-1B · latest filing 2025-12 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 2 (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 | $395.3M | |
| Deposits | $329.5M | |
| Loans and leases | $243.1M | |
| Total equity | $49.1M | |
| Loans / deposits | 71.33% (p29 of band) | 81.53% |
| Liquid assets / assets | 32.76% (p69 of band) | |
| Uninsured deposits / deposits | 24.15% (p43 of band) | 25.77% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 3.06% (p45 of band) | |
| FHLB advances / assets | 3.04% | |
| Tier 1 leverage | 9.68% (p31 of band) | 10.58% |
| Unrealized securities loss / equity | 0.10% (p95 of band) | -7.83% |
| AOCI / equity | 0.07% (p8 of band) | |
| ROA (annualized) | 0.18% (p5 of band) | 1.16% |
| Net interest margin | 0.58% (p0 of band) | 3.74% |
| Efficiency ratio | 68.14% (p65 of band) | |
| Noncurrent loans | 3.19% (p95 of band) | 0.37% |
| Net charge-offs (annualized) | 0.01% (p43 of band) | |
| Reserve coverage of noncurrent | 103.88% | |
| Real estate % of loans | 65% | |
| Construction % of loans | 46.04% (p51 of band) | |
| Auto loans | $7.0M (2.89% of loans; DQ 1.82%, NCO 0.00%) | |
| Loans to nondepository financials | $501,000 (1% of equity) (p91 of band) | |
| Deposits YoY | 2.6% | |
| Employees | 71 | |

## Flags firing in the latest filing

- **NIM <2.5%** (`earn_nim`)
- **noncurrent p90** (`aq_noncurrent`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | construction >100% equity |  |
| 2011-06 | 2 | reserve under noncurrent |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 3 | liquid assets <10% |  |
| 2012-06 | 1 |  | reserve under noncurrent, liquid assets <10% |
| 2012-09 | 3 | loans exceed deposits, liquid assets <10% |  |
| 2012-12 | 3 | capital falling | loans exceed deposits |
| 2013-03 | 2 |  | liquid assets <10% |
| 2013-06 | 2 | liquid assets <10% | capital falling |
| 2013-09 | 4 | loans exceed deposits, reserve under noncurrent |  |
| 2013-12 | 3 |  | loans exceed deposits |
| 2014-03 | 3 |  |  |
| 2014-06 | 3 |  |  |
| 2014-09 | 4 | loans exceed deposits |  |
| 2014-12 | 4 | capital falling | liquid assets <10% |
| 2015-03 | 3 |  | loans exceed deposits |
| 2015-06 | 4 | loans exceed deposits, liquid assets <10% | capital falling |
| 2015-09 | 3 |  | construction >100% equity |
| 2015-12 | 1 |  | reserve under noncurrent, liquid assets <10% |
| 2016-03 | 1 |  |  |
| 2016-06 | 2 | capital falling |  |
| 2016-09 | 1 |  | capital falling |
| 2016-12 | 2 | charge-offs p90 |  |
| 2017-03 | 2 | capital falling, reserve under noncurrent | loans exceed deposits, charge-offs p90 |
| 2017-06 | 1 |  | capital falling |
| 2017-09 | 3 | loans exceed deposits, construction >100% equity |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 2 |  | loans exceed deposits |
| 2018-06 | 4 | loans exceed deposits, capital falling |  |
| 2018-09 | 1 |  | reserve under noncurrent, construction >100% equity, loans exceed deposits |
| 2018-12 | 4 | loans exceed deposits, reserve under noncurrent, construction >100% equity |  |
| 2019-03 | 4 | expense ratio p90 | loans exceed deposits |
| 2019-06 | 4 | loans exceed deposits | expense ratio p90 |
| 2019-09 | 4 | losing money, charge-offs p90 | reserve under noncurrent, loans exceed deposits |
| 2019-12 | 4 |  |  |
| 2020-03 | 2 |  | losing money, charge-offs p90 |
| 2020-06 | 2 |  |  |
| 2020-09 | 1 |  | capital falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 2 | charge-offs p90 |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 1 |  | charge-offs p90 |
| 2022-06 | 1 |  |  |
| 2022-09 | 3 | charge-offs p90, reserve under noncurrent |  |
| 2022-12 | 1 |  | charge-offs p90, reserve under noncurrent |
| 2023-03 | 3 | noncurrent p90, reserve under noncurrent |  |
| 2023-06 | 3 |  |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 4 | charge-offs p90 |  |
| 2024-03 | 5 | losing money |  |
| 2024-06 | 4 |  | construction >100% equity |
| 2024-09 | 4 |  |  |
| 2024-12 | 5 | capital falling |  |
| 2025-03 | 4 | expense ratio p90 | losing money, capital falling |
| 2025-06 | 2 |  | charge-offs p90, expense ratio p90 |
| 2025-09 | 4 | losing money, uninsured deposits leaving |  |
| 2025-12 | 2 | NIM <2.5% | reserve under noncurrent, losing money, uninsured deposits leaving |

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

- 2025-05-21 [BancFirst Corporation Announces Acquisition of American Bank of Oklahoma - PR Newswire](https://news.google.com/rss/articles/CBMixwFBVV95cUxQX3dZeGhvNm1XU0g5TkN4TXhVemJGcmNhYU94MkFVN2wtYXB3OU9pT2NlZlF6REJrd0gwOGhycWkwamN4dXdfZlZiblFoZGlxMlRKWVctZ1FUeGU4YlpFVi1kX1NhZHVTa2JIYU5TcUFfcERYNkczQzlnUWMwVWppMFI1VTBwalR2RFZsaHUyUmRvSWRzdlJITUNoLWtOUmxuaGFOUzIxb3NfZDFZcUFVVm9JcGxNeEd4UjhiNDh1UWRMLTZHLXlF?oc=5) · PR Newswire
- 2025-11-17 [BancFirst acquires American Bank of Oklahoma, adding $328M in deposits - stocktitan.net](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNZmNTbEJ6dENwVnR4UThWaUJsMGpuMHNORjRmNFFsZF9PR1V1Yzh1NEE4VUFQMzdIaW51UUtEV1FwZ0xEZE12MXdSMUt0ZXk1UzdQc3ZGRjRtamxkME8tbVBlZmhhelpuSHVGNklXZWJ2bTRkRjF5X0FxYkdnS1YxSTY5LTJPc3UyOVh4T2NQUzRJdUd4TnJtQ2F5QUYtWlR3c1JxbnlZZVhkQQ?oc=5) · stocktitan.net
- 2026-04-09 [Joe Arthur Landon Obituary (2026) - Collinsville, OK - Lawson's Funeral Homes & Cremation Services - Jay - legacy.com](https://news.google.com/rss/articles/CBMifkFVX3lxTE9wdUtvdnhidW9yekxxYlBMbmtUaDdDRmZfcy00ZDVMSGVYbWpkdVEzaUJ0WlNvWWRxLXVVeFpIY2dnVXFxQW9nZ3ZDdDRoZ3lYNmZud1FzcDJLZGZ5ZFJmd2Y5Y3I0WE1idzBIajhkbkVjUVlpNmt2STRhOW92UQ?oc=5) · legacy.com
- 2023-08-30 [DOJ Reaches $1.15 Million Redlining Settlement With American Bank of Oklahoma - Consumer Financial Services Law Monitor](https://news.google.com/rss/articles/CBMi0wFBVV95cUxPQmx1Yk9aN3ZuQ0hKOXdSVU15QzdxYUhJLUpEQ0ROcmpYdDBlb3N6NnROcWxPcjNlOS1mejVXRmMtU3VJS052NVQ2a1RaNUt6eFpQNmt0Y19MOExScGJnR2wzdFZwX2NVSUJQTlJsRWdIWTBwUER5RnBZaGVVQ1ladW5oOWEwLVNIRjNseXFvRkE1QkVjdUVGX3VtZi1ja09HWXNqeUNSQUNUR213YkFOZnB5N0F5Y0lVSmhLMll4YWV3TFJmVEMwOGl3Yk9yeHMtcEow?oc=5) · Consumer Financial Services Law Monitor
- 2025-05-27 [BancFirst to buy Oklahoma lender hit with DOJ redlining order - Banking Dive](https://news.google.com/rss/articles/CBMirgFBVV95cUxQcG91eTVOMXNuNXg4ZjRJLU1BSjhfMFB0N0tld1ZhMVVBeW15enZZckQxTGdFYlRGT2ZaYWRTTkZOb19DU29tY2VpMC1odEZvTTRJeWt6LU81Z2diOEJzVkw3RHJjY1gwOWl4LS1reXBZM054NlVIeWUtNlM5bjU0VEZtUWQyaUlRUmMyRlJKSHZnN194b2pBQXRNQVBsckVMWVVaMXFXU3B6OWZfZEE?oc=5) · Banking Dive
- 2025-05-23 [BancFirst plans to acquire American Bank of Oklahoma - American Banker](https://news.google.com/rss/articles/CBMikgFBVV95cUxQQnkzYXR3cjJSTWdOaW5OXzF3NGlWeFVKSWdhQ1FjOEY1aFdpaWdsbzNlNzgwRE10dF8zaklYVW5ZekVRY2M2UFR4cVlHdHF0SjZWSjg1UEg3NlhwbDVIYTFGOVpyNGc0cXhVU1U1b1BXZXpKMlp6SV9IZW9aRXFDeXZDVGNmWjZ6T2duX3AzYURUUQ?oc=5) · American Banker
- 2023-08-30 [DOJ orders Oklahoma bank to invest in minority neighborhoods in wake of redlining accusations - KOSU](https://news.google.com/rss/articles/CBMi0gFBVV95cUxOTjNscl9nNWw3MGhHVEc4TGg1RGo2Z0xOSkQwUVpfRWViWVlBdGpJTi1kWkRKTnZ5V0dicXEwVWJ3eEJ3MGgtZzFGc3ZDYlZLOFNaT1BCTkZxRnZvTjU2cGlQbVJFYUpKVXVvM2xYNzNnRndjX2VGek1ncGJ3RHBnUG53TzNSanhKM0djVUlnX21xVnJmVHNYYUFqV25HTnZPczVSS2x1OHZIZUtmRV8tS2FjanIyRW42a2FJcXloQzRfNVlKcE1iZjRBRHFvWmtyY1E?oc=5) · KOSU
- 2025-05-21 [BancFirst acquiring Collinsville-based American Bank of Oklahoma in merger - News On 6](https://news.google.com/rss/articles/CBMiyAFBVV95cUxPLWtqcWhGUXpSSW5jcHlxWVlWdjFqUWtHNzFINmlRVjNoOE40TlRKXzdZXzRFT01rMGxEZThWcUZQajdTTW9EMTZIeDQ3V1NRM0pUX3lxQmt1dUQ1WXhoaDhrNHA1QUpJRVVxa0szTGNjYVBYVVJJX2NTblk2NjhaTHNuOVpadXBVV2RmTV9ROWFxNkZwaHFRWTAyejdGdm1hRGZCRGtYaVVuMVI3bTRjZWNkUDltNThRZnFUeVd5MGJYNGtneVdWWg?oc=5) · News On 6

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34606 (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/46.json (key "34606", 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