# CENTRAL BANK OF OKLAHOMA
TULSA, OK · FDIC certificate 35348 · asset band $300M-1B · latest filing 2021-09 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. 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 | $743.5M | |
| Deposits | $563.5M | |
| Loans and leases | $622.9M | |
| Total equity | $136.4M | |
| Loans / deposits | 108.76% (p98 of band) | 70.11% |
| Liquid assets / assets | 6.49% (p1 of band) | |
| Uninsured deposits / deposits | 27.79% (p56 of band) | 26.09% |
| Brokered deposits | 2.91% | |
| Wholesale funding | 8.12% (p82 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.35% (p76 of band) | 9.79% |
| Unrealized securities loss / equity | 0.12% (p33 of band) | 0.82% |
| AOCI / equity | -0.20% (p79 of band) | |
| ROA (annualized) | 1.73% (p83 of band) | 1.18% |
| Net interest margin | 4.25% (p91 of band) | 3.35% |
| Efficiency ratio | 44.55% (p7 of band) | |
| Noncurrent loans | 0.12% (p27 of band) | 0.36% |
| Net charge-offs (annualized) | -0.01% (p18 of band) | |
| Reserve coverage of noncurrent | 1378.73% | |
| Real estate % of loans | 90% | |
| Construction % of loans | 60.94% (p72 of band) | |
| Auto loans | $285,000 (0.05% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -3.3% | |
| Employees | 78 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **liquid assets <10%** (`liq_thin`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | brokered >10%, liquid assets <10%, reserve under noncurrent |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 3 |  |  |
| 2011-12 | 2 |  | brokered >10% |
| 2012-03 | 1 |  | liquid assets <10% |
| 2012-06 | 2 | liquid assets <10% |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 1 |  | liquid assets <10% |
| 2013-06 | 0 |  | reserve under noncurrent |
| 2013-09 | 2 | liquid assets <10%, reserve under noncurrent |  |
| 2013-12 | 3 | loans exceed deposits |  |
| 2014-03 | 3 | brokered >10% | loans exceed deposits |
| 2014-06 | 3 | loans exceed deposits | reserve under noncurrent |
| 2014-09 | 2 | capital falling | liquid assets <10%, loans exceed deposits |
| 2014-12 | 5 | loans exceed deposits, wholesale funding >15%, liquid assets <10% |  |
| 2015-03 | 5 |  |  |
| 2015-06 | 5 |  |  |
| 2015-09 | 4 |  | capital falling |
| 2015-12 | 4 |  |  |
| 2016-03 | 4 |  |  |
| 2016-06 | 5 | charge-offs p90 |  |
| 2016-09 | 4 |  | charge-offs p90 |
| 2016-12 | 4 |  |  |
| 2017-03 | 3 |  | wholesale funding >15% |
| 2017-06 | 3 |  |  |
| 2017-09 | 5 | capital falling, assets shrinking |  |
| 2017-12 | 3 |  | capital falling, assets shrinking |
| 2018-03 | 3 |  |  |
| 2018-06 | 2 |  | brokered >10% |
| 2018-09 | 3 | capital falling |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 2 |  | capital falling |
| 2019-06 | 3 | wholesale funding >15% |  |
| 2019-09 | 2 |  | wholesale funding >15% |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 1 |  | liquid assets <10% |
| 2021-06 | 0 |  | loans exceed deposits |
| 2021-09 | 2 | loans exceed deposits, liquid assets <10% |  |

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

- 2026-03-14 [David Blankenship Obituary Jan 19, 2020 - Moore Funeral Home | Tulsa, OK](https://news.google.com/rss/articles/CBMiaEFVX3lxTE42QWhScU1ER2JzRmJpQWl3akxDS0ozdmx4VHBrTldPdE9LMXc0SkJlVTNoVF9ETDlLZ2N5cUJGQ3ZpWEdROU9QaGtVV2NnVG8zcW1TS3BmVWZnTVA2V0lmbFdFYXF0VWc5?oc=5) · Moore Funeral Home | Tulsa, OK
- 2016-08-17 [Wesley Maurice Harmon Obituary Aug 17, 2016 - Rivera Family Funerals & Cremations](https://news.google.com/rss/articles/CBMiekFVX3lxTFBKUHpDNzhmUkt4clRZZHhiazEyV1ZOVS1xT3NuVkxQSnNWOXFrT05zVlBmZUJEYnZGUmxjTTI2R1pDaE9FUHlyLXpwR2VqRFpaY0JWSS1ReDBPbG1vV1F0S1NHaWtkQ0lJZFowMUNseDN5ZUhVNUhZeVp3?oc=5) · Rivera Family Funerals &amp; Cremations
- 2017-10-09 [Hall of Fame 2017 Spotlight: Jim Daniel - baylorbears.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxOVG9Hd0lBLTF3YzNjSGdQRWRFck9uSFZVSUFaRW4tSFpKenY0aE5QdFB3UWU5MzdtVGRhMS1yUFRKOWttMTFhQjFPVG51ZXViUURpeFJ6TU5oczdxMDROVTF2M3ZwR3poeVZubjl3UGx1bEhpVEJJelpXLWV1NXhreVlNQQ?oc=5) · baylorbears.com
- 2021-07-17 [Groundbreaking for Highland 55 - Edmond Life & Leisure](https://news.google.com/rss/articles/CBMif0FVX3lxTE4wUGt2bklYLTV0dlk3YlBidjh5Yk1yZTN0dDJPQ0VGYmpXaE9HenNzcmI5dHZZOFVGcEswLUxBYmloVWhOMi1wQUtFNUlGb2k4bzJQSkxzaDlJSF9xSHVlV3FpT2VHNGVjYUs2bVRLVDQ0THpKeXVyZlphaFh6MmM?oc=5) · Edmond Life &amp; Leisure
- 2020-01-21 [David Blankenship, 1934-2020 - Air & Space Forces Magazine](https://news.google.com/rss/articles/CBMib0FVX3lxTE9BTkRaNFBKNU84VmxfZ3JXMU5SZTJEYTNEczFrbldYeXM5dFlnZWpCRzhwY2JCYlNEYzhvQUprODRNekVTQ2VUc2FZdlpiMHlodVVUUXdzejZpTFZHalI1QVhGdHU1S0JFbHQxc2Iycw?oc=5) · Air &amp; Space Forces Magazine
- 2020-08-15 ['Active lifestyle' (!) Model opens at Highland 55 at Spring Creek in Edmond, OK - The Oklahoman](https://news.google.com/rss/articles/CBMi4wFBVV95cUxNTmdlMlJreW4tQW9VVC1COWJncTZIbnU4SzlMczFITDB4N0d4ZjVETGNXdE5MNEtsNEx5NkV0MzJya01jTEZqQW1jakNhNG04a1JEWmFRY2V5Zkxock5sNExDb0NUc1p3ZS1XU3FpbzlMUC1qdHFHbkczMUVOWFFVTHpvemw4VzZaY29vZFpBM2FLY3RfT3FrUk5PNE5jeG0wVVFlVk51VlNSQVRmZWRWWlYyYmZiVUl1dUtOYU9xdUpuTU05bVNoeU1fTnBFNU5Gd1NLeUdhdXo4MmlURXc5dEhGVQ?oc=5) · The Oklahoman
- 2018-06-01 [‘Quit coming back:’ Gatesway Foundation breaks silence following Frontier investigation - The Frontier](https://news.google.com/rss/articles/CBMiyAFBVV95cUxPTVhDcUw2LWIySG9LTDA5RjVVWFc0Tmg3N1NmLWZxVzB1alVhX2ExZzlsRXJFTW53SzJRY1ZaWWZWaExTMHRSYmlITzBVQ1ZJdmJ5QXZEbEFEUXBVd2g3MFUyNXlJczhxcHhBVmE5cDhfdzRFczZGVnZVVUxzUmtYWmpSU0lqem5JU3lrdEx5ZUZuWWViZHl0RHp4Qm5mRDM5NlEyS3F3NC1tRkc1S05NM19XdTlRUV8xazBRR3ZDQmZsWXlqRHYwUA?oc=5) · The Frontier
- 2026-05-22 [Stephen Victor Bradshaw Obituary | Gary Kelley’s Add’Vantage Funeral Service | Tulsa, OK - Tribute Archive](https://news.google.com/rss/articles/CBMif0FVX3lxTFA4M0ZzOW9iQXhYc19WbkFjOEZ3dVdBZ1VabkFXdklDakY5dU5ZSEVXb2NmZ3Jya1BiTHk4R3pCZVl3UjUzR2xuS3lrNDhLQVZmVnpTb1NHYmcwS0kxdGlhb3ZqN1VtWG1kdlVwVnZUUThCWDA3X3J1OC1KVUhUekU?oc=5) · Tribute Archive

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35348 (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/20.json (key "35348", 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