# FRAZER BANK
ALTUS, OK · FDIC certificate 4031 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (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 | $354.3M | |
| Deposits | $317.1M | |
| Loans and leases | $196.2M | |
| Total equity | $36.3M | |
| Loans / deposits | 60.94% (p14 of band) | 82.04% |
| Liquid assets / assets | 39.76% (p82 of band) | |
| Uninsured deposits / deposits | 8.98% (p3 of band) | 25.97% |
| Brokered deposits | 23.05% | |
| Wholesale funding | 23.05% (p95 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.21% (p58 of band) | 10.81% |
| Unrealized securities loss / equity | -15.24% (p31 of band) | -8.10% |
| AOCI / equity | -0.92% (p25 of band) | |
| ROA (annualized) | 0.51% (p12 of band) | 1.28% |
| Net interest margin | 3.31% (p20 of band) | 3.91% |
| Efficiency ratio | 79.93% (p89 of band) | |
| Noncurrent loans | 0.00% (p4 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p29 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 75% | |
| Construction % of loans | 48.69% (p55 of band) | |
| Auto loans | $430,000 (0.22% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 1.8% | |
| Employees | 52 | |

## Flags firing in the latest filing

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

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | brokered >10%, wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 3 |  |  |
| 2011-12 | 4 | capital falling |  |
| 2012-03 | 3 |  | capital falling |
| 2012-06 | 2 |  | reserve under noncurrent |
| 2012-09 | 2 |  |  |
| 2012-12 | 4 | capital falling, reserve under noncurrent |  |
| 2013-03 | 3 |  | capital falling |
| 2013-06 | 2 |  | reserve under noncurrent |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 3 | assets shrinking |  |
| 2015-03 | 3 | capital falling | assets shrinking |
| 2015-06 | 3 |  |  |
| 2015-09 | 3 |  |  |
| 2015-12 | 2 |  | capital falling |
| 2016-03 | 2 |  |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 3 | capital falling |  |
| 2016-12 | 2 |  | capital falling |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 4 | capital falling, reserve under noncurrent |  |
| 2017-12 | 6 | noncurrent p90, charge-offs p90 |  |
| 2018-03 | 5 |  | capital falling |
| 2018-06 | 5 |  |  |
| 2018-09 | 6 | capital falling, assets shrinking | brokered >10% |
| 2018-12 | 3 | expense ratio p90 | wholesale funding >15%, reserve under noncurrent, noncurrent p90, capital falling |
| 2019-03 | 3 | noncurrent p90, reserve under noncurrent | charge-offs p90, assets shrinking |
| 2019-06 | 5 | charge-offs p90, assets shrinking |  |
| 2019-09 | 1 |  | expense ratio p90, noncurrent p90, reserve under noncurrent, assets shrinking |
| 2019-12 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2020-03 | 4 | reserve under noncurrent | charge-offs p90 |
| 2020-06 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving, reserve under noncurrent |
| 2020-09 | 0 |  |  |
| 2020-12 | 2 | losing money, expense ratio p90 |  |
| 2021-03 | 2 | capital falling | losing money |
| 2021-06 | 3 | reserve under noncurrent |  |
| 2021-09 | 1 |  | capital falling, reserve under noncurrent |
| 2021-12 | 1 |  |  |
| 2022-03 | 3 | capital falling, construction >100% equity, uninsured deposits leaving | expense ratio p90 |
| 2022-06 | 6 | brokered >10%, AOCI drag >20% of equity, securities losses >30% of equity, charge-offs p90 | capital falling |
| 2022-09 | 6 | wholesale funding >15% | charge-offs p90 |
| 2022-12 | 6 |  |  |
| 2023-03 | 4 |  | uninsured deposits leaving, AOCI drag >20% of equity |
| 2023-06 | 4 |  |  |
| 2023-09 | 4 |  |  |
| 2023-12 | 3 |  | securities losses >30% of equity |
| 2024-03 | 5 | capital falling, assets shrinking |  |
| 2024-06 | 5 | expense ratio p90 | capital falling |
| 2024-09 | 5 | uninsured deposits leaving | construction >100% equity |
| 2024-12 | 4 |  | uninsured deposits leaving |
| 2025-03 | 4 | deposits shrinking | expense ratio p90 |
| 2025-06 | 2 |  | assets shrinking, deposits shrinking |
| 2025-09 | 4 | deposits shrinking, assets shrinking |  |
| 2025-12 | 4 |  |  |
| 2026-03 | 2 |  | deposits shrinking, assets shrinking |
| 2026-06 | 3 | capital falling |  |

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

- 2025-04-01 [Altus police arrest suspect using torch in ATM burglary attempt on N. Main Street - KOKH](https://news.google.com/rss/articles/CBMirwFBVV95cUxOTUthbkpBX2dRN2NNbTdWS0NnVDNTSkx2S0NwNkkzUVlodUhPSm1XazAtVzJnUUhwRTVUdEc2LXlfcE5PUGN4TGQycDd4UkJTT3ExMzdOZzFEX1V1VkxjQVdTYThFczVzbEJHSmxCb3NDdV8zRTNCSGY1UlRMbVRLUmp1QlRuVWptM2NpMmgwQzhXbllERnNUU3BfNlRpeldjc3lkQmlFUXFsTE1PYTFR?oc=5) · KOKH
- 2019-06-27 [Rodney Vernon Obituary - Oklahoma City, OK - Dignity Memorial](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQRUVlbmJpSThmV0JVTElLcDBiSVd1d3pJNmNlb2pSSTNjNFNYdlR0QzJuWXliYnV3R1M2SjZuNzhxWGVBQnNTRDgzRVpoZFFjUFlzdjdLX1VEMnMwX29iZkkwWDEtR3RoUTU5eE4yZmdaRFhyeUp3LVdPcnY5MEM0elFFaTBEUzNm?oc=5) · Dignity Memorial
- 2019-09-02 [Suspect Charged, Arrested in Million Dollar Cattle Embezzlement Case - Texas & Southwestern Cattle Raisers Association](https://news.google.com/rss/articles/CBMijwFBVV95cUxOY3dsbGlfTzl0cF9ZNUZSanZNUkhYc0d0YU5XT3Z6MEZtbXVNNFljRFZGNmNPdmxRcDNXRTMzbUw0Q0lSODhtaFMxWlpIX1E3aWYyY0dxWlBseGtBV1hXbDlZNUo4QUVzTzM2NFFuTC1LWDVybFYwVTREc01iakZCTnlpVnJfRF9PR0FCRGtENA?oc=5) · Texas & Southwestern Cattle Raisers Association
- 2021-07-07 [Commercial real estate transactions from the Oklahoma City area - The Oklahoman](https://news.google.com/rss/articles/CBMiugFBVV95cUxNTjd4MGQxWGZ1aERLVTQ1d3NrbjdXZm5UNDBwbl94Nk5iT2NzNjdrUHhsQTNNME9yWnRlOVpFT3JxdUk3Q011MXRSTVJsLXBRQUE5aWNURWl1MUZORjVWU1JZTGU1MmhqQ1FhSW9nQmoyTENCblozMVZkMkx3ck5PMXVHc0lLY014VXp6X0ZweGdYbW5CV1BtY0RSeVVQc2JzMC1laUh2UTBDb2dyUWd5eDBhbVVPczU3NUE?oc=5) · The Oklahoman
- 2022-10-14 [Commercial real estate deals from across the Oklahoma City metro area - The Oklahoman](https://news.google.com/rss/articles/CBMi4AFBVV95cUxNMlR0RC1CSmVZX2pCbU9ncGhZdTJNTUNyS2NzNWZTMXdfcll1dW5YemFHanN3YlZwdUNUeXdOZDlWMFJpX1M0NWZILWpZQkNpQUtMMDljNHpKcDEyTGlXS0NlenRzWkhtT1RKSHNaSFh5R1hQSHFiSll3YzJkMWw5amE0d1dwdUVFVzVfVEc5SXpCN3pUVXFSM3kzcTB2ZWQ2Q0NVRnF4R2JJX0R6d09Bdm5tZ0NhTXhPVEZKcnl5NGpGTWY3VXRBQjg2Ukd4elMzYU9UQWcwOWpYMlNaM19adQ?oc=5) · The Oklahoman

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=4031 (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/63.json (key "4031", 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