# NBC OKLAHOMA
OKLAHOMA CITY, OK · FDIC certificate 4032 · asset band $300M-1B · latest filing 2025-06 · 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 | $894.2M | |
| Deposits | $808.5M | |
| Loans and leases | $690.9M | |
| Total equity | $68.5M | |
| Loans / deposits | 84.54% (p58 of band) | 81.31% |
| Liquid assets / assets | 19.72% (p31 of band) | |
| Uninsured deposits / deposits | 45.06% (p93 of band) | 24.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.91% (p30 of band) | |
| FHLB advances / assets | 0.40% | |
| Tier 1 leverage | 7.63% (p1 of band) | 10.49% |
| Unrealized securities loss / equity | -0.01% (p96 of band) | -12.52% |
| AOCI / equity | 23.06% (p100 of band) | |
| ROA (annualized) | -3.02% (p0 of band) | 1.11% |
| Net interest margin | 4.24% (p78 of band) | 3.64% |
| Efficiency ratio | 68.08% (p61 of band) | |
| Noncurrent loans | 1.16% (p79 of band) | 0.36% |
| Net charge-offs (annualized) | -0.04% (p4 of band) | |
| Reserve coverage of noncurrent | 92.26% | |
| Real estate % of loans | 59% | |
| Construction % of loans | 71.97% (p68 of band) | |
| Auto loans | $639,000 (0.09% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 1.7% | |
| Employees | 127 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

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

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

- 2011-10-16 [NBC Oklahoma Bank Chairman Discusses ABCs - The Rotunda Online](https://news.google.com/rss/articles/CBMilAFBVV95cUxNM2EyMUZoZ3NoRHlZZlprUnBZUXJwdDU5bnFyb09ELWlFRFFmRkZiRDRzcTNQZkpGLVpBblFrdExoZ0dQbVVHSlhuQWVMMGhPT3VxNjZvVjgxMlp1c29udTUwZHRYZ0J6T2RBRF94QVpLZEYzLVY4WVg2b3FPRFI1ZHI1bktVV0kzWGlDalFOaXJTX0d2?oc=5) · The Rotunda Online
- 2020-09-28 [NBC Oklahoma names new vice chairman with Fort Worth roots - The Business Press](https://news.google.com/rss/articles/CBMingFBVV95cUxOMUZhR01xaWZRa3E3U3ZTYVlvZWVxTEJGZ3hQMGpDcU9pZGg0N1h3OUpnSVRGS1hkUmttSUc4N3dIeFpsMlYyUG1aVWoyelg5Uk91TmZBMFhRVnhxS3BRV1RMNUE3LWFnOE14blcwS1p3Zm9aZjFNNlV1SmwweFZfV1JIeUh4a2RIMXdrUC1TYXd3R0NYQWtGVk5DZ2hGdw?oc=5) · The Business Press
- 2021-08-07 [NBC Oklahoma celebrates 90 years through giving back - enidnews.com](https://news.google.com/rss/articles/CBMizAFBVV95cUxOWEUwbjBrSjBHUV9qVDFqMTBpd1NfVUNvb19Kb19iWnN1MDNzNVdEWHVlOUFGWUJsUmhZSHlZcW45QTFicUs2VmhRRm1WLXV1TDhQVDhtUnp3Um81V3NUVkZYQnhRUFU2VlJoLUMzd0lZUVdYbnBfLVRJdE5vX0xpZm9lanVQbWtrYXg3a09EZE9JZ2Jud3hOblpPRUZ2ME0za0NDeU9NbXFQUUVyTDdQSjRGcXZqSTRwMjJWQ1F2M0pHZXhjSC1ZbjlNQ1k?oc=5) · enidnews.com
- 2018-03-11 [Executive Q&A with Glenn G. Floresca: Commercial lender carries wrestling lessons to banking career - The Oklahoman](https://news.google.com/rss/articles/CBMi_gFBVV95cUxNbjFKYVBjdTd5Y2F2Q3ZKWHFyb1lhWTJHM2hwMW1ySXl3MngzZVRxTVlUaTFlRWFwcGRoa3cwZXFXS1ZFc3h2S1hVYjZfeTAtc1FYZkRHWmRxZGJCWUU0aXhYMi1pQ3Q3M1RNQWNLbUJwX2hwdVZqS2ptQXB1eW5VZ3RBWUNyMWp2WFp1SWZuT0hZZ3ZWNDRKOGhsZzFpcV83SEE0VTVmTUhKZ3BlT0xaZUd6MTNpWkszaF9wYVF5WFptcGdwakttWjBQTEFhNUhZMXNYbVN1ak1WdlFVRERMNkNPLTZoZS1uckktQmVwbFhCLXVGWE1oc29UTGlVdw?oc=5) · The Oklahoman
- 2018-12-08 [Briggs, two others inducted into Oklahoma Bankers Hall of Fame - Siskiyou Daily News](https://news.google.com/rss/articles/CBMiowFBVV95cUxPdzJUdnV3c2ZuUVVwSU02eGU0Z0E0bjc3NEJVTTF6bXRXcVZtRnFUWmJzVGJxQzltV0VzWTlaWWJzMHlYa3pHamxCVnVsdlA2YkYxQVNSa0dwTm5DMF9VVk1RbzBscDQwYlpaa3JIMXIxaU45ZmljV3RyajluQ3Q2c3Nkb3FTeGJJSE96WjJwbGlkTjM5aG8zY3ZqQWhldk9WajN3?oc=5) · Siskiyou Daily News
- 2016-03-08 [Norman Superintendent, Cherokee Nation business leader join OK Policy Board - Oklahoma Policy Institute](https://news.google.com/rss/articles/CBMinAFBVV95cUxOanJVU0NWQTQwVUtYd1F5MUFtRjd0U1NkVDFaNnJnZFV0S3pPc1NsY2ZURFoxNkw0YXYzamVrejFfdl85T18zbHBxZkZpSXBuaHFfaEZPbWt2Zmg1XzRUQjJWWG9FVUt2b1lGOWpxdl9NMkZrdmFYWXF3a2ltMzJzZ2lPcmpJa0w0NkNmYTZnQ1BGdHZCSmZ5el9kalo?oc=5) · Oklahoma Policy Institute
- 2019-07-19 [Melba McCaughey Obituary (1926 - 2019) - Oklahoma City, OK - Oklahoman - Legacy obituary](https://news.google.com/rss/articles/CBMikgFBVV95cUxNN0hDaXRMd21zNjlYdmZfZWhkWXd1dmJzckc2a0hiZ3RwZ0xFS3lNZmQzNXBSTl96b2FIb3BQcnJFX2RDVExaTFUzLTB2SFFDVEJGYXNYUUdsVGFjQmNPT2VGNWU2eTVFMS1LTnE5WXBfZmFoZnBFd3V0UFNXdDJBNGtEajFKY0lKeVIyb1NyajdRUQ?oc=5) · Legacy obituary
- 2020-05-27 [Point of View: Local banking relationship is key for small businesses - The Oklahoman](https://news.google.com/rss/articles/CBMi3wFBVV95cUxOd1d0dmxEOTFab3pwZU9SdkdlY0U2SGY0dW8wSnJlTFNaZC13aTNoSmhBZ3o4MHBkX0dMTElxUEp2d29tT1hFQkdPZzh0NVF0NGFoVkV1Y2ZTRzJkSEZvcHFlWTRfU2c3RHdEZ0ZaRk5EajhZNXdvWFBvLXQyVG1Xb2FMMHFyOG9BUzNva3RSREF1UGlNX3pVbnVpaW9CZm1ja2EzVXczMkVsNnBTelRUVlpYREwyS0c0NERzbF9aZ05QUVN3cHhPSXhyTzBXYVJkNXpvNlhIWFltRV9MWk5r?oc=5) · The Oklahoman

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=4032 (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/0.json (key "4032", 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