# BANCCENTRAL NATIONAL ASSN
ALVA, OK · FDIC certificate 4033 · asset band <$300M · latest filing 2025-03 · stopped filing (departed)

**Verdict on the desk:** this could be *run candidate*. Composite score 10 (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 | $243.0M | |
| Deposits | $230.4M | |
| Loans and leases | $72.8M | |
| Total equity | $9.6M | |
| Loans / deposits | 30.11% (p7 of band) | 70.65% |
| Liquid assets / assets | 61.53% (p89 of band) | |
| Uninsured deposits / deposits | 12.29% (p23 of band) | 19.26% |
| Brokered deposits | 2.46% | |
| Wholesale funding | 2.46% (p59 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.76% (p11 of band) | 11.50% |
| Unrealized securities loss / equity | -161.11% (p1 of band) | -11.46% |
| AOCI / equity | -4.95% (p0 of band) | |
| ROA (annualized) | -3.12% (p2 of band) | 1.00% |
| Net interest margin | 2.18% (p4 of band) | 3.68% |
| Efficiency ratio | 284.97% (p99 of band) | |
| Noncurrent loans | 9.20% (p100 of band) | 0.28% |
| Net charge-offs (annualized) | -0.05% (p4 of band) | |
| Reserve coverage of noncurrent | 51.78% | |
| Real estate % of loans | 63% | |
| Construction % of loans | 1.23% (p20 of band) | |
| Auto loans | $260,000 (0.36% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $6.3M (65% of equity) (p100 of band) | |
| Deposits YoY | -15.5% | |
| Employees | 59 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)
- **loans-to-lenders >50% equity** (`conc_warehouse`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 | capital falling | reserve under noncurrent |
| 2011-12 | 1 |  |  |
| 2012-03 | 0 |  | capital falling |
| 2012-06 | 1 | expense ratio p90 |  |
| 2012-09 | 2 | capital falling |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 0 |  | expense ratio p90, capital falling |
| 2013-06 | 0 |  |  |
| 2013-09 | 1 | AOCI drag >20% of equity |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 | capital falling | AOCI drag >20% of equity |
| 2014-06 | 1 |  |  |
| 2014-09 | 2 | leverage <7% |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 1 |  | capital falling |
| 2015-06 | 0 |  | leverage <7% |
| 2015-09 | 0 |  |  |
| 2015-12 | 2 | deposits shrinking, assets shrinking |  |
| 2016-03 | 3 | reserve under noncurrent |  |
| 2016-06 | 3 | expense ratio p90 | reserve under noncurrent |
| 2016-09 | 5 | noncurrent p90, reserve under noncurrent |  |
| 2016-12 | 2 |  | deposits shrinking, assets shrinking, noncurrent p90 |
| 2017-03 | 2 | capital falling | reserve under noncurrent |
| 2017-06 | 1 | reserve under noncurrent | expense ratio p90, capital falling |
| 2017-09 | 2 | noncurrent p90 |  |
| 2017-12 | 3 | expense ratio p90 |  |
| 2018-03 | 2 | charge-offs p90 | reserve under noncurrent, noncurrent p90 |
| 2018-06 | 2 | capital falling | charge-offs p90 |
| 2018-09 | 2 | reserve under noncurrent | expense ratio p90 |
| 2018-12 | 3 | noncurrent p90 |  |
| 2019-03 | 3 |  |  |
| 2019-06 | 2 |  | capital falling |
| 2019-09 | 0 |  | reserve under noncurrent, noncurrent p90 |
| 2019-12 | 2 | expense ratio p90, deposits shrinking |  |
| 2020-03 | 5 | noncurrent p90, reserve under noncurrent, assets shrinking, uninsured deposits leaving | expense ratio p90 |
| 2020-06 | 3 | expense ratio p90 | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2020-09 | 4 | uninsured deposits leaving |  |
| 2020-12 | 8 | leverage <7%, capital falling, losing money, charge-offs p90, loans-to-lenders >50% equity | uninsured deposits leaving |
| 2021-03 | 6 |  | losing money, loans-to-lenders >50% equity |
| 2021-06 | 7 | losing money |  |
| 2021-09 | 5 |  | capital falling, losing money |
| 2021-12 | 6 | losing money |  |
| 2022-03 | 7 | AOCI drag >20% of equity, NIM <2.5% | losing money |
| 2022-06 | 9 | securities losses >30% of equity, deposits shrinking, assets shrinking | NIM <2.5% |
| 2022-09 | 10 | construction >100% equity, uninsured deposits leaving | leverage <7% |
| 2022-12 | 10 |  |  |
| 2023-03 | 10 | losing money | AOCI drag >20% of equity |
| 2023-06 | 9 | NIM <2.5% | charge-offs p90, construction >100% equity |
| 2023-09 | 12 | capital falling, AOCI drag >20% of equity, loans-to-lenders >50% equity |  |
| 2023-12 | 10 |  | AOCI drag >20% of equity, loans-to-lenders >50% equity |
| 2024-03 | 10 | charge-offs p90 | capital falling |
| 2024-06 | 10 | loans-to-lenders >50% equity | NIM <2.5% |
| 2024-09 | 9 |  | loans-to-lenders >50% equity |
| 2024-12 | 9 | loans-to-lenders >50% equity | uninsured deposits leaving |
| 2025-03 | 10 | NIM <2.5%, uninsured deposits leaving | charge-offs p90 |

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

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=4033 (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/1.json (key "4033", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide