# FIRST BANK OF CHANDLER
CHANDLER, OK · FDIC certificate 4056 · asset band <$300M · latest filing 2018-06 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $91.6M | |
| Deposits | $75.4M | |
| Loans and leases | $55.9M | |
| Total equity | $16.0M | |
| Loans / deposits | 74.13% (p45 of band) | 76.78% |
| Liquid assets / assets | 28.47% (p47 of band) | |
| Uninsured deposits / deposits | 16.02% (p53 of band) | 15.22% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p19 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.26% (p18 of band) | 11.19% |
| Unrealized securities loss / equity | 0.00% (p90 of band) | -2.38% |
| AOCI / equity | 0.06% (p98 of band) | |
| ROA (annualized) | 2.21% (p94 of band) | 1.00% |
| Net interest margin | 5.11% (p96 of band) | 3.78% |
| Efficiency ratio | 34.82% (p1 of band) | |
| Noncurrent loans | 1.60% (p78 of band) | 0.57% |
| Net charge-offs (annualized) | 0.04% (p71 of band) | |
| Reserve coverage of noncurrent | 0.00% | |
| Real estate % of loans | 60% | |
| Construction % of loans | 9.17% (p38 of band) | |
| Auto loans | $2.2M (3.89% of loans; DQ 8.09%, NCO 0.03%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -4.7% | |
| Employees | 15 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | liquid assets <10% |  |
| 2011-09 | 1 | construction >100% equity | liquid assets <10% |
| 2011-12 | 1 |  |  |
| 2012-03 | 0 |  | construction >100% equity |
| 2012-06 | 2 | liquid assets <10%, construction >100% equity |  |
| 2012-09 | 1 |  | liquid assets <10% |
| 2012-12 | 1 | liquid assets <10% | construction >100% equity |
| 2013-03 | 3 | capital falling, charge-offs p90 |  |
| 2013-06 | 3 | loans exceed deposits | capital falling |
| 2013-09 | 1 |  | charge-offs p90, loans exceed deposits |
| 2013-12 | 0 |  | liquid assets <10% |
| 2014-03 | 2 | loans exceed deposits, liquid assets <10% |  |
| 2014-06 | 3 | construction >100% equity |  |
| 2014-09 | 3 |  |  |
| 2014-12 | 3 |  |  |
| 2015-03 | 3 |  |  |
| 2015-06 | 3 |  |  |
| 2015-09 | 3 |  |  |
| 2015-12 | 3 |  |  |
| 2016-03 | 3 |  |  |
| 2016-06 | 2 |  | construction >100% equity |
| 2016-09 | 0 |  | loans exceed deposits, liquid assets <10% |
| 2016-12 | 2 | loans exceed deposits, liquid assets <10% |  |
| 2017-03 | 0 |  | loans exceed deposits, liquid assets <10% |
| 2017-06 | 2 | loans exceed deposits, liquid assets <10% |  |
| 2017-09 | 0 |  | loans exceed deposits, liquid assets <10% |
| 2017-12 | 0 |  |  |
| 2018-03 | 3 | capital falling, reserve under noncurrent, deposits shrinking |  |
| 2018-06 | 1 |  | capital falling, deposits shrinking |

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

- 2017-09-07 [BancFirst Corporation Announces Two Acquisitions - PR Newswire](https://news.google.com/rss/articles/CBMipwFBVV95cUxQVE1GcHl3YTg3R0FOQTFfS2UwczVyWUNtbU9hNDhGNEJ2SnBBM1JWREJYdGFIQm5IZG5YUENRcXNJT1c0UHZpZF9FMU95M3A0bFBtb2gzVEltX3ZSWlBER1dXU1NrbmtpV2MyUWtuaGZrcVF5Smt1S2ZrV3dGeU8zUTNhUGFZc2VVaXBGOEVkLVpja1VhWTgtT3FxRm8xQWVlTVdwWm5iZw?oc=5) · PR Newswire
- 2024-11-08 [Glenn T. Nichols Obituary Oct 3, 2011 - Parks Brothers Funeral Service](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE9US2VfNTIwQ3J6aGd5bXdPWmV6dWg5dlluNzhMbldEcEV4SHI2S3RmcERWXzI0LVg4VVBzWGxrU2lOVnEwbmdoZ3ZLV0ZGaG5vVTlieUFadFJOdzIzdFBnN0JhOWtyUXM?oc=5) · Parks Brothers Funeral Service
- 2018-01-11 [BancFirst Corporation Completes Two Acquisitions - PR Newswire](https://news.google.com/rss/articles/CBMipwFBVV95cUxNSUt0T2NQUEZNY2dqOHFNSWUyaWFpdWxSYnd6SXB1U1V5Q1FWN2NhS0dSTVM5c3pMMjVTeFRFc09odEQ3WjZXeWVkcVJ4aGxmNktHZXpIQjBZbTFIYWdfVXA1ckd2TG9tSV8zLU53SkhKcDV6M3FxR3ZKRmlVUGFhZVhmV0wwYWpnRl8zMzVUSUt5amdEMFU5TVVxQ1kwOHEyMWpHOFpraw?oc=5) · PR Newswire
- 2024-11-09 [Darren Lee Miller Obituary Jul 26, 2015 - Parks Brothers Funeral Service](https://news.google.com/rss/articles/CBMiakFVX3lxTE5MS05MSEdocEhyZG5lQlc0QjM4a0o0bHBTRXFLd3pMMjlKeWJzTjJXYWg3blBUM0p5S3VsQXo2MFBPQk9tNk5HOEZ6N0pIUEFSRTRoQUJXaDVrY29ZSk40ZFNRLWExYlA1MWc?oc=5) · Parks Brothers Funeral Service
- 2024-11-10 [Edna Deann Pence Obituary May 12, 2004 - Parks Brothers Funeral Service](https://news.google.com/rss/articles/CBMiaEFVX3lxTE5RdG0ybGt5Zms4a1dvemNrMXltSi1kbmg1N2VfZHZ0Y01EMFJaRzNkUEVhOFBsTW5abmxuazItVklwT0phYTdVMm1CUExRV2NscllwTmZ3YVhtUEZReG9KbEs3Q3lYNXpC?oc=5) · Parks Brothers Funeral Service
- 2024-11-08 [Kimberly Ann Richards Obituary Apr 23, 2004 - Parks Brothers Funeral Service](https://news.google.com/rss/articles/CBMib0FVX3lxTE5BSlBudzZhVzctWVBpVExDS1pscVpGYlQ4aFlIV09yMm5XWE4xTUxOV3ZLdm1TZ0tSZFI0eW1NQWlLcFdBcnRFVVQzYUl3dHJoOGlzcjRBTC1VRTZqLXp6VjV1QzRvZEJrQjFQUWYzSQ?oc=5) · Parks Brothers Funeral Service
- 2024-11-11 [Tiffany Deisher Obituary Oct 10, 2006 - Parks Brothers Funeral Service](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE4zdTZpZ21iNEs1Rm5WUi1mQVgta3BXQ1pXejIxaU5weTd3OGdLWDRWV1BLMmlOM3gtZlJ3dldSOVZXcVpQUFh3Znk0c2RVZXFIRUhNUDlWcmJSWmJYcU5iTGN3THNOWDg?oc=5) · Parks Brothers Funeral Service
- 2010-09-15 [Bill C. Matthews Obituary Sep 15, 2010 - Parks Brothers Funeral Service](https://news.google.com/rss/articles/CBMiZ0FVX3lxTFBGeHFNdmFQRjc5OGNkNEN1cHZVOWt5Y3RmZXJxOFVoM3RPR1JtNkdvM25BbFd1dndJTHFUY0xPcHMyaDhNbzBfcGxRYklpSTNpR1R1dTRHM052a0dpbXdKVEFtdW83NGM?oc=5) · Parks Brothers Funeral Service

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=4056 (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/24.json (key "4056", 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