# BANK OF CUSHING
CUSHING, OK · FDIC certificate 4075 · asset band <$300M · latest filing 2019-12 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $117.8M | |
| Deposits | $92.5M | |
| Loans and leases | $40.4M | |
| Total equity | $25.0M | |
| Loans / deposits | 43.07% (p10 of band) | 76.58% |
| Liquid assets / assets | 55.64% (p87 of band) | |
| Uninsured deposits / deposits | 26.38% (p82 of band) | 16.53% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p21 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 14.09% (p76 of band) | 11.42% |
| Unrealized securities loss / equity | 3.51% (p88 of band) | 0.65% |
| AOCI / equity | 2.75% (p57 of band) | |
| ROA (annualized) | 1.07% (p54 of band) | 1.01% |
| Net interest margin | 3.97% (p60 of band) | 3.82% |
| Efficiency ratio | 57.78% (p18 of band) | |
| Noncurrent loans | 0.01% (p18 of band) | 0.52% |
| Net charge-offs (annualized) | 0.15% (p82 of band) | |
| Reserve coverage of noncurrent | 14300.00% | |
| Real estate % of loans | 61% | |
| Construction % of loans | 13.89% (p47 of band) | |
| Auto loans | $1.6M (4.07% of loans; DQ 5.96%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -2.4% | |
| Employees | 19 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | losing money |  |
| 2011-06 | 0 |  | losing money |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | reserve under noncurrent |  |
| 2014-03 | 0 |  | reserve under noncurrent |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | reserve under noncurrent |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 3 | deposits shrinking, assets shrinking |  |
| 2016-06 | 3 | uninsured deposits leaving | reserve under noncurrent |
| 2016-09 | 3 | reserve under noncurrent | assets shrinking |
| 2016-12 | 4 | noncurrent p90, assets shrinking | uninsured deposits leaving |
| 2017-03 | 4 | uninsured deposits leaving | assets shrinking |
| 2017-06 | 0 |  | deposits shrinking, reserve under noncurrent, noncurrent p90, uninsured deposits leaving |
| 2017-09 | 1 | reserve under noncurrent |  |
| 2017-12 | 0 |  | reserve under noncurrent |
| 2018-03 | 2 | deposits shrinking, assets shrinking |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 1 |  | deposits shrinking |
| 2018-12 | 3 | losing money, NIM <2.5%, reserve under noncurrent | assets shrinking |
| 2019-03 | 1 |  | losing money, NIM <2.5% |
| 2019-06 | 1 | charge-offs p90 | reserve under noncurrent |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 | capital falling | charge-offs p90 |

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

- 2020-01-02 [Bank of Cushing – Taking the Next Step: - 1600 KUSH](https://news.google.com/rss/articles/CBMidkFVX3lxTE1LWWJ0b1FRYmkwVlNwWHpjd2xxYVVDdlJuSFdhZFdYUkhnUl9nSThvVGwxb3VWOTdteTdnQXNiUWZQTmxLR1lFRHhDd0ZIZEhuZXpraW01cERBb05TOXo3b1M3MkVzcFlyX2pRdXlUMXBzMlBialE?oc=5) · 1600 KUSH
- 2018-08-08 [Blue Sky parent buys Cushing bank - Pawhuska Journal Capital](https://news.google.com/rss/articles/CBMiowFBVV95cUxQWTVOeHRna2pqVlhQSFNGZm9RcHNrRGNzbVp0S21PUFpvbDJ4SUpfRTMzelFvSTc4UjNEVjdtc0RsY1YwQTNLaTZRYjB1bnEtWjF0cXBOUlNqZEo0SmpXc0ZEOEJIREhHcHF4RnEyT1BKbFJtVFFaaGUycjVsTHl5bTY4ci1GcjVNQkxOUjc3cTl3VlBkSW9XaC1xUF94a1FqMTJ3?oc=5) · Pawhuska Journal Capital
- 2020-12-15 [Kelly Young Named Market President of Bank of Cushing, a branch of Blue Sky Bank, Pawhuska - 1600 KUSH](https://news.google.com/rss/articles/CBMiuwFBVV95cUxORWtmMlRRaFJrOHJOSkJYcXpneGkyWl9taWI3VHI4MTAybk5LaHdmNGttQWt6VmlySm1KNDk1TThYQTJ3UFFGSTRWM2N3QVJpS3hRZklsWTgwYzdqUVVucUlCTHFlS2ZwX29TM3RYS1pkc0VjNWZQbElKMHpfNzMwOHhMa0M4S3JkQ2NKaDhwVVBGYldHY2ZVazR4ZzJreXdkY3BRbFM1dHgxS0ladG1jUkVaOXBBbWQ2MV9v?oc=5) · 1600 KUSH
- 2017-07-31 [FBI: Man hands teller note demanding money during robbery at Cushing bank - koco.com](https://news.google.com/rss/articles/CBMirwFBVV95cUxNdjJlNS1WaHFYb0tsb2o1OVNvNmh0VWxhZXg0V2dXTVZOTW1CUEhtZEJHbjRVbVZZbjVzN25QX0ozQXVya3VYN24zYXBDZ04zM1VLc05SVXBjYWhWaUpSX2RZTGdQYlFmMDJiVnNEMUk0MmxyRHFXUEtoSVJjaW5vZ2ZvTDFjSVhjU2hwZ3VDZzJXMjEtTlVRbzVNNzJZam4xazk5eWYyMzJGOHYtcTZF?oc=5) · koco.com
- 2017-08-01 [FBI asks public to help identify Cushing bank robber - The Oklahoman](https://news.google.com/rss/articles/CBMiuwFBVV95cUxPVHkwVXQyQk1XUkF2Szk0T1VBYklzVWNFU2FtVnllSzRFYjFUSHppMFRZUnZsSmgtQTdrc1hmUV84UzJldlh5WFFKOXlLeG1aOUlaeUlVVE83QjZWNUJ0RjBtN2ozTHZfRVVORnZlRm9OZkdvMjRYZ1R6eTY2TkFWQzNtRmkxQXJFbndodUNaZnV6QWZJVFhLb1Z5eHlNMXRXcHhSMGdTQUxsS0doa1piTm1Bb215X3ZYbEFV?oc=5) · The Oklahoman
- 2025-11-17 [Shirley Sue Boling Obituary (2025) - Cushing, OK - Palmer Marler Funeral Home - Cushing - legacy.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxOTHFMTVI5ekdwbFBiOFVfcTBDamt0YkprRHpwSElobGs2UUQzNkhkc2lmZkU3SG52a2J1WUpObExRY2dPSkdGSnJ5X0w1QnR0ZFBIb3FLQW9vcTZYSmI0NFFXSkxiR2E4a2lYUHNrZ0N2U1p0eko4WmNJTjZ2QnYtbEJGTQ?oc=5) · legacy.com
- 2021-01-26 [Theron Oscar Worth Jr. Of Manhattan And Bridgehampton Dies January 19 - 27east.com](https://news.google.com/rss/articles/CBMiowFBVV95cUxNTnhmOE5EMnAxMW5kVHNEblplVGx2b3NfZkRKa3ZON3plLWxUMG42ajVKSlVLNS1WMHBCQWhHQzIxQkt3Z2NSWEVuQURrbENJQlh4R1NaamVnUmF1SlNRN0llNlpXMUI0UmhVb1pSX3lmX28zU3pXbEs0TmpGSjQ0ZkdGZTFIWWI5cmFlNmpycWZQYk4xdlltOFBXV1FrMEswUDhj?oc=5) · 27east.com
- 2006-11-11 [Cushing Holiday Home tour set - Stillwater News Press](https://news.google.com/rss/articles/CBMiwgFBVV95cUxNbnRjN2RSalZQS3BpWkNRNG1JYmZGdDJjQW5iTzFpRk5rSlpWTE9PVWtkeXJzcEM0U190VnBEM2oxQ3lPT0FfNWx2THUtcVkwZXF1N1d1cmtyNUdJdWRkai13SnBtaW1lcEl4TEhSWEpUN3RQQy1fdUdqSmpoZGx6SUp6RjJPMl9wMzZfcFJNbEV6ZXU4aV9yOVpOamtucXhmN1pxQ051OTFfWlpNNmxHT2VhWkFPWmQ1b0ZEN2FZVG15UQ?oc=5) · Stillwater News Press

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=4075 (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/43.json (key "4075", 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