# BANK OF EUFAULA
EUFAULA, OK · FDIC certificate 4094 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 5 (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 | $87.1M | |
| Deposits | $77.0M | |
| Loans and leases | $23.2M | |
| Total equity | $9.5M | |
| Loans / deposits | 29.53% (p7 of band) | 73.59% |
| Liquid assets / assets | 64.03% (p90 of band) | |
| Uninsured deposits / deposits | 29.83% (p81 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.09% (p54 of band) | 11.76% |
| Unrealized securities loss / equity | -14.70% (p31 of band) | -6.57% |
| AOCI / equity | -2.72% (p7 of band) | |
| ROA (annualized) | -0.04% (p6 of band) | 1.17% |
| Net interest margin | 3.53% (p30 of band) | 3.93% |
| Efficiency ratio | 101.23% (p95 of band) | |
| Noncurrent loans | 0.46% (p54 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p60 of band) | |
| Reserve coverage of noncurrent | 479.25% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 9.55% (p37 of band) | |
| Auto loans | $816,000 (3.51% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -11.3% | |
| Employees | 23 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **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 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 2 | capital falling, charge-offs p90 | reserve under noncurrent |
| 2014-06 | 1 |  | capital falling |
| 2014-09 | 1 | reserve under noncurrent | charge-offs p90 |
| 2014-12 | 1 |  |  |
| 2015-03 | 2 | capital falling |  |
| 2015-06 | 2 | uninsured deposits leaving | capital falling |
| 2015-09 | 3 | deposits shrinking |  |
| 2015-12 | 1 |  | uninsured deposits leaving, deposits shrinking |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 | charge-offs p90 | reserve under noncurrent |
| 2016-09 | 3 | reserve under noncurrent, uninsured deposits leaving |  |
| 2016-12 | 3 | noncurrent p90 | uninsured deposits leaving |
| 2017-03 | 3 | capital falling | charge-offs p90 |
| 2017-06 | 3 |  |  |
| 2017-09 | 1 |  | noncurrent p90, capital falling |
| 2017-12 | 2 | losing money, expense ratio p90 | reserve under noncurrent |
| 2018-03 | 2 | capital falling, charge-offs p90 | losing money, expense ratio p90 |
| 2018-06 | 0 |  | capital falling, charge-offs p90 |
| 2018-09 | 1 | assets shrinking |  |
| 2018-12 | 1 | expense ratio p90 | assets shrinking |
| 2019-03 | 3 | capital falling, deposits shrinking, assets shrinking | expense ratio p90 |
| 2019-06 | 0 |  | capital falling, deposits shrinking, assets shrinking |
| 2019-09 | 0 |  |  |
| 2019-12 | 2 | expense ratio p90, reserve under noncurrent |  |
| 2020-03 | 2 | capital falling | expense ratio p90 |
| 2020-06 | 2 |  |  |
| 2020-09 | 1 |  | capital falling |
| 2020-12 | 3 | losing money, expense ratio p90 |  |
| 2021-03 | 3 | capital falling, NIM <2.5% | losing money, expense ratio p90 |
| 2021-06 | 2 |  | reserve under noncurrent |
| 2021-09 | 2 | reserve under noncurrent | NIM <2.5% |
| 2021-12 | 3 | expense ratio p90 |  |
| 2022-03 | 3 | charge-offs p90 | expense ratio p90 |
| 2022-06 | 5 | AOCI drag >20% of equity, securities losses >30% of equity, noncurrent p90 | capital falling |
| 2022-09 | 5 |  |  |
| 2022-12 | 5 | expense ratio p90 | charge-offs p90 |
| 2023-03 | 3 |  | AOCI drag >20% of equity, expense ratio p90 |
| 2023-06 | 5 | losing money, charge-offs p90 |  |
| 2023-09 | 6 | capital falling |  |
| 2023-12 | 7 | expense ratio p90 |  |
| 2024-03 | 7 | assets shrinking | expense ratio p90 |
| 2024-06 | 7 | deposits shrinking | capital falling |
| 2024-09 | 8 | uninsured deposits leaving |  |
| 2024-12 | 8 | expense ratio p90 | uninsured deposits leaving |
| 2025-03 | 4 |  | securities losses >30% of equity, losing money, charge-offs p90, expense ratio p90 |
| 2025-06 | 5 | charge-offs p90 |  |
| 2025-09 | 5 | expense ratio p90 | noncurrent p90 |
| 2025-12 | 4 | uninsured deposits leaving | reserve under noncurrent, charge-offs p90 |
| 2026-03 | 5 | losing money |  |
| 2026-06 | 5 |  |  |

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

- 2026-06-26 [Fed Board Enforces Action on Bank of Eufaula Employee - Mirage News](https://news.google.com/rss/articles/CBMihwFBVV95cUxOMFhmOUUwdmJCcVpUTVEzbVFBaFVOSDhJQWJyY3BEblZxakxyQ21xOFpGenRvYjJGZ3UzWmZHWnRBMUt6MkM0d1hHNTFSMl9hMl9IZkk5cmZaN201TXl0RzlIT0c0WG5IdFFlSmhJZ2hkbHFvd0NLZ0RRTExvdmRZNVNZR0ZjdDg?oc=5) · Mirage News
- 2026-06-25 [Federal Reserve Board issues enforcement action with employee of Bank of Eufaula and S N B Bancshares, Inc. - Bitget](https://news.google.com/rss/articles/CBMiXkFVX3lxTE11aUlaQVhXaFpQR2Rmb0FhLWxhcnRUc2dyZko0bzkzYzZ5QlpEelRuTkN6Vk9XazNRLXdRVkR3eFRlZ1ZrWkpGMzluMEt5N3lXMEJReGd2YVZwRjlyNEHSAWNBVV95cUxON3BjeDNjQTZEdHlaSnAyMmpTM214ejM3VTMzWExJMEQ5cEFSMnJaeWFyYkY3UXZYS0ZHZzNnX3JlUVZOM0xNeHUxWm0xVXhjejdHTUx4djNDc1BHLVZnUUJZQ3c?oc=5) · Bitget
- 2016-01-21 [2 Dead, 2 Injured After Eufaula Bank Robbery, Shootout With Troopers - News On 6](https://news.google.com/rss/articles/CBMivgFBVV95cUxNTkdwLVZiQURidTBFV1JNdE5VT1pjTjZqOWdLaWwzUEN0QVdSQzhWOHRqeTRUeFRTY0ZNcWtTd2x1REFvQjd2WEczNmFVWlhibGdLNmw1ZFJxRFhqN2k4Z0xZUGFyUlJBMmFSQlQwd2Z6aDZMZEpVMm9JbWdkRFFGQkdxQk5PNUg0UzdtSnVpVjJaOUlMNzlubDVIcHB0NE5mMXJkbFcyeDV2UFdoeHMxTzR6bFItTHBFYWdUc09B?oc=5) · News On 6
- 2016-01-22 [Bank president, suspect killed in robbery, chase in Eufaula - KOCO](https://news.google.com/rss/articles/CBMimgFBVV95cUxNcFdMVmJwWV8wQi1HclR3UWVaN29UQ0Qxd2E5TXoxa3hORkk4Z0h4RWhCQ1R3NlJQQ0tqU0xTeXJzTDBiMWs4RG0tZnR3ZzZpSzZmRnBtWjAwdHJEUDhCWXVidXdIakpnTHhyZ2lwa0FMSzZrY3piREZQTGlTS3hkQjh3TjFhbkRTSFdTLXNLZTdLRlo1NVFiNFBn?oc=5) · KOCO
- 2017-06-15 [Victims of 2016 bank robbery file lawsuit against Tulsa, Creek counties and DOC - KTUL](https://news.google.com/rss/articles/CBMiuAFBVV95cUxQeEJhSnZkTUtJTlNHVkhkSnNtZ2E0U25BdUZXdktfTHFfZjZjM1p1elpYR2QzZnlPNFdtc3pCbVRZV0hzM0VFUThVemt0VHp2NzZiakVxNVNXZnIwbUVrb01Hc1FfbXVDY1NtQ01RckFiX28ydUJkT0lzTHhsTlVRQl9XVmxnb1BLNmxpcXNVV0Q3T0VTYzNaUFBpTXdOa0VGR1VXNHhHRzlwUElrcGtWZ1JpSzdPbHRP?oc=5) · KTUL
- 2016-02-11 [Fallen Bank of Eufaula president wins school board race - KOKH](https://news.google.com/rss/articles/CBMinAFBVV95cUxQM0F5SDg1VFRWeTQ5OV8zd2dsTThhRi11cEJRUVdOY25KcW80Nkt4b3ZUel9jTl8zQTNCenZxczlicmlZMWZIdC1nN0wwUG9wai1BRnNnX2UxUEV6aUFBTF9OclFHYmlkaHRKTFlRNmVxV0hCZmVBaW1SVjNvZGhvRGdFRW1fOTgtV0lad1dKZ1pGNVdhdFgyX0hFUVo?oc=5) · KOKH
- 2017-06-16 [Oklahoma Victims Sue Over Shooter's Wrongful Prison Release - NBC 5 Dallas-Fort Worth](https://news.google.com/rss/articles/CBMioAFBVV95cUxQNlh5R2gzTzJQZXd3bEVydzYwWWVBNGtoY0FwZ2Y5S0t1dnloaDg2MnV3eVJMbktxYUZRdWY4NHpvNVJEYXpPRVMxN1J2TlFfMy1hTmdmYTBvVXZHSEZqQnpLRXhaaWFDSW45b2JRZlREX1VkWFJoMzlzamctc1ZQc3VBaVI3NmFWZTVDc2s4T08yMjRtbzdLdGZvaTJ0eTZa0gGoAUFVX3lxTE5zTkYzLTBWRW5iRUMwM0h0T3NTRURoOEI0czlPLVVxLV9MV1JweUpPNjZMT2c4MEtScmFHcnMyMEFBSjlkZk1rVGhoWnJTQ2NmZFlHNmhvOUhJbm9fUUJmallFb1pTSHNiLW9FN3M5Rm9Yd1Y3eUtXMTJnbnF1cGdSOGtIeTBpY0JRMGtoN0oydFNjNHJXRlVJV3pXUkEtTkpHMTBMZ241ag?oc=5) · NBC 5 Dallas-Fort Worth
- 2016-01-21 [Eufaula bank president shot dead in robbery; FBI identifies robber who was also shot to death - The Oklahoman](https://news.google.com/rss/articles/CBMi8wFBVV95cUxQUEJZSUlSck9UcW13VU9BX3FIZ19vbDRVZUhZX1VJdEtkMjRSZ3R4Q3ZyUV80aW12R0FMUnAyTDkyVE0wcHEzM0hoZWk4UlQ4WGsya3RuUUJySWxhM2cwRW9VRkI2UFpwcnRmT285cTl0T0ViSWhKRlNpV0M3czFrbGd0OUpKcGJabk5rLUVwT3BwMGVtQVZwc1l2eDJqZUNpSm8xdy1ub2FrcWZZQmFFOFpHOGhObFI0WGRSRTBtYXduWTNpd2tpeG5jNGZtaV9oZXlETkFodW05U2hudUJfS2FTRDd0TEtMY2JhejdYTXZXYUE?oc=5) · The Oklahoman

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=4094 (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/62.json (key "4094", 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