# STOCK EXCHANGE BANK
WOODWARD, OK · FDIC certificate 414 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $309.7M | |
| Deposits | $252.7M | |
| Loans and leases | $143.3M | |
| Total equity | $54.4M | |
| Loans / deposits | 55.62% (p9 of band) | 82.04% |
| Liquid assets / assets | 49.72% (p92 of band) | |
| Uninsured deposits / deposits | 39.89% (p87 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 18.02% (p96 of band) | 10.81% |
| Unrealized securities loss / equity | -5.35% (p61 of band) | -8.10% |
| AOCI / equity | -0.64% (p35 of band) | |
| ROA (annualized) | 1.55% (p67 of band) | 1.28% |
| Net interest margin | 3.87% (p47 of band) | 3.91% |
| Efficiency ratio | 49.59% (p18 of band) | |
| Noncurrent loans | 1.18% (p77 of band) | 0.43% |
| Net charge-offs (annualized) | 0.20% (p91 of band) | |
| Reserve coverage of noncurrent | 166.01% | |
| Real estate % of loans | 61% | |
| Construction % of loans | 15.14% (p20 of band) | |
| Auto loans | $6.3M (4.43% of loans; DQ 4.85%, NCO -0.02%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 0.3% | |
| Employees | 33 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **charge-offs p90** (`aq_nco`)

## 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 | capital falling | reserve under noncurrent |
| 2012-06 | 1 |  |  |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 0 |  | capital falling |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | deposits shrinking |  |
| 2016-06 | 2 | assets shrinking |  |
| 2016-09 | 3 | uninsured deposits leaving |  |
| 2016-12 | 2 |  | uninsured deposits leaving |
| 2017-03 | 0 |  | deposits shrinking, assets shrinking |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | charge-offs p90 |  |
| 2017-12 | 0 |  | charge-offs p90 |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | deposits shrinking |  |
| 2018-12 | 0 |  | deposits shrinking |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | deposits shrinking |  |
| 2020-03 | 0 |  | deposits shrinking |
| 2020-06 | 2 | capital falling, charge-offs p90 |  |
| 2020-09 | 1 |  | capital falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | charge-offs p90 |
| 2021-06 | 2 | capital falling, charge-offs p90 |  |
| 2021-09 | 1 |  | capital falling |
| 2021-12 | 1 |  |  |
| 2022-03 | 0 |  | charge-offs p90 |
| 2022-06 | 0 |  |  |
| 2022-09 | 1 | AOCI drag >20% of equity |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 0 |  | AOCI drag >20% of equity |
| 2023-06 | 2 | deposits shrinking, assets shrinking |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 3 | uninsured deposits leaving |  |
| 2024-03 | 2 |  | uninsured deposits leaving |
| 2024-06 | 2 |  |  |
| 2024-09 | 0 |  | deposits shrinking, assets shrinking |
| 2024-12 | 0 |  |  |
| 2025-03 | 1 | capital falling |  |
| 2025-06 | 1 | charge-offs p90 | capital falling |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 2 | capital falling |  |

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

- 2026-06-22 [After decades in Woodward, Stock Exchange Bank plans merger with Cowboy Bank - Woodward News](https://news.google.com/rss/articles/CBMi8AFBVV95cUxQbzA3M1pRczZzZTFOTk1HTnhkS1prcnJweU1NWHA1NDFKenBXSGw4TTNaaGx5cERYVFY5a21MajdrMjhxMUZRNHdBUWo4UlBNakFqZGdGc1VHNENiVTlaYlpEZmwwWE44RjVVTUpzMUxOZ0xmbVZBV05VVTFEWUVqZVFZN1FGdGg4cnpmbWhubWRrTThhZ05HWXUtNFdrOWg0SHNzUjIyR2FHQnNnMy1jaGlsR1piX3JEa1psMlNld250dUZHSktsbGtMSTlrNlA1d1h1c3NTZ2J0N0piQlpMRWVHMjM5WWdkVnJOZlhYZ28?oc=5) · Woodward News
- 2025-12-10 [Becky Eva Peebles Obituary Dec 10, 2025 - Shaw Funeral Home | Vici, OK](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE5NTURPdWpmNGw3ZkxfQ2xQS3Y4OHZlN1dIV2lwQjlNUnpRUGVkYjRoVlRHTjFGNzA4UHV4QUpqX3A0NVc5a0I3cmFuaG5JRXZsVEI2TzZfRkFLdmN1ZVhCYkNLRlFodDQ?oc=5) · Shaw Funeral Home | Vici, OK
- 2024-06-10 [Janet Paulson Obituary Jun 6, 2024 - schaudtfuneralservice.com](https://news.google.com/rss/articles/CBMib0FVX3lxTFBYdG84bEpfM21od2dWM1pBN1oweV90VW1LQ0dVSW9zVFQtU1RPd0NTNVo3TUJfbEVZdXJwWFdUcmNwX0RPaGtFd1R4dUJud3dFZmUxUWtXNzFuN21jRDdreldxa2g2eEkwZ2JlbFJvcw?oc=5) · schaudtfuneralservice.com
- 2024-06-15 [Obituary for Roberta Harris - Ferry Funeral Home](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE51V0dEN01iaU1sLWNnTFhMcGJOTW4yNVowY1FYZjRUQnViWDNvSXdsZUVva0VMSXowRXZMYmNSTVJER3BNeXVWQjlybEc2UlR1b2JYZ0pTYTBkdFg5Wm5NU1lnQnhXNlE?oc=5) · Ferry Funeral Home
- 2023-09-17 [Building up Woodward: Stock Exchange Bank marks 120 years of service to area - Woodward News](https://news.google.com/rss/articles/CBMi_wFBVV95cUxONl9wYVpMSVFoWDJFaHJJRkJYRVZQQnY5RDdkdjFXOUJINmFEVTRseUVXMU5CMmwzS2tUZUxPUkpPR3lyclVBNmxUblFMdnVKbUUxV2Nnb1VkQ2Y2NkxFOEdpXzFtVUUtZnotUUZucDZuOEE3TWpSb3J4VnF1c0UwTEJBQzNPOFV6enpGWnlja2dBX2FaVWcwOUZDUV9Sei1MbVgyRWhfSVlBLUpMU0pTLVJzZzAxRVRsTkJhRlhnTWVSWXAzQ0huaGEzMnhMS0NaT19fb1ladGd0ZEd5ZGMzYW5iVWlSYVl2S2xWU2hlaWJ3ZExiSFV2UHdzeGNhbk0?oc=5) · Woodward News
- 2017-09-17 [Business people: Oklahoma firms' new hires and promotions - The Oklahoman](https://news.google.com/rss/articles/CBMixAFBVV95cUxNU1QwX2VqWUVickl5THVJeG83cEpGRm5wdFV1UGJFcVZTVHRmM05Ramt1TGRQUGtkbDJxVDE2ZmxQN0p6TWlrOVRyS3hoNWpxSlNsYjAxWTFZZHVOLXpfblNEbkc4SExfZ3dpVzEzb05CbS0xaVBaM0lhcGM5M2ctWlIwSzRvR2J0ODZNa0szclZ4WnRObHB3Vl9aUVpHaVJWMjNuSHBrbm9rMXduN000Q21aZ19lazFVQlVOMXhkX1k2Wkd4?oc=5) · The Oklahoman
- 2024-06-02 [Barbara Ester Cardiff Obituary (2024) - Vici, OK - Shaw Funeral Home - Vici - Legacy obituary](https://news.google.com/rss/articles/CBMihAFBVV95cUxNSW9iX3hsRzBPUnJya0pGS2xJNkE2RzE0ZmpsVXBHdktDNVE4SmJOOFJfRE55T3hyMF9xNUMwMDJpeTRBUU00Y1ZBWE9obVUxazVtSFlYM29DN04ySmVYUTJVNU1XRUJLakR3Z3ZpSy11S3lpb1ZhazU1R2RwbUJobW1FcXc?oc=5) · Legacy obituary
- 2014-07-13 [Leadership Oklahoma announces 28th annual class; 2 locals named - examiner-enterprise.com](https://news.google.com/rss/articles/CBMitwFBVV95cUxQbHVMWlVaTU5xdXZvUVliUU1SRlFMa1NxaTlheW9rUjQ2el83ck9VV0FvbzJJM2E0Mi1nQXJNMkxJdXFublVscDM5RnF1bzlBN2N6Yi1RcWVKUjZyNFN3aXltNU5NNVF0MmdUOEN0TUZ5WFBxbEMyREhYdVd4MzlYbXljcWNucjBhc04tZWItdTR0Q2VreUFNdmhKMmdvRDBQTTN1XzhtUVJUVVU1eEg4UGlUSmlod3c?oc=5) · examiner-enterprise.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=414 (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/30.json (key "414", 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