# BANK 7
OKLAHOMA CITY, OK · FDIC certificate 4147 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. 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 | $1.91B | |
| Deposits | $1.64B | |
| Loans and leases | $1.60B | |
| Total equity | $265.3M | |
| Loans / deposits | 96.65% (p79 of band) | 87.10% |
| Liquid assets / assets | 14.31% (p19 of band) | |
| Uninsured deposits / deposits | 23.75% (p27 of band) | 30.76% |
| Brokered deposits | 19.67% | |
| Wholesale funding | 19.67% (p89 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.88% (p89 of band) | 10.50% |
| Unrealized securities loss / equity | -1.25% (p86 of band) | -7.75% |
| AOCI / equity | -0.01% (p74 of band) | |
| ROA (annualized) | 2.10% (p91 of band) | 1.26% |
| Net interest margin | 5.00% (p95 of band) | 3.70% |
| Efficiency ratio | 45.31% (p13 of band) | |
| Noncurrent loans | 0.39% (p39 of band) | 0.51% |
| Net charge-offs (annualized) | -0.01% (p4 of band) | |
| Reserve coverage of noncurrent | 309.91% | |
| Real estate % of loans | 64% | |
| Construction % of loans | 88.63% (p82 of band) | |
| Auto loans | $4.0M (0.25% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 2.7% | |
| Employees | 129 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)

## 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 | 2 | capital falling |  |
| 2012-06 | 1 |  | capital falling |
| 2012-09 | 2 | construction >100% equity |  |
| 2012-12 | 3 | capital falling |  |
| 2013-03 | 1 |  | reserve under noncurrent, construction >100% equity |
| 2013-06 | 1 | construction >100% equity | capital falling |
| 2013-09 | 1 |  |  |
| 2013-12 | 3 | brokered >10%, wholesale funding >15% |  |
| 2014-03 | 1 |  | brokered >10%, wholesale funding >15% |
| 2014-06 | 2 | brokered >10% |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 3 | charge-offs p90 |  |
| 2015-12 | 4 | wholesale funding >15% |  |
| 2016-03 | 6 | capital falling, reserve under noncurrent, uninsured deposits leaving | charge-offs p90 |
| 2016-06 | 3 |  | capital falling, reserve under noncurrent, uninsured deposits leaving |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 3 |  |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 3 |  |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 3 |  |  |
| 2018-06 | 1 |  | brokered >10%, wholesale funding >15% |
| 2018-09 | 1 |  |  |
| 2018-12 | 0 |  | construction >100% equity |
| 2019-03 | 1 | construction >100% equity |  |
| 2019-06 | 0 |  | construction >100% equity |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | capital falling |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 5 | loans exceed deposits, liquid assets <10%, noncurrent p90, reserve under noncurrent, construction >100% equity | capital falling |
| 2020-12 | 5 | brokered >10%, charge-offs p90 | loans exceed deposits, liquid assets <10% |
| 2021-03 | 2 |  | construction >100% equity, brokered >10%, charge-offs p90 |
| 2021-06 | 2 | construction >100% equity | noncurrent p90 |
| 2021-09 | 3 | charge-offs p90 |  |
| 2021-12 | 3 |  |  |
| 2022-03 | 2 | capital falling | reserve under noncurrent, charge-offs p90 |
| 2022-06 | 3 | brokered >10% |  |
| 2022-09 | 4 | noncurrent p90, reserve under noncurrent | capital falling |
| 2022-12 | 5 | wholesale funding >15% |  |
| 2023-03 | 4 |  | construction >100% equity |
| 2023-06 | 4 |  |  |
| 2023-09 | 4 |  |  |
| 2023-12 | 5 | charge-offs p90 |  |
| 2024-03 | 4 |  | charge-offs p90 |
| 2024-06 | 2 |  | noncurrent p90, reserve under noncurrent |
| 2024-09 | 2 |  |  |
| 2024-12 | 3 | uninsured deposits leaving |  |
| 2025-03 | 2 |  | uninsured deposits leaving |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |
| 2026-06 | 2 |  |  |

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

- 2025-10-07 [Israel detained 20,000 Palestinians in West Bank since 7 October - The New Arab](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOQndDY05JSW9vWGxWZ0xOYzJqdk9Uc2M4SGRjZjROc1gtT08zeXVYNUxmUEZlOFg3NjJRZFF0anpId3AxSXA3eGhROXk0djFoMmtWVk5hbjVldEloQlg0YU5MWXR3QXNCaXBLTFhuaExpQXJUeUJ1d2ZPUlFrUXF0amZuSlJwV01hRjBr0gGQAUFVX3lxTE83NS1fc0EzcjlFWlMyaHhSRTJOenR1NW5yVFVwRmJPMnhhZG5mV1ZPUGc3bng3TFZuLTY4THloc2lTZWlDb05fTDIwc2gtQ1lVeVRoaGJzLWZvN2dCWE9XS3Mwc21Iai05YmpiYkltQ2FrN29uUENBenk3T1dwZ0hEamZQS0hPNmZFSXZ4ZDlIdQ?oc=5) · The New Arab
- 2021-06-03 [Man robs bank to use the money for girlfriend’s bail - southwestledger.news](https://news.google.com/rss/articles/CBMihAFBVV95cUxOUXAxMDRCdk01NUMzSWhndFZvNTM3QjYyQXdfdWNVRmZzd0Zmd0FOQlQtX01BZ3VRRkI1MjZFR2IxVmxEdDNzRk05a0pUajFYaW9kM3FwbDJleXd5R1FLTVc2cHl4Mnpvd1ZyUXJJRFJlazFxSnJIaFZrb0NPOHN5MHdwTGQ?oc=5) · southwestledger.news
- 2024-10-14 [Hacker confesses he stole his own brother's identity in taunting letter to 7 On Your Side, challenges ABC7 to help victim - ABC7 Bay Area](https://news.google.com/rss/articles/CBMi0AFBVV95cUxPb0ttb3VJeVFMMjFmX05PeVNESFNLdVBYa2tONm1oeHlKbElMYl9BeVdmLTNVMy1zVTV4VTJ3eGZNaFI5VEVmUTA2RnlNQThiWmpKb2k0T0UwVk9yMVdoZS1xOWhhQUNIX2tCYTd4QjhJckxCR0dKV0Q4aHREc3F3RFpoNjZ3Qk9aN3R3X2RUME1TQmo3aGVJUmhUSURNVDVjNVhuVDF4cDAtc3RzZm9UVFpCdjVoOHczS1FnaDZfRl9BNUVRQVBYWU8tQy1XMXdy0gHWAUFVX3lxTFB6RWRsLXNZUkE0Qk5OMmV6THVrOGVNVC1QQ0ItLV93cXpUUUFFdzhSRFpiNVplbnFLTnA3Skh2SXd2blpjNHJGWkRTMUNpN1RlcGg0S3pIWmNrT05YWXdOZHpPUDhyUlFBYjRBdFFTUGxwOGQtbGozRHlMNVQ3Ml9qWmZGa05maFlmY0ptOGVlMklLcnBGdWNOUXBFN2pZZlVLcmtBak1semRsS3FXZkg4OTFpdFFGMGR4TnJpQjAtMHdjdUt6SGN3MXhldjY4dVI4LWZGWkE?oc=5) · ABC7 Bay Area
- 2024-01-18 [Public Opinion Poll No (90) - pcpsr.org](https://news.google.com/rss/articles/CBMiSEFVX3lxTFB2UzZHQnJkM3p2Z095dVNiTWEyVFdFZ3V3UmI0Rzc5b2g5d3J4azlXRHgxOV9mZkt3U19Zek1qTkZ2MnBBcGxDLQ?oc=5) · pcpsr.org
- 2025-09-08 [James Michael Sanner Obituary Sep 8, 2025 - Smith & Kernke Funeral Homes & Crematory](https://news.google.com/rss/articles/CBMiZEFVX3lxTE9pQ25kQy1Kd1R4QS1ad0QyX004ZjNNaU5KUUwwV1ZHeWlSM1VPVC1zWEZ1dEp1THExTHExaHJkODE0SW95REdSM0lhekpLRFNpNGFDRS1FclVMXzRST2NtSzYtRHQ?oc=5) · Smith &amp; Kernke Funeral Homes &amp; Crematory
- 2022-12-13 [Oklahoma high school sports notebook: Mustang Holiday Classic set for Dec. 28-30 - The Oklahoman](https://news.google.com/rss/articles/CBMi0gFBVV95cUxPTVRaRlYwcnNZZzk5RjlzeFhLbWZBd1JSZnNkSnI1Y09jYlhRUE80MFdhcGZ6ZVRRQ0NJN2l6SThpU3FOQWpBSXZwUWppWlJZVlk3UEV2Z2VTX2c4TWlPV04xb3ZGcmNUZnIweVRmc3Q1aFFrU2VkZDdVQ2Y4VGxyOFVrVDZJMGs4djAxVnRGdjdVSXdURVNPYnNaOW9UN0VSbF80VnU5LXEzT3RWaEtqd1gtZkdUZTV0Qm1rT2gxWXNwXzN3UFJMQTE1WnBLbFVkYnc?oc=5) · The Oklahoman
- 2012-07-02 [Experts reflect on failure of Kingfisher’s sole community bank - journalrecord.com](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQQ3VaZzJuRHlyNk85dDBRU21VbkNVX1JxZ05LcmVvbkg0VGVNYlJBRXJTdGZfSExZVjVFeVZFdWkxV3B6UEdTVTdaMkI0YzZpZ08zRERDZHNucmlMcWxURWNnVjZ3bTdPS01zTjFwaERVWV9sZ0RENjR1UGJ4UEp2cTVuQ1pjY2dWZlpMdnRXOEpYLXBTTEk4VkZUMUI4azRaeDY1Z3h4LUtvYWM?oc=5) · journalrecord.com
- 2011-09-12 [What's in a Name? - American Banker](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE1YRENHSndkOHZXMTZnVmFOVHFYbWpiSFE0STRFaUV4STdXdXFfd2dxYUdXYXBDQkt2aFVhY2NYUm1jUHNJcGRkaDFwMEdLXzdxT3owQU9iYkNCa3J6b1lkalEycXpmQ1E?oc=5) · American Banker

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=4147 (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/51.json (key "4147", 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