# FIRST CAPITAL BANK
KINGFISHER, OK · FDIC certificate 416 · asset band <$300M · latest filing 2012-03 · FAILED

**Verdict on the desk:** this could be *credit-stressed*. Composite score 12 (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 | $44.4M | |
| Deposits | $44.8M | |
| Loans and leases | $30.0M | |
| Total equity | $-656,000 | |
| Loans / deposits | 64.59% (p43 of band) | 67.95% |
| Liquid assets / assets | 15.64% (p7 of band) | |
| Uninsured deposits / deposits | 0.18% (p2 of band) | 8.38% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.60% (p42 of band) | |
| FHLB advances / assets | 0.60% | |
| Tier 1 leverage | -1.34% (p0 of band) | 9.95% |
| Unrealized securities loss / equity | – | 2.77% |
| AOCI / equity | – | |
| ROA (annualized) | -18.53% (p0 of band) | 0.78% |
| Net interest margin | 1.59% (p2 of band) | 3.77% |
| Efficiency ratio | 450.38% (p100 of band) | |
| Noncurrent loans | 22.94% (p100 of band) | 1.40% |
| Net charge-offs (annualized) | 20.09% (p100 of band) | |
| Reserve coverage of noncurrent | 15.08% | |
| Real estate % of loans | 57% | |
| Construction % of loans | – | |
| Auto loans | $1.2M (3.98% of loans; DQ 10.79%, NCO 0.41%) | |
| Loans to nondepository financials | $0 (– of equity) | |
| Deposits YoY | -58.4% | |
| Employees | 15 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **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 | 6 | liquid assets <10%, leverage <7%, losing money, expense ratio p90, noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 3 |  | leverage <7%, losing money, expense ratio p90 |
| 2011-09 | 9 | leverage <7%, leverage <5%, losing money, expense ratio p90, charge-offs p90, construction >100% equity | liquid assets <10% |
| 2011-12 | 9 |  |  |
| 2012-03 | 12 | NIM <2.5%, deposits shrinking, assets shrinking, uninsured deposits leaving | construction >100% equity |

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

- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 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
- 2011-07-18 [First Capital Bank makes way for InterBank - Guthrie News Page](https://news.google.com/rss/articles/CBMie0FVX3lxTFBialVuSWpqUWY0cmZGRlNlQjVlVGhHcWdwZ3pIQzFfdVhnUF9JZ0xKWFNlSjRGTXg3Smx5LWN3anNBSGtDTVhaTUFLSnU1YTJpT3hCd2l5a3pRU0N5a2pDMExxYVpERWZsbThoVkJkeS1kSUJ2UmZjalhsMA?oc=5) · Guthrie News Page
- 2022-10-31 [Cynthia White Obituary Oct 31, 2022 - Lanman Funeral Home, Inc](https://news.google.com/rss/articles/CBMiakFVX3lxTFA3ZnpIaTBfT0ZCZW0wRVZ1Rncxa3Q0UjBta0lTS0M0WExWck1FOHNtMzItNGxXZWZJUF9fbU5ZcDNnS2llZUJoRm5HQTNxeEFfOFZqT3hpWHQ5N1RaN1FwVjh6QkZQZVJCb1E?oc=5) · Lanman Funeral Home, Inc
- 2022-11-07 [Cynthia Ann (Bode) White - The Oklahoman](https://news.google.com/rss/articles/CBMiXEFVX3lxTE9ZUjN1YWZNXzZaQXQ4ejVIejRFY2VERDlHRWdNeU9qdHR6UmhtNWtGNnRWRzJJb0cwMFlJNHVkVTFLa3ZWeHlzcnFvMzFQbWwwVHpZQlllejRvbWUw?oc=5) · The Oklahoman
- 2010-12-04 [Developer Robert Stone arrested again - Columbia Daily Tribune](https://news.google.com/rss/articles/CBMirwFBVV95cUxPTHJVNGZIekhvRVVzUXR6bThmRk9Tc0RBckdmQjlPdVc2eTFyekxFVVN4ZS1vUXpOTkl4bjBBTGNxQTQ2LTlnVzg0QVo3cGFKbktLbE1sSmJwX0VQWkZlZnhVcG0zaHYwYWNULWlRNzRFWWVockZNVjVXSFNOcWV5SlVFT1RJWHJSaDZBSkNIRTd0WEgzRjA0U1dYaVJJMjd1ZkpDUFhBeDFabHExUVc4?oc=5) · Columbia Daily Tribune
- 2019-12-13 [Mutsambiwa forced to leave First Capital Bank, haunted by Tongaat Hullets ghost - NewZimbabwe.com](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNcEtlZ2M4TjFfTldOUElPeWFWQ3pYUEE1eG95RFprVTdJcy1XclFTVmZualVPQVZ4Y1JPUzYzb1ZjVlBOZnJQUzlHLUt6aTRTRFVwajl4TTlTR2dQUHZ5OW1KclJzNk5mcWtpZERrVzRJSks4VlhCYldWZXZ0VmIzTFRVbDRRVHVmbXhaS0lveWlGajR2VURoa2M1NDdLa1lhSjJZaWwzTldkUlE?oc=5) · NewZimbabwe.com
- 2013-05-20 [Junction developer Robert Stone faces $1 million restitution order - Columbia Daily Tribune](https://news.google.com/rss/articles/CBMirwFBVV95cUxPcEo3Z3RMdG1tbU1FQlpkYm1IZUhYUXZRaTBDWmdvZ1lSVkQ5T2lIN1hLNzE5bnlLM3lyb1k5ckNwbjAzTVhIUkZobTNET3FpaTgwQ0lhckd3bmdacjh6eWxnNTJrMVB4MnpDeEIzNmUzalpEYUR2Qjl6QVBhWmQ0SFozYUlXdXFaREZXUE1lOEl6WTBRVmlWYVZCcUNxeTZheFVkdThOS294b3o4a2dB?oc=5) · Columbia Daily Tribune

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=416 (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/32.json (key "416", 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