# BANK OF THE WICHITAS
SNYDER, OK · FDIC certificate 4198 · asset band <$300M · latest filing 2015-03 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $123.7M | |
| Deposits | $112.5M | |
| Loans and leases | $78.3M | |
| Total equity | $10.6M | |
| Loans / deposits | 68.51% (p47 of band) | 70.43% |
| Liquid assets / assets | 34.83% (p50 of band) | |
| Uninsured deposits / deposits | 14.43% (p56 of band) | 13.33% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p19 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.04% (p8 of band) | 10.49% |
| Unrealized securities loss / equity | 22.37% (p100 of band) | 1.32% |
| AOCI / equity | -0.12% (p4 of band) | |
| ROA (annualized) | 0.86% (p55 of band) | 0.80% |
| Net interest margin | 4.22% (p83 of band) | 3.57% |
| Efficiency ratio | 81.51% (p69 of band) | |
| Noncurrent loans | 0.05% (p18 of band) | 0.77% |
| Net charge-offs (annualized) | 0.06% (p76 of band) | |
| Reserve coverage of noncurrent | 3069.23% | |
| Real estate % of loans | 77% | |
| Construction % of loans | 65.05% (p88 of band) | |
| Auto loans | $1.3M (1.67% of loans; DQ 0.46%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -1.3% | |
| Employees | 54 | |

## Flags firing in the latest filing

- none

## 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 | 0 |  | reserve under noncurrent |
| 2013-03 | 2 | deposits shrinking, assets shrinking |  |
| 2013-06 | 1 | capital falling | deposits shrinking, assets shrinking |
| 2013-09 | 0 |  | capital falling |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | capital falling |  |
| 2014-12 | 0 |  | capital falling |
| 2015-03 | 0 |  |  |

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

- 2011-01-12 [Redneck Bank attracts customers with fun - The Oklahoman](https://news.google.com/rss/articles/CBMixwFBVV95cUxPNDgxQjQ3djVGSFpfNDRsSzFGTVp4dG5TNDlVR3lVX09XMXVEYmdQQXVHYzZxQWwwbWdtQmVNd1Zvb2tlWWdzM2Q1VVRzZVhrTHlWbE1GRE5RLWlRcTVXYUI4NW10aTRtUm9IZ09OYWdQbjNiNVJ2SzlQSFRaWVZjNG55V09jQlNOcFI1TWRyTTJNQ1poa3ZYbVg0U2FnOUs3bjVidVhmYlRwSk9wYUY3SUpmRzFXbUZXR2pNT21DM2I3eEt2ZXo0?oc=5) · The Oklahoman
- 2011-09-12 [What's in a Name? - American Banker](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE1YRENHSndkOHZXMTZnVmFOVHFYbWpiSFE0STRFaUV4STdXdXFfd2dxYUdXYXBDQkt2aFVhY2NYUm1jUHNJcGRkaDFwMEdLXzdxT3owQU9iYkNCa3J6b1lkalEycXpmQ1E?oc=5) · American Banker
- 2013-02-21 [Salem Five, other banks set up Internet units with higher interest rates - Boston.com](https://news.google.com/rss/articles/CBMivAFBVV95cUxQc3JkMUNfd0hpNW5IOUs0LXpQRkNuNzdvSGRHbTVaUTJjUl9BLThlVXY3OTlfaTNPRi1PSXd5SHBQTllDM0V2S1RaRFJTZ2JZaVJ6bU5OODNJVlNGck1VV3lHWWFFeEM2ZlZ3OTZZS3NGZFlvdklfT0x2SGlBREhUU3dkWmlLeFRVYTF1bGNoNGVkV05wZXpWTG5hTWp5X3lDV05URnBpbWcxU0ZsbzZ6OW4yUFFzc09wMWlULQ?oc=5) · Boston.com
- 2010-07-19 [UPDATE: Elgin Police say shooting was murder-suicide - KSWO 7News](https://news.google.com/rss/articles/CBMikgFBVV95cUxNNlhfaGFHZU5SUG9hb1lrVWVnTFN4dXdiTE5kaUxITWJMTWI1LUs4cDRGQU16NjY2UFA2Z21TeWxWaTVFOThfYUlUSnF5S25BeFNOdVlPSnlzcE44UWhBVlR1M240aDVYbXhEdXZNUHAzNVI3OEFPZmNEeFNIQ3drSFBMOFlDNUxaQ0JJblA1anM2UdIBpAFBVV95cUxPQTVIQUoySHRlVkFTN1pUeTlqdEFVY0h5UnhBUzdDSHo2QVpuOXF3THFxRFg1SE0xVWFBMkVucXhlNklDOEtXdnVBSWR0bTBUU0dBdUxZTmFMYXlMV2hwOG9UZFVfRHRhSXNERG5PWUFUNjUydlRUUjc1MGFPUExzcTRJUjh3RW5SWVhtNlgtWjZoVUV2LVQ2d3cxMjl6enlaZ0RRQg?oc=5) · KSWO 7News
- 2010-07-19 [Police: Lawton Firefighter Kills Wife, Commits Suicide in Elgin - News 9](https://news.google.com/rss/articles/CBMitgFBVV95cUxNWlJ2dzZOMkhTdFNza3h0c2ltSk5Wd2JNbVVNcWh4VWlIbEQzUHRUOW1qWUNPS3lpVnBYUUQyWVF5TS15NUgxbEpRaGt1VWhjTkI3MDdjYzlkQU96OWtHc2RTSklhcnpVUExWVThiU0dJOW1TeUdiSlJSSThqLXhEUEZwcG5YRkRmY2lkUzlvT3BqX2s4Qm5SOG9JZC1TWHAySTMwVEs2RXItLVprWDBTODc4OENhdw?oc=5) · News 9
- 2010-04-16 [Family, community mourn for Indiahoma man killed mowing lawn - KSWO 7News](https://news.google.com/rss/articles/CBMinAFBVV95cUxPbE1kSmlmTDZGWVBKWExvaHN6V21XZ3FxZ0Z1di1ENFA2eExGUGVEYTA2WFFTZ3FCaXl4clFKN1RSaEduY3dHN1ZOcTR2V0c2SEwzWi1zRlFNaWZ0Tkd6cEtUTzlQbE9TaUwwbU1reGgyN28wTU9VcTZ4dzd0M3dVb21WTHRwQmlRX2RMTi12OTV1QXJ2RkgtbGdSN3LSAa8BQVVfeXFMTmFVaUhJR01XeGZBU3VmMHgtbUZudUZrNEMzRkNnTGFQeVlnZnRpUHFJa0w3MDNDZ0pTYS1hTWtkakRGZ3ozZ3JhcTNnVTR1VUlhZGtWRHhmbmhmZGQ1MUU1R2ZkOHpQeHR0c00wdm1PeldWcXhNXzFLM3BFeXV5WGwzYW9qZnQ1SHNmR21yUXhMSDU2UjF5bFp4LUxfS0RacTh1Zk5abmppTDZDeDRwWQ?oc=5) · KSWO 7News
- 2008-01-17 [UPDATE: Young boy dies in late afternoon car accident - KSWO 7News](https://news.google.com/rss/articles/CBMikgFBVV95cUxQNEZpUlB1OHNtV2Y4LWV6Yk1uQnoyZkVPQ1hObVdwaTVIUmwyZkRaUm51d1VYOEx6YWdna3c0WmlnVjR5dmRhN2FCYm1FNHU2eElIRm4xTXFOUHNjUlZwa0pubTlZOTB0M3JWc1NMbC1zbjRhYkRUaGVJSkRkMExLRmFOZDNZSHkybE9kY0w0ZWs5UdIBpAFBVV95cUxOeXpQM21tcFBvQV9hOEc2VFdRM2VMcGo4ZkNCVWJZaE45VGJzRS1RRWM1cDJmcXRRbEJ6TlpzTGl4elRyVUJkMGxhc0ZGOUFIU3pJS3h0V2QwNzRjcnFQZjJBbEp2R1NUa19LdnpvZnJULWx2M280NHFXQjkzMzFWdEVPYnhsaXRBQzlVc0VXajBVdHVESnFtYm40QlFWQXQxS1htVg?oc=5) · KSWO 7News
- 2014-07-28 [Medicine Park police need help upgrading dash cam system - KSWO 7News](https://news.google.com/rss/articles/CBMimAFBVV95cUxORDdLeXd6MlcwYjdkN2V5d0UydUloQ3lQUVlQNnRFV1U4ckdRTVhHQ1d1M0cxZWZ2RjNIT2NFOEJ6Z3BHYVQtVHgzNTVqR0QtTnl0R1JoZm45TVM4c1NKZzNtQ2RGMURqUnIxWWRNOXI1WmJOTnZmRHBabUxGYXN0NDBfd3V1a1FydUxwZ241OEVaZDdGQ3dOOdIBqwFBVV95cUxOUW1xOEUycWJRUldaRXhoREo5TDlWYnFwWE5vcWdrZWxWcTA4YUpsWDJKSU1qTFhfenpzdzU4Q0ZvZkQ2RlZwS2VsZ0VZd0VzVDlMUUhKbG52dUNveGZxOXVrQ1hrcGpwWWRyS0tuSXhHRnI5SHpGY0lZLU5sa2RTM2NLSFl2VVNxeUU4YmlLU1pDckFENGRzZTBfTHZteFZZVUFoSldQa3RnVEU?oc=5) · KSWO 7News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=4198 (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/38.json (key "4198", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide