# ANCHOR D BANK
TEXHOMA, OK · FDIC certificate 4208 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. 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 | $404.5M | |
| Deposits | $330.1M | |
| Loans and leases | $234.3M | |
| Total equity | $40.9M | |
| Loans / deposits | 70.01% (p25 of band) | 82.04% |
| Liquid assets / assets | 36.18% (p77 of band) | |
| Uninsured deposits / deposits | 33.29% (p75 of band) | 25.97% |
| Brokered deposits | 0.03% | |
| Wholesale funding | 7.53% (p68 of band) | |
| FHLB advances / assets | 7.50% | |
| Tier 1 leverage | 10.53% (p46 of band) | 10.81% |
| Unrealized securities loss / equity | -0.62% (p89 of band) | -8.10% |
| AOCI / equity | -0.22% (p58 of band) | |
| ROA (annualized) | 1.80% (p80 of band) | 1.28% |
| Net interest margin | 3.62% (p34 of band) | 3.91% |
| Efficiency ratio | 56.40% (p34 of band) | |
| Noncurrent loans | 0.00% (p4 of band) | 0.43% |
| Net charge-offs (annualized) | -0.01% (p9 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 43% | |
| Construction % of loans | 4.40% (p9 of band) | |
| Auto loans | $3.6M (1.56% of loans; DQ 0.05%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 3.2% | |
| Employees | 58 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 2 | wholesale funding >15% |  |
| 2012-09 | 0 |  | capital falling, wholesale funding >15% |
| 2012-12 | 1 | wholesale funding >15% |  |
| 2013-03 | 0 |  | wholesale funding >15% |
| 2013-06 | 2 | brokered >10%, wholesale funding >15% |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 3 | capital falling |  |
| 2014-03 | 2 |  | capital falling |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 3 | assets shrinking |  |
| 2015-09 | 4 | deposits shrinking |  |
| 2015-12 | 3 |  | assets shrinking |
| 2016-03 | 7 | capital falling, losing money, noncurrent p90, reserve under noncurrent |  |
| 2016-06 | 5 | loans exceed deposits, charge-offs p90 | brokered >10%, capital falling, noncurrent p90, reserve under noncurrent |
| 2016-09 | 5 | brokered >10%, uninsured deposits leaving | losing money, loans exceed deposits |
| 2016-12 | 5 | assets shrinking | brokered >10% |
| 2017-03 | 4 |  | charge-offs p90 |
| 2017-06 | 1 |  | wholesale funding >15%, deposits shrinking, uninsured deposits leaving |
| 2017-09 | 2 | deposits shrinking |  |
| 2017-12 | 1 |  | deposits shrinking |
| 2018-03 | 1 |  |  |
| 2018-06 | 0 |  | assets shrinking |
| 2018-09 | 1 | capital falling |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 3 | brokered >10%, wholesale funding >15% |  |
| 2019-09 | 3 |  |  |
| 2019-12 | 2 |  | capital falling |
| 2020-03 | 1 |  | brokered >10% |
| 2020-06 | 3 | charge-offs p90, uninsured deposits leaving |  |
| 2020-09 | 2 | deposits shrinking | charge-offs p90, uninsured deposits leaving |
| 2020-12 | 0 |  | wholesale funding >15%, deposits shrinking |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 2 | AOCI drag >20% of equity |  |
| 2022-09 | 3 | securities losses >30% of equity |  |
| 2022-12 | 2 |  | securities losses >30% of equity |
| 2023-03 | 0 |  | capital falling, AOCI drag >20% of equity |
| 2023-06 | 0 |  |  |
| 2023-09 | 1 | wholesale funding >15% |  |
| 2023-12 | 1 | capital falling | wholesale funding >15% |
| 2024-03 | 0 |  | capital falling |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2025-01-10 [OPSU celebrates legacies of two ag ambassadors - High Plains Journal](https://news.google.com/rss/articles/CBMif0FVX3lxTE1HaDZFQlc2VTZMQzZYTUVUeWdxcll5SWRrbThqUktJMjlZNzhzV0kxeVhEajI0cUJxbUVLaTlDYWlLYWJIQUdpSWlpd0duWUpXUkIyRGl3NWcxTEJXU2YzTVd2RmdnVUhFRldWbjdJcTczQ0JFekNyel9JUDd5UjQ?oc=5) · High Plains Journal
- 2018-05-01 [Oklahoma Panhandle Partners Sponsor “Tough Enough To Wear Pink” - KSCB Radio News](https://news.google.com/rss/articles/CBMikAFBVV95cUxNUXhKQk52MXFELUU3WXJqOGlOc0FDS0Nncl84SkdkNVdEOFY0ajk0WXJxdHhuT0M0ZC1BNmp3eWV3WW1YN0g5MXQzSE9xN1A4Qk9lMVdwTEllYWI5dmRWU3N3c1k1WDEtVUVWWjNVTmNyOVY2WHJnQWVEaU5VUlktOFRTaEMxMUpmUUFSZHhwa1E?oc=5) · KSCB Radio News
- 2025-02-18 [Treyton Mussman Obituary (1997 - 2025) - Guymon, OK - Guymon Daily Herald - legacy.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxNLVA3OHlrazd2OXpIeHJGemRGLVFrZVdHcHI2Mm9kSXVpRFF2XzJiMHdtV0tQSnhleThzT3AzOG5lOXFEQ1hOcFU0WWdrbUhPVmIyOXNRT3JhN1c4Ukd1M3EzOFdHYzltU0g5OFp5dmYzZ2RvY19RaHNIcFN4MlRGZE5pbkItR2lvd2NZWWxsNVVTVFVIVHlWT1JnLUw?oc=5) · legacy.com
- 2020-12-01 [Courtney Cook Obituary (1984 - 2020) - Goodwell, OK - Guymon Daily Herald - legacy.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxPMUVPcEZZVGFuUEdwV0c1MDBIVUp2MG8tdGRsQzdrRmJZaTJMdldOeFNneFRLS0tHeGxsRHhYX0hXdUVmZTRJZ094RGwzbXJ5SUFUNDVWQk9nLXlzamZKdTBkYkxrNTlMMmV3THhNdExtcGdTX2tua0V0cHh3czlyOTQzdW5PMmFleDhKbTRocWFrenE4bE94RA?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=4208 (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/48.json (key "4208", 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