# COMMUNITY BANK OF OKLAHOMA
VERDEN, OK · FDIC certificate 4217 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 4 (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 | $67.3M | |
| Deposits | $59.4M | |
| Loans and leases | $37.3M | |
| Total equity | $7.3M | |
| Loans / deposits | 62.09% (p33 of band) | 73.59% |
| Liquid assets / assets | 40.08% (p63 of band) | |
| Uninsured deposits / deposits | 19.89% (p50 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.10% (p54 of band) | 11.76% |
| Unrealized securities loss / equity | -14.40% (p32 of band) | -6.57% |
| AOCI / equity | -0.69% (p36 of band) | |
| ROA (annualized) | 0.67% (p24 of band) | 1.17% |
| Net interest margin | 4.70% (p83 of band) | 3.93% |
| Efficiency ratio | 83.87% (p84 of band) | |
| Noncurrent loans | 1.83% (p83 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 60.26% | |
| Real estate % of loans | 46% | |
| Construction % of loans | 30.39% (p64 of band) | |
| Auto loans | $2.6M (6.88% of loans; DQ 3.28%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -5.3% | |
| Employees | 17 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | reserve under noncurrent |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | deposits shrinking |  |
| 2012-06 | 1 |  | deposits shrinking |
| 2012-09 | 0 |  | reserve under noncurrent |
| 2012-12 | 2 | reserve under noncurrent, uninsured deposits leaving |  |
| 2013-03 | 2 |  |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 4 | noncurrent p90, deposits shrinking, assets shrinking | uninsured deposits leaving |
| 2013-12 | 1 |  | noncurrent p90, deposits shrinking, assets shrinking |
| 2014-03 | 2 | noncurrent p90 |  |
| 2014-06 | 2 | charge-offs p90 | noncurrent p90 |
| 2014-09 | 2 | capital falling | charge-offs p90 |
| 2014-12 | 1 |  | capital falling |
| 2015-03 | 1 |  |  |
| 2015-06 | 3 | noncurrent p90, uninsured deposits leaving |  |
| 2015-09 | 1 |  | noncurrent p90, uninsured deposits leaving |
| 2015-12 | 1 |  |  |
| 2016-03 | 3 | capital falling, noncurrent p90 |  |
| 2016-06 | 1 |  | capital falling, noncurrent p90 |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 | capital falling | reserve under noncurrent |
| 2017-09 | 1 | reserve under noncurrent | capital falling |
| 2017-12 | 1 |  |  |
| 2018-03 | 4 | capital falling, deposits shrinking, uninsured deposits leaving |  |
| 2018-06 | 3 |  | capital falling |
| 2018-09 | 0 |  | reserve under noncurrent, deposits shrinking, uninsured deposits leaving |
| 2018-12 | 2 | capital falling, deposits shrinking |  |
| 2019-03 | 0 |  | capital falling, deposits shrinking |
| 2019-06 | 1 | reserve under noncurrent |  |
| 2019-09 | 2 | deposits shrinking, assets shrinking | reserve under noncurrent |
| 2019-12 | 2 |  |  |
| 2020-03 | 1 | reserve under noncurrent | deposits shrinking, assets shrinking |
| 2020-06 | 1 | capital falling | reserve under noncurrent |
| 2020-09 | 1 |  |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2021-06 | 3 | uninsured deposits >50% |  |
| 2021-09 | 4 | leverage <7%, capital falling | noncurrent p90 |
| 2021-12 | 2 |  | reserve under noncurrent, capital falling |
| 2022-03 | 2 | NIM <2.5%, reserve under noncurrent | uninsured deposits >50%, leverage <7% |
| 2022-06 | 7 | AOCI drag >20% of equity, securities losses >30% of equity, charge-offs p90, deposits shrinking, assets shrinking, uninsured deposits leaving | reserve under noncurrent |
| 2022-09 | 7 | noncurrent p90, reserve under noncurrent | NIM <2.5%, charge-offs p90 |
| 2022-12 | 6 | charge-offs p90 | noncurrent p90, reserve under noncurrent |
| 2023-03 | 3 |  | AOCI drag >20% of equity, securities losses >30% of equity, charge-offs p90 |
| 2023-06 | 3 |  |  |
| 2023-09 | 4 | securities losses >30% of equity, charge-offs p90 | uninsured deposits leaving |
| 2023-12 | 2 |  | securities losses >30% of equity, charge-offs p90 |
| 2024-03 | 3 | reserve under noncurrent |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 4 | uninsured deposits leaving |  |
| 2024-12 | 4 |  |  |
| 2025-03 | 2 | noncurrent p90 | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2025-06 | 6 | capital falling, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2025-09 | 5 |  | capital falling |
| 2025-12 | 4 |  | assets shrinking |
| 2026-03 | 5 | assets shrinking |  |
| 2026-06 | 4 | capital falling | noncurrent p90, assets shrinking |

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

- 2019-05-07 [Man arrested for Chickasha bank robbery - kswo.com](https://news.google.com/rss/articles/CBMid0FVX3lxTE5tdVpkVnNCZ01DbWlHZlJfNU5XVC1mR2RsaDFzcmxCX2s3WlV6Tl9UX2Rtek56YlpKVGs1NVptS1NUeUdBMTEteTF5d2IzemExX3g5Ynl4cGpwVk9rMzJWLUZGM2pudkkzWmdQZUZRYzk3OENlVkxZ0gGLAUFVX3lxTE13ZWF2OTNHZHJIWVJBMUJvODg1alZOZ09OREZCZ3Q5cDQxZjAxZG1XWkF0bm5WcEhCZm1uTFcyRTNYWEc1ZkU0WTBvRVJaY2ZRbExWWkpkMkxGYU53S1BvVjdlTVFHa0ZaT3FVUjJaWXM0d21yM0laVzBMc0xlX1lEYm1JQjIzV1BhVWs?oc=5) · kswo.com
- 2026-06-25 [It’s all happening on Saturday - The Newcastle Pacer](https://news.google.com/rss/articles/CBMif0FVX3lxTE54YU8xb1g0YW41SFJzTjhLSnh0TWozWnFad1ZEUE05cHpfVlNrRlJfWW1qNGxfcmxTMHlWNGZGY0RMWldmNTktNXlPNXo0ZnVKMUwteGhobHo4d0RnTEZqME0zMkhZckFDYVRCRWQ0enBxblNSUjdHVDNnZ2lJZGs?oc=5) · The Newcastle Pacer
- 2007-04-21 [Tribute Wall | Vetral 'Vee' Silcott - Berna Funeral Homes](https://news.google.com/rss/articles/CBMid0FVX3lxTFB5aEpZVHU4MXpuZTUyMXRPS2ZBTTloRjNxenNGdmJmRGxkVjZtc0pxUGQ4VGs4ZlRWcVBOVlIzR2diOVdLWndWQWFWMFg2djBYRTBXcFRYbGpmamtaUHhEYkxrT0R1MFpCU3NYXzNKRXA3QzNnYktj?oc=5) · Berna Funeral Homes
- 2026-06-11 [Fishing Derby is Saturday - The Newcastle Pacer](https://news.google.com/rss/articles/CBMieEFVX3lxTE5pRU51UTRMSlE0OXFnbjhCWEh5aUNpS0ZwdGxOWUxCYzFZWDMxcklta2p5ZXJzcDRXUkpnZks0enVOTzVtZi1FZS1TWnVETmZyTTk5NGR5VTRuYXVTNGlGZkoxZHB3b3pGS19OS2lnWHN5enIyeUdVdw?oc=5) · The Newcastle Pacer
- 2006-12-16 [Fred Zahn Obituary (2006) - Oklahoma City, OK - Oklahoman - Legacy obituary](https://news.google.com/rss/articles/CBMiigFBVV95cUxPRnd1NFU0M21pUVJyV3AtZGZmclVackxnV1ppSnV2WnNaUlV3ZjFoNXVzeGxSYWdDbmFJdzd4amRGWENLSTdqVnFQMHFPSUlnd0hRWkZ1UXpZNFE2X3gwWVpOVFpNOFh1YndKSm5HSTdUTllpT1gxUFN4cXB5UUkzUTVWRVdQbjIxb2c?oc=5) · Legacy obituary
- 2026-03-26 [John Allen concert set for The Barn - The Newcastle Pacer](https://news.google.com/rss/articles/CBMihgFBVV95cUxQbUJWYVlHYlZPZURmTWJucE91NGpjdHMtWnRIOXlYZUxlZVVfeWNQbXdNOTRnYlVjeHAySmllYUZZX2sxaUx1T2ZJS1lQd0Y5bzJDZ1JmVWUxWFVhdXFPUUJCZkxacEpkQkpBQmN4bkZiWDUtc1ZiYzRiUldYTDloN0E5WjNfZw?oc=5) · The Newcastle Pacer
- 2024-06-27 [Red White & Blue Fest - The Newcastle Pacer](https://news.google.com/rss/articles/CBMicEFVX3lxTE5IUVZKSWtRNDdVMU1Eb25OM0JXSXk0TXVQRzRjS1RTV0dycFJ6cTE5b3g1dEtycGktaDJUNW1xUTdyd19TelBBZDc1enVZTjluZ0hmbXZXQjlsS2tDNTVKTk5VUGthR09GVXo0U2kzcTQ?oc=5) · The Newcastle Pacer
- 2024-09-05 [McClain County Court Records - The Newcastle Pacer](https://news.google.com/rss/articles/CBMifEFVX3lxTE9UNU5jRTJqdXk1Mlhobms5TEgxTWNybE5jTVIzRTY4Nm5WcUgwd0NibDlMQ2syWGExd3J2eVJwSG5fLWpDd1VCZ1JYOFRrbWpEc2p1SmhUY2JiQ3pELURvZ0RadVlPbTJGZ2FUWlZxbGFzVGZ5TG1XOGdxMzc?oc=5) · The Newcastle Pacer

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=4217 (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/57.json (key "4217", 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