# OAKWORTH CAPITAL BANK
BIRMINGHAM, AL · FDIC certificate 58783 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. 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 | $2.13B | |
| Deposits | $1.77B | |
| Loans and leases | $1.73B | |
| Total equity | $193.6M | |
| Loans / deposits | 96.48% (p78 of band) | 87.10% |
| Liquid assets / assets | 16.80% (p31 of band) | |
| Uninsured deposits / deposits | 56.81% (p95 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 7.04% (p54 of band) | |
| FHLB advances / assets | 7.04% | |
| Tier 1 leverage | 9.60% (p25 of band) | 10.50% |
| Unrealized securities loss / equity | -4.19% (p67 of band) | -7.75% |
| AOCI / equity | -0.40% (p42 of band) | |
| ROA (annualized) | 1.17% (p43 of band) | 1.26% |
| Net interest margin | 3.73% (p52 of band) | 3.70% |
| Efficiency ratio | 58.60% (p49 of band) | |
| Noncurrent loans | 0.68% (p61 of band) | 0.51% |
| Net charge-offs (annualized) | 0.17% (p84 of band) | |
| Reserve coverage of noncurrent | 177.73% | |
| Real estate % of loans | 54% | |
| Construction % of loans | 52.12% (p55 of band) | |
| Auto loans | $227,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $7.1M (4% of equity) (p82 of band) | |
| Deposits YoY | 12.0% | |
| Employees | 170 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **run vulnerability** (`liq_runrisk`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 0 |  | capital falling |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | capital falling |  |
| 2013-03 | 0 |  | capital falling |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | deposits shrinking |  |
| 2014-03 | 0 |  | deposits shrinking |
| 2014-06 | 2 | loans exceed deposits, capital falling |  |
| 2014-09 | 2 | uninsured deposits >50% | loans exceed deposits |
| 2014-12 | 1 |  | uninsured deposits >50% |
| 2015-03 | 3 | uninsured deposits >50%, run vulnerability |  |
| 2015-06 | 3 | loans exceed deposits | capital falling |
| 2015-09 | 1 |  | run vulnerability, loans exceed deposits |
| 2015-12 | 2 | capital falling |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 2 | run vulnerability | capital falling |
| 2016-09 | 1 |  | run vulnerability |
| 2016-12 | 2 | capital falling |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 3 | run vulnerability |  |
| 2017-09 | 2 |  | capital falling |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 3 | capital falling |  |
| 2018-12 | 2 |  | run vulnerability |
| 2019-03 | 3 | run vulnerability |  |
| 2019-06 | 2 |  | capital falling |
| 2019-09 | 2 |  |  |
| 2019-12 | 1 |  | run vulnerability |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | run vulnerability |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 1 |  | run vulnerability |
| 2021-03 | 2 | capital falling |  |
| 2021-06 | 1 |  | capital falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | capital falling |  |
| 2022-06 | 1 |  | capital falling |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 2 | run vulnerability |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 3 | capital falling |  |
| 2023-12 | 4 | charge-offs p90 |  |
| 2024-03 | 2 |  | capital falling, charge-offs p90 |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 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)

- 2026-07-16 [Oakworth Capital Bank names new member of board of directors - The Business Journals](https://news.google.com/rss/articles/CBMiowFBVV95cUxOME9VU01RNEprWWs5eFVOMW1WV0U2NG1kQ1pXWUxXZnAxTm1ZVGEwa25Tcm1YTDl5eF9EMkU5Y0pLMU5kaV9LdFJLY2FwRnVOTUE3RGgxb3BLQjRzZ05NazhhaFhLMHhzWmt0M293d0ZHS3Q5WFFJT1ZXRHJRcEdISG9VM2U5T25nR2FDSnkyUkdOSXZ1Rnpwdk16MXZGRS1nVjVz?oc=5) · The Business Journals
- 2025-11-13 [Oakworth Capital Bank Again Ranked #2 "Best Bank to Work For" in the U.S. by American Banker - PR Newswire](https://news.google.com/rss/articles/CBMi2wFBVV95cUxNRENTdHU5RU9RU0JWc1d1MVBRTzc3dlRoTGd0UWZYYWZKbzhFdkxGVjNDbHlFM2FWS3lTS3VYUldnbDcyU2ZZOWh3S1RMR3psVnhObVAzdFNabDVGQ1p5MWx2Rms1a3A1QXJodzIyUWZDNmV0VVFOVFVSN3JERld2MExZM1dCemw0OGxKaTdKQjBLRjdTLUQ4emUwZDdqUzh2d21DRHFjRURpWWtxMmROQnlVM1dYSFp3U1hidlU0VVEyMThvNUh6WmN6eWFtVkZsNS0wM3VJYjVQQjA?oc=5) · PR Newswire
- 2024-11-19 [Oakworth Capital Bank remains a top-ranked “Best Bank to Work For” in the U.S. - Business Alabama Magazine](https://news.google.com/rss/articles/CBMipwFBVV95cUxPVkUtbG51VFEwRERYZ0gyZFZNOWEtU09aSkRZU0c2TkJYWW1YX2RweXBfQjBJRnFnaFJVVG1xSnZfTDBVSXkzLXB6eENhdFNhaGdCOHdYNzl5N09ZOXRYV0ZwTHY1eHlaTDh1YkxvVTZjcHhFSjV6X0NvaGlFZE5yVktlWThobU9idldyZEJEU2hxZm5zY094TEdpdzFXOXlJT20tcU9KMA?oc=5) · Business Alabama Magazine
- 2025-09-24 [3 ways this local business has built nationally-ranked trust - Bham Now](https://news.google.com/rss/articles/CBMilwFBVV95cUxPV09peVQ1ZFlkRHJyMGtTOG5LaEo3YWk1Z2VkNHhkaGFuY3JLclZUNlh3bnR6N3A1WXV2Vk96Wno5aEVJMXhNSkJ6ampCRUZSazlGT1lOcG1fdFNLVVpnYlpQaDRkeUhkNTVxZHpFd2d3WmJDSkMybTNISGktU3E4X20wcjhBdlN1WkpGOVhrRnctaUdZUGxv?oc=5) · Bham Now
- 2022-11-10 [Birmingham’s Oakworth Capital expanding into new markets at ‘inflection point’ - AL.com](https://news.google.com/rss/articles/CBMitwFBVV95cUxPWUM1VEJCUXNuWEtwM2xBTGFtRWM1OGxOay1xV1Axd1pDQnIxRGtpNUVHWXZER3RFU2h3QkVTVDZuNXRsOE1RVnJhM2NKZEQ3VjctTUhSNEh5c0hPYWxRRzJRMnlDNkRSem5CQzN6NkcxeHNpbkZWSnpNUms2MkkyZVJqZXNpNklieGxKQWNBUVotbUh1UTZLNWkwWUM5ZzlfbGtlcm9ZRjZwZFFrNUFueHd1RDBUUW8?oc=5) · AL.com
- 2023-05-24 [Oakworth Capital seeks to become an iconic brand - Business Alabama Magazine](https://news.google.com/rss/articles/CBMigwFBVV95cUxPVDFaMk5zMUpFWGtoRk4zRkxKQUQ4RThEc1JDb1hERVlNd1N4Vm1hVEhaREtMSlRaMHBLY3B0QzFDajZCOTJGNlk0cGc4ZFl2SndLOS11NlhLLURjeGFtZEJFR2c3bEVKZGdTb3Z5SEZSODlRUUYyd0pndjR5Q2w5ek9BVQ?oc=5) · Business Alabama Magazine
- 2022-09-08 [Alabama-based bank to expand into Charlotte market next year - The Business Journals](https://news.google.com/rss/articles/CBMiogFBVV95cUxPcms5cnFSUjlraUU5eUFtVlhLMU1tOFVfeWE3cFVLeDBsTkhER0IzRnRleTVuQ0F2SkRObV8zLW1TVkFkbkltZGg5RktNNThJWThlejJtNl94Qm41bDlIaEEzMzZ5eDBVVHBkUjU4bHhvRGdseUxyekJyX2oyYVVXSmdod3ljQ2IydDhnbDRlRlNxaEVxb0dLRlpXUnh4bHFzb1E?oc=5) · The Business Journals
- 2018-04-09 [Oakworth Capital Bank Opens New HQ - Patch](https://news.google.com/rss/articles/CBMigAFBVV95cUxPLUlTcEprUW1BTGthd3JuWXdNeEtOdlhTMFJmY3F2Ui0xLTdOcWpnV2tDclpkM1lUQzJsRG16OHZBbWJUUjZrYnVNUi1TUjhmcnY5QV9SM29ZWU1XSlFJajhGUF9KYmtjczBiNm1xeEpJdTRYaXA2bmZscVN0MHVLdQ?oc=5) · Patch

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58783 (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/31.json (key "58783", 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