# PRIME BANK
EDMOND, OK · FDIC certificate 58804 · asset band $300M-1B · latest filing 2020-06 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 1 (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 | $309.2M | |
| Deposits | $267.8M | |
| Loans and leases | $265.3M | |
| Total equity | $37.5M | |
| Loans / deposits | 98.05% (p85 of band) | 82.55% |
| Liquid assets / assets | 13.00% (p9 of band) | |
| Uninsured deposits / deposits | 30.49% (p74 of band) | 23.22% |
| Brokered deposits | 3.14% | |
| Wholesale funding | 4.11% (p47 of band) | |
| FHLB advances / assets | 0.97% | |
| Tier 1 leverage | 12.35% (p83 of band) | 10.04% |
| Unrealized securities loss / equity | 0.00% (p8 of band) | 2.80% |
| AOCI / equity | 0.00% (p7 of band) | |
| ROA (annualized) | 2.11% (p94 of band) | 1.04% |
| Net interest margin | 3.87% (p70 of band) | 3.59% |
| Efficiency ratio | 42.62% (p5 of band) | |
| Noncurrent loans | 0.13% (p20 of band) | 0.55% |
| Net charge-offs (annualized) | 0.02% (p55 of band) | |
| Reserve coverage of noncurrent | 773.41% | |
| Real estate % of loans | 79% | |
| Construction % of loans | 143.96% (p98 of band) | |
| Auto loans | $389,000 (0.15% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 17.6% | |
| Employees | 25 | |

## Flags firing in the latest filing

- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | loans exceed deposits, brokered >10%, liquid assets <10%, construction >100% equity |  |
| 2011-06 | 4 | wholesale funding >15% | brokered >10% |
| 2011-09 | 4 | brokered >10% | wholesale funding >15% |
| 2011-12 | 3 |  | brokered >10% |
| 2012-03 | 4 | capital falling |  |
| 2012-06 | 3 |  | loans exceed deposits |
| 2012-09 | 3 | loans exceed deposits | capital falling |
| 2012-12 | 3 |  |  |
| 2013-03 | 2 |  | loans exceed deposits |
| 2013-06 | 2 |  |  |
| 2013-09 | 2 | capital falling | liquid assets <10% |
| 2013-12 | 1 |  | capital falling |
| 2014-03 | 2 | liquid assets <10% |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 3 | loans exceed deposits |  |
| 2014-12 | 2 |  | loans exceed deposits |
| 2015-03 | 3 | loans exceed deposits |  |
| 2015-06 | 3 |  |  |
| 2015-09 | 3 |  |  |
| 2015-12 | 3 |  |  |
| 2016-03 | 3 |  |  |
| 2016-06 | 4 | capital falling |  |
| 2016-09 | 4 | wholesale funding >15% | capital falling |
| 2016-12 | 3 |  | wholesale funding >15% |
| 2017-03 | 3 |  |  |
| 2017-06 | 4 | wholesale funding >15% |  |
| 2017-09 | 4 |  |  |
| 2017-12 | 3 |  | wholesale funding >15% |
| 2018-03 | 6 | wholesale funding >15%, deposits shrinking, uninsured deposits leaving |  |
| 2018-06 | 6 |  |  |
| 2018-09 | 7 | capital falling |  |
| 2018-12 | 5 |  | deposits shrinking, capital falling |
| 2019-03 | 3 |  | wholesale funding >15%, uninsured deposits leaving |
| 2019-06 | 3 |  |  |
| 2019-09 | 3 |  |  |
| 2019-12 | 2 |  | liquid assets <10% |
| 2020-03 | 2 |  |  |
| 2020-06 | 1 |  | loans exceed deposits |

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

- 2020-04-30 [Tinker Federal Credit Union to acquire Prime Bank of Edmond, OK - KOKH](https://news.google.com/rss/articles/CBMilAFBVV95cUxNRVdncE5HOWNaT05jLU1iOWlSRmVfNHZiWlBUcmZNOVB0Ykdsamx1WV9WSmZqRWMwZndOWjA5SGF5b0dTUmxyeXRBUk1uWldFV2UtNHZMbUNVU3JJd2pjcW9fVzVObmg4TzVOZ1A1cFQxNHFhV1lQbW9vSjFEMmphc0RMeHRIYzA0VkgwRk1hdDZxcXZD?oc=5) · KOKH
- 2021-07-19 [Prime Bank now open in Edmond - Edmond Life & Leisure](https://news.google.com/rss/articles/CBMigAFBVV95cUxPdTNQUUxEYV9zQm15VW1UVncxemQ5QktiWDFpa1ZoNnFiYmtRdUFDOHFIUEE4M1g2dUMwd0szb2pVYzhHRk5sTjJLMmcxY2lFVzU2enYyWDNZQnhXQkZCZm43Vk1XcDc3bzZDakpwQ2JkamdUeG9JaF9kMC01N3VhcA?oc=5) · Edmond Life &amp; Leisure
- 2020-04-30 [TFCU to acquire Prime Bank in Edmond - KFOR.com](https://news.google.com/rss/articles/CBMic0FVX3lxTE9TS1ZueHlDUG45d3ZSbnFLbFdyTDlwMW5xWXhvYVdiS3NlVXF5ckhlblBVTGdlMldYMzNjSWJOdTUyd1VKMi1WZkRtQnZMMzlRVThCZ3daR0UzV0pCZk4yZFZEc1RYNnpPbWsyamZUVWFYZEHSAXhBVV95cUxNZ0ZDNnZuUTJfUlBVdGxVRWVKSkFSQUFTb25pblFxQk5JYmN6akJyQ3lUcWg5c2pzc2lmdkVCZG51cEFKWDdxeUhYUmNWcVExZ0t6NlN4Z0tvX05XMXBJRGQ2VjAzVFE4ZlQ0RkdTUlh6c0J6TGUwTUI?oc=5) · KFOR.com
- 2020-05-13 [Pandemic halts Suncoast Credit Union’s acquisition of Apollo Bank - Banking Dive](https://news.google.com/rss/articles/CBMinwFBVV95cUxOT18xdjMtOW1oZERwWElqV2p5RXZCdVpVTF8ycjhSSlI3cy1SU3Rwa3FXSVozVUpSOXVEVFJ2VjhIb1g3bFhSUTRvYTR1MVN1QmxfV2kzRkwyRFY4Q28wMFdOTGMyal95cTdjSzdmREwxZXpGSzVuNzFhMS1aenZmR3hOWlc4LUF2SVFhOTJOQV9Zdlozb3l3Umc0NDk0SjA?oc=5) · Banking Dive
- 2020-05-03 [TFCU to acquire Prime Bank of Edmond - The Oklahoman](https://news.google.com/rss/articles/CBMirgFBVV95cUxQRWxnV0hvRHk0OFVCeFFhSDFNdnlnRnFkbnRQRTdyN3lsWkNNZEhBTmllOHVEYU5LeEExMFV2T3VsVHZPZnZXbFdNSlBySTR2bUxYZHNCbVhZVk9xNWVuem8xNnJ4aTZ6anlYenRJMDdidDl3aDE3Q2h4amExdHNQZXZtUElUMFlnNWtqR3NhTEs4VHgxbFVBWDhTbUhYQm9zTm5SRDN6alc4U2tFYnc?oc=5) · The Oklahoman
- 2025-10-02 [Rajeev Pant: Prime Bank CEO on why the lender bets on small firms - Business Daily](https://news.google.com/rss/articles/CBMiuwFBVV95cUxOOUtrYUNQZDIyMUVWdWQtSzMzSzNxM294Rzg4bDZwc1lWZlpZSmVmMlVjYzFjNzA4dEJxb1RZQ243LTAxLTV2YW5KLVZINXZBaFFSVlJWeFU3UGkwQmluTDNGcGt4NV9XbWlpUkg3RHNOWTlqTWdiN01Xekp1RFB4dmF1WUlMaDNTb2dVTEdkM0dtZmx0cWYtWHM0bjVnay15M3pZd0FmLWc3QzBoSGJva3FEQ01HdVBuM1lR?oc=5) · Business Daily
- 2025-12-15 [One app for all payments - The Daily Star](https://news.google.com/rss/articles/CBMihAFBVV95cUxQVGRqa2xybk5XQ0xlVlU5enJQUkFydVZNT0tlS1J4UXFGNE91VGk3S0UzcHlFQzBqLV90ZC1mck96UzFOU0dFYjFkZDJ4aFJlamZULVI4dFVvTDBFRVV3VTlhT05ndG85LVBoRkZRMjgwMVlUUXpIaGN0d3BOb043bnBFcGQ?oc=5) · The Daily Star
- 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

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58804 (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/52.json (key "58804", 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