# COMMUNITY BANK
BRISTOW, OK · FDIC certificate 8975 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. 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 | $119.1M | |
| Deposits | $106.9M | |
| Loans and leases | $97.5M | |
| Total equity | $11.8M | |
| Loans / deposits | 90.09% (p80 of band) | 73.59% |
| Liquid assets / assets | 17.12% (p16 of band) | |
| Uninsured deposits / deposits | 19.79% (p50 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.09% (p26 of band) | 11.76% |
| Unrealized securities loss / equity | -0.93% (p78 of band) | -6.57% |
| AOCI / equity | -0.21% (p59 of band) | |
| ROA (annualized) | 2.13% (p88 of band) | 1.17% |
| Net interest margin | 6.04% (p98 of band) | 3.93% |
| Efficiency ratio | 55.13% (p23 of band) | |
| Noncurrent loans | 0.86% (p67 of band) | 0.36% |
| Net charge-offs (annualized) | 0.03% (p76 of band) | |
| Reserve coverage of noncurrent | 134.32% | |
| Real estate % of loans | 83% | |
| Construction % of loans | 169.87% (p99 of band) | |
| Auto loans | $2.4M (2.41% of loans; DQ 0.00%, NCO 0.02%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 10.4% | |
| Employees | 29 | |

## Flags firing in the latest filing

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

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | leverage <7% |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 0 |  | leverage <7% |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | uninsured deposits leaving |  |
| 2014-06 | 0 |  | uninsured deposits leaving |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 1 | construction >100% equity |  |
| 2023-03 | 2 | charge-offs p90 |  |
| 2023-06 | 3 | deposits shrinking, assets shrinking | charge-offs p90 |
| 2023-09 | 2 |  | assets shrinking |
| 2023-12 | 2 |  |  |
| 2024-03 | 1 |  | deposits shrinking |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

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

- 2026-09-08 [Chime to Buy an Oklahoma Community Bank for $590 Million - Barron's](https://news.google.com/rss/articles/CBMicEFVX3lxTE1BcDZxVVFBODZaLUM5bl81bDBpMnhhbjZqQ0VXYUhNS3Rvay1wV2lGUkVwT1BfSy1kSG13NGxwTG1BN3NrczNaT2dhMDVpcUk5NWhyenY1SDJGYVNwQ0NWc2UyUUQ2Z1F6eTNvd3Fkb0M?oc=5) · Barron's
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2026-06-10 [BancFirst Corporation Announces Acquisition of SpiritBank - PR Newswire](https://news.google.com/rss/articles/CBMiswFBVV95cUxPTGdOSEhyYkJYZF9XMUlseDlyeHBEQ1R5MnFMa3NFR2xHdXFMX3NHQ0lrZlBUcnNVTWJ2TGQ2U2JxdEk0VFQyOEY5RF9wUG4zNzAydlB1Z2VXMU8xNFNMQmpnMFJhZTgzMUhNSHBia0FsWXMwamlHY2lldEZ1ZzEtbjNSVUZQQVUxNmZ5Zl9jODBlR1lCZWw4TUNSdGJlbDhELW11cW1qNHIzbk5oMWtzbzBzNA?oc=5) · PR Newswire
- 2025-10-02 [Governor Anoatubby leads Chickasaw Community Bank, Ada, ribbon cutting - Chickasaw Times](https://news.google.com/rss/articles/CBMivwFBVV95cUxPSE5ZdnVvelNKSV9DclpFMEY4cU9SVTdoVzd5ZTZldXU3dC1wZE5OVVpBTk5WYjJpTWVqWEZRdFJYS1o5Sm52WExRdEpGbGZCOC1Qdjl0NjJHWVhvRzRQUkVETGUwdUtCMnp4UGVFQ2R3bzcwM0xQdExBUURmZ245NG5OeldNSENDcEhmREhnMXIzQ3ZneXVjVWRHNGhWN1puZlI2ekctTy1pT0x1VGRqWlNsZTFobHV1YVBBRGY2RQ?oc=5) · Chickasaw Times
- 2026-01-10 [Arvest promotes Craig Taliaferro to Duncan Community Bank President - Duncan Banner](https://news.google.com/rss/articles/CBMi7AFBVV95cUxNakVFdjBiZnoyX1hlbktkYWFDWU9LaWtzdnVyVGU5MUtraFAyQkx4SHJva3FyZ0tqSnBMMjdqVmZJWWw5empiN3VJMXB3ejR3MGI1M2xCWHJGWUNDZFpPU2dxTXprLWZhZFRSeWlsZXNPdEh3V0VDTnNNWF9Yak1FekNmdjRjWUZWZ1JkeXh1ajdQbmZPZ0szSVlZWVl5Sml5YzUxMDhKTkRaMndOYy10ZXp5b0tBbC0wU1RIcEdXR2hCOWMxam5OWXdsTHUtTVZoT29qa1d4bkIxRVp5RGpSNHU0cDhqQVNrNnF6dQ?oc=5) · Duncan Banner
- 2025-11-27 [Giveaways, food offered for Community Bank of Oklahoma 12 Days of Christmas on Dec. 2 - The Newcastle Pacer](https://news.google.com/rss/articles/CBMixgFBVV95cUxPWFZDNTRLRlBRUGo3cnlHS2lndEM0LU9UMS1RakpHa01HSHJtZHpGVjhLVllsWUJUWGFUbVZ4c0FNMzRXY0xYWmptT2gwVjBvcFYzeEJ1Q1VWQTRUUjRzdVpiS2FUMF9XM3dUeHdFUU14NXl5V1ZvQXQ2Q0IxRUxZZS1BZGwyNVN5eUF6bWZKV19OeDZ0d3p0dzN1cWtJRWdZZlBGVklNZTN4Ymx6WEcwQVlKTmhNQ1F4eXhpbXc5b0d5WHVXQ2c?oc=5) · The Newcastle Pacer
- 2026-04-13 [News | Armstrong Bank acquires former religious facility in Tulsa, Oklahoma, for $4.95 million - costar.com](https://news.google.com/rss/articles/CBMiwwFBVV95cUxOeTRMVDUxUnM2aUVqRFhwT3N5eHpLQ05XR1FQRjZHemJpc2Fhc3pCV25Ea3hPMVowX0piQUlmQzdrOWs4ck1LY3lZeUx0Y2lzbFE3MWJfQzA5a2tncTBwZjl4aDN0QjRMb3c4a3gtd1Bma3gzWnhVQkRieXM0eWNlQ2VobExKeWtNeFVOYVlDejU1d004aGZkakhwakN1Sjhoc3BDU3VPY2dKbnM4ZERKRDFJYmJuQ0JwcS12ZmlpX0VlX2M?oc=5) · costar.com
- 2025-11-17 [BancFirst acquires American Bank of Oklahoma, adding $328M in deposits - stocktitan.net](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNZmNTbEJ6dENwVnR4UThWaUJsMGpuMHNORjRmNFFsZF9PR1V1Yzh1NEE4VUFQMzdIaW51UUtEV1FwZ0xEZE12MXdSMUt0ZXk1UzdQc3ZGRjRtamxkME8tbVBlZmhhelpuSHVGNklXZWJ2bTRkRjF5X0FxYkdnS1YxSTY5LTJPc3UyOVh4T2NQUzRJdUd4TnJtQ2F5QUYtWlR3c1JxbnlZZVhkQQ?oc=5) · stocktitan.net

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8975 (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/15.json (key "8975", 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