Total Assets
$180M
Total balance-sheet footings
FDIC Cert #11862 · Beaver, Oklahoma · Est. 1902
The Bank of Beaver City - FDIC Bank Health Profile
A community-scale look at The Bank of Beaver City's own numbers, pulled straight from its quarterly FDIC Call Report.
- $180M
- Total assets
- B
- Health grade · Good
- 1.23%
- Return on assets
- 9.3%
- Tier 1 capital
Data updated July 2026
The verdict
The Bank of Beaver City earns a PlainBankData health grade of B (66/100), with 9.31% Tier 1 capital, profitable at 1.23% ROA, 68% efficiency ratio.
- #3,153
- largest of 4,313 FDIC banks by assets
- 27th
- percentile by asset size, nationally
- 9.31%
- Tier 1 ratio - below the 10% well-capitalized line
- 59th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How The Bank of Beaver City's 66/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
The Bank of Beaver City's composite health score
Tier 1 Capital Ratio (9.31%) 18/40
Return on Assets (ROA) (1.23%) 20/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (67.58%) 8/15
66 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$162M
Customer-funded liabilities
Net Loans
$107M
Outstanding loan book
Net Income
$2M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where The Bank of Beaver City ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Bank of Beaver City's score of 66/100 falls in the highlighted band.
The Bank of Beaver City's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). The Bank of Beaver City's $180M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
9.31% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
9.31%
Texas Ratio
0.00%
Equity Capital
$12M
Profitability metrics
Return on Assets (ROA)
59th percentile nationally
1.23%
Return on Equity (ROE)
21.05%
Efficiency Ratio
67.58%
What the numbers say about The Bank of Beaver City
The Bank of Beaver City is an FDIC-insured institution (Certificate #11862) headquartered in Beaver, Oklahoma, established in 1902. It holds $180M in total assets - 3,153rd of 4,313 FDIC-insured banks, $162M in customer deposits, and $107M in net loans. Its capital position: a Tier 1 ratio of 9.31%, missing the 10% federal well-capitalized bar, alongside a Texas Ratio of 0.00% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of B (66 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
The Bank of Beaver City sits 104th of 172 banks headquartered in Oklahoma by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$9M
Interest Income
$853K
Non-Interest Income
$5M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. The Bank of Beaver City reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Oklahoma by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The Bank of Beaver City (FDIC Cert #11862) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Oklahoma
All Oklahoma banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| BOKF, National AssociationTulsa | $52.0B | A | 1.10% |
| MidFirst BankOklahoma City | $41.4B | B | 1.19% |
| First United Bank and Trust CompanyDurant | $16.3B | B | 0.97% |
| BancFirstOklahoma City | $12.1B | A | 1.79% |
| InterBankOklahoma City | $5.5B | B | 3.60% |
| Stride Bank, National AssociationEnid | $4.9B | A | 2.10% |
| RCB BankClaremore | $4.1B | A | 1.32% |
| First Fidelity BankOklahoma City | $2.9B | B | 0.94% |
Frequently asked questions
What is The Bank of Beaver City's health grade?▼
The Bank of Beaver City receives a health grade of B (66/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is The Bank of Beaver City?▼
The Bank of Beaver City holds $180M in total assets and $162M in deposits, ranking 3,153rd of 4,313 FDIC-insured banks by asset size. It is headquartered in Beaver, Oklahoma.
Is my money safe at The Bank of Beaver City?▼
Yes, deposits at The Bank of Beaver City (Certificate #11862) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is The Bank of Beaver City's Tier 1 Capital Ratio?▼
The Bank of Beaver City has a Tier 1 Capital Ratio of 9.31%. Regulators set the "well-capitalized" bar at 10%; this bank still clears the lower 6% "adequately capitalized" minimum.
What is the Texas Ratio for The Bank of Beaver City?▼
The Bank of Beaver City has a Texas Ratio of 0.00%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is The Bank of Beaver City?▼
The Bank of Beaver City has an Efficiency Ratio of 67.58%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read The Bank of Beaver City's profile as a depositor or analyst.
- The Bank of Beaver City's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The Bank of Beaver City against other Oklahoma banks before moving funds. Oklahoma banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.