The Bank of Beaver City
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Data as of · sourced from FFIEC call reports. How we update
The Bank of Beaver City is an FDIC-insured commercial bank headquartered in Beaver, OK, established in 1902 (FDIC certificate 11862), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $188.6M, up 6.0% from Q2 2025, the 105th largest of 169 banks headquartered in Oklahoma. It reports no CET1 ratio; its Tier 1 leverage ratio was 8.67% at Q2 2026, not above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 11862
- Headquarters
- Beaver, OK
- Established
- 1902
- Total assets, Q2 2026
- $188.6M
- Assets vs Q2 2025
- +6.0%
- Tier 1 leverage ratio, Q2 2026
- 8.67%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 103106775
- Latest call report
- Q2 2026, FFIEC 051 · The Bank of Beaver City Q3 2026 call report, filed October 13, 2026 (preliminary)
- Holding company
- BEAVER BANCORP, INC.
- Asset rank in state
- 105th of 169 in Oklahoma
Problem loans are rising at The Bank of Beaver City. Based in Beaver, Oklahoma, it had $189 million in assets at June 30, 2026, up 6.0% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.34% of loans from 0.05% a year earlier. It funds 8.67% of its assets with Tier 1 capital, lower than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median 10.99%). On the other hand, it returns 19.4% a year on shareholders' equity, higher than about three-quarters of banks its size (median 12.6%).
The commercial and industrial book ($13 million) is worsening: 11.34% of it is past due or on nonaccrual, up from 0.23% a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $4.8 million equal 28% of Tier 1 capital, down from 38% a year earlier. Credit is the area to watch: it carries problem assets equal to 10.1% of the capital and reserves that would absorb them, 3.8 times the median of 2.7% for banks its size.
As of June 30, 2026, The Bank of Beaver City reported a return on assets of 1.23%, a nonperforming-loan ratio of 1.34% and a Texas ratio of 10.12%. The figures come from its call report filed with the FFIEC.
Of the 169 banks headquartered in Oklahoma, The Bank of Beaver City is the 105th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 2.3% to $188.6M, loans rose 2.3% and deposits rose 2.9%. 1-4 family residential loans made up 32.1% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 19.1%. Its 2 offices in the FDIC Summary of Deposits are in Beaver, OK and Liberal, KS; its Beaver office books 58% of its branch deposits. By the capital ratios in its Q2 2026 call report, The Bank of Beaver City is inside the community bank leverage ratio grace band.
Headquarters Profile
- Address
- 130 Douglas Ave, Beaver, OK 73932
- County
- Beaver
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1902
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 32
- Domestic deposits
- $170.4M
- Allowance for credit losses
- $1.5M
- Net charge-offs (YTD)
- $2K
- Average total assets
- $198.3M
- Average total loans
- $103.5M
- Average interest-bearing deposits
- $125.4M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 11862
- Fed RSSD
- 137456
- Website
- www.bankofbeaver.bank →
- Parent Holding Company
- BEAVER BANCORP, INC. (RSSD 1066263)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, The Bank of Beaver City reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, The Bank of Beaver City's total assets ranged from $159.0M (Q3 2023) to $188.6M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$188.6M total assets against $177.9M; $176.2M total liabilities against $167.8M.
$103.2M net loans and leases against $104.9M; $170.4M total deposits against $161.9M.
$50.2M securities against $53.5M; $28.0M cash and balances due against $12.6M.
$2.5M total interest income against $2.4M; $756K total interest expense against $817K.
$1.7M net interest income against $1.5M.
$220K total noninterest income against $231K; $1.3M total noninterest expense against $1.2M.
$30K provision for credit losses against $0.
$609K net income against $589K.
1.23% return on assets against 1.26%; 3.64% net interest margin against 3.50%.
8.67% tier 1 leverage ratio against 8.78%.
Inside the full The Bank of Beaver City terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Bank of Beaver City rankings
Its closest position to the top of a national ranking is 631 of 3,640, for Texas Ratio; its furthest is 3,045 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.53% (Q3 2024) to 1.26% (Q2 2025) and its net interest margin ran from 2.90% (Q3 2024) to 3.75% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 8.67% | 1.23% | 1.34% | 10.12% | 3.64% |
| Q1 2026 | 9.28% | 1.13% | 0.00% | 0.00% | 3.60% |
| Q4 2025 | 9.31% | 1.25% | 0.00% | 0.29% | 3.75% |
| Q3 2025 | 9.12% | 1.17% | 0.00% | 0.61% | 3.63% |
| Q2 2025 | 8.78% | 1.26% | 0.05% | 0.71% | 3.50% |
| Q1 2025 | 8.71% | 1.07% | 0.05% | 0.72% | 3.25% |
| Q4 2024 | 8.58% | 1.05% | 0.41% | 4.87% | 3.14% |
| Q3 2024 | 8.57% | 0.53% | 0.05% | 0.69% | 2.90% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Bank of Beaver City | Beaver , OK | 73932 | $98.3M |
| Liberal Branch Office Branch | Liberal , KS | 67901 | $72.1M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| June 1, 1989 | Structure Change | Acquired The First State Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| May 31, 1989 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in OK, rank 142 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $644K approved, $644K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2008 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The Bank of Beaver City
What are The Bank of Beaver City's total assets?
As of the Q2 2026 filing, The Bank of Beaver City reported total assets of $188.6 million in its FFIEC call report.
Where is The Bank of Beaver City headquartered?
It is headquartered in Beaver, OK, United States.
When was The Bank of Beaver City founded?
It was established in 1902, per the FDIC institution directory.
Is The Bank of Beaver City FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #11862). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Bank of Beaver City?
The Bank of Beaver City's primary federal regulator is the FDIC.
How many branches does The Bank of Beaver City operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Bank of Beaver City's Texas Ratio?
Its Texas Ratio is 10.12% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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