Bank Safety Analysis
Is Bank of Eufaula Safe? Eufaula, Oklahoma
Based on its Q2 2026 call report, Bank of Eufaula meets the community bank leverage ratio test for well capitalized, its Texas ratio is 4.12%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer: is Bank of Eufaula safe?
On its Q2 2026 call report, Bank of Eufaula's Community Bank Leverage Ratio is 12.10%, above the 9% threshold that makes a community bank well capitalized.
- CET1 ratio (Q2 2026): not reported (community bank leverage ratio filer)
- Community Bank Leverage Ratio (Q2 2026): 12.10%
- Texas ratio (Q2 2026): 4.12%
- Noncurrent loans ratio (Q2 2026): 0.46%
Bank of Eufaula is an FDIC-insured commercial bank (FDIC Certificate #4094). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Source: the FFIEC call report Bank of Eufaula (FDIC Certificate #4094) filed for the quarter ended June 30, 2026. BankRegReports computes every ratio on this page from that filing.
Context: largest US bank failures.
Bank of Eufaula is outside the pass range on 1 of 5 safety dimensions: operating efficiency. Capital and leverage are above their regulatory minimums. The failed band is a BankRegReports band, not a supervisory threshold.
In Q2 2026, return on assets edged up by 0.06 percentage points, from -0.06% to -0.01%, the largest move among the key lines here. Bank of Eufaula ranks 60th of 169 Oklahoma banks on leverage ratio, in the upper half at 12.10% (Q2 2026). Bank of Eufaula reported 12.10% on leverage ratio for Q2 2026, 0.53 points below the 12.62% median for banks in the < $100M asset tier. From Q3 2023 to Q2 2026, Bank of Eufaula's Texas ratio ranged between 4.12% (Q2 2026) and 46.97% (Q4 2023). Between Q2 2025 and Q2 2026, Bank of Eufaula's nonperforming loan ratio (nonaccrual plus 90+ days past due) fell from 2.65% to 0.46%, Texas ratio fell from 12.69% to 4.12% and return on assets fell from 0.04% to -0.01%.
Bank of Eufaula ranks as the 136th largest of the 169 banks based in Oklahoma, by total assets at Q2 2026. 1-4 family residential loans are its largest loan category, $10.8M of $23.2M in total loans on its June 30, 2026 call report. Against the 578 banks with under $100M in assets for Q2 2026, Bank of Eufaula's community bank leverage ratio of 12.10% is below the 12.62% median, nonperforming loans ratio of 0.46% is above the 0.44% median, Texas ratio of 4.12% is above the 2.09% median, and efficiency ratio of 100.38% is above the 69.61% median.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating.
Held-out test AUC 0.910 for the 1-year horizon (v20261026_025757). Trained on credit-driven community-bank failures, it carries little signal for interest-rate or deposit-flight risk. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety.
How does Bank of Eufaula score on capital, credit and costs?
Peer cohort: Under $100M (583 banks) · Industry averages as of Q2 2026.
Median of the 578 banks with under $100M in assets, Q2 2026: 12.62%.
Median of the 578 banks with under $100M in assets, Q2 2026: 12.62%.
Median of the 578 banks with under $100M in assets, Q2 2026: 0.44%.
Median of the 578 banks with under $100M in assets, Q2 2026: 2.09%.
Median of the 578 banks with under $100M in assets, Q2 2026: 69.61%.
Does Bank of Eufaula trip any risk screens?
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Result |
|---|---|---|
| CET1 capital ratio supervisory threshold | — | Not reported |
| Texas ratio BankRegReports band | 4.12% | Within range |
| Non-performing loan ratio BankRegReports band | 0.46% | Within range |
| Uninsured deposit share BankRegReports band | — | Not reported |
| Loan-to-deposit ratio BankRegReports band | 30.19% | Within range |
| Commercial real estate to capital supervisory threshold | 57.38% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Within range |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 4.12% |
| Q1 2026 | 4.61% |
| Q4 2025 | 5.91% |
| Q3 2025 | 8.65% |
| Q2 2025 | 12.69% |
| Q1 2025 | 27.24% |
| Q4 2024 | 31.16% |
| Q3 2024 | 26.04% |
| Q2 2024 | 24.69% |
| Q1 2024 | 28.95% |
| Q4 2023 | 46.97% |
| Q3 2023 | 44.88% |
Loans by type, Q2 2026
- 1-4 family residential loans: $10.8M
- Non-owner-occupied commercial real estate loans: $5.0M
- Owner-occupied commercial real estate loans: $1.5M
- Commercial and industrial loans: $1.4M
- Construction and land development loans: $910K
- Other consumer loans: $836K
- Auto loans: $816K
- Multifamily loans: $445K
How have Bank of Eufaula's safety ratios changed?
| Quarter end | Total assets | Leverage (CBLR) | NPL ratio | Texas ratio | Efficiency |
|---|---|---|---|---|---|
| Jun 30, 2026 | $87.1M | 12.10% | 0.46% | 4.12% | 100.38% |
| Mar 31, 2026 | $85.3M | 12.24% | 0.42% | 4.61% | 102.09% |
| Dec 31, 2025 | $91.9M | 11.89% | 1.11% | 5.91% | 103.27% |
| Sep 30, 2025 | $91.8M | 11.19% | 2.24% | 8.65% | 99.93% |
| Jun 30, 2025 | $95.8M | 10.11% | 2.65% | 12.69% | 97.35% |
| Mar 31, 2025 | $95.9M | 9.81% | 7.14% | 27.24% | 89.56% |
| Dec 31, 2024 | $102.4M | 9.70% | 8.20% | 31.16% | 142.70% |
| Sep 30, 2024 | $97.8M | 9.69% | 7.06% | 26.04% | 111.39% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is Bank of Eufaula FDIC insured?
Yes. Bank of Eufaula is an FDIC-insured commercial bank (FDIC Certificate #4094). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is Bank of Eufaula well capitalized?
On its Q2 2026 call report, Bank of Eufaula's Community Bank Leverage Ratio is 12.10%, above the 9% threshold that makes a community bank well capitalized. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the Federal Reserve, applies.
What are Bank of Eufaula's key safety ratios?
For Q2 2026, Bank of Eufaula reports leverage 12.10%, Texas ratio 4.12%, noncurrent loans 0.46%. Its Texas ratio compares with the 2.09% median for the 578 banks with under $100M in assets.
What happens to my deposits if Bank of Eufaula fails?
For Q2 2026, Bank of Eufaula reported $77.0M in total deposits. If it failed, the FDIC would pay insured deposits up to $250,000 per depositor.
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Where does this data come from?
Not investment advice. See the full Bank of Eufaula profile.
How we score this
Bank of Eufaula elects the community bank leverage ratio, so it reports no risk-based capital ratios. Under Prompt Corrective Action (12 CFR 324.403) and that framework it is well capitalized above 8% from July 1, 2026 (9% before), with a grace band one point below. Banks that do not elect it are graded on the CET1 ratio and the Tier 1 and total capital ratios.
Community Bank Leverage Ratio: Tier 1 capital divided by average total assets, for a qualifying community bank that elects the simpler framework. Pass > 9.0% (CBLR elected); 8.0% from July 1, 2026, fail ≤ 8.0%.
Tier 1 Leverage Ratio: The same ratio as its community bank leverage ratio. Pass ≥ 5.0% (well-capitalized), fail < 4.0% (below minimum).
Nonperforming Loans (NPL) Ratio: Nonaccrual loans plus loans 90 or more days past due, divided by total loans. Pass < 1.5%, fail > 3.0%.
Texas Ratio: Problem assets (nonaccrual loans, loans 90+ days past due and still accruing, and OREO, net of U.S. government-guaranteed portions) divided by tangible equity plus the allowance for credit losses. Pass < 50%, fail > 100% (historical failure threshold).
Efficiency Ratio: Noninterest expense divided by revenue (net interest income plus noninterest income). Pass ≤ 75% (lower is better), fail ≥ 90%.
Risk screens, beyond those bands: Uninsured deposit share watch at 50%, concern at 70%; Loan-to-deposit ratio flags at 100% or above; Commercial real estate to capital watch at 200%, concern at 300%; Held-to-maturity unrealized loss to equity watch at 10%, concern at 25%; NPL, Texas ratio and efficiency bands are ours.
Not a credit rating. Methodology.
Regulator records: FDIC BankFind (cert 4094) · FFIEC NIC profile (RSSD 343051)
Explore: Full Bank of Eufaula profile · Other banks in OK · Metric glossary · How the call report works