Bank Safety Analysis
Is Brooks Bank, N.A. Safe? Chickasha, Oklahoma
Based on its Q2 2026 call report, Brooks Bank, N.A. meets the community bank leverage ratio test for well capitalized, its Texas ratio is 11.62%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer: is Brooks Bank, N.A. safe?
On its Q2 2026 call report, Brooks Bank, N.A.'s Community Bank Leverage Ratio is 13.31%, 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): 13.31%
- Texas ratio (Q2 2026): 11.62%
- Noncurrent loans ratio (Q2 2026): 2.61%
Brooks Bank, N.A. is an FDIC-insured commercial bank (FDIC Certificate #4062). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Source: the FFIEC call report Brooks Bank, N.A. (FDIC Certificate #4062) filed for the quarter ended June 30, 2026. BankRegReports computes every ratio on this page from that filing.
Context: largest US bank failures.
Brooks Bank, N.A. meets regulatory minimums but is on the watch band for 1 of 5 safety dimensions.
Compared with Q1 2026, return on assets rose 0.13 percentage points in Q2 2026 to 2.11%, the biggest move on this page. Within Oklahoma, Brooks Bank, N.A. is 37th of 169 on leverage ratio, 13.31% as of Q2 2026. Brooks Bank, N.A. reported 13.31% on leverage ratio for Q2 2026, 2.83 points above the 10.49% median for banks in the $1B-10B asset tier. From Q3 2023 to Q2 2026, Brooks Bank, N.A.'s Texas ratio ranged between 8.37% (Q3 2024) and 13.86% (Q2 2025). Between Q2 2025 and Q2 2026, Brooks Bank, N.A.'s nonperforming loan ratio (nonaccrual plus 90+ days past due) fell from 2.62% to 2.61%, Texas ratio fell from 13.86% to 11.62% and return on assets rose from 1.92% to 2.11%.
Of the 169 banks headquartered in Oklahoma, Brooks Bank, N.A. is the 22nd largest by total assets at Q2 2026. Non-owner-occupied commercial real estate loans are its largest loan category, $113.7M of $523.3M in total loans on its June 30, 2026 call report. Against the 941 banks with $1B to $10B in assets for Q2 2026, Brooks Bank, N.A.'s community bank leverage ratio of 13.31% is above the 10.49% median, nonperforming loans ratio of 2.61% is above the 0.52% median, Texas ratio of 11.62% is above the 3.63% median, and efficiency ratio of 48.37% is below the 58.77% 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 Brooks Bank, N.A. score on capital, credit and costs?
Peer cohort: $1B to $10B (895 banks) · Industry averages as of Q2 2026.
Median of the 941 banks with $1B to $10B in assets, Q2 2026: 10.49%.
Median of the 941 banks with $1B to $10B in assets, Q2 2026: 10.49%.
Median of the 941 banks with $1B to $10B in assets, Q2 2026: 0.52%.
Median of the 941 banks with $1B to $10B in assets, Q2 2026: 3.63%.
Median of the 941 banks with $1B to $10B in assets, Q2 2026: 58.77%.
Does Brooks Bank, N.A. 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 | 11.62% | Within range |
| Non-performing loan ratio BankRegReports band | 2.61% | Within range |
| Uninsured deposit share BankRegReports band | 19.72% | Within range |
| Loan-to-deposit ratio BankRegReports band | 58.34% | Within range |
| Commercial real estate to capital supervisory threshold | 142.16% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 8.16% | Within range |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 11.62% |
| Q1 2026 | 12.52% |
| Q4 2025 | 12.72% |
| Q3 2025 | 11.67% |
| Q2 2025 | 13.86% |
| Q1 2025 | 13.82% |
| Q4 2024 | 8.77% |
| Q3 2024 | 8.37% |
| Q2 2024 | 8.64% |
| Q1 2024 | 9.22% |
| Q4 2023 | 8.86% |
| Q3 2023 | 11.75% |
Loans by type, Q2 2026
- Non-owner-occupied commercial real estate loans: $113.7M
- Construction and land development loans: $95.4M
- Owner-occupied commercial real estate loans: $93.1M
- Commercial and industrial loans: $69.3M
- 1-4 family residential loans: $59.8M
- Loans to states and political subdivisions: $43.4M
- Other consumer loans: $8.7M
- Multifamily loans: $6.2M
How have Brooks Bank, N.A.'s safety ratios changed?
| Quarter end | Total assets | Leverage (CBLR) | NPL ratio | Texas ratio | Efficiency |
|---|---|---|---|---|---|
| Jun 30, 2026 | $1.07B | 13.31% | 2.61% | 11.62% | 48.37% |
| Mar 31, 2026 | $1.07B | 13.67% | 2.70% | 12.52% | 47.90% |
| Dec 31, 2025 | $1.06B | 13.40% | 2.75% | 12.72% | 45.81% |
| Sep 30, 2025 | $1.04B | 13.27% | 2.39% | 11.67% | 44.61% |
| Jun 30, 2025 | $1.04B | 12.74% | 2.62% | 13.86% | 47.99% |
| Mar 31, 2025 | $1.03B | 12.74% | 2.54% | 13.82% | 50.58% |
| Dec 31, 2024 | $1.02B | 12.52% | 1.42% | 8.77% | 48.54% |
| Sep 30, 2024 | $1.03B | 12.24% | 1.46% | 8.37% | 51.76% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is Brooks Bank, N.A. FDIC insured?
Yes. Brooks Bank, N.A. is an FDIC-insured commercial bank (FDIC Certificate #4062). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is Brooks Bank, N.A. well capitalized?
On its Q2 2026 call report, Brooks Bank, N.A.'s Community Bank Leverage Ratio is 13.31%, above the 9% threshold that makes a community bank well capitalized. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the OCC, applies.
What are Brooks Bank, N.A.'s key safety ratios?
For Q2 2026, Brooks Bank, N.A. reports leverage 13.31%, Texas ratio 11.62%, noncurrent loans 2.61%. Its Texas ratio compares with the 3.63% median for the 941 banks with $1B to $10B in assets.
What happens to my deposits if Brooks Bank, N.A. fails?
For Q2 2026, Brooks Bank, N.A. reported $897.1M in total deposits, 19.72% of them estimated as uninsured. If it failed, the FDIC would pay insured deposits up to $250,000 per depositor.
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Free to use. It shows Brooks Bank, N.A.’s latest filed figures and updates each quarter.
Where does this data come from?
Not investment advice. See the full Brooks Bank, N.A. profile.
How we score this
Brooks Bank, N.A. 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 4062) · FFIEC NIC profile (RSSD 154154)
Explore: Full Brooks Bank, N.A. profile · Other banks in OK · Metric glossary · How the call report works