Quail Creek Bank
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Data as of · sourced from FFIEC call reports. How we update
Quail Creek Bank is an FDIC-insured commercial bank headquartered in Oklahoma City, OK, established in 1974 (FDIC certificate 21848), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $831.2M, up 5.4% from Q2 2025, the 34th largest of 169 banks headquartered in Oklahoma. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.07% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 21848
- Headquarters
- Oklahoma City, OK
- Established
- 1974
- Total assets, Q2 2026
- $831.2M
- Assets vs Q2 2025
- +5.4%
- Tier 1 leverage ratio, Q2 2026
- 9.07%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 103001809
- Holding company
- QUAIL CREEK BANCSHARES, INC.
- Asset rank in state
- 34th of 169 in Oklahoma
Quail Creek Bank leans heavily on commercial real estate. The Oklahoma City, Oklahoma bank had $831 million in assets at June 30, 2026, up 5.4% from a year earlier. It holds commercial real estate loans worth 3.5 times its capital, about triple the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. It also funds 9.07% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
Its $213 million non-owner-occupied commercial real estate book is improving, with 0.39% past due or on nonaccrual, down from 1.31% a year earlier. Deposits are coming in faster than loans: over the year loans rose 2.3% and deposits rose 5.5%.
As of June 30, 2026, Quail Creek Bank reported a return on assets of 1.75%, a nonperforming-loan ratio of 0.65% and a Texas ratio of 6.01%. The figures come from its call report filed with the FFIEC.
Of the 169 banks headquartered in Oklahoma, Quail Creek Bank is the 34th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.6% to $831.2M, loans rose 0.4% and deposits rose 1.0%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 41.6% of total loans, followed by non-owner-occupied commercial real estate loans at 34.4%. The FDIC Summary of Deposits lists a single office for it, in Oklahoma City, OK. On its Q2 2026 call report, Quail Creek Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 12201 N May Ave, Oklahoma City, OK 73120
- County
- Oklahoma
- Metro Area
- Oklahoma City, OK
- 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
- December 4, 1974
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 83
- Domestic deposits
- $756.5M
- Allowance for credit losses
- $7.2M
- Net charge-offs (YTD)
- $241K
- Average total assets
- $822.4M
- Average total loans
- $620.2M
- Average interest-bearing deposits
- $569.0M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- December 4, 1974
- FDIC Cert
- 21848
- Fed RSSD
- 507152
- Website
- quailcreek.bank →
- Parent Holding Company
- QUAIL CREEK BANCSHARES, INC. (RSSD 1057962)
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, Quail Creek Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Quail Creek Bank's total assets ran between $765.3M (Q3 2023) and $831.2M (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
$831.2M total assets against $788.3M; $759.0M total liabilities against $720.1M.
$612.4M net loans and leases against $598.3M; $756.5M total deposits against $717.2M.
$140.4M securities against $130.4M; $67.0M cash and balances due against $49.3M.
$12.5M total interest income against $12.5M; $4.0M total interest expense against $4.1M.
$8.5M net interest income against $8.3M.
$364K total noninterest income against $556K; $5.1M total noninterest expense against $5.2M.
$0 provision for credit losses against $0.
$3.6M net income against $3.6M.
1.75% return on assets against 1.79%; 4.23% net interest margin against 4.35%.
9.07% tier 1 leverage ratio against 9.32%.
Inside the full Quail Creek Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Quail Creek Bank rankings
Its closest position to the top of a national ranking is 816 of 3,611, for ROA; its furthest is 1,477 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.56% (Q4 2024) to 2.16% (Q3 2024) and its net interest margin ran from 4.19% (Q1 2026) to 4.36% (Q3 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.07% | 1.75% | 0.65% | 6.01% | 4.23% |
| Q1 2026 | 9.35% | 1.70% | 1.11% | 9.58% | 4.19% |
| Q4 2025 | 9.42% | 1.63% | 1.21% | 9.42% | 4.31% |
| Q3 2025 | 9.23% | 1.79% | 1.15% | 9.00% | 4.36% |
| Q2 2025 | 9.32% | 1.79% | 0.56% | 4.51% | 4.35% |
| Q1 2025 | 9.76% | 1.73% | 0.27% | 2.01% | 4.27% |
| Q4 2024 | 9.57% | 1.56% | 0.36% | 2.64% | 4.35% |
| Q3 2024 | 9.31% | 2.16% | 0.28% | 2.14% | 4.36% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 |
|---|---|---|---|
| Quail Creek Bank (main office) | Oklahoma City , OK | 73120 | $756.5M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.5% of deposits in OK, rank 36 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 109 applications, 97 loans originated, $39.2M originated, across 5 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $2.5M approved, $2.5M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2022 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Quail Creek Bank
What are Quail Creek Bank's total assets?
As of the Q2 2026 filing, Quail Creek Bank reported total assets of $831.2 million in its FFIEC call report.
Where is Quail Creek Bank headquartered?
It is headquartered in Oklahoma City, OK, United States.
When was Quail Creek Bank founded?
It was established in 1974, per the FDIC institution directory.
Is Quail Creek Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #21848). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Quail Creek Bank?
Quail Creek Bank's primary federal regulator is the FDIC.
How many branches does Quail Creek Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Quail Creek Bank's Texas Ratio?
Its Texas Ratio is 6.01% 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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