The Bank of Beaver City: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Operating from Beaver, OK, The Bank of Beaver City serves its local market as an FDIC-insured commercial bank. On its most recent Q2 2026 call report, The Bank of Beaver City reported $189M in total assets against $170M in deposits. The bank posts a strong 1.23% ROA and 19.43% ROE. Asset quality is pristine, 0.00% NPLs and a 10.12% Texas Ratio. 2 branches make up the footprint.
As of June 30, 2026, The Bank of Beaver City reported a Tier 1 leverage ratio of 8.67%, a return on assets of 1.23%, a nonperforming-loan ratio of 0.00%, a Texas ratio of 10.12%, per financial data filed with the FFIEC.
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
- Offices
- 2 domestic
- Employees (FTE)
- 32
- Domestic deposits
- $170.4M
- Allowance for credit losses
- $1.5M
- Net charge-offs (YTD)
- $2K
- 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
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full The Bank of Beaver City terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock The Bank of Beaver City, freeThe Bank of Beaver City rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 8.67% | 1.23% | 0.00% | 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% | 0.00% | 0.69% | 2.90% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 2 branches →
| 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
What the public regulatory sources show for The Bank of Beaver City, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in OK, rank 142 of 194 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
Add this badge to your website
Free to use. The badge always shows The Bank of Beaver City’s most recent filed regulatory figures. It updates automatically each quarter, so it never goes stale.
Similar banks
Compare The Bank of Beaver City with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet. Pick a peer to view the full head-to-head.
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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is The Bank of Beaver City headquartered?
The Bank of Beaver City is headquartered in Beaver, OK, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was The Bank of Beaver City founded?
The Bank of Beaver City was established in 1902, per the FDIC institution directory.
Is The Bank of Beaver City FDIC-insured?
Yes. The Bank of Beaver City 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does The Bank of Beaver City operate?
The Bank of Beaver City 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?
The Bank of Beaver City's Texas Ratio is 10.12% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
Go deeper on The Bank of Beaver City.
Unlock the full terminal: 26 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Unlock The Bank of Beaver City, freeFree account