Banccentral National Assn
Alva, Oklahoma · FDIC Cert #4033
Banccentral National Assn is an FDIC-insured bank (Certificate #4033) with $280M in total assets and $266M in total deposits as of the Q2 2024 Call Report. Headquartered in Alva, Oklahoma, the bank maintains a Tier 1 capital ratio of 14.47% (Well-Capitalized) and a nonperforming loan ratio of 22.21%. BankHealthData assigns a composite Health Grade of C (59/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Banccentral National Assn (FDIC cert 4033) is a community bank — $280M in total assets, $266M in deposits, serving the Alva, Oklahoma area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 14.47% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality shows stress: non-performing loan ratio of 22.21% is well above the peer median and signals significant credit-quality challenges. Banks in this range typically face heightened regulatory monitoring. Liquidity is very high: 49.6% of assets in liquid form, well above peer norms. Very high liquidity sometimes reflects a bank still building out its loan portfolio or one operating under specific regulatory liquidity requirements.
Profitability is negative: ROA of -1.05% means the bank lost money during the reporting period. Sustained negative ROA erodes capital and triggers escalating regulatory attention. Health-score trend is essentially stable across the recent-quarters window — the typical pattern for established banks operating in steady-state mode. Banccentral National Assn carries a composite BankHealth grade of C (59/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Banccentral National Assn
- Total Assets
- $280M
- Total Deposits
- $266M
- Tier 1 Capital Ratio
- 14.47%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 22.21%
- Liquidity Ratio
- 49.62%
- Return on Assets
- -1.05%
- Headquarters
- Alva, Oklahoma
- FDIC Certificate
- #4033
- Health Grade
- C (59/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Banccentral National Assn holds a Tier 1 capital ratio of 14.47%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Banccentral National Assn has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Banccentral National Assn shows average financial health. While not alarming, its Health Score of 59/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Banccentral National Assn Compares
Banccentral National Assn’s Health Score of 59 is 5 points below the Oklahoma state average of 64 across 141 FDIC-insured banks. Its 14.47% Tier 1 capital ratio is 0.5 points above the US banking industry average near 14%. The 22.21% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of -1.05% is below the national ROA benchmark of ~1.1%. Among 1589 similarly-sized banks, the average Health Score is 69, meaning this bank ranks below its size cohort. Site-wide, Banccentral National Assn is 11 points below the portfolio average of 70.
Frequently Asked Questions
Banccentral National Assn has a Bank Health Score of C (59/100), placing it in average financial health. It holds a Tier 1 capital ratio of 14.47%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Banccentral National Assn's Tier 1 capital ratio of 14.47% and nonperforming loan ratio of 22.21% indicate an average risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Banccentral National Assn is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #4033). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Banccentral National Assn holds $280M in total assets and $266M in total deposits. It is headquartered in Alva, Oklahoma (FDIC Certificate #4033).
Banccentral National Assn has a Tier 1 capital ratio of 14.47%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 22.21%, and the return on assets is -1.05%.
Yes. Banccentral National Assn is FDIC-insured (Certificate #4033). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An C grade on our Bank Health Score means 55-69/100 — average across capital, loan quality, and profitability. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Banccentral National Assn's metrics are around average for the industry. There's no urgent action needed for FDIC-insured deposits, but it's worth monitoring quarterly updates. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.