Banccentral National Assn
Alva, Oklahoma · FDIC Cert #4033
This is the FDIC profile for Banccentral National Assn, an FDIC-insured bank (Certificate #4033) with $280M in total assets and $266M in total deposits per its most recent FDIC Call Report filing (Q2 2024). 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) based on quarterly FDIC filings. 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
FDIC Filings & Call Report Data
Banccentral National Assn files quarterly Call Reports with the FDIC under Certificate #4033. The figures on this page reflect the Q2 2024 Call Report, which is the most recent FDIC filing currently available. Historical filings and Uniform Bank Performance Reports (UBPR) are accessible directly from the FDIC BankFind directory and the FFIEC Central Data Repository.
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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 18 points below the Oklahoma state average of 77 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 1590 similarly-sized banks, the average Health Score is 81, meaning this bank ranks below its size cohort. Site-wide, Banccentral National Assn is 21 points below the portfolio average of 80.
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's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #4033 and available through the FDIC BankFind directory and the FFIEC Central Data Repository. The data on this page reflects the Q2 2024 Call Report.
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.