TellerScore

Quail Creek Bank (FDIC certificate #21848) is based in Oklahoma City, Oklahoma. Its Q2 2026 call report shows $831.2M in total assets and $756.5M in deposits and 1 office.

Quail Creek Bank has a TellerScore of 67 out of 100 (moderate) based on Q2 2026 data — higher than only 34% of its 2,650 banks with $100 million – $1 billion. Among 170 banks headquartered in Oklahoma, it ranks 98th. Earnings contributes the most (89/100, 1.72%); capital cushion contributes the least (41/100, 9.07%).

TellerScore · Q2 2026

Scorecard

Capital cushion41/100
Tier 1 leverage ratio: 9.07%
Loan quality78/100
Noncurrent loans ÷ total loans: 0.65%
Earnings89/100
Return on assets (annualized): 1.72%
Funding & liquidity57/100
Loans ÷ deposits and uninsured-deposit share: 80.9% · 34.9% uninsured
Problem-loan coverage88/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 6.01%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 2 points (69 → 67), mostly because the loan quality component weakened by 3 points.

TellerScore
636873Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202473
Q3 202473
Q4 202473
Q1 202573
Q2 202569
Q3 202563
Q4 202563
Q1 202663
Q2 202667
Tier 1 leverage ratio
5.00%7.38%9.76%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.24%
Q3 20249.31%
Q4 20249.57%
Q1 20259.76%
Q2 20259.32%
Q3 20259.23%
Q4 20259.42%
Q1 20269.35%
Q2 20269.07%
Noncurrent loans
0.27%0.74%1.21%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.28%
Q3 20240.28%
Q4 20240.36%
Q1 20250.27%
Q2 20250.56%
Q3 20251.15%
Q4 20251.21%
Q1 20261.11%
Q2 20260.65%
Return on assets
1.70%1.84%1.98%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.88%
Q3 20241.98%
Q4 20241.88%
Q1 20251.74%
Q2 20251.77%
Q3 20251.78%
Q4 20251.75%
Q1 20261.70%
Q2 20261.72%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202667$831.2M9.07%0.65%1.72%80.9%
Q1 202663$826.5M9.35%1.11%1.70%81.4%
Q4 202563$821.9M9.42%1.21%1.75%82.1%
Q3 202563$798.5M9.23%1.15%1.78%84.1%
Q2 202569$788.3M9.32%0.56%1.77%83.4%
Q1 202573$781.2M9.76%0.27%1.74%83.5%
Q4 202473$781.0M9.57%0.36%1.88%84.7%
Q3 202473$781.8M9.31%0.28%1.98%85.0%
Q2 202473$797.7M9.24%0.28%1.88%83.1%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.07%
13th
Total risk-based capital0.00%
24th
Problem loans0.65%
39th
Net charge-offs0.08%
23rd
Return on assets1.72%
77th
Net interest margin4.17%
64th
Efficiency ratio56.8%
67th
Loans to deposits80.9%
47th
Uninsured deposits34.9%
17th
Loan-loss reserves1.16%
46th
Texas ratio6.0%
30th

Similar-size banks in Oklahoma

InstitutionScoreAssetsCapitalProblem loansCompare
First Liberty BankBank Oklahoma City, OK76 out of 100, Strong$885.0M11.8%0.07%vs
SpiritBankBank Tulsa, OK63 out of 100, Moderate$912.8M9.3%0.86%vs
F&M BankBank Edmond, OK71 out of 100, Strong$915.3M10.0%0.36%vs
Valliance BankBank Oklahoma City, OK47 out of 100, Below average$923.3M9.3%1.58%vs
Security BankBank Tulsa, OK81 out of 100, Strong$939.0M11.8%0.15%vs
Prism BankBank Guthrie, OK63 out of 100, Moderate$720.9M10.1%0.49%vs

Deposit insurance

Is my money safe at Quail Creek Bank?

Yes. Quail Creek Bank is an FDIC-insured institution (FDIC certificate #21848). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 34.9% of deposits ($263.8M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.07%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

Quail Creek Bank lists 1 office in 1 city. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Quail Creek Bank reported 109 home-loan applications under HMDA (LEI 549300D3HXQOVIN2DA88): 97 originated ($39,215,000 total), 4 denied, and 7 withdrawn or closed by the applicant. Its denial rate on decided applications was 3.9%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Quail Creek Bank
Former names
Quail Creek Bank, National Association
Type
State-chartered bank
FDIC certificate #
21848
RSSD ID
507152
Primary regulator
FDIC
Holding company
Quail Creek Bancshares Inc
Established
December 4, 1974
Headquarters
12201 N May Ave, Oklahoma City, OK 73120
Employees
83

Quick answers

Quail Creek Bank: common questions

Is Quail Creek Bank FDIC insured?

Yes. Quail Creek Bank is an FDIC-insured institution (FDIC certificate #21848). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Quail Creek Bank's TellerScore?

67 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Quail Creek Bank ever failed?

There is no failure record for FDIC certificate #21848 in the FDIC failed bank list.

How many branches does Quail Creek Bank have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Oklahoma City

InstitutionScoreAssetsCapitalProblem loansCompare
Oklahoma Federal Credit UnionCredit union Oklahoma City, OK91 out of 100, Very strong$198.9M20.2%0.24%vs
International Bank of CommerceBank Oklahoma City, OK88 out of 100, Very strong$1.6B15.5%0.66%vs
Correctional Workers Federal Credit UnionCredit union El Reno, OK88 out of 100, Very strong$10.5M17.9%0.19%vs
Sooner State BankBank Tuttle, OK86 out of 100, Very strong$354.6M12.8%0.33%vs
Bank 7Bank Oklahoma City, OK86 out of 100, Very strong$1.9B13.9%0.39%vs
U. S. Employees O. C. Federal Credit UnionCredit union Oklahoma City, OK85 out of 100, Very strong$213.5M16.3%0.20%vs