Headquartered in Beaver, Oklahoma, The Bank of Beaver City is a state-chartered bank with $188.6M in total assets and $170.4M in deposits as of Q2 2026. It operates 2 offices across 2 states. Its charter dates back to 1902.
Based on its Q2 2026 filing, The Bank of Beaver City scores 60/100, which we describe as moderate. That is higher than only 19% of 2,650 banks with $100 million – $1 billion. Among 170 banks headquartered in Oklahoma, it ranks 128th. Its strongest component is funding & liquidity (89/100; 61% loans-to-deposits, 24% uninsured), and its lowest is capital cushion (37/100; 8.67%).
TellerScore · Q2 2026
Scorecard
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 12 points (72 → 60), mostly because the loan quality component weakened by 43 points.
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| Quarter | TellerScore |
|---|---|
| Q2 2024 | 58 |
| Q3 2024 | 67 |
| Q4 2024 | 64 |
| Q1 2025 | 71 |
| Q2 2025 | 72 |
| Q3 2025 | 74 |
| Q4 2025 | 75 |
| Q1 2026 | 75 |
| Q2 2026 | 60 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.47% |
| Q3 2024 | 8.57% |
| Q4 2024 | 8.58% |
| Q1 2025 | 8.71% |
| Q2 2025 | 8.78% |
| Q3 2025 | 9.12% |
| Q4 2025 | 9.31% |
| Q1 2026 | 9.28% |
| Q2 2026 | 8.67% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.86% |
| Q3 2024 | 0.05% |
| Q4 2024 | 0.41% |
| Q1 2025 | 0.05% |
| Q2 2025 | 0.05% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 1.34% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.60% |
| Q3 2024 | 0.58% |
| Q4 2024 | 0.71% |
| Q1 2025 | 1.12% |
| Q2 2025 | 1.22% |
| Q3 2025 | 1.22% |
| Q4 2025 | 1.23% |
| Q1 2026 | 1.16% |
| Q2 2026 | 1.23% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 60 | $188.6M | 8.67% | 1.34% | 1.23% | 60.6% |
| Q1 2026 | 75 | $184.4M | 9.28% | 0.00% | 1.16% | 60.9% |
| Q4 2025 | 75 | $180.2M | 9.31% | 0.00% | 1.23% | 65.7% |
| Q3 2025 | 74 | $174.2M | 9.12% | 0.00% | 1.22% | 68.6% |
| Q2 2025 | 72 | $177.9M | 8.78% | 0.05% | 1.22% | 64.8% |
| Q1 2025 | 71 | $178.8M | 8.71% | 0.05% | 1.12% | 62.9% |
| Q4 2024 | 64 | $175.9M | 8.58% | 0.41% | 0.71% | 64.4% |
| Q3 2024 | 67 | $173.8M | 8.57% | 0.05% | 0.58% | 62.2% |
| Q2 2024 | 58 | $175.1M | 8.47% | 0.86% | 0.60% | 58.5% |
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).
Similar-size banks in Oklahoma
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Enterprise BankBank Oklahoma City, OK | 28 out of 100, Low | $189.7M | 10.8% | 6.33% | vs |
| The First National Bank and Trust Company of MiamiBank Miami, OK | 82 out of 100, Strong | $191.4M | 13.4% | 0.60% | vs |
| The Bank of the WestBank Thomas, OK | 62 out of 100, Moderate | $192.4M | 10.5% | 2.22% | vs |
| The Farmers State BankBank Quinton, OK | 70 out of 100, Strong | $193.9M | 9.3% | 0.79% | vs |
| The Seiling State BankBank Seiling, OK | 79 out of 100, Strong | $195.0M | 10.5% | 0.00% | vs |
| Oklahoma Capital BankBank Tulsa, OK | 69 out of 100, Moderate | $196.3M | 10.4% | 0.30% | vs |
Deposit insurance
Is my money safe at The Bank of Beaver City?
Yes. The Bank of Beaver City is an FDIC-insured institution (FDIC certificate #11862). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 24.3% of deposits ($41.4M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 8.67%, 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%).
2 locations
Branches
The Bank of Beaver City lists 2 offices in 2 cities across 2 states. Most locations:
- Beaver, OK (1)
- Liberal, KS (1)
Identity & history
Profile
- Legal name
- The Bank of Beaver City
- Type
- State-chartered bank
- FDIC certificate #
- 11862
- RSSD ID
- 137456
- Primary regulator
- FDIC
- Holding company
- Beaver Bcorp Inc
- Established
- January 1, 1902
- Headquarters
- 130 Douglas Ave, Beaver, OK 73932
- Website
- www.bankofbeaver.bank
- Employees
- 32
Quick answers
The Bank of Beaver City: common questions
Is The Bank of Beaver City FDIC insured?
Yes. The Bank of Beaver City is an FDIC-insured institution (FDIC certificate #11862). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Bank of Beaver City's TellerScore?
60 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 The Bank of Beaver City ever failed?
There is no failure record for FDIC certificate #11862 in the FDIC failed bank list.
How many branches does The Bank of Beaver City have?
2 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Beaver
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Golden Plains Credit UnionCredit union Garden City, KS | 70 out of 100, Strong | $1.0B | 13.2% | 1.06% | vs |
| Equity BankBank Andover, KS | 65 out of 100, Moderate | $7.7B | 10.6% | 1.18% | vs |
| The First Security BankBank Beaver, OK | 35 out of 100, Low | $335.0M | 8.3% | 2.34% | vs |