BancCentral, National Association
Alva, OK
IDRSSD: 251352
Total Assets
$243.00M
Latest filing
Total Deposits
$230.41M
Latest filing
Net Interest Margin
2.18%
Profitability
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 08/11/1913 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 73717 |
| State and County Number | 40151 |
| Subchapter S Corporations | Yes |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 10 |
| Numeric code | 3 |
| Insured by FDIC | Institution closed or not insured by FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 59 |
| Domestic Offices | 4 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/20/2025 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | N/A |
| Data Updated | 11/28/2025 |
| CERT | 4033 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $243.00M |
| Total Deposits | $230.41M |
| Total Liabilities | $233.41M |
| Total Equity Capital | $9.60M |
| Net Income | $-1,990,000 |
| Net Loans and Leases | $69.37M |
| Assets Per Employee ($Millions) | $4.12M |
| Bank Premises and Fixed Assets | $19.69M |
| Cash and Balances due from Depository Institutions | $0 |
| Deposits Held in Domestic Offices | $230.41M |
Key Performance Ratios
| Return on Assets (ROA) | -3.12% |
| Return on Equity (ROE) | -73.5% |
| Net Interest Margin | 2.18% |
| Efficiency Ratio | 284.97% |
| Tier 1 Risk-Based Capital Ratio | 18.303% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -1.12% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 3.949% |
| Earning Assets to total Assets | 87.6% |
Income and Expense
| Total Interest Income | $2.64M |
| Total Noninterest Income | $232.00k |
| Total Interest Expense | $1.41M |
| Total Noninterest Expense | $4.17M |
| Net Interest Income | $1.23M |
| Pre-tax Net Operating Income | $-1,990,000 |
| Provision for Credit Losses | $-718,000 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $491.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.99M |
| Total Liabilities and Capital | $243.00M |
Securities
| Securities | $103.99M |
| Available-for-sale debt securities | $103.99M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | — |
| Trading Account Assets | — |
| Trading Liabilities | — |
Frequently Asked Questions
What are the total assets of BancCentral, National Association?
$243.00M as of the latest filing.
How much are BancCentral, National Association's total deposits?
$230.41M in total deposits.
Where is BancCentral, National Association located?
Alva, OK.
What is the Net Interest Margin?
2.18%.
How many domestic offices does it operate?
4.
When was it established?
08/11/1913.
What is the Return on Assets (ROA)?
-3.12%.
How much are total loans and leases?
$69.37M (latest filing).
What is the total interest income (latest filing)?
$2.64M.