# FIRST OKLAHOMA BANK
JENKS, OK · FDIC certificate 12484 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.34B | |
| Deposits | $1.18B | |
| Loans and leases | $1.15B | |
| Total equity | $117.2M | |
| Loans / deposits | 96.66% (p79 of band) | 87.10% |
| Liquid assets / assets | 11.41% (p9 of band) | |
| Uninsured deposits / deposits | 26.39% (p34 of band) | 30.76% |
| Brokered deposits | 12.69% | |
| Wholesale funding | 15.54% (p81 of band) | |
| FHLB advances / assets | 2.84% | |
| Tier 1 leverage | 9.07% (p14 of band) | 10.50% |
| Unrealized securities loss / equity | -0.40% (p94 of band) | -7.75% |
| AOCI / equity | -0.22% (p56 of band) | |
| ROA (annualized) | 0.91% (p25 of band) | 1.26% |
| Net interest margin | 3.67% (p48 of band) | 3.70% |
| Efficiency ratio | 64.17% (p66 of band) | |
| Noncurrent loans | 0.55% (p53 of band) | 0.51% |
| Net charge-offs (annualized) | 0.06% (p67 of band) | |
| Reserve coverage of noncurrent | 171.65% | |
| Real estate % of loans | 82% | |
| Construction % of loans | 101.08% (p88 of band) | |
| Auto loans | $387,000 (0.03% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 12.5% | |
| Employees | 113 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | losing money, expense ratio p90 |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 1 | capital falling | losing money, expense ratio p90 |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 1 | uninsured deposits leaving |  |
| 2012-12 | 0 |  | uninsured deposits leaving |
| 2013-03 | 2 | capital falling, reserve under noncurrent |  |
| 2013-06 | 1 |  | capital falling |
| 2013-09 | 0 |  | reserve under noncurrent |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 1 | reserve under noncurrent |  |
| 2014-12 | 2 | capital falling |  |
| 2015-03 | 4 | brokered >10%, construction >100% equity |  |
| 2015-06 | 5 | wholesale funding >15% |  |
| 2015-09 | 6 | liquid assets <10% |  |
| 2015-12 | 3 |  | reserve under noncurrent, capital falling, wholesale funding >15% |
| 2016-03 | 5 | wholesale funding >15%, expense ratio p90, charge-offs p90 | liquid assets <10% |
| 2016-06 | 4 | capital falling | expense ratio p90, charge-offs p90 |
| 2016-09 | 5 | liquid assets <10% |  |
| 2016-12 | 3 |  | capital falling, liquid assets <10% |
| 2017-03 | 4 | liquid assets <10% |  |
| 2017-06 | 3 | capital falling | wholesale funding >15%, liquid assets <10% |
| 2017-09 | 3 |  |  |
| 2017-12 | 2 | liquid assets <10%, charge-offs p90 | brokered >10%, construction >100% equity, capital falling |
| 2018-03 | 2 | brokered >10%, expense ratio p90 | liquid assets <10%, charge-offs p90 |
| 2018-06 | 1 |  | expense ratio p90 |
| 2018-09 | 0 |  | brokered >10% |
| 2018-12 | 1 | liquid assets <10% |  |
| 2019-03 | 2 | brokered >10%, charge-offs p90 | liquid assets <10% |
| 2019-06 | 2 |  |  |
| 2019-09 | 1 |  | brokered >10% |
| 2019-12 | 0 |  | charge-offs p90 |
| 2020-03 | 1 | brokered >10% |  |
| 2020-06 | 3 | loans exceed deposits, wholesale funding >15%, liquid assets <10% | brokered >10% |
| 2020-09 | 6 | brokered >10%, capital falling, charge-offs p90 |  |
| 2020-12 | 4 |  | loans exceed deposits, capital falling |
| 2021-03 | 2 |  | wholesale funding >15%, liquid assets <10% |
| 2021-06 | 1 |  | charge-offs p90 |
| 2021-09 | 1 |  |  |
| 2021-12 | 0 |  | brokered >10% |
| 2022-03 | 1 | brokered >10% |  |
| 2022-06 | 3 | capital falling, charge-offs p90 |  |
| 2022-09 | 2 |  | capital falling |
| 2022-12 | 1 |  | brokered >10% |
| 2023-03 | 1 | brokered >10% | charge-offs p90 |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | wholesale funding >15% |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 4 | charge-offs p90, uninsured deposits leaving |  |
| 2024-06 | 4 |  |  |
| 2024-09 | 4 |  |  |
| 2024-12 | 4 |  |  |
| 2025-03 | 3 | capital falling | charge-offs p90, uninsured deposits leaving |
| 2025-06 | 2 |  | capital falling |
| 2025-09 | 4 | liquid assets <10%, construction >100% equity |  |
| 2025-12 | 5 | capital falling |  |
| 2026-03 | 4 |  | wholesale funding >15% |
| 2026-06 | 3 | wholesale funding >15% | liquid assets <10%, capital falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-06-10 [Best Certificates of Deposit in Oklahoma for 2026 - moneyrates.com](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE81MGN5b1poaTVsX1hqYmstUndKVmFXTWUxMW1hUHhReFRQOExKdXVEYkpMT2Vtdng4eTJ0Q09taUJRaUdBTVczSHUtY2JPZjMyNlR0WnJTNkI4V3l3bnVFdFV2Vy00UDA?oc=5) · moneyrates.com
- 2025-09-26 [Kevin Boyd, First Oklahoma Bank - journalrecord.com](https://news.google.com/rss/articles/CBMid0FVX3lxTE15ZUNjSURzemhYODJ6eVoxcE1vN1FaMFh4M2QwZzFPbkg3Q2hZNmc4dTBBeTZzUGREVzFKWUt3R0U1RHdjTndaS2ptS0NXVVZiOE1vS1NzQmhFOExqOVd2eDQzUDRnNmFuel9GeUw5Rmx0cHpteG84?oc=5) · journalrecord.com
- 2020-01-10 [First Oklahoma Bank - TulsaPeople Magazine](https://news.google.com/rss/articles/CBMingFBVV95cUxNWi11bGZYVEJLTTZ3MFJNZWZvTV9BRWRxdDZKSEUzd1dQemp5VUYtd3ZWLW1xQnhqZEYtYzZrbHM2aGdlVGRreGVmVHVwb1dBTXJ4WkR1eEZ3VWFkakhmRTRBdTdRWldyaVl4M3dQTUVlYlY4OWRRZEd2dlFHcmN0MWlnelg0MnZaU1htcWtuWWNhd0s0NFRMOGZqQ05Tdw?oc=5) · TulsaPeople Magazine
- 2025-12-03 [Oklahoma State's first recruiting class was fast, furious under new coach Eric Morris - tulsaworld.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxPdU9GWTdrWkhMcVMwMnpzQ2tmU25MZDBXbXVXeHYzN2pjVlNOWXZoUGhBUGoxRVZDYndhdy0zOW9aWFJaYjRoVmFjT1E4RVRicmNTVWFhUHNpamd1ZEVMNWl4amUtOGI2blhFZzV4WFROWXdQV09pUWgybm95SEt4bTh3QWpTRlBNSGdzb1d1M3dKdlVWbVE?oc=5) · tulsaworld.com
- 2012-12-20 [First Oklahoma Bank Breaks Ground On New HQ In Jenks - News On 6](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPUFVZcHk5NGhWZnRrU21nT2Z1ejA0QU05TDB2eG5fOWpoN2sxOHRjWHpnODBZelY2X285ZU93UWpjUzVaMkJDZmxtVkJaMVhqWWZiRWVHNGxuYmNCdU5fdFZXVGdSa1VjaXphSTlGaHhCcnlsZVJwejkzcDVKQXhYSjlpdFJKcl9nc05NcU94ZF9JVlY5cVdEUHE2MnB2T1pTdURsMkFOb28zaEU?oc=5) · News On 6
- 2024-09-03 [Ryan Kirk, First Oklahoma Bank - journalrecord.com](https://news.google.com/rss/articles/CBMidkFVX3lxTE85NVFXem1oaTFrbW13Uy02bGh4ak1tZTVfNUt6dENCSF9uSWNmaEZ0a1FHeUlGcXNwSU80LUphaTZRNTc1N25XYzNIWFBTWUFnUlh3Q3owcjhPQXU0Q1lDTFQzUWZoTTh5b3I4UkwybUNKVWpBTFE?oc=5) · journalrecord.com
- 2018-12-08 [Briggs, two others inducted into Oklahoma Bankers Hall of Fame - Siskiyou Daily News](https://news.google.com/rss/articles/CBMiowFBVV95cUxPdzJUdnV3c2ZuUVVwSU02eGU0Z0E0bjc3NEJVTTF6bXRXcVZtRnFUWmJzVGJxQzltV0VzWTlaWWJzMHlYa3pHamxCVnVsdlA2YkYxQVNSa0dwTm5DMF9VVk1RbzBscDQwYlpaa3JIMXIxaU45ZmljV3RyajluQ3Q2c3Nkb3FTeGJJSE96WjJwbGlkTjM5aG8zY3ZqQWhldk9WajN3?oc=5) · Siskiyou Daily News
- 2019-12-21 [Financial: Jonathan Hendricks, FIRST OKLAHOMA BANK - tulsaworld.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxNNDZYc2ZGdV9EN01hX3J3eEFPRE8yaURkZGQyR2pwblFOendySTViTjRadURpblB6d2RycklvbFFTWmtuOHVjc0Zjd1F1UElBZWdlNVRScm5IMXJ6LXh0LTVBWTlEM3hHZUxnbnRMWnRiUWwtdjFtUWlfS1V5QmZfVHhBTzNoTXV3UEYwejhnT0NjaDdkYWE1dFcxMzE?oc=5) · tulsaworld.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=12484 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/4.json (key "12484", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide