# STATE EXCHANGE BANK
LAMONT, OK · FDIC certificate 13551 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 7 (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 | $89.6M | |
| Deposits | $78.6M | |
| Loans and leases | $62.7M | |
| Total equity | $9.7M | |
| Loans / deposits | 77.53% (p58 of band) | 73.59% |
| Liquid assets / assets | 28.54% (p40 of band) | |
| Uninsured deposits / deposits | 20.50% (p53 of band) | 19.81% |
| Brokered deposits | 16.12% | |
| Wholesale funding | 17.24% (p93 of band) | |
| FHLB advances / assets | 1.12% | |
| Tier 1 leverage | 10.65% (p35 of band) | 11.76% |
| Unrealized securities loss / equity | -0.94% (p78 of band) | -6.57% |
| AOCI / equity | -0.22% (p58 of band) | |
| ROA (annualized) | 0.87% (p34 of band) | 1.17% |
| Net interest margin | 3.88% (p47 of band) | 3.93% |
| Efficiency ratio | 67.51% (p55 of band) | |
| Noncurrent loans | 6.88% (p98 of band) | 0.36% |
| Net charge-offs (annualized) | 0.40% (p96 of band) | |
| Reserve coverage of noncurrent | 41.21% | |
| Real estate % of loans | 65% | |
| Construction % of loans | 34.89% (p68 of band) | |
| Auto loans | $177,000 (0.28% of loans; DQ 0.56%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -7.5% | |
| Employees | 15 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 4 | wholesale funding >15%, noncurrent p90 |  |
| 2011-09 | 2 |  | charge-offs p90, wholesale funding >15% |
| 2011-12 | 1 |  | noncurrent p90 |
| 2012-03 | 3 | deposits shrinking, assets shrinking |  |
| 2012-06 | 4 | uninsured deposits leaving |  |
| 2012-09 | 3 |  | reserve under noncurrent |
| 2012-12 | 3 |  |  |
| 2013-03 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2013-06 | 0 |  |  |
| 2013-09 | 2 | deposits shrinking, assets shrinking |  |
| 2013-12 | 0 |  | deposits shrinking, assets shrinking |
| 2014-03 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2014-06 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2014-09 | 1 | capital falling |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 | wholesale funding >15% | capital falling |
| 2015-12 | 1 |  |  |
| 2016-03 | 5 | capital falling, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2016-06 | 3 |  | deposits shrinking, assets shrinking |
| 2016-09 | 1 | loans exceed deposits | wholesale funding >15%, capital falling, uninsured deposits leaving |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | brokered >10%, charge-offs p90 | loans exceed deposits |
| 2017-06 | 3 | loans exceed deposits, uninsured deposits leaving | brokered >10% |
| 2017-09 | 1 |  | loans exceed deposits, uninsured deposits leaving |
| 2017-12 | 5 | loans exceed deposits, noncurrent p90, reserve under noncurrent, uninsured deposits leaving |  |
| 2018-03 | 3 |  | charge-offs p90, uninsured deposits leaving |
| 2018-06 | 3 | capital falling, losing money, charge-offs p90 | loans exceed deposits, noncurrent p90, reserve under noncurrent |
| 2018-09 | 3 | noncurrent p90, reserve under noncurrent | capital falling, losing money |
| 2018-12 | 1 |  | noncurrent p90, reserve under noncurrent |
| 2019-03 | 1 |  |  |
| 2019-06 | 5 | noncurrent p90, reserve under noncurrent, deposits shrinking, assets shrinking |  |
| 2019-09 | 3 |  | deposits shrinking, assets shrinking |
| 2019-12 | 2 | uninsured deposits leaving | noncurrent p90, reserve under noncurrent |
| 2020-03 | 3 | noncurrent p90, reserve under noncurrent | uninsured deposits leaving |
| 2020-06 | 7 | loans exceed deposits, brokered >10%, wholesale funding >15%, capital falling |  |
| 2020-09 | 7 |  |  |
| 2020-12 | 6 |  | capital falling |
| 2021-03 | 4 |  | charge-offs p90, loans exceed deposits |
| 2021-06 | 4 |  |  |
| 2021-09 | 5 | uninsured deposits leaving |  |
| 2021-12 | 5 |  |  |
| 2022-03 | 6 | charge-offs p90 |  |
| 2022-06 | 6 |  |  |
| 2022-09 | 5 |  | uninsured deposits leaving |
| 2022-12 | 6 | loans exceed deposits |  |
| 2023-03 | 3 |  | noncurrent p90, reserve under noncurrent, charge-offs p90 |
| 2023-06 | 3 | capital falling | loans exceed deposits |
| 2023-09 | 4 | uninsured deposits leaving |  |
| 2023-12 | 2 |  | capital falling, uninsured deposits leaving |
| 2024-03 | 2 |  |  |
| 2024-06 | 3 | loans exceed deposits |  |
| 2024-09 | 6 | losing money, noncurrent p90, charge-offs p90, reserve under noncurrent | loans exceed deposits |
| 2024-12 | 7 | deposits shrinking, assets shrinking | losing money |
| 2025-03 | 6 |  | charge-offs p90 |
| 2025-06 | 8 | losing money, charge-offs p90 |  |
| 2025-09 | 8 |  |  |
| 2025-12 | 8 |  |  |
| 2026-03 | 8 |  |  |
| 2026-06 | 7 |  | losing money |

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

- 2024-01-17 [Google Wallet now supports 44 more banks — here's the new additions - androidpolice.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxNc2tTNzBQQjlWRmhZQnBFTFdzVlVWWDBwcUc0TkhyNWl4T1dfM0hLU3oxNDZPdlhqWV9mWmEyd3VRWVA0enVPaWk0SGFwSm9QM2E2X2M5ckpOblU2cF9lQkNZbzl6alFweWE0M25fYVZQdVBqV3BtNzIzRDJYNjhZTWw1QkZBUHI5VDBlbmVB?oc=5) · androidpolice.com
- 2024-01-17 [Google Wallet adds support for over 40 more banks including Venmo - 9to5Google](https://news.google.com/rss/articles/CBMiekFVX3lxTFBFRngyX0h6VU1CeWUyekdkbkZZZVNmUXJCOTRqb0w5T1lDR3VVTV9uZi00T3VzTXh5VVZraEJhaGFZTFU5T1F0M1RDSlU3RkVMUlFVNF95Mk90WVk2bXQybE9YSjg3dEdNWVB2dnZtZnRFSzRlUE95cnp3?oc=5) · 9to5Google
- 2026-07-04 [Glenna Louise (Topliff) Fogo - KSAL News](https://news.google.com/rss/articles/CBMia0FVX3lxTFBTdWw4bWgwT3ExT2NCeGxKTnptVnZhWkhvMW9UUkJLWVNaZnBUc0xPRGZwbUFtSnZoWXhxYlRjcTFuNW5hZ0liZFpwTExfcUJfdmVaUWxtVExfZGk1aEJtU2RxYjh2XzhLcUhj?oc=5) · KSAL News
- 2025-10-01 [Dennis Skaggs Obituary (2025) - Enid, OK - Brown-Cummings, A Life Celebration Home - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxQcE52UDctX013RGF3YlRFY2c0YXc0cnZEa3ZibjUtbWJyN29rdmE3cEV0SThHcGQtMndlX2gxV3NhQ2Nma1NuRXB6QlZKbndORXkwbUtqV1hGOHNGRlVPLWllUnBzOTk4a1I5WUF0dldBR1BFdWhIRWRJdFVOd0NlOVRB?oc=5) · legacy.com
- 2026-09-09 [Virginia Thomas Obituary (1935 - 2026) - Plymouth, IN - The Pilot News - legacy.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxQdFQ4b3F0UmdEUjRBajR6dzFZZUtCdW15Tm5wZ1JrbUYzSDBpVkd1Uk93QWdLSVZfUmtWaGRLcW55THV5dElZdGhPWlRnRDFSZUV2dU9qS0pObUVlcXhMeFFNZV9jaEl2d1dxMnh4T0tMTmI3alF2TG9zQXNHc3pHT01BMVNLYnFEUW0zWlc4emRkMVdDc3c?oc=5) · legacy.com
- 2025-05-22 [Diana Harden Snelgrove - legacy.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxNM0g1NW15SThzUkJwU0lXR0NPTGtIY05nQzRlTEhwNkRkdVdSdnpsU1pqWEEzUjA1dTdwVjZfdk8xQVkwUUJLZmpoVlJ5aXNWcFNfR3hJUE9TMWFHMXUxS0lMSDhKVFNVUDVzNzVFdktPT21UamtZM0hiRGtZZkZoZTk3Szg?oc=5) · legacy.com
- 2005-12-10 [James Fritch Obituary (2005) - Kansas City, MO - Kansas City Star - legacy.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxQQWFwSC04VmV2eVFxU2VNdHVIZEFKdloyUXYyMmJRbHF3NVYzVFU1OTRSY1Z2OGRlXzVudGJ4TzF1SWRlcWhsX251MWVhUlViZDMxZE9Za2lxbDUxRTJCWWo1V29VLURQdW11TFd3bW9BOFdaclA1Ukw0ZmpKRVNjd1lzX0gxOW5fSkdZdUF3?oc=5) · legacy.com
- 2024-01-21 [Google Wallet Expands: 44 New Banks Now Supported - Gizchina.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxPWkpLVFYtZW1zXzVFbVEyNVdRazZxdGcta1M1c3psdFZBNV9fUnZWeFFTXzZKc0JQVzhNYkktLXdEdWlGMlBJNk1pWTVOWVJLbTFWclVrTGpjUWNQellBODVYUHdjbFZCYlR4Nk0tSnBxZEVUdC1ZaC1TeHJiYlJRRFRublk?oc=5) · Gizchina.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=13551 (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/47.json (key "13551", 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