# FIRST TEXOMA NATIONAL BANK
DURANT, OK · FDIC certificate 13905 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. 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 | $225.4M | |
| Deposits | $202.3M | |
| Loans and leases | $152.2M | |
| Total equity | $22.6M | |
| Loans / deposits | 74.23% (p51 of band) | 73.59% |
| Liquid assets / assets | 29.95% (p44 of band) | |
| Uninsured deposits / deposits | 22.93% (p62 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.60% (p48 of band) | 11.76% |
| Unrealized securities loss / equity | -23.86% (p19 of band) | -6.57% |
| AOCI / equity | -0.99% (p28 of band) | |
| ROA (annualized) | 1.14% (p49 of band) | 1.17% |
| Net interest margin | 4.99% (p90 of band) | 3.93% |
| Efficiency ratio | 70.09% (p60 of band) | |
| Noncurrent loans | 3.38% (p94 of band) | 0.36% |
| Net charge-offs (annualized) | 0.16% (p91 of band) | |
| Reserve coverage of noncurrent | 40.01% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 63.12% (p85 of band) | |
| Auto loans | $3.0M (1.97% of loans; DQ 2.43%, NCO 0.03%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 0.4% | |
| Employees | 58 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | losing money, expense ratio p90, charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 6 | noncurrent p90 |  |
| 2011-09 | 4 |  | charge-offs p90, noncurrent p90 |
| 2011-12 | 4 |  |  |
| 2012-03 | 7 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2012-06 | 7 | noncurrent p90 | construction >100% equity |
| 2012-09 | 4 | construction >100% equity | deposits shrinking, assets shrinking, uninsured deposits leaving, noncurrent p90 |
| 2012-12 | 3 |  | construction >100% equity |
| 2013-03 | 2 | deposits shrinking, assets shrinking | losing money, expense ratio p90, reserve under noncurrent |
| 2013-06 | 2 |  |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 0 |  | deposits shrinking, assets shrinking |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | reserve under noncurrent |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 | charge-offs p90 | reserve under noncurrent |
| 2015-09 | 2 | construction >100% equity |  |
| 2015-12 | 1 | capital falling | charge-offs p90, construction >100% equity |
| 2016-03 | 0 |  | capital falling |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | reserve under noncurrent |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | charge-offs p90 |  |
| 2021-06 | 1 |  | charge-offs p90 |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 | charge-offs p90 | reserve under noncurrent |
| 2022-03 | 2 | construction >100% equity |  |
| 2022-06 | 3 | AOCI drag >20% of equity, securities losses >30% of equity | charge-offs p90 |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 1 |  | construction >100% equity, AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 3 | noncurrent p90, reserve under noncurrent |  |
| 2024-09 | 2 |  | securities losses >30% of equity |
| 2024-12 | 4 | capital falling, securities losses >30% of equity |  |
| 2025-03 | 3 |  | capital falling |
| 2025-06 | 4 | charge-offs p90 |  |
| 2025-09 | 2 |  | securities losses >30% of equity, charge-offs p90 |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |
| 2026-06 | 3 | charge-offs p90 |  |

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

- 2022-04-06 [James Blalock Obituary - Arlington, VA - Dignity Memorial](https://news.google.com/rss/articles/CBMihAFBVV95cUxPc1BVdnpzSmRFMThfdEQ0WGxiRHZmOUFMRlRZUXVOcE9LeWhnNFY3aXlsTW5RVTZyUjhKWVlSU0VYeFBQUy1JeGFLNE9xVWdlTjlsc0NuZHJhM1hObXltVTVlVXBfYzR4LVR1dVVILXJXaXpKQURXUUhKUkgtMDNKU181QUo?oc=5) · Dignity Memorial
- 2024-12-08 [SOSU to honor three Distinguished Alumni at Homecoming - North Texas e-News](https://news.google.com/rss/articles/CBMijgFBVV95cUxQZ1pJUW9UMWpNSUdGbzlkVG5tYjRYTElIWWFiRG9FcVVMak5PWDJHakxjSVBkUEFuaUZOeG1tODJVNTNoRG9kMmNIRjFmMExDWE15SU9ZeVRZR2lQS1FkRUNtUWdOM2RlSWVmTk10RktrTWlHcUlFczNFQ2Z5cE8yN0ZPVVlaMEFubVdPUEJn?oc=5) · North Texas e-News
- 2026-07-31 [James Dan Batchelor Obituary Jul 31, 2026 - Smith & Kernke Funeral Homes & Crematory](https://news.google.com/rss/articles/CBMibkFVX3lxTE9pVWY0aXhZYlBCZ0ljT3J6ZGR5UE5iZmxKQ08zU0JqUU9UUl9fWXRvUmhoN1BKTFZUalg0WUQzNTFiM1l5ZmtHdU1keDh2SEFnN3VHX2cya3NZcWRvQUhPLWxmRmkyaHdmbzR4OUxR?oc=5) · Smith &amp; Kernke Funeral Homes &amp; Crematory
- 2015-05-16 [John Williamson Obituary (2015) - Durant, OK - legacy.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxPcGN1RXRiN3hVNElCVUU1RnRRT3hhMUVqU0diSGEyV3JjMzhtcjVCUnVyY2l3V1lodm16WUtSR2hjdl9UUGdxMXBsTGczQzAxTW96OGJrUzdKNDZOMlRHdHZRTGRIWDF6ZjBKTGQxYVFjNWVGSEN3emlMWFp5RzdHbElSLVo?oc=5) · legacy.com
- 2025-05-31 [Magnolia Festival of Oklahoma returns to Choctaw Event Center – May 29-31, 2025 - North Texas e-News](https://news.google.com/rss/articles/CBMibkFVX3lxTFBIVUtXYkRGMS1nTVdQazFqZGUzbTNfZTYwNlJMaVhNS0FOaFVoazJKS2VfaWtsUXhwamlISVhYQVp3YTM1eVdtVzFpUWFfTldPdWNLMm1MaTExRU9PcjVqTkpWV2JnZk8tNFpiYnFB?oc=5) · North Texas e-News
- 2011-04-03 [Southeastern students work with local elementary school students - North Texas e-News](https://news.google.com/rss/articles/CBMibEFVX3lxTE5zaFF1ZnVWOHlpSjk0NFVDZ0x2NzFhb3VxVVM0UHE2TEk0QTRPOXBmdHVQbDJfeWVKalVrTHJnZlpxcW1lazA0Z1dtdzE1Wm84THA4R21DLUoxUjJFb3hCbW9PeUpwdU9nMVNLcQ?oc=5) · North Texas e-News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=13905 (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/17.json (key "13905", 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