# FIRSTBANK
ANTLERS, OK · FDIC certificate 14331 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 (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 | $684.3M | |
| Deposits | $598.3M | |
| Loans and leases | $413.9M | |
| Total equity | $80.1M | |
| Loans / deposits | 68.28% (p22 of band) | 82.04% |
| Liquid assets / assets | 34.07% (p73 of band) | |
| Uninsured deposits / deposits | 24.82% (p45 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.19% (p27 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.81% (p50 of band) | 10.81% |
| Unrealized securities loss / equity | -1.42% (p83 of band) | -8.10% |
| AOCI / equity | -0.68% (p34 of band) | |
| ROA (annualized) | 1.03% (p34 of band) | 1.28% |
| Net interest margin | 5.23% (p96 of band) | 3.91% |
| Efficiency ratio | 73.57% (p80 of band) | |
| Noncurrent loans | 0.82% (p67 of band) | 0.43% |
| Net charge-offs (annualized) | 0.08% (p81 of band) | |
| Reserve coverage of noncurrent | 157.59% | |
| Real estate % of loans | 74% | |
| Construction % of loans | 46.52% (p53 of band) | |
| Auto loans | $20.2M (4.89% of loans; DQ 3.26%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 7.7% | |
| Employees | 171 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 1 | capital falling |  |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 1 | uninsured deposits leaving |  |
| 2013-03 | 1 | liquid assets <10% | uninsured deposits leaving |
| 2013-06 | 1 |  |  |
| 2013-09 | 2 | capital falling |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 | loans exceed deposits | capital falling |
| 2014-12 | 0 |  | liquid assets <10%, loans exceed deposits |
| 2015-03 | 1 | charge-offs p90 |  |
| 2015-06 | 2 | liquid assets <10% |  |
| 2015-09 | 3 | loans exceed deposits |  |
| 2015-12 | 3 |  |  |
| 2016-03 | 1 |  | liquid assets <10%, loans exceed deposits |
| 2016-06 | 3 | liquid assets <10%, capital falling |  |
| 2016-09 | 2 |  | capital falling |
| 2016-12 | 1 |  | liquid assets <10% |
| 2017-03 | 2 | uninsured deposits leaving |  |
| 2017-06 | 1 |  | uninsured deposits leaving |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 0 |  | charge-offs p90 |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | charge-offs p90 |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 2 | liquid assets <10% |  |
| 2019-12 | 0 |  | charge-offs p90, liquid assets <10% |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | charge-offs p90 |  |
| 2022-06 | 1 | capital falling | charge-offs p90 |
| 2022-09 | 0 |  | capital falling |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2023-09 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2023-12 | 0 |  |  |
| 2024-03 | 2 | capital falling, charge-offs p90 |  |
| 2024-06 | 0 |  | capital falling, charge-offs p90 |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | capital falling |  |
| 2026-06 | 1 |  |  |

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

- 2025-12-14 [PNC Gets Regulatory OK to Acquire FirstBank - PYMNTS.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxNbEluUmw1bElWRnR0SlN5WllETVhVRGhNM3pnQm50VkEzeFhwVDE0a2tVcE40UUJXVGdkc2xrbkQxNFpmSEI4a21SM1AydFNxekgtUWlMTTFrOEE5OWpicVhjWWNfTVROZTBiTTJwSnM4SFF0cGgyNjlSTmZFSEd5REtVX0tMbmFaOHQ2NDVB?oc=5) · PYMNTS.com
- 2026-08-25 [Lowe holds District 1 County seat; Clayton to face Mayo for District 3 - Oklahoma City Free Press](https://news.google.com/rss/articles/CBMimwFBVV95cUxNV0VkLUkyOUxEeEhEbEVVTnFOVl9sV3YwTUpDLV9iVnpwVlplTzRUNk1WT1YteVBjSjdPb3lLbVY2aXNiUGRBcjZYajMzd1R2cGNCUXk5ZTdyV1h6SUhYOUljYm4zT01BQmpseV96LXJ4d0x2SFE0akRkOGVmNWxWTzFQeWxETU1sZ3BLanluT2h1Ri1hYzM2a0NCbw?oc=5) · Oklahoma City Free Press
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2026-04-26 [PNC Financial Services Group Shareholders OK 4 Proposals as CEO Touts “Strongest Year” and FirstBank Plans - Yahoo Finance](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNTjFhYUlUbk5uU0hLakZWeVZzOThZQjIzUlNRbDV0dFc5YkgzSU16TjdfWWdHVS03TkxKZXdiQkwzeGVNVEdtOEx1TVRIV28xMU13UTdaQURuOWpxb2pnUVQ5d2JqZGFSbEJoQ216cWVSRzhQWWNxanN3RlBZQWhjWnRJSlN1TUppdWlKWjNSWWdVdEhqb2pjX0JHQ3ZqaVhXSl9YWmxldXJ2Zw?oc=5) · Yahoo Finance
- 2026-08-25 [Clayton wins GOP nomination for Oklahoma County District 3 Commissioner - The Oklahoman](https://news.google.com/rss/articles/CBMi_AFBVV95cUxQazdVeW5JT1VmaldZVDlFeTRoZ1VsSk9tYnp6LVl2UnBWZEhpSTVuSFFlaG5YaGUxdmVQWG50X1NMSGREVzNQc0paWTVDVi00Z2RSUmNvMDlvNVN0NVVFT0o4SE9oOW4zQ1N0Z0NJTXQ3ODF3ZG1oekpfOXdYM0lXMTZ5YW9kQTRuSDM2bG1FYk1CRmt0eGR3RXlic2lfZDNSUVFocFJScmtFS0lxLTR1UEhHbENVVkpfQkFHWnlMNEhGMkFmd0ExVzljc2JfX2praC10NFd1MGlhc21jMGhJU1JZZU5TM3lZNzltY0R5YnBDZkYzUU9DcGlJTmY?oc=5) · The Oklahoman
- 2020-11-18 [Native American-Owned Banks by State - Investopedia](https://news.google.com/rss/articles/CBMifkFVX3lxTE9MQVNiajFseGo2LW5UQVNLbzVEbHdCM1Jlekl3TDI0MnZuTWNuRDhMc1h6Nnc1STA4NU1jUnlFLXJ4NEs4Nm5pdG05UC1JYUhZRVljcnl0a1YyWUVnZzhQNkRSOXU2TVQwTmJRbWwwOUNkQ01EOE9SaDBzNTR1dw?oc=5) · Investopedia
- 2024-06-18 [Native American-Owned Banks and Credit Unions - NerdWallet](https://news.google.com/rss/articles/CBMiowFBVV95cUxOVkpYMnRXLXVURmF4UFZIMEZkWHBWYl9HZ25QZDREeXEyczZ5di1fYVVfSy03ck9FdTJRZWhrQk1UOUJSelh4Vkc4b0tPdzlmQWlzRm5wc1ZGMk93ekV6eE1YbVJvaC1GZ0Y3V3hNbDk4M2hHZzFOWVZLYVQtNUQwblV2UjlWTk5WRi13OEtzNFIzMVNrdXI3RUNQbTItMk9RTmJr?oc=5) · NerdWallet
- 2022-06-08 [FirstBank Southwest celebrates 115 years with the Amarillo community - Amarillo Globe-News](https://news.google.com/rss/articles/CBMiwgFBVV95cUxPa0xsZmU0NkJNbjNzYkI4WUFaZEpOaFVNSFFSQ08wVVpTNFg2MzBvMTlzazZCam9YcDVqMFVYbW5jTktDeTlHWk5zdlZVMFdDTVBjQmtfaHZwMXpDMzdab2xTSEVLeUM3dVFub19RMktvRTN2U1p6b1RBQ3Y2aWNEVmN2TUZuSTVoWXF2blFTTEtwWUZqRFZJR1YtaFhlZ0pRRS1ESUZET3NnWXhuV2JVbk1zekFOSzVpTXpsYllXY3JUUQ?oc=5) · Amarillo Globe-News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=14331 (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/59.json (key "14331", 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