# FIRST AMERICAN BANK
PURCELL, OK · FDIC certificate 15296 · asset band <$300M · latest filing 2014-12 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 4 (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 | $298.1M | |
| Deposits | $266.8M | |
| Loans and leases | $196.0M | |
| Total equity | $30.2M | |
| Loans / deposits | 72.61% (p52 of band) | 71.50% |
| Liquid assets / assets | 27.82% (p37 of band) | |
| Uninsured deposits / deposits | 14.61% (p57 of band) | 13.21% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.97% (p41 of band) | 10.45% |
| Unrealized securities loss / equity | 0.49% (p50 of band) | 0.49% |
| AOCI / equity | 0.73% (p40 of band) | |
| ROA (annualized) | 1.36% (p81 of band) | 0.81% |
| Net interest margin | 3.74% (p55 of band) | 3.66% |
| Efficiency ratio | 76.08% (p55 of band) | |
| Noncurrent loans | 0.40% (p36 of band) | 0.76% |
| Net charge-offs (annualized) | 0.00% (p31 of band) | |
| Reserve coverage of noncurrent | 282.30% | |
| Real estate % of loans | 80% | |
| Construction % of loans | 59.70% (p85 of band) | |
| Auto loans | $4.2M (2.13% of loans; DQ 1.08%, NCO 0.00%) | |
| Loans to nondepository financials | $1.4M (5% of equity) (p98 of band) | |
| Deposits YoY | -20.1% | |
| Employees | 109 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | capital falling |  |
| 2012-06 | 0 |  | reserve under noncurrent, capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | capital falling |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 2 | deposits shrinking, assets shrinking | capital falling |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 4 | capital falling, uninsured deposits leaving |  |

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

- 2023-12-22 [First American Bank (IL) Review | Review, Fees, Offerings - SmartAsset](https://news.google.com/rss/articles/CBMihgFBVV95cUxNSTdkZTM3OXo0eVotLVMtcDhxN2ZNUUpIVzExZWJ1dnNrR0xxNHd4WnM0RzhBemhGRFp0TVNjX1ZITndZWVJBNTRNR0NqcHFDbExzN0ZVYk1UUmtESnlydEhaNm94bWRsWHNLUVdqLU8tWF95MHRlc3VEeUZqb090WGVkNHpTdw?oc=5) · SmartAsset
- 2025-01-07 [Oklahoma banking pioneer dies at 95 - southwestledger.news](https://news.google.com/rss/articles/CBMifkFVX3lxTE44b0RyQ25WU2RlTXkxQmJidXVFOVUwSk16NU1Qaml3M0J2NzN6YTFwNmNVUWl0VUZNWlJ4R2IwQmVkLTZ5VnZWVzlTQ3dCYkxFY0ItdXBiSXBRZDBlem9RRUpNUEppZ2pLUkhMcWR1elNqdFM2RGZoOTRHeXJLQQ?oc=5) · southwestledger.news
- 2014-12-28 [First American Bank and First United closer to merging - Norman Transcript](https://news.google.com/rss/articles/CBMi2gFBVV95cUxPQ1otdzYwaUFtTFBJTVhuRmxNcEhyNUE2cHhKVVk1ZGtDcHlCenJzR0lpNWxSN3liWFA3UlFMYm9JUkNseFdQNFlhSXhqNFhFbHA4SEVZX3I4blp2MElnbWNfcEFpREl0V0dQV0daS185bklHRFFYZmpUc3gzWXdNN1BGNmd1R1V0Z1hGdWxpU2FvNFZWN3JSRnVSRzV2OVZfRFY1ZkQyQzRucGhWdVlQNEZ3UEdYb1l4X21CMTdZc0RFd3BEU2tfLVVseG9oakg4Z1lmUnRIbHVEQQ?oc=5) · Norman Transcript
- 2025-01-02 [Oklahoma banker and civic leader Gene Rainbolt dies at age 95 - KTUL](https://news.google.com/rss/articles/CBMiyAJBVV95cUxQVm14aHFvMjQwNDdoMl8yNkctcnZvYjBxdmhrLTdPa2VrZ2lLTG5mN3ZGYll0ck04LVZXNExtZkUzRTZ4M1FjaWNrZWdOZWdNT1dXblB2Z0ZyVlN5S2dockpBMzdYWFN5ZFNHOVZRNV9jcGRDSGYtY1dfZHVSaDhSSjQ3S2hKXzIyNWY0bkk2anBWdEpFSDNlOTVzQk92Rmt4Tk9zeDlNcGFmbkxMWm5LMnpyWEJTVUtWUW9FQUNySlVDdm1mcUVvOFpsS0JLYXBNT3VBaUdWSlBRSzh4N3VTUHB5dXhPTGRIbGVWajNXVk1hTndHYzU1YVdJWjdUYUpLYWpjOW9NNUthWWNMUkl2dkRySzJUUTN6YzNVdGdWaVdKU2w3cEk3b1lPYjRrWXhmRFVmeThpcFVDdFJWZnA1U3h5QVNEV18y?oc=5) · KTUL
- 2025-10-03 [Eulene Webster - View Obituary & Service Information - Wilson-Little Funeral Home](https://news.google.com/rss/articles/CBMiaEFVX3lxTE5zMzdKTjlyc3VlQ3F4MFFlNk1KaUtMam0wTk5MeWZyUVV1ckM4V2dRMVZNbG5UWmFBMHZRa3JNeWZGbVVnTU8wMFJDcmpDRnVtT0xHWW9LLUdlNG9yM29wdjVvaEFsTjdy?oc=5) · Wilson-Little Funeral Home
- 2009-08-23 [Norman banker carries on family tradition - The Oklahoman](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPMGF0aDk5WnJ4WGdmeFZIWGs2bHZMLTNVX3JLc2I5V3FxZVcxbVN3aktkaE5CRFJNYzQ2Zm5jbVFyeFhkVGdlcFRHZG96YllvOHhyVktkSENSV0ZFOXVwSU9EaVo3MjBJTDdaNVY0T1R0RVhBRHRCTFlqcGF5Q1ZTMU9iMkVqek9JclZ4ZFRscVFiWkFZb25OZTFSVWJyR25kaF9HbzMtSFFWUQ?oc=5) · The Oklahoman
- 2017-09-27 [Bill L. Wilson Obituary Sep 27, 2017 - Horan & McConaty Funeral Service and Cremation](https://news.google.com/rss/articles/CBMiXkFVX3lxTFBWc0dzTjBhdVV5XzZuYllBb2NsQndLeENBdllkalBrQzh2TDdGWTJTRDZfeDBFUkRpb1h3Qnhhc1htZkVGOHhwR1drSUxuci05cUU5VjJOT0VMbzlxdXc?oc=5) · Horan &amp; McConaty Funeral Service and Cremation
- 2017-08-17 [Heartland Data Breach Update: Thousands of Institutions Impacted - BankInfoSecurity](https://news.google.com/rss/articles/CBMiogFBVV95cUxNWVEyRWhPeVlpYXZaX19sN1VhVk5zZ1RJb2xUMlNFUmhWdnU2c1NxVXRJcVBxYTJXM0ptVjFreVRaQjJQNkdoQmFKWmQxU3ZNMU5ROGRsbVVreFdIeUhHMmEwSjdnaHVoaDd3ZmhWQmdDX1huU3UyeFlYakxsMW1DTEJEMmVsR3BLelpjd0xENjB1eFBqOXFFcFdtc1lqVE44YlE?oc=5) · BankInfoSecurity

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15296 (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/0.json (key "15296", 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