# OKLAHOMA STATE BANK
VINITA, OK · FDIC certificate 15611 · asset band <$300M · latest filing 2021-09 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. 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 | $203.0M | |
| Deposits | $183.7M | |
| Loans and leases | $125.5M | |
| Total equity | $16.3M | |
| Loans / deposits | 67.05% (p58 of band) | 63.26% |
| Liquid assets / assets | 35.26% (p35 of band) | |
| Uninsured deposits / deposits | 15.27% (p35 of band) | 18.86% |
| Brokered deposits | 1.54% | |
| Wholesale funding | 2.90% (p69 of band) | |
| FHLB advances / assets | 1.35% | |
| Tier 1 leverage | 6.69% (p2 of band) | 10.61% |
| Unrealized securities loss / equity | 3.24% (p78 of band) | 0.71% |
| AOCI / equity | -0.54% (p62 of band) | |
| ROA (annualized) | 0.92% (p42 of band) | 1.03% |
| Net interest margin | 3.46% (p58 of band) | 3.29% |
| Efficiency ratio | 76.56% (p70 of band) | |
| Noncurrent loans | 0.04% (p28 of band) | 0.32% |
| Net charge-offs (annualized) | -0.01% (p25 of band) | |
| Reserve coverage of noncurrent | 4380.77% | |
| Real estate % of loans | 70% | |
| Construction % of loans | 41.56% (p78 of band) | |
| Auto loans | $2.4M (1.91% of loans; DQ 1.42%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 1.2% | |
| Employees | 36 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)

## 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 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | charge-offs p90 |  |
| 2013-03 | 0 |  | charge-offs p90 |
| 2013-06 | 0 |  |  |
| 2013-09 | 1 | reserve under noncurrent |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 0 |  | reserve under noncurrent |
| 2014-09 | 0 |  |  |
| 2014-12 | 2 | capital falling, uninsured deposits leaving |  |
| 2015-03 | 0 |  | capital falling, uninsured deposits leaving |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | capital falling |  |
| 2015-12 | 2 | noncurrent p90, reserve under noncurrent | capital falling |
| 2016-03 | 2 |  |  |
| 2016-06 | 1 |  | noncurrent p90 |
| 2016-09 | 2 | capital falling |  |
| 2016-12 | 1 |  | capital falling |
| 2017-03 | 0 |  | reserve under noncurrent |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | liquid assets <10% |  |
| 2018-03 | 2 | brokered >10%, charge-offs p90 | liquid assets <10% |
| 2018-06 | 0 |  | brokered >10%, charge-offs p90 |
| 2018-09 | 1 | construction >100% equity |  |
| 2018-12 | 0 |  | construction >100% equity |
| 2019-03 | 1 | charge-offs p90 |  |
| 2019-06 | 2 | deposits shrinking, uninsured deposits leaving | charge-offs p90 |
| 2019-09 | 2 |  |  |
| 2019-12 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 1 | capital falling |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | leverage <7% |  |

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

- 2023-09-18 [Introducing Prism Bank - Oklahoma State Bank Unveils New Brand - PR Newswire](https://news.google.com/rss/articles/CBMiugFBVV95cUxNdVBjY2VkWmk3c2JrSk9NUnlUcENmakd0a045TTBJRlMyRURhTE45d0RjQ0dQelJiY1p0bDd0TkV3SmpqMmVNZ2p2NDF5a0lWNmJPMXBKaHNMbE9IdFdTWmdkSHVEcXB0eTRyT3hqRzd6NWxhR2o4NVg0TURvbGZzZl82MmJGbi1vR2RaazlHSnV3UlMyb3ktMFlGNDVrVGJjTmZsUzFpOVVEeDQ4eUozVlN5dXNtVWZ4QVE?oc=5) · PR Newswire
- 2024-09-20 [Oklahoma State inks on-field sponsor deal with BOK - Sports Business Journal](https://news.google.com/rss/articles/CBMisAFBVV95cUxQTjVELURicW1WLUJmZFdXNUFhTzZhSHZWQlE0bWxzbkRVekpRY1h3U3V0emdSQ2JsT2ktU1Y0NWJBNGlSeWZRaU9wRHRqOEhPRDZ1UnEzMGJ0MnVuWkRpcDlEUndqV3pYZmdpRFNPV0FTU2ZkejVxRTdTMmJGSUllLUt5MGpMUE5KdkI4YUYyaFFIajl1WHFsbXBxV0hBVTBQZE5mSlRTLXFDc1B1bHhmeQ?oc=5) · Sports Business Journal
- 2026-04-30 [Celine Brazle Obituary Dec 3, 2014 - Miles Funeral Service](https://news.google.com/rss/articles/CBMiXEFVX3lxTFBOUmxBa0NoTmlqS0hhdmZpMHlNVzlIb19feG9ld3UzcmFyX08wZkhSbUpHbEZhZVJzXzZzaFBHMmZZeG45bzZfVmRvOFhBdTVrQ2JYdkpmLUUzcmJX?oc=5) · Miles Funeral Service
- 2024-10-15 [Sherry Kay (Walters) Fagala Obituary Oct 15, 2024 - Shaw Funeral Home | Vici, OK](https://news.google.com/rss/articles/CBMickFVX3lxTE5HMjdUS05oejhRd3oydHVqeUdHbjJqeUtlSFp0bmRmQ3F1MWp1ams2dEstRlVpNWl1R3hJM2ZoR0VCdk83c0x1YkUyOVBaVFlCS1NMZmhscnRIeFZkWHJtZWMwM2NybUtDZ3p0OFhjRk5Mdw?oc=5) · Shaw Funeral Home | Vici, OK
- 2019-10-06 [Oklahoma business people for Oct. 6, 2019 - The Oklahoman](https://news.google.com/rss/articles/CBMipwFBVV95cUxNN0gyaWhlSERHQUhkMmxWRlE1QkZITElBTjZEUFJ2SkM5Y1pvLTVlQlNLaGE2dW5JS3luQTJLXzNtbllQMGs1YTAyN09FZkZGNnRWQ1lvX21PSGp5QnRJX0FUR1FJOU5TUUs3V2szRHU5R3d3TTRzVVJKZ0VtQV80d2o2czRuYzJ0MHNfR1I4anJQMkViMXZ5QWlqSDlIOG5zZ2R5Z0hvaw?oc=5) · The Oklahoman
- 2026-02-12 [Straw-Owner, Diversion Enterprise Shut Down in OK - CRB Monitor News](https://news.google.com/rss/articles/CBMijgFBVV95cUxNTGJ6X1dNbXJ6NzlOUUw5cGUyZTc5OXlGeE81cnR6SGpqbWdlcnFja19WQV9wZE1TdHRyTmVEd3huYmdacG1CbTJESVhpSDZHTERQX0hCUDZTU2pwYTlYUjJYMFRhSWc2WlFpN2JjXzJLNWdlLWxoNW1KNnY1eEVTbWlNUXB4YjZQWWQxRDdB?oc=5) · CRB Monitor News
- 2025-06-05 [Melvin Thomas Workman Obituary (2025) - Vinita, OK - Luginbuel Funeral Home - Vinita - legacy.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxOdkhIZE50X1FpYVExQkdyMU12cjlEZ19XU2FNWlRsaXFjdUcxcGJQTnNoUWN4cC1OTjRoRG0wSG9VQ2tubXlnSU5uMUdsX2FyaGpZbFBtMGpZOG1HRl9CN2xQb2RrbmFuX05XWmttazA4YVZ5OVpOdUlnazVWNWNIUEtBOA?oc=5) · legacy.com
- 1985-01-09 [Banker Shoots, Kills Gunman - The Oklahoman](https://news.google.com/rss/articles/CBMikAFBVV95cUxQTTJkTzEwclhxangxTFNjUEFvdTRPYnRBblRwSzlWNjZ1c3JyLWZPbjNVWUljUXhJa3VjWWNmVFF4YkNhOXRRMW5ob3dGekhUSjFrM01fcWhrXzNha0JSZFV6cFhhZnVYTGlHZW4zbHNZcGRZNUMzZUpWMkRmNTI1OHJSX08xdGpmdG50VC1PRnU?oc=5) · The Oklahoman

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15611 (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 "15611", 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