# FIRST NATIONAL BANK
IDABEL, OK · FDIC certificate 15616 · asset band <$300M · latest filing 2011-06 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (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 | $79.9M | |
| Deposits | $68.3M | |
| Loans and leases | $35.7M | |
| Total equity | $11.0M | |
| Loans / deposits | 51.01% (p16 of band) | 71.80% |
| Liquid assets / assets | 48.67% (p80 of band) | |
| Uninsured deposits / deposits | 6.82% (p44 of band) | 7.92% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.51% (p37 of band) | |
| FHLB advances / assets | 0.51% | |
| Tier 1 leverage | 10.89% (p65 of band) | 9.80% |
| Unrealized securities loss / equity | 0.32% (p21 of band) | 2.62% |
| AOCI / equity | 0.10% (p26 of band) | |
| ROA (annualized) | 0.72% (p52 of band) | 0.68% |
| Net interest margin | 2.81% (p8 of band) | 3.84% |
| Efficiency ratio | 66.47% (p32 of band) | |
| Noncurrent loans | 0.21% (p18 of band) | 1.53% |
| Net charge-offs (annualized) | 0.00% (p14 of band) | |
| Reserve coverage of noncurrent | 1144.59% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 8.13% (p34 of band) | |
| Auto loans | $12,000 (0.03% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | – | |
| Employees | 19 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |

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

- 2026-09-04 [First National Bank of Oklahoma raises $24,000 for local animal organization - Ponca City Now](https://news.google.com/rss/articles/CBMirwFBVV95cUxOWDFmYTRjLXRWTFdfRUtiT2x1ZkZUal9VZktVb2J3dnVLRHFFRGNFTEoyaDltcm9uN0wxNFdnaV93a2dUNUhXcFpLYkRESjZORXpNa3hCcU50YjBxODNiSURkTUhYVUlsZkREeUdOOG1zZGpRWTdmR1NYY0R2dFR1T29nTXc3VWlUUnpjamw4LUNCQWdEMEl6ZE9CNU9nOXd3OE02VU1RSUh3R2xFT3o4?oc=5) · Ponca City Now
- 2026-07-01 [Sovereign Bank acquires First National Bank in Marlow - Duncan Banner](https://news.google.com/rss/articles/CBMi2gFBVV95cUxNaXREcWlfeElobHRTbk1wNHBtd3dUZXFsWTdLd2ZEbG5DYkhLWTdCU3ZTaURPYnJLeXVpWmp1RFJTSHJ2ZTNXdXl3OFdGNjd6OV9tbVRXWWlxdnpVUUxBd2VzN2NRenJueGFGQkxhUnNfYm1oMnllRE9YcGk4TEJ2ZWhCXzJSdFl5RUZRbmxBcWxLZDVFNUEtOExUTnN3QjFfbWtaVndaNERnVVNKdG9xUExoNS1mVnJyZ0ttY0VCZmFySE5rRDRwWGV3RkM1aU56aUFLbGlLUjdvdw?oc=5) · Duncan Banner
- 2026-05-08 [Failed Oklahoma bank’s ex-CEO pleads guilty to bank fraud - Banking Dive](https://news.google.com/rss/articles/CBMimgFBVV95cUxQX0syVmhISmY3cWlqQ2REUTB5Rjc5SzlpdUo3clNJQ19zWjJBcVVxNEItSU5ZWm1OaU80cDV6NVJFNndIb1lCV3NvM1BvVXRZWFpCSk8zSmZJbVJYM1Vlcld0VGFPcWFlVTlCRi1za1RKbWdobGhiWHAtOFo1UHRVdFJOdFlZZFBhS29jZWFydlQyWG1NUnRLX0pB?oc=5) · Banking Dive
- 2026-06-25 [Sovereign Bank acquires Marlow bank | News | swoknews.com - The Lawton Constitution](https://news.google.com/rss/articles/CBMitgFBVV95cUxOWHRKdDQ5N0luMHZzZHhhYXdpZGI2b2lnLXBaNzlnZXVDbG9yeC1CMnkxOUtqeFpVdTRUNWNfSVR4VU5neEI0eGd4T0RCVWM4Q09sblR1UWxWMWJtc2phNTN1b2p6OEh6ZWlMY1J4Z1RzVVRUZDh4dzhpZjNYQjJXVVdQSG5jaThDVGgya2VaQVNTUk16V0lLNEhrWllUdmR3SC1GYWJwUHluanU1Y3ZSa18xeW8zQQ?oc=5) · The Lawton Constitution
- 2026-07-08 [Officials release details on suspect arrested in Fairland Bank robbery - FourStatesHomepage.com](https://news.google.com/rss/articles/CBMimwFBVV95cUxPMVVhYXBwVWdNM2NVenlzM2p3a3lqQ05XVkN2bWJKS0haUE1pdUJISU9ialJueUtYdkVxYmc3QV9FMVN1Tk4yclM5OGpuaVFuUVFrQ0tHNUJKUmFubzI5c0sxU3hBVUxpdGlHYU1qVUFaRGxvYnRrb2FqMXluZ0hCN0kxM1Q1YWVJRlZDZG8teTF2dE1JLVY1STNZRdIBoAFBVV95cUxNeUQwUHJiUGFvVWYzVEdBX2dKWVBwNWJhLWVzYkVQU2VwOVAwSHI3OFIwRzlBNXhBM1lYU256dGh2dFN1V0xscUI0VGJOaGZXalBjRm5FLVIweWtLTG9PTHVLcHkyRmxjTE12X0doZ2tNNkQ5a2JPV0JtaHJKb1pLSUoxeUx0WG5EbWpqX3lSelVyanV2Y2hlcGUxR1dId0M2?oc=5) · FourStatesHomepage.com
- 2026-07-01 [Danny Seibel, Cody Cordell plead guilty in Lindsay bank fraud case, Shaun Christian charges pending - NonDoc Media](https://news.google.com/rss/articles/CBMixwFBVV95cUxOTlhnbmpYWDdxYmdfb2JVR1pnbmxmSGw0bWVTS1lYUGlnWU5GRVRmUnJDeXNiS0JnWTZYVmxDeko5N0E0Yzh2SUhwQy15SlVuUGdaczI3RmxENWVMY3l3N1VnTTdFaVJhNHdkU3ViRC1jZG9JYlN3NlRkcmpQcUgwVkV3c3BadXJlcUNKS2VjTXlJdlpSTTJBZ1kxbFhUby1OaTlBa2ZvZ2tsLTVtRDFzal9hX184S0hKTGhuODhybHVVVlNoWk00?oc=5) · NonDoc Media
- 2026-05-08 [Former President and CEO of failed Oklahoma bank pleads guilty to fraud - KOKH](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQNkktMEJyZ3dmc3IxR0Q0enlUWFBEb25xZGkwZUt2anBFbTNqdFhrSXpZZkVMRzBwUGZKUUNSWGxXdjR6N2ZxdWlvbnY1dGhIOVZ4SXdNdm04QURRbGt4QWlYZzBnYjhyVzAwRXk0QU1NaVY2SVpTOXJENFhhVFBMRFViZlZvclJSSWpzRkVaUW0wcTlIbEhXeVVTbl9WaWtPQlh1NnlGR1NqZw?oc=5) · KOKH
- 2025-10-31 [First National Bank of Oklahoma earns Regional Housing Champion Award - journalrecord.com](https://news.google.com/rss/articles/CBMihwFBVV95cUxNcDd5clZsaWFFaWdmVHdCM3BUd3VYblNOUzRmT2lhc0pjR010aGdiRm8yeVlBQ21yQTZqV0JIcnZtMVl3TzdjVnRzWkpmSnZIRUxUSmZwZU5qMlFfS2NyRk1FUjhXQVpaLWdRalQ3YU5CakRVd0ppcDNqc2xtak96OWJqVkNDbFk?oc=5) · journalrecord.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15616 (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 "15616", 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