# FIRST AMERICAN BANK
STONEWALL, OK · FDIC certificate 15762 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (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 | $34.3M | |
| Deposits | $29.5M | |
| Loans and leases | $21.7M | |
| Total equity | $4.6M | |
| Loans / deposits | 71.84% (p47 of band) | 73.59% |
| Liquid assets / assets | 34.89% (p55 of band) | |
| Uninsured deposits / deposits | 19.47% (p49 of band) | 19.81% |
| Brokered deposits | 4.37% | |
| Wholesale funding | 4.37% (p70 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.06% (p64 of band) | 11.76% |
| Unrealized securities loss / equity | -0.37% (p85 of band) | -6.57% |
| AOCI / equity | 0.00% (p78 of band) | |
| ROA (annualized) | 1.57% (p71 of band) | 1.17% |
| Net interest margin | 5.12% (p92 of band) | 3.93% |
| Efficiency ratio | 69.23% (p58 of band) | |
| Noncurrent loans | 0.67% (p62 of band) | 0.36% |
| Net charge-offs (annualized) | -0.06% (p4 of band) | |
| Reserve coverage of noncurrent | 313.10% | |
| Real estate % of loans | 50% | |
| Construction % of loans | 0.11% (p18 of band) | |
| Auto loans | $903,000 (4.17% of loans; DQ 0.66%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -7.5% | |
| Employees | 9 | |

## Flags firing in the latest filing

- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | reserve under noncurrent |  |
| 2011-09 | 0 |  | reserve under noncurrent |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | reserve under noncurrent |  |
| 2014-03 | 1 | capital falling | reserve under noncurrent |
| 2014-06 | 1 | reserve under noncurrent | capital falling |
| 2014-09 | 1 |  |  |
| 2014-12 | 0 |  | reserve under noncurrent |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 1 | reserve under noncurrent | capital falling |
| 2015-09 | 1 |  |  |
| 2015-12 | 2 | uninsured deposits leaving |  |
| 2016-03 | 1 |  | uninsured deposits leaving |
| 2016-06 | 1 |  |  |
| 2016-09 | 0 |  | reserve under noncurrent |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | charge-offs p90 |  |
| 2017-06 | 1 | capital falling | charge-offs p90 |
| 2017-09 | 0 |  | capital falling |
| 2017-12 | 1 | charge-offs p90 |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 2 | deposits shrinking, assets shrinking | charge-offs p90 |
| 2018-09 | 1 | reserve under noncurrent | deposits shrinking, assets shrinking |
| 2018-12 | 2 | charge-offs p90 |  |
| 2019-03 | 1 | capital falling | reserve under noncurrent, charge-offs p90 |
| 2019-06 | 0 |  | capital falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | reserve under noncurrent |  |
| 2020-06 | 4 | capital falling, noncurrent p90, uninsured deposits leaving |  |
| 2020-09 | 1 |  | capital falling, noncurrent p90, uninsured deposits leaving |
| 2020-12 | 3 | noncurrent p90, uninsured deposits leaving |  |
| 2021-03 | 2 |  | uninsured deposits leaving |
| 2021-06 | 1 | capital falling | reserve under noncurrent, noncurrent p90 |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 0 |  | capital falling |
| 2022-12 | 0 |  |  |
| 2023-03 | 1 | charge-offs p90 |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 0 |  | charge-offs p90 |
| 2025-06 | 1 | capital falling |  |
| 2025-09 | 0 |  | capital falling |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 2 | deposits shrinking, assets shrinking |  |

## 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=15762 (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/18.json (key "15762", 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