# FIRST BANK OF OWASSO
OWASSO, OK · FDIC certificate 18592 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. 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 | $639.3M | |
| Deposits | $538.7M | |
| Loans and leases | $493.0M | |
| Total equity | $99.3M | |
| Loans / deposits | 90.26% (p71 of band) | 82.04% |
| Liquid assets / assets | 21.52% (p37 of band) | |
| Uninsured deposits / deposits | 30.77% (p69 of band) | 25.97% |
| Brokered deposits | 2.59% | |
| Wholesale funding | 2.59% (p45 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 15.67% (p92 of band) | 10.81% |
| Unrealized securities loss / equity | -2.03% (p79 of band) | -8.10% |
| AOCI / equity | -0.23% (p57 of band) | |
| ROA (annualized) | 2.80% (p97 of band) | 1.28% |
| Net interest margin | 4.84% (p91 of band) | 3.91% |
| Efficiency ratio | 45.80% (p11 of band) | |
| Noncurrent loans | 0.01% (p12 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p29 of band) | |
| Reserve coverage of noncurrent | 9952.94% | |
| Real estate % of loans | 96% | |
| Construction % of loans | 31.86% (p39 of band) | |
| Auto loans | $327,000 (0.07% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 7.8% | |
| Employees | 80 | |

## Flags firing in the latest filing

- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | liquid assets <10% |  |
| 2011-06 | 2 | reserve under noncurrent |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 1 |  | reserve under noncurrent |
| 2012-03 | 0 |  | liquid assets <10% |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | capital falling |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | deposits shrinking |  |
| 2014-03 | 0 |  | deposits shrinking |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | capital falling |  |
| 2015-09 | 0 |  | capital falling |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | loans exceed deposits |  |
| 2017-03 | 1 | liquid assets <10% | loans exceed deposits |
| 2017-06 | 3 | loans exceed deposits, capital falling |  |
| 2017-09 | 4 | wholesale funding >15% |  |
| 2017-12 | 5 | brokered >10% |  |
| 2018-03 | 4 |  | wholesale funding >15% |
| 2018-06 | 3 |  | loans exceed deposits |
| 2018-09 | 3 |  |  |
| 2018-12 | 2 |  | capital falling |
| 2019-03 | 1 |  | liquid assets <10% |
| 2019-06 | 1 |  |  |
| 2019-09 | 2 | liquid assets <10% |  |
| 2019-12 | 3 | loans exceed deposits |  |
| 2020-03 | 1 |  | brokered >10%, loans exceed deposits |
| 2020-06 | 3 | uninsured deposits >50%, capital falling, run vulnerability | liquid assets <10% |
| 2020-09 | 1 |  | uninsured deposits >50%, run vulnerability |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 1 | uninsured deposits >50% |  |
| 2021-06 | 2 | capital falling |  |
| 2021-09 | 0 |  | uninsured deposits >50%, capital falling |
| 2021-12 | 1 | uninsured deposits >50% |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 0 |  | uninsured deposits >50% |
| 2022-12 | 2 | deposits shrinking, assets shrinking |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 0 |  | deposits shrinking, assets shrinking |
| 2024-12 | 0 |  |  |
| 2025-03 | 1 | uninsured deposits >50% |  |
| 2025-06 | 1 | capital falling | uninsured deposits >50% |
| 2025-09 | 0 |  | capital falling |
| 2025-12 | 1 | uninsured deposits leaving |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

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

- 2026-08-18 [Owasso Police looking for suspect is alleged identity theft incident at bank - fox23.com](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQWVhrV0xvR0VvcGNEM2hXLUlLelpGbHpVUjZOR3JWdzFEZjIxelc4VWQwcERKd3QwWTlaSWs2S1lzUWFZelRmS2JPeEt2V0pDcEdvWExSdkJKXzF6WXB4OTFJNC10b24xem9Bc2Z3aEJmeEdPNTFjMGRBcXh3SVM4c2cteEIxZVpFRklBRFEzVThNRmhIZ3ZGeEdPMmhjc3oyd1lhNUJfU08?oc=5) · fox23.com
- 2026-08-18 [Owasso police seek help identifying alleged fraud suspect - News On 6](https://news.google.com/rss/articles/CBMikAFBVV95cUxNYXNydG90bE5GWnlMMEVibUZoQ09zWmQ1eUVldEdWWl9jMVhDbF9ZY1M2clNtRm9ZUkd4TTNXR2Q2UEhSYWhmQV9PTkN0OEZucjZFcHkzRTk1UWlxemFUcGZ0ZUdVV2ZiNTBKSXhlV0R3QVB3SFZKdmNRM0dDVWRra3dOWnZMenQtVWRRdk03UUc?oc=5) · News On 6
- 2026-04-20 [Ladonna Pinkstaff Obituary Jan 16, 2013 - Emmons Macey and Steffey Funeral Home](https://news.google.com/rss/articles/CBMicEFVX3lxTFBrWjE2VXJ2SGF1Rl9nRHZMZ0ZHWm53M0Jnb2ZvMkhLWnFnNTdrakV5OFFVNzBwSXl6eGYxNlJ3SmhsVzdvQjlCZEpsOWVpcEZpTFFKSmVibTVhNU5oNFZFcE9HV25MZHp1ZmdrV0RTSTE?oc=5) · Emmons Macey and Steffey Funeral Home
- 2026-02-25 [Former Owasso FFA Alumni Association treasurer charged with embezzlement - KRMG](https://news.google.com/rss/articles/CBMiowFBVV95cUxNQ0dIbzJXWHBKZ3F6NHpEaVdJSDIwV2JYRjl1ckJOUC1aa29XSUxCcER4YTF0cy1GdXJTZzVzV3lhbEJxVmxvVExRaTJtY1c5R0pJRGxOZkh0WU5tMWUtejl0QVZYUDBUMXYwTS1KbzlDTXAydWRXc3lfMXczQk90WS16bTlDMmRUczhQVVBoT25ObTdKUzJONmRrM25Tby1BRXRJ?oc=5) · KRMG
- 2026-03-26 [Oklahoma man arrested for allegedly robbing child walking to school - KTUL](https://news.google.com/rss/articles/CBMiuAFBVV95cUxNVTdtODVUajNTQ1o1Ump6eUZ2NU9qUXFZbmFLNXhnaFp5VEk4c3M3SXFqeVZjb1lEeTJkOEZXVTdHVF9qa3NjdUZybHVoOTh6ejBQNjhwVDhsdDh3ZVFUZFNtOXc2SmNVemNyTjlWOXVfNmZQcjdxaFNDMjRrSlVkLTlWMmJzMFM4dEZhdDVMQTN3ODJkOXhoTDkxbkNpNXlfaHZrZE8yUlZtZ2ctaGIwSVZuVGZoN0hs?oc=5) · KTUL
- 2026-03-11 [Bernice May Huggins Obituary Oct 14, 2021 - Moore Funeral Home | Tulsa, OK](https://news.google.com/rss/articles/CBMiZkFVX3lxTE1sUDhvUWpDcG9BQW9mZUVqWV96ZEhuYU9sbXB6a1BMRVg3eERpeHZRRkRVZVVpSW5SM05EenF3RUtaZk5DU3dtckI4b2pISFBtdVRKYk1Qa0pQMWxlMlJOdlhORjUtZw?oc=5) · Moore Funeral Home | Tulsa, OK
- 2026-04-27 [Cherokee Nation Foundation awards over $540,000 in scholarships - fox23.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxNQk5MT1d3WWJ5cHMxWXRlUW5qV2ZjdHYwY3V2RWdNTTJ2S0lWQmlya1M5NTg1bW5oLVhJWTd3Sm80ZHpPTEoxSVJkalhNbU9RNlRvQkxLb0JTLU9qYWNSYjlXU3YyMmJnQ2pZemY4aEtVRk1NWExmVUpQVVZIRElkYjMydG9oUjAyQm5GdHdudGNwYzh4?oc=5) · fox23.com
- 2025-02-24 [Edna Mae Griffin's Obituary, Visitation & Funeral Information - floralhaven.com](https://news.google.com/rss/articles/CBMib0FVX3lxTE5zYXVnMFNYQTRVNkxXYllLNE1rb1ZPNEpZdTg4YWFwTXFkMm04a2xucEtXV19memotcW05VjNPOUZ0Z1dVQVUtNjN4M3pOa1VSZGxnQlBuWUduckxfSUpDaldEYTF3YktvbWJzbFVzaw?oc=5) · floralhaven.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=18592 (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/32.json (key "18592", 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