# FIRSTAR BANK
SALLISAW, OK · FDIC certificate 19288 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. 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 | $1.24B | |
| Deposits | $1.09B | |
| Loans and leases | $847.4M | |
| Total equity | $135.7M | |
| Loans / deposits | 76.87% (p26 of band) | 87.10% |
| Liquid assets / assets | 25.59% (p66 of band) | |
| Uninsured deposits / deposits | 31.90% (p53 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.20% (p16 of band) | |
| FHLB advances / assets | 0.20% | |
| Tier 1 leverage | 9.03% (p13 of band) | 10.50% |
| Unrealized securities loss / equity | -6.00% (p59 of band) | -7.75% |
| AOCI / equity | -0.36% (p45 of band) | |
| ROA (annualized) | 1.58% (p73 of band) | 1.26% |
| Net interest margin | 4.93% (p94 of band) | 3.70% |
| Efficiency ratio | 57.72% (p45 of band) | |
| Noncurrent loans | 0.68% (p61 of band) | 0.51% |
| Net charge-offs (annualized) | 0.03% (p54 of band) | |
| Reserve coverage of noncurrent | 145.54% | |
| Real estate % of loans | 75% | |
| Construction % of loans | 95.10% (p86 of band) | |
| Auto loans | $5.7M (0.67% of loans; DQ 1.19%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 12.1% | |
| Employees | 212 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## 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 | 1 | construction >100% equity |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 2 | capital falling |  |
| 2014-06 | 3 | charge-offs p90 |  |
| 2014-09 | 2 |  | capital falling |
| 2014-12 | 2 |  |  |
| 2015-03 | 1 |  | charge-offs p90 |
| 2015-06 | 2 | reserve under noncurrent |  |
| 2015-09 | 2 | capital falling | reserve under noncurrent |
| 2015-12 | 2 |  |  |
| 2016-03 | 1 |  | capital falling |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | capital falling |  |
| 2017-03 | 1 |  | capital falling |
| 2017-06 | 1 |  |  |
| 2017-09 | 3 | capital falling, charge-offs p90 |  |
| 2017-12 | 3 | liquid assets <10% | capital falling |
| 2018-03 | 1 |  | charge-offs p90, liquid assets <10% |
| 2018-06 | 2 | liquid assets <10% |  |
| 2018-09 | 1 |  | liquid assets <10% |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 2 | capital falling |  |
| 2019-09 | 2 | liquid assets <10% | capital falling |
| 2019-12 | 2 | reserve under noncurrent | liquid assets <10% |
| 2020-03 | 1 |  | reserve under noncurrent |
| 2020-06 | 2 | charge-offs p90 |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 1 |  | charge-offs p90 |
| 2021-03 | 1 |  |  |
| 2021-06 | 2 | charge-offs p90 |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 1 |  | charge-offs p90 |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 2 | capital falling |  |
| 2023-06 | 3 | losing money, expense ratio p90 | capital falling |
| 2023-09 | 2 |  | losing money |
| 2023-12 | 1 |  | expense ratio p90 |
| 2024-03 | 1 |  |  |
| 2024-06 | 2 | capital falling |  |
| 2024-09 | 1 |  | capital falling |
| 2024-12 | 2 | liquid assets <10% |  |
| 2025-03 | 1 |  | liquid assets <10% |
| 2025-06 | 2 | deposits shrinking |  |
| 2025-09 | 1 |  | deposits shrinking |
| 2025-12 | 0 |  | construction >100% equity |
| 2026-03 | 2 | capital falling, construction >100% equity |  |
| 2026-06 | 1 |  | construction >100% equity |

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

- 2021-03-11 [First Bank Corp. acquires Central National Bank of Poteau - Talk Business & Politics](https://news.google.com/rss/articles/CBMilAFBVV95cUxPZ1BEMWVqTE1HdWdlYnE4d2xVbS1zd05jZlNVdTlBQ0FSbjh6bmt0cWdkX0lTb09WdWxnaVdhSVVVMmpzWUNNcjVaWnNJYmhVSzVQLTJjc2Vtd0JGR2w3a0JJS0sxU0FMWDR5cDJ6X184aWZyTXlnRlRVeHRTRGYwVlFHdGkxMnBsbUthdHF0ZFNQaXN5?oc=5) · Talk Business &amp; Politics
- 2019-08-15 [Firstar to acquire Fort Gibson bank as branch - journalrecord.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNU18yQmtxdEVxS2QzN2xoWXZSSkVVVGczMF9xQ25XQ3pSZlRGQzhSa096SzZxVmQ1YnpQLXdMMnp1bTRzWEVLMDVwWWRHai1yX2ZCQmotS004OEZHWWJlZWhjeFdwbXhLZXRDRkdtUGx2ZlEtQnhfTF9HeC1YQzZSYVYzRk5PUktMWHM4?oc=5) · journalrecord.com
- 2013-11-04 [2 Oklahoma Banks Enter Arkansas - Arkansas Business](https://news.google.com/rss/articles/CBMie0FVX3lxTE9uNE5ERl9TamJDUDlQOHU2RjByU0tMbEZkZk9GWEU5UE1RTHMzdmNvcWZQSDlKb2lxVnFielI0TkFEZnR3eDJZVzQ3amxBSmRXOElib3JhZkE4ZjV6VlRxSnFsM0Y0ZDNZX3VUcWhWRllFM2xVanRGdDU0NA?oc=5) · Arkansas Business
- 2019-08-02 [Hern restructures campaign loan from bank he founded - The Oklahoman](https://news.google.com/rss/articles/CBMivgFBVV95cUxNblJfcXUwQlhXR1kzVDBxOEdHdmZlMG1OakFnUUtqZFkzWTAzTUtXS1pNVkhsaXJQOURLNHEyalRmaVNoSUZpNnp2UjBqTW1VYlBoOGpLbzhpVmdScENzN0RONUl6Rk11MUVUWmY2d1ZEMXlHZHlYaTdvdVlzVWlXWXlNbk5NdkNGMUUzemxRdXFEbDdRWlprSUdGSVlOQVkwWmpCYVRKQ2lLTDdONFZTQ19CajR3QVFhMTRWNF9n?oc=5) · The Oklahoman
- 2019-05-12 [Financial: Ryan Yates, FIRSTAR BANK - tulsaworld.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxPMUc4U3hmcGhxVFVJdmFIekNKM0l0cHk1VE1YcjJYRE1nTTBvWlc2WHRPel9QeHpqZkhDc2hlUGJqTlpfZmtaRURmNVJMT2V6M2d5a29UdjF3bDlBQTh4RlBmLS1MWGljSmdDc3FjZ3luT1RJZTRCYzdaVzFteTZQUDNKWnQyZXdZRUZaU2Q0bWVHc0dWSU8wNDl1SjY?oc=5) · tulsaworld.com
- 2019-05-10 [Former Tulsa banking official, OU player sentenced for fraud scheme - KTUL](https://news.google.com/rss/articles/CBMimgFBVV95cUxOOTh2OEJ1NlF4Y1MyVV91YTM3UUdydGRfQXItaWtUc09RMGtWd2tWTHNpa3ROMGFjMG5EaTBLMW90TWM5dDlHZkI4ekQyQm50Z2NVZmEtQ0owUC00LUh3M0M3NDNnOWZDYlRHS0djcUhIaXdhSF80alk3LW5iZWVjdjJDOFZhMEtGQWdLTTVPdk0zMDFLRkFMajVB?oc=5) · KTUL
- 2022-06-28 [Ex-loan officer banned from banking - southwestledger.news](https://news.google.com/rss/articles/CBMid0FVX3lxTE1mUjJpX1pVRFZGUEtiazBGaXE3a3M2WjRwY05UOEpkZThXaEd0SHhwMkRGbVNSZG5Xcnd2SEkwSjVoaG92SE1JMEwzV1RoSG1sVWRsNEdtekp5SWpJTVNnNmJiVjIzbXhFMHZfWEFnNm5PVnd0Nlh3?oc=5) · southwestledger.news
- 2024-05-14 [Business People: Chris Rector, Firstar Bank - tulsaworld.com](https://news.google.com/rss/articles/CBMizwFBVV95cUxPV3BTaWJuRzZwcDNRTzdadjFMbEJsaUhXbjRGdWdadWVYSEFsa2ZnRkpkTURUUWgyLV9hZTI1N001TXc1b0hscnVIMzNBT0l2U0pnLU9MT3NjMkhNczFWRkJnT0NoQUszUk4ta0dHMW5pcVpONERLOWFLVFlDQXVtQXA3ajJYMF9jcFJGMWhvSTJXUFppV2pkR1BJZjdabERjNjM3cFJ2aGxIcEVpUTA3THNFVkMybW9LWFRickxhTi0xb0swVlI5TlQ2cmJiR00?oc=5) · tulsaworld.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=19288 (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/24.json (key "19288", 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