# FORT GIBSON STATE BANK
FORT GIBSON, OK · FDIC certificate 21090 · asset band <$300M · latest filing 2019-09 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 5 (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 | $66.9M | |
| Deposits | $59.5M | |
| Loans and leases | $38.4M | |
| Total equity | $7.2M | |
| Loans / deposits | 64.47% (p29 of band) | 77.79% |
| Liquid assets / assets | 33.51% (p59 of band) | |
| Uninsured deposits / deposits | 16.62% (p53 of band) | 15.94% |
| Brokered deposits | 1.99% | |
| Wholesale funding | 1.99% (p55 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 7.63% (p2 of band) | 11.56% |
| Unrealized securities loss / equity | 0.03% (p23 of band) | 0.80% |
| AOCI / equity | -0.25% (p0 of band) | |
| ROA (annualized) | -0.05% (p5 of band) | 1.05% |
| Net interest margin | 0.12% (p0 of band) | 3.84% |
| Efficiency ratio | 140.00% (p98 of band) | |
| Noncurrent loans | 3.69% (p95 of band) | 0.56% |
| Net charge-offs (annualized) | 0.00% (p33 of band) | |
| Reserve coverage of noncurrent | 0.00% | |
| Real estate % of loans | 73% | |
| Construction % of loans | 43.05% (p76 of band) | |
| Auto loans | $3.6M (9.27% of loans; DQ 6.49%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -0.5% | |
| Employees | 15 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## 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 | 1 | uninsured deposits leaving |  |
| 2012-06 | 2 | auto book souring |  |
| 2012-09 | 2 | leverage <7% | uninsured deposits leaving |
| 2012-12 | 2 | capital falling | auto book souring |
| 2013-03 | 1 |  | capital falling |
| 2013-06 | 1 |  |  |
| 2013-09 | 2 | securities losses >30% of equity |  |
| 2013-12 | 2 | AOCI drag >20% of equity | leverage <7% |
| 2014-03 | 2 | leverage <7% | AOCI drag >20% of equity |
| 2014-06 | 2 | capital falling | securities losses >30% of equity |
| 2014-09 | 1 |  | capital falling |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 2 | construction >100% equity |  |
| 2016-03 | 0 |  | leverage <7%, construction >100% equity |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | uninsured deposits leaving |  |
| 2016-12 | 3 | deposits shrinking, assets shrinking |  |
| 2017-03 | 0 |  | uninsured deposits leaving, deposits shrinking, assets shrinking |
| 2017-06 | 1 | capital falling |  |
| 2017-09 | 0 |  | capital falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | capital falling |  |
| 2018-09 | 9 | leverage <7%, leverage <5%, losing money, expense ratio p90, noncurrent p90, reserve under noncurrent, construction >100% equity |  |
| 2018-12 | 8 |  | capital falling |
| 2019-03 | 11 | NIM <2.5%, charge-offs p90, deposits shrinking, assets shrinking, uninsured deposits leaving | expense ratio p90, reserve under noncurrent |
| 2019-06 | 11 | reserve under noncurrent | NIM <2.5% |
| 2019-09 | 5 | expense ratio p90, NIM <2.5% | leverage <7%, leverage <5%, construction >100% equity, charge-offs p90, deposits shrinking, assets shrinking, uninsured deposits leaving |

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

- 2022-06-28 [Ex-loan officer banned from banking - southwestledger.news](https://news.google.com/rss/articles/CBMid0FVX3lxTE1mUjJpX1pVRFZGUEtiazBGaXE3a3M2WjRwY05UOEpkZThXaEd0SHhwMkRGbVNSZG5Xcnd2SEkwSjVoaG92SE1JMEwzV1RoSG1sVWRsNEdtekp5SWpJTVNnNmJiVjIzbXhFMHZfWEFnNm5PVnd0Nlh3?oc=5) · southwestledger.news
- 2026-05-24 [Melba Jean McDaniel Obituary (2026) - Fort Gibson, OK - Clifford D Garrett Family Funeral Home - Fort Gibson - legacy.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxOU2NsclhVT2RONUV3bnczQ2JoQ2p3SkRJVWxJMmFMNnljTmtkVkRUSVE1SS1iZzBTUWp1UFJ2b1NUdmNYQV8xbUJ2OWxRQ2VOWV9jdFQ3R1YtYWxYZldsRGphX2dyRjdfRXU0Tm1nZmIxZXpoWHRZakMxalFCanhsNDhTaw?oc=5) · legacy.com
- 2019-08-15 [Firstar to acquire Fort Gibson bank as branch - journalrecord.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNU18yQmtxdEVxS2QzN2xoWXZSSkVVVGczMF9xQ25XQ3pSZlRGQzhSa096SzZxVmQ1YnpQLXdMMnp1bTRzWEVLMDVwWWRHai1yX2ZCQmotS004OEZHWWJlZWhjeFdwbXhLZXRDRkdtUGx2ZlEtQnhfTF9HeC1YQzZSYVYzRk5PUktMWHM4?oc=5) · journalrecord.com
- 2020-02-25 [The Community State Bank takes great pleasure in announcing the following promotions. - OKW News](https://news.google.com/rss/articles/CBMiugFBVV95cUxNUTE2LWpvbHZsRVhvbURWcnZQc3RXbWN0bHpMaTluRjJSR3E3NG5ydmsyTjNCdHhpOHY3SWlyTWRuQi1VTERkdjNZVXhJRUtmczEwUVplTFlRZ0IxMTJzSXVUR2xJQ0J3d3pKWFM3T0RNM1QzWV9RVWpCT1hfbkRPa2U5WkhYYkZDUGtiUXpXUWRneE83NEh2U0EyaVpqZTNxbU5fZWNaNWp1OGlQRHMwUnlUdWl6MHUyUUE?oc=5) · OKW News
- 2025-11-06 [Bonnie Ballard Obituary (2025) - Tahlequah, OK - Green Country Funeral Home - legacy.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxQMUtmX2g2UTY3eFlTeWgzaDdTQXFsMFEySC16dy02dWgwVl9qR0poUW1wMXAzeVdiTWpwQXJKOUphNVhpNUp6d3ZBekJlN0VzNlkxZjNsRUNLSTRlMVRZX2tRV0UzOFlfTExXWDktQTM1WHgzTHNvckZUazUtd3E0aktnWQ?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=21090 (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/34.json (key "21090", 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