# LAKESIDE STATE BANK
OOLOGAH, OK · FDIC certificate 22217 · asset band <$300M · latest filing 2021-09 · 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 | $79.3M | |
| Deposits | $69.1M | |
| Loans and leases | $22.9M | |
| Total equity | $10.1M | |
| Loans / deposits | 33.12% (p10 of band) | 63.26% |
| Liquid assets / assets | 60.01% (p82 of band) | |
| Uninsured deposits / deposits | 11.93% (p22 of band) | 18.86% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p24 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 7.08% (p3 of band) | 10.61% |
| Unrealized securities loss / equity | -0.08% (p24 of band) | 0.71% |
| AOCI / equity | -0.09% (p77 of band) | |
| ROA (annualized) | -0.51% (p3 of band) | 1.03% |
| Net interest margin | 2.26% (p11 of band) | 3.29% |
| Efficiency ratio | 111.83% (p97 of band) | |
| Noncurrent loans | 0.87% (p71 of band) | 0.32% |
| Net charge-offs (annualized) | 0.00% (p47 of band) | |
| Reserve coverage of noncurrent | 34.00% | |
| Real estate % of loans | 62% | |
| Construction % of loans | 14.15% (p49 of band) | |
| Auto loans | $2.3M (9.84% of loans; DQ 1.46%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 3.8% | |
| Employees | 22 | |

## Flags firing in the latest filing

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

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 0 |  | reserve under noncurrent |
| 2012-03 | 1 | uninsured deposits leaving |  |
| 2012-06 | 0 |  | uninsured deposits leaving |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 2 | reserve under noncurrent, auto book souring |  |
| 2013-09 | 2 | AOCI drag >20% of equity | auto book souring |
| 2013-12 | 2 |  |  |
| 2014-03 | 1 |  | AOCI drag >20% of equity |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 | auto book souring | reserve under noncurrent |
| 2014-12 | 1 |  |  |
| 2015-03 | 3 | capital falling, uninsured deposits leaving |  |
| 2015-06 | 2 |  | auto book souring |
| 2015-09 | 0 |  | capital falling, uninsured deposits leaving |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | reserve under noncurrent |  |
| 2016-06 | 0 |  | reserve under noncurrent |
| 2016-09 | 1 | capital falling |  |
| 2016-12 | 2 | reserve under noncurrent |  |
| 2017-03 | 1 |  | reserve under noncurrent |
| 2017-06 | 2 | uninsured deposits leaving |  |
| 2017-09 | 0 |  | capital falling, uninsured deposits leaving |
| 2017-12 | 1 | wholesale funding >15% |  |
| 2018-03 | 1 | capital falling | wholesale funding >15% |
| 2018-06 | 0 |  | capital falling |
| 2018-09 | 4 | wholesale funding >15%, AOCI drag >20% of equity, securities losses >30% of equity, uninsured deposits leaving |  |
| 2018-12 | 3 | capital falling | AOCI drag >20% of equity, securities losses >30% of equity |
| 2019-03 | 3 | losing money, expense ratio p90, charge-offs p90 | wholesale funding >15%, uninsured deposits leaving, capital falling |
| 2019-06 | 3 | assets shrinking | charge-offs p90 |
| 2019-09 | 2 |  | losing money |
| 2019-12 | 1 |  | expense ratio p90 |
| 2020-03 | 1 | uninsured deposits leaving | assets shrinking |
| 2020-06 | 2 | capital falling, expense ratio p90 | uninsured deposits leaving |
| 2020-09 | 3 | losing money, reserve under noncurrent | capital falling |
| 2020-12 | 3 | NIM <2.5%, noncurrent p90 | expense ratio p90, losing money |
| 2021-03 | 5 | losing money, expense ratio p90 |  |
| 2021-06 | 4 |  | noncurrent p90 |
| 2021-09 | 5 | capital falling |  |

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

- 2025-03-26 [Four US banks sign for DCI’s iCore360 core banking tech - FinTech Futures](https://news.google.com/rss/articles/CBMirwFBVV95cUxQVnA2QmRNQ3ExZnBKX09yd0FkT3dIYVp0VWpOMW1LTU1LTm9TUjZvdF8tNjB1NTNMVnR2RFBZZC13cXFhQTF1WlMyZXFwYTMxTjQ5S2JKd3RiQkVZbG5qMGZNY0hjTDZwMHItbjBfdUc3Z0hhRWVORHVsczg0LU1Sd2JjMjlsRjQyRnFKZnhnV3VudHhIU0p0a1JFbUlKTV9hdDl0Uk9CV3BzNDE3dDA4?oc=5) · FinTech Futures
- 2025-10-21 [Linda L. Kolman Obituary (2025) - Collinsville, OK - Collinsville Dolton Funeral Home - Collinsville - legacy.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxQQTZEUm9hQVlhbm84ZjlrLUJuT04zdU1uclFhdV9JY1ZPczlZZXVhZGpWaFlGNFNmbmEzT2tOWUVPeTNyMm44M0JZU3JzN2ZzX1VYWHc3b2t5cDZQSnhkbTFNdHRFMlBQQndtSTF3UGt5NHpJX1JTRTRlbUtaQ0ViVA?oc=5) · legacy.com
- 2010-03-24 [Oologah Student Stricken With Meningitis To Have Multiple Amputations - News On 6](https://news.google.com/rss/articles/CBMiwgFBVV95cUxOQVcwcXRPSU5WMGt1M0lxeHQ3c0NFY1ZwRERxem9PZlU4TGVZaW9Qa2xDR3VmYjQzU19scS14WC1SSUJGQVJfNFhLQUsxdDVrbU1vRDdycjh4Wk5WaUJtRmtxb2swbVlzeE5vV05tSmhERHBESnVOdzJCR2MzQ1YyR2VIbWdCNnUxSzl1RjRRbEUwbVZNNWtxWWhKRXROVnljclU5aXB6TGs0U3R1ZFR0b1JPckZhdjVPSGZ3YjR6SU5YUQ?oc=5) · News On 6
- 2021-06-08 [James Stauffer Obituary (1953 - 2021) - Tulsa, OK - Tulsa World - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxQbjhEYUJCUENXdmlhZ1U4bUtQOEZRbXk4RGdIUVk1N1ZSc01CSFUwMzZOeS1rUS1kRVdPY3pZMHNiWEhNZXoySzZxUHE5WDFSdjc3WDRPbEMwSHBmRVdNWG9HR2tSX3hIcElaQW9DN1ZlUDNuQnpnbDVYRXdHYmZyUDZSNXdselJJTy1WcXpLR0oxZw?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=22217 (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/9.json (key "22217", 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