# TULSA NATIONAL BANK
TULSA, OK · FDIC certificate 25806 · asset band <$300M · latest filing 2013-06 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $148.8M | |
| Deposits | $127.9M | |
| Loans and leases | $84.7M | |
| Total equity | $18.8M | |
| Loans / deposits | 64.68% (p43 of band) | 68.67% |
| Liquid assets / assets | 41.75% (p63 of band) | |
| Uninsured deposits / deposits | 20.61% (p83 of band) | 11.61% |
| Brokered deposits | 2.78% | |
| Wholesale funding | 4.12% (p64 of band) | |
| FHLB advances / assets | 1.34% | |
| Tier 1 leverage | 12.68% (p78 of band) | 10.18% |
| Unrealized securities loss / equity | -0.91% (p40 of band) | -0.21% |
| AOCI / equity | -5.16% (p32 of band) | |
| ROA (annualized) | 1.09% (p71 of band) | 0.77% |
| Net interest margin | 3.24% (p31 of band) | 3.59% |
| Efficiency ratio | 68.59% (p37 of band) | |
| Noncurrent loans | 3.14% (p80 of band) | 1.13% |
| Net charge-offs (annualized) | 0.44% (p88 of band) | |
| Reserve coverage of noncurrent | 74.19% | |
| Real estate % of loans | 83% | |
| Construction % of loans | 32.06% (p69 of band) | |
| Auto loans | $320,000 (0.38% of loans; DQ 5.62%, NCO 0.03%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -0.6% | |
| Employees | 28 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 1 |  | charge-offs p90 |
| 2011-09 | 3 | noncurrent p90, charge-offs p90 |  |
| 2011-12 | 3 |  |  |
| 2012-03 | 3 |  |  |
| 2012-06 | 5 | deposits shrinking, assets shrinking |  |
| 2012-09 | 2 |  | noncurrent p90, deposits shrinking, assets shrinking |
| 2012-12 | 4 | capital falling, assets shrinking |  |
| 2013-03 | 3 | deposits shrinking | charge-offs p90, capital falling |
| 2013-06 | 2 |  | deposits shrinking |

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

- 2018-05-29 [Roger Paul Marshall Obituary May 29, 2018 - Moore Funeral Home | Tulsa, OK](https://news.google.com/rss/articles/CBMiZEFVX3lxTE04T3c1MmYtNmVvYlMwbTZrLWs2a3BoRE91UkNFcXVacVRBVFVzb2xqSlRRdS13Uy1UOGRCOVctVlM5WXpUTFhKMDA3TU1kaHRLNU9Oc21GcFJqRnk3Z2FodDBOT0M?oc=5) · Moore Funeral Home | Tulsa, OK
- 2007-02-25 [William Mahan Obituary (2007) - Tulsa, OK - Tulsa World - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxONUpHdTNsUlI5R1d6QlhiR3c4dk1pcGtnMzRSR0lxZVp0dXFra3EzQ3p6bU1JX2VtZkFRU25GNlZCRFFaS2I4d0I0MERMTXVBWUpmUDdGZEFCZmlwZTVvaDk1ZzJEUk1mZlJHdUFoT2hyeVhJc0dHWXFJY0RjSmdUQzZ5eVRpT0R5TXNTLUZvbVE?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=25806 (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/14.json (key "25806", 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