# OSAGE FEDERAL BANK
PAWHUSKA, OK · FDIC certificate 28356 · asset band <$300M · latest filing 2012-09 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (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 | $150.5M | |
| Deposits | $112.9M | |
| Loans and leases | $81.2M | |
| Total equity | $20.8M | |
| Loans / deposits | 71.39% (p54 of band) | 69.20% |
| Liquid assets / assets | 40.85% (p62 of band) | |
| Uninsured deposits / deposits | 13.41% (p74 of band) | 8.50% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 10.34% (p85 of band) | |
| FHLB advances / assets | 10.34% | |
| Tier 1 leverage | 13.19% (p81 of band) | 10.13% |
| Unrealized securities loss / equity | 4.71% (p57 of band) | 3.81% |
| AOCI / equity | 0.98% (p68 of band) | |
| ROA (annualized) | 0.35% (p24 of band) | 0.80% |
| Net interest margin | 3.20% (p21 of band) | 3.77% |
| Efficiency ratio | 79.11% (p64 of band) | |
| Noncurrent loans | 0.19% (p20 of band) | 1.27% |
| Net charge-offs (annualized) | 0.01% (p31 of band) | |
| Reserve coverage of noncurrent | 384.97% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 27.74% (p66 of band) | |
| Auto loans | $4.5M (5.59% of loans; DQ 0.66%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -5.1% | |
| Employees | 37 | |

## Flags firing in the latest filing

- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | securities losses >30% of equity, reserve under noncurrent |  |
| 2011-06 | 1 |  | reserve under noncurrent |
| 2011-09 | 1 |  |  |
| 2011-12 | 2 | reserve under noncurrent |  |
| 2012-03 | 2 | uninsured deposits leaving | securities losses >30% of equity |
| 2012-06 | 2 |  |  |
| 2012-09 | 3 | deposits shrinking, assets shrinking | reserve under noncurrent |

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

- 2014-10-15 [American Heritage buys FNB - Pawhuska Journal Capital](https://news.google.com/rss/articles/CBMiogFBVV95cUxQN2pWbm91UGFVakk4LUNKakFwSUJtQlhvUEdUT2ZuckZldEt4NExjMVhZMjdKTTZlNlhOb2ZfM3pqRjI0MTNxMDJ2Y1EzQ3pRNktIaGZubXVCei1SNlFIMmpwcDlaSmVaeHFhc0k1aDVPQ2lqM1Nkcm1yZ3k0dVRJSExRQVdaekV3RkhLSFFobjRfUDVnSjJpdHhUem9kQkFKOXc?oc=5) · Pawhuska Journal Capital
- 2011-07-27 [ON Election Board shreds 2010 runoff election ballots - Osage News](https://news.google.com/rss/articles/CBMiggFBVV95cUxOQXo5NFFOMWFNSU9nTDZ5S251ei13UlA1cWJyRS1Ca2pjMGpaRGY0Zl9rZTRtbExUaVJrTlJ3WVpLRjdQME9MN1FuRmlpVEMwUlNid1ZGaDl1SjZvUl94REFmeG0zcnpyTWRaTG5vYW9BR0J2SzRIRGdYeFUyUmhLZTBR0gGCAUFVX3lxTE5Bejk0UU4xYU1JT2dMNnlLbnV6LXdSUDVxYnJFLUJramMwalpEZjRmX2tlNG1sTFRpUmtOUndZWktGN1AwT0w3UW5GaWlUQzBSU2J3VkZoOXVKNm9SX3hEQWZ4bTNyenJNZFpMbm9hb0FHQnZLNEhEZ1h4VTJSaEtlMFE?oc=5) · Osage News
- 2011-06-20 [ON Election Board destroys ballots from the June 2010 general election - Osage News](https://news.google.com/rss/articles/CBMimAFBVV95cUxQQ1ZWZmZDWTJNck5MTVhneHA4VkYzVTRVdzNhRzNzRDk1OGpCb1JjUHNzZjVPRExPYVpnSjU3SE0xUEJmNjlVZkVITWVPS0MySno2OTVIbmtDLWRhZUgxZ3JlbGxDYkdIcko4NF9leDNELVpZUzcyc1NYRE1aT3lOOXBsUThBa0JTR3RTYXNnaHU4M1JFbTVIU9IBmAFBVV95cUxQQ1ZWZmZDWTJNck5MTVhneHA4VkYzVTRVdzNhRzNzRDk1OGpCb1JjUHNzZjVPRExPYVpnSjU3SE0xUEJmNjlVZkVITWVPS0MySno2OTVIbmtDLWRhZUgxZ3JlbGxDYkdIcko4NF9leDNELVpZUzcyc1NYRE1aT3lOOXBsUThBa0JTR3RTYXNnaHU4M1JFbTVIUw?oc=5) · Osage News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=28356 (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/4.json (key "28356", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide