# 1ST BANK OKLAHOMA
CLAREMORE, OK · FDIC certificate 31826 · asset band <$300M · latest filing 2011-12 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $189.1M | |
| Deposits | $158.0M | |
| Loans and leases | $108.3M | |
| Total equity | $19.3M | |
| Loans / deposits | 68.45% (p46 of band) | 70.28% |
| Liquid assets / assets | 35.11% (p53 of band) | |
| Uninsured deposits / deposits | 10.23% (p61 of band) | 8.25% |
| Brokered deposits | 2.64% | |
| Wholesale funding | 8.60% (p78 of band) | |
| FHLB advances / assets | 1.59% | |
| Tier 1 leverage | 8.54% (p24 of band) | 9.92% |
| Unrealized securities loss / equity | 1.78% (p38 of band) | 3.23% |
| AOCI / equity | -0.45% (p7 of band) | |
| ROA (annualized) | 0.36% (p30 of band) | 0.69% |
| Net interest margin | 1.47% (p2 of band) | 3.86% |
| Efficiency ratio | 70.98% (p44 of band) | |
| Noncurrent loans | 2.88% (p72 of band) | 1.38% |
| Net charge-offs (annualized) | 0.01% (p21 of band) | |
| Reserve coverage of noncurrent | 3.43% | |
| Real estate % of loans | 83% | |
| Construction % of loans | 59.68% (p84 of band) | |
| Auto loans | $3.8M (3.50% of loans; DQ 0.63%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | – | |
| Employees | 66 | |

## Flags firing in the latest filing

- **NIM <2.5%** (`earn_nim`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | brokered >10%, wholesale funding >15% |  |
| 2011-06 | 0 |  | brokered >10%, wholesale funding >15% |
| 2011-09 | 3 | NIM <2.5%, noncurrent p90, reserve under noncurrent |  |
| 2011-12 | 2 |  | noncurrent p90 |

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

- 2011-04-07 [BancFirst acquires 1st Bank Oklahoma - journalrecord.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxOWnItUjNiNDB6Z04wNGZqYzVEQTVzMDhHLVJBYVV1eUJTNWVrSnFFZWlvZTZRemliMXpKaGhtemVlbEJ5cTk1X19Wc0lhblNQdUZzMkFPT1NMbXM2N19QbnNraVZUQXRTZmg3ejVza0tVX0xJUWs5VjFoU3RUUi1EQVRXXy1uX0JkWlE?oc=5) · journalrecord.com
- 2011-04-07 [1st Bank acquired by BancFirst - Claremore Daily Progress](https://news.google.com/rss/articles/CBMiygFBVV95cUxNcVN4c1lTLWZTYTlyRmVuNjIzYXY2dHU3QkxXMVEzUnY1blpVOGRCZDJDN2NyeEdHaGI5VXloSnl4MVBBNW1fbG92c08wbS15R1g3R04tZ282bXYzRXdIVmExM0JTRjk4dFI4cEZCeXVlT2lnR0J1cnVMMG9falNQQmI0WmZkTW1sM0hUekI3UnpUanZYOEpKVTBPTjVjdEE3Vlk1bkQ3TXVEeXlYMVphb2NRdW9zOW9TX1dDOExIbW5FZEVxSUpiaTFn?oc=5) · Claremore Daily Progress
- 2007-11-03 [Out of business - Claremore Daily Progress](https://news.google.com/rss/articles/CBMitgFBVV95cUxPaWRpV3FfeGM1dkRkTTlkMnNSbTdUWmZRZEpCaDhoa01GclRnMkItajBjaFJmWWJQX0JGaW9UeXhQYnpnaWJjNXJFYXVzMkpVU2pySXUwT29YS0VJSVRPRGZuUUpfU1B6WWJMbW5CUUhNcmZ6OHBtdTBrWkM0bXcxM2lTZmczeXBqbU5LV0hIdC1famRLcjZTUUs5SnhFMVZFVmExQVFheFNPVmJwNHNCMTJxTWtSdw?oc=5) · Claremore Daily Progress

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=31826 (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/18.json (key "31826", 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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