# GREAT PLAINS NATIONAL BANK
ELK CITY, OK · FDIC certificate 34207 · asset band $1-10B · latest filing 2026-06 · live

**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 | $1.93B | |
| Deposits | $1.71B | |
| Loans and leases | $1.65B | |
| Total equity | $193.5M | |
| Loans / deposits | 95.51% (p76 of band) | 87.10% |
| Liquid assets / assets | 10.05% (p6 of band) | |
| Uninsured deposits / deposits | 23.77% (p27 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p6 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.42% (p22 of band) | 10.50% |
| Unrealized securities loss / equity | -1.04% (p88 of band) | -7.75% |
| AOCI / equity | -0.54% (p33 of band) | |
| ROA (annualized) | 1.81% (p83 of band) | 1.26% |
| Net interest margin | 5.35% (p97 of band) | 3.70% |
| Efficiency ratio | 65.26% (p69 of band) | |
| Noncurrent loans | 1.33% (p81 of band) | 0.51% |
| Net charge-offs (annualized) | 0.32% (p91 of band) | |
| Reserve coverage of noncurrent | 87.77% | |
| Real estate % of loans | 68% | |
| Construction % of loans | 104.37% (p90 of band) | |
| Auto loans | $20.7M (1.25% of loans; DQ 0.82%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 4.2% | |
| Employees | 416 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## 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 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 1 | liquid assets <10% |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 0 |  | liquid assets <10% |
| 2013-06 | 2 | liquid assets <10%, reserve under noncurrent |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 4 | loans exceed deposits, wholesale funding >15% |  |
| 2014-03 | 1 |  | reserve under noncurrent, loans exceed deposits, wholesale funding >15% |
| 2014-06 | 3 | loans exceed deposits, construction >100% equity |  |
| 2014-09 | 3 |  |  |
| 2014-12 | 4 | wholesale funding >15% |  |
| 2015-03 | 4 |  |  |
| 2015-06 | 4 | capital falling | wholesale funding >15% |
| 2015-09 | 2 | assets shrinking | loans exceed deposits, construction >100% equity, capital falling |
| 2015-12 | 5 | construction >100% equity, deposits shrinking, uninsured deposits leaving |  |
| 2016-03 | 4 |  | uninsured deposits leaving |
| 2016-06 | 3 |  | construction >100% equity |
| 2016-09 | 5 | loans exceed deposits, charge-offs p90, construction >100% equity | assets shrinking |
| 2016-12 | 4 |  | charge-offs p90 |
| 2017-03 | 4 | brokered >10%, charge-offs p90 | deposits shrinking, construction >100% equity |
| 2017-06 | 4 | capital falling | brokered >10% |
| 2017-09 | 4 | wholesale funding >15% | capital falling |
| 2017-12 | 2 |  | charge-offs p90, wholesale funding >15% |
| 2018-03 | 3 | charge-offs p90 |  |
| 2018-06 | 2 | capital falling | loans exceed deposits, charge-offs p90 |
| 2018-09 | 1 |  | capital falling |
| 2018-12 | 2 | noncurrent p90, reserve under noncurrent | liquid assets <10% |
| 2019-03 | 4 | capital falling, charge-offs p90 |  |
| 2019-06 | 2 |  | noncurrent p90, reserve under noncurrent |
| 2019-09 | 1 |  | capital falling |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 2 | liquid assets <10% | capital falling |
| 2021-03 | 0 |  | charge-offs p90, liquid assets <10% |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 2 | charge-offs p90, construction >100% equity |  |
| 2022-03 | 1 |  | charge-offs p90 |
| 2022-06 | 3 | capital falling, charge-offs p90 |  |
| 2022-09 | 2 |  | capital falling |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 | capital falling | charge-offs p90 |
| 2023-06 | 1 |  | capital falling |
| 2023-09 | 2 | uninsured deposits leaving |  |
| 2023-12 | 3 | liquid assets <10% |  |
| 2024-03 | 3 | reserve under noncurrent | liquid assets <10% |
| 2024-06 | 2 | charge-offs p90 | uninsured deposits leaving, reserve under noncurrent |
| 2024-09 | 2 | reserve under noncurrent | construction >100% equity |
| 2024-12 | 1 |  | reserve under noncurrent |
| 2025-03 | 1 | reserve under noncurrent | charge-offs p90 |
| 2025-06 | 0 |  | reserve under noncurrent |
| 2025-09 | 2 | capital falling, construction >100% equity |  |
| 2025-12 | 1 | reserve under noncurrent | capital falling, construction >100% equity |
| 2026-03 | 1 |  |  |
| 2026-06 | 3 | charge-offs p90, construction >100% equity |  |

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

- 2022-05-18 [Great Plains Bank Finances Local Community Resurgence with Jack Henry - Financial IT](https://news.google.com/rss/articles/CBMiowFBVV95cUxNNGJpQW1JajlwaUg5VENqTDAwS3Z6bjNPM3Qwb3ZJYVdXVlVhMHFNNVVjSGhWLThzdk1yY2JwYmpDbzdyR2hfUkxuRHZ6SEZNdmFodTlfemktNTN6eHVkQng5cEVwN3luSDhHYWFhaE10dnI0dmlZRU44ZnhrNlRyVUtPdE00Zm41R1U5RzlFelNPTS1ybUJIbm12eXpDSDV2SnFJ?oc=5) · Financial IT
- 2018-05-21 [Great Plains National Bank announces merger with Liberty Federal Savings Bank - enidnews.com](https://news.google.com/rss/articles/CBMi-gFBVV95cUxQTTNBM2RMeGNQOUtYV1RyMC0tc180angwZHc4TlVLVTB3cEdVT1hncmotek01bVhwVnZyRldJRWFBYWptNlBzTFFGT29fOG5tcnhoU1hWWlUyQ0kxN0ZackNFZDRaTE9uRlR5MWFOMFdNc3VOb2tEanViZzRzRjlZTkU4U1c2ck95RlhnNWVfaWxEY0NvdG9iMmFPaEtRRXB3bjZaZGJJcE0wUUxyb045UVI3eVNVbWhXMWdVYkNmTFp1czhMdV8xMlJfcDN6bkRwN1dubi16SnV4M3VLR2tRaU5XeGtSd0pSc0J2bmdTRHVGYzlpdzBYSmlR?oc=5) · enidnews.com
- 2025-12-16 [Oklahoma's Armstrong Bank pushes into Dallas - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxOdVpkdUY3M0szZHhKZGthejFRN2RBT2RwYXBzS1FHcjRZOWJoa1cya294bjlGSVNXUkVPNTFTdDBJOWVwb2tCU2xwUV9RUHFUMkVoc1k1MmxvdGRZSl9oY0xnNFFSX0VtY0xGY1plWkxSbUZYc2I4c1pJa0JGZzRUWnlpNGJ3bEtHSHBJQWxkd084czg5eGQ0YnZEa20xMlY5NUlJQlQtVQ?oc=5) · The Business Journals
- 2012-07-02 [Experts reflect on failure of Kingfisher’s sole community bank - journalrecord.com](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQQ3VaZzJuRHlyNk85dDBRU21VbkNVX1JxZ05LcmVvbkg0VGVNYlJBRXJTdGZfSExZVjVFeVZFdWkxV3B6UEdTVTdaMkI0YzZpZ08zRERDZHNucmlMcWxURWNnVjZ3bTdPS01zTjFwaERVWV9sZ0RENjR1UGJ4UEp2cTVuQ1pjY2dWZlpMdnRXOEpYLXBTTEk4VkZUMUI4azRaeDY1Z3h4LUtvYWM?oc=5) · journalrecord.com
- 2026-01-25 [Patricia Joy "Pat" Lowry Obituary (2026) - Sayre, OK - Martin-Dugger Funeral Home - Elk City - Legacy obituary](https://news.google.com/rss/articles/CBMigwFBVV95cUxNUFgwYTRySDNDZWZtQ2h6Ny1VNVRCZTFyNmtjXy1VYWU5S20zOExFb1V0WUdRRi02RjhPc3VoUHQwZGpfbnRWQVczZlJjNmhqdmxYQlgxa19rMlpOeTdNQkpBMkVEQk1kaVREbHFEREZNeWNFUjdMakZCREVCS0FpYjNWUQ?oc=5) · Legacy obituary
- 2026-01-28 [Canadian County Court Records - Yukon Progress](https://news.google.com/rss/articles/CBMigAFBVV95cUxQZXhJOFlQc0NJVzQzUDVWczJ0MExteGlrU19CTXJuaVhackhOUFdWbjFLQUJ2VktYVnJOWEJPRmktanp3a0VGZVBTQ3VTb1h6SldpVGhvT2Jnd2xwSk1SX1oyeURaa3hxRFpmYmNnbVZ1a3ZDN2haYjFPcXYyV0tLQg?oc=5) · Yukon Progress
- 2014-08-19 [Tracy Jividen Obituary - Oklahoma City, OK - Dignity Memorial](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQRElrbWJBNnVqcXdWdHZYdXl3TnJHODFDaS1ubmdDSHpRTkR0NHh0NUpjaXhpZnlTSWlXaVpEWUV2ZFk5aFE3T1ZaVnBkbWtRZVJkX2l3VWFaVWdMTkdLMVNOYk52SmxvcDdqY2Vta1htRDJoeE9vblhPZjhqYnUyaEhQSlVmV3hw?oc=5) · Dignity Memorial
- 2026-03-24 [Barton Russell Kirchoff Obituary (2026) - Hollis, OK - Harmon County Funeral Home - Hollis - Legacy obituary](https://news.google.com/rss/articles/CBMihAFBVV95cUxObHpnSmtPWmszdEJaclgwTktNTjMxT1FucmdCcHBQcVZEbHBCOWpGeXEwSTh2ZXp2ZVd2QWFyOWRsTVRQcUU3VkI3ZGxQaXB4YTZyV3pta0JXZWJXbUpFZUY0ZV92T21IN1ZZLU5VQXR0U1FkbGtZWlU2QklBM1RvOFhocjA?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34207 (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/31.json (key "34207", 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