# SOONER STATE BANK
TUTTLE, OK · FDIC certificate 402 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 1 (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 | $354.6M | |
| Deposits | $311.0M | |
| Loans and leases | $232.7M | |
| Total equity | $41.6M | |
| Loans / deposits | 73.79% (p33 of band) | 82.04% |
| Liquid assets / assets | 31.57% (p68 of band) | |
| Uninsured deposits / deposits | 29.60% (p65 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.75% (p77 of band) | 10.81% |
| Unrealized securities loss / equity | -6.26% (p56 of band) | -8.10% |
| AOCI / equity | -0.96% (p24 of band) | |
| ROA (annualized) | 2.06% (p88 of band) | 1.28% |
| Net interest margin | 4.93% (p92 of band) | 3.91% |
| Efficiency ratio | 54.40% (p29 of band) | |
| Noncurrent loans | 0.33% (p44 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p46 of band) | |
| Reserve coverage of noncurrent | 423.02% | |
| Real estate % of loans | 95% | |
| Construction % of loans | 135.97% (p95 of band) | |
| Auto loans | $1.4M (0.60% of loans; DQ 0.22%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 12.6% | |
| Employees | 68 | |

## Flags firing in the latest filing

- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 0 |  | capital falling |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 1 | capital falling |  |
| 2013-12 | 0 |  | capital falling |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | capital falling |  |
| 2014-12 | 0 |  | capital falling |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | capital falling |  |
| 2015-12 | 0 |  | capital falling |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | capital falling |  |
| 2016-12 | 1 | construction >100% equity | capital falling |
| 2017-03 | 0 |  | construction >100% equity |
| 2017-06 | 1 | construction >100% equity |  |
| 2017-09 | 1 | capital falling | construction >100% equity |
| 2017-12 | 1 |  |  |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 1 | construction >100% equity |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 1 |  | capital falling |
| 2021-03 | 1 |  |  |
| 2021-06 | 2 | capital falling |  |
| 2021-09 | 1 |  | capital falling |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 2 | AOCI drag >20% of equity |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 3 | deposits shrinking, assets shrinking | AOCI drag >20% of equity |
| 2023-06 | 4 | uninsured deposits leaving |  |
| 2023-09 | 2 | securities losses >30% of equity | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2023-12 | 1 |  | securities losses >30% of equity |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 | deposits shrinking | construction >100% equity |
| 2024-12 | 1 | construction >100% equity | deposits shrinking |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 2 | reserve under noncurrent |  |
| 2025-12 | 1 |  | reserve under noncurrent |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

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

- 2019-06-25 [Tuttle Bancshares to acquire Advantage Bank - journalrecord.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPLW45Xy1zYmZLdWF2Q1ZSX2I2TE1iODcxOS1vTzloRXVZX2k2WVhPMGx5VHhFVWZDdXVaRVNmSHQ4LTFKQThzcHVGUVJaNDNrb0NRRE90RzV0d0RDR1RudVRsQ0tDQnhsUUVzc2EzeHV2bkxidnU1d2J6andlYk9RbE9reGhmdjVX?oc=5) · journalrecord.com
- 2025-12-11 [Newcastle Chamber Board of Directors - The Newcastle Pacer](https://news.google.com/rss/articles/CBMihwFBVV95cUxNWjlQSFhjY1dyWWxBUTJxT1pBODRwdFhhX1FuVUJkTnI4NlIxd0JBSThWb2N6YkJPWjB1UlFNeTFaUVBEOTM4ZVctUjEweVdLQnlmQ2o4R2x6MlJ3eVFxU2ItbGNOUGtLSHB2SGliY1c3d01KY2tMdmlMcWdvbGM1T1oxT3FHU2c?oc=5) · The Newcastle Pacer
- 2026-02-16 [3 dead, including a student athlete, by an alleged 'drunk driver' in Oklahoma: Superintendent - ABC News - Breaking News, Latest News and Videos](https://news.google.com/rss/articles/CBMinAFBVV95cUxPSEYtWEhYcXhwbmRFLXVtci0xQWNJbU5PMlROSEJwTDFFbDY0Yjd0RnBTNGF3SWw1YnJtYWdPUjZ4WFRZdUF0YnpHblhnNkZjc0VaaWtCdkVybzZ3S0NNNzVtQVRsdi01dnIxNmRSWWdLeFpZZE1CNkMyM2RWZjFYcnZhNWI5cmhMTFh1TTBiM3VJOXUtcG5GOGZJVkTSAaIBQVVfeXFMTWdQMXdtdDVVUDRhS2dwdmFCRVBFR3JIRVFXNW02OHc0bWpPajNjRnFGV1hDMGNHTnlMZk04TUlFNUo1QXlFM2dlMXU3eTZzNEFYMzVaUkUxSThiN3lma3VuZnJFc2F5ZUlqMzNfaDhEbmF0MVJINkdXVUU1QmRxMGJ1bmFLN0x0Wnl1S0JHRm9rX0JqdG1ULXFxWGVCNmY1MjZ3?oc=5) · ABC News - Breaking News, Latest News and Videos
- 2023-11-23 [Wastewater Plant Groundbreaking - The Newcastle Pacer](https://news.google.com/rss/articles/CBMigAFBVV95cUxPcy14dFNITGVEbE5ha1B1LUpmbV9hSll0dExqY0RqdGFlUVIwVDB4Um1hemNwcGxIemxsaWVrT0ZQWUpZc0VaR2xUb2tPQmJubUNYSWhMM2xWUGV3UVFWQl9CN05pQ0F2ajF2d1BpalJ1dXNkMTF3aXh5aV80UldjZw?oc=5) · The Newcastle Pacer
- 2019-03-10 [Konawa Junior High Softball Player Killed In Tragic Bus Crash - FloSoftball](https://news.google.com/rss/articles/CBMiqgFBVV95cUxOVGNfMzRqLWRqT1BRaGFHcVBXYXRTVEowZkd3TWFDaDBwczdGODZBOEYtRWZPUEQ0djhmY1VJcm1KLXVFd3RqR0lpX1YtaG9HNXZVZERKYi1CeVhRbmFlTkhYbnBveldMRG1lVUhTeDVxUXNzb0hCQmhiLWVSMGs3ZTNMZUVlTVZmZEdkLUx0T1dubFlycENOWXQ4aVdSNE90VHNxVkU5Wmdudw?oc=5) · FloSoftball
- 2007-05-21 [Michael Tiderman Obituary (2007) - Oklahoma City, OK - Oklahoman - Legacy obituary](https://news.google.com/rss/articles/CBMikwFBVV95cUxPR2cwYTRqY2dlcEVjQTFTN3pFMGlvV1drYW10RmVyTXJYNkptT19vOU14QzYydnNRVGV5LTc5UkoyQ003QUdMakJNaHBBVEpfeWVDbks2clRnZEluR2lNTkFGVXlnV1FEUGkzRlozaG9Mc1l0bHEzNDM4blc0WXdiX280WHdMV0N1SFFFenBwME1TMVk?oc=5) · Legacy obituary
- 2026-06-04 [Friends of the Library Book Sale, Stuff the Bus is June 6 - The Newcastle Pacer](https://news.google.com/rss/articles/CBMiogFBVV95cUxOSC0zbEFyZWJVNGt2Ni1mOXJxLVdmRURmclJoeFhqMllxaFJYVTVnSXh6TkJCWUoteWpkQmFZeU5WZTkyVkEyLXdicC1BQUdKcmJzWjdScnVXbmJHZmlYczZnVzNBLXlnbkYzTDBKSU5PNktXVFNKUHRuRnhTQnlpQmNoeXlVbHdFRW5JM0JSZGs2WEZiR2pqZGhTdlk3R2VGUEE?oc=5) · The Newcastle Pacer
- 2025-03-27 [The men who acted as servers during this year’s Multi-Chamber Women in Business luncheon were - The Newcastle Pacer](https://news.google.com/rss/articles/CBMi0wFBVV95cUxQbHJxY2Z6QVRhbnBuNF9YaDgxUVlRd0FpempSNTBhQ1BGcTRjanZ2MXFONVlXblZZMVJPNUVyMHhYbzVDZTZFOFdRTWRINnVVMjI2VjQ5NkVvdlozUGlmWHlhYVRyT1hraUlvTWhya2Y1aHZHWlVxYklfMFp3WDIzMVBOWjlmancydkV4V2NQd3d4a0Z5cXlNeTRzLU5VVzQwZzhPYTZOd1VvWEJTS213X184VE1Ud0ppTVh2QWVMLUlFbFRwVm9EUlJlejVVeERXX19n?oc=5) · The Newcastle Pacer

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=402 (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 "402", 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