# FARMERS BANK
CARNEGIE, OK · FDIC certificate 4054 · asset band <$300M · 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 | $139.6M | |
| Deposits | $121.1M | |
| Loans and leases | $122.3M | |
| Total equity | $14.5M | |
| Loans / deposits | 99.82% (p91 of band) | 73.59% |
| Liquid assets / assets | 11.14% (p5 of band) | |
| Uninsured deposits / deposits | 32.11% (p85 of band) | 19.81% |
| Brokered deposits | 12.89% | |
| Wholesale funding | 15.04% (p91 of band) | |
| FHLB advances / assets | 2.15% | |
| Tier 1 leverage | 11.58% (p47 of band) | 11.76% |
| Unrealized securities loss / equity | -1.95% (p71 of band) | -6.57% |
| AOCI / equity | 0.00% (p78 of band) | |
| ROA (annualized) | 0.90% (p35 of band) | 1.17% |
| Net interest margin | 4.37% (p71 of band) | 3.93% |
| Efficiency ratio | 67.87% (p56 of band) | |
| Noncurrent loans | 0.32% (p48 of band) | 0.36% |
| Net charge-offs (annualized) | 0.03% (p75 of band) | |
| Reserve coverage of noncurrent | 342.20% | |
| Real estate % of loans | 72% | |
| Construction % of loans | 67.91% (p87 of band) | |
| Auto loans | $2.1M (1.68% of loans; DQ 0.00%, NCO 0.02%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 31.6% | |
| Employees | 21 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | uninsured deposits leaving |  |
| 2012-06 | 0 |  | reserve under noncurrent, uninsured deposits leaving |
| 2012-09 | 0 |  |  |
| 2012-12 | 2 | deposits shrinking, assets shrinking |  |
| 2013-03 | 3 | reserve under noncurrent |  |
| 2013-06 | 3 |  |  |
| 2013-09 | 4 | charge-offs p90 |  |
| 2013-12 | 4 |  |  |
| 2014-03 | 5 | losing money |  |
| 2014-06 | 6 | capital falling |  |
| 2014-09 | 5 |  | capital falling |
| 2014-12 | 5 | noncurrent p90, uninsured deposits leaving | deposits shrinking, assets shrinking |
| 2015-03 | 4 | deposits shrinking, assets shrinking | reserve under noncurrent, losing money, noncurrent p90 |
| 2015-06 | 4 |  |  |
| 2015-09 | 4 |  |  |
| 2015-12 | 3 | reserve under noncurrent | deposits shrinking, assets shrinking |
| 2016-03 | 2 | capital falling | charge-offs p90, uninsured deposits leaving |
| 2016-06 | 4 | expense ratio p90, noncurrent p90 |  |
| 2016-09 | 3 | uninsured deposits leaving | capital falling, noncurrent p90 |
| 2016-12 | 4 | loans exceed deposits, deposits shrinking | uninsured deposits leaving |
| 2017-03 | 5 | capital falling, losing money | reserve under noncurrent |
| 2017-06 | 4 | liquid assets <10% | deposits shrinking, losing money |
| 2017-09 | 3 |  | expense ratio p90 |
| 2017-12 | 3 | expense ratio p90 | capital falling |
| 2018-03 | 0 |  | loans exceed deposits, liquid assets <10%, expense ratio p90 |
| 2018-06 | 3 | liquid assets <10%, capital falling, construction >100% equity |  |
| 2018-09 | 5 | loans exceed deposits, losing money, charge-offs p90 | capital falling |
| 2018-12 | 6 | reserve under noncurrent |  |
| 2019-03 | 4 | capital falling, uninsured deposits leaving | liquid assets <10%, loans exceed deposits, losing money, charge-offs p90 |
| 2019-06 | 8 | leverage <7%, losing money, expense ratio p90, noncurrent p90 |  |
| 2019-09 | 11 | leverage <5%, charge-offs p90 |  |
| 2019-12 | 12 | assets shrinking |  |
| 2020-03 | 12 | NIM <2.5%, deposits shrinking | capital falling, charge-offs p90 |
| 2020-06 | 11 |  | uninsured deposits leaving |
| 2020-09 | 13 | capital falling, charge-offs p90 |  |
| 2020-12 | 8 |  | construction >100% equity, leverage <7%, leverage <5%, capital falling |
| 2021-03 | 5 |  | losing money, NIM <2.5%, charge-offs p90 |
| 2021-06 | 5 |  |  |
| 2021-09 | 2 |  | expense ratio p90, assets shrinking, deposits shrinking |
| 2021-12 | 2 |  |  |
| 2022-03 | 0 |  | reserve under noncurrent, noncurrent p90 |
| 2022-06 | 0 |  |  |
| 2022-09 | 3 | noncurrent p90, deposits shrinking, assets shrinking |  |
| 2022-12 | 2 |  | assets shrinking |
| 2023-03 | 2 | reserve under noncurrent | deposits shrinking |
| 2023-06 | 3 | capital falling, charge-offs p90 | noncurrent p90 |
| 2023-09 | 2 |  | capital falling |
| 2023-12 | 1 |  | reserve under noncurrent |
| 2024-03 | 0 |  | charge-offs p90 |
| 2024-06 | 0 |  |  |
| 2024-09 | 2 | loans exceed deposits, charge-offs p90 |  |
| 2024-12 | 6 | brokered >10%, wholesale funding >15%, liquid assets <10%, capital falling, uninsured deposits leaving | charge-offs p90 |
| 2025-03 | 3 |  | loans exceed deposits, liquid assets <10%, uninsured deposits leaving |
| 2025-06 | 4 | liquid assets <10% |  |
| 2025-09 | 2 |  | capital falling, liquid assets <10% |
| 2025-12 | 2 |  |  |
| 2026-03 | 3 | loans exceed deposits |  |
| 2026-06 | 3 | capital falling | loans exceed deposits |

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

- 2026-06-28 [Farmers Bank & Trust welcomes Chad Rawls as chief banking officer - theparisnews.com](https://news.google.com/rss/articles/CBMi2wFBVV95cUxNUHc1cEhKdGlzMWFrbGMzZG54RFhEN0NsMThqMWJOZVJ4bnJWU0otb1ctUnhITnJRNlZVOFVsS3R4NWVIbVA3VFRVMEJoUk8wVkUwcE5CdWlycGV3XzJOVUNVSmVaRkNOVU5hSGUyNHF5d3QtNjV6dkZRSzBwVEZiVWxlYVZpcVlONDRNdUNraDRXMGZoWDRDdFV2UHRzTmpHbzNpU2R0MUZKSVNoNkRjWEY3SUMyd2licVA5TWJCTWlpdmM1MnQxMkJva01qMjV4YjlpanhRSU5mWjg?oc=5) · theparisnews.com
- 2026-06-25 [Farmers Bank & Trust welcomes Chad Rawls as Chief Banking Officer - Texarkana Today](https://news.google.com/rss/articles/CBMilAFBVV95cUxORzlqcUIzZDhPY1RWTXRac3hRSUVVU0hmSFNnNV92TEdqQXRySHk3YW93R0xrdjVUWWxraFV2N2o3SFVKLWExSWVjbXd2N0VCWGN4cnFqcUZVckhIRUExcy1mMFZOb3JsY3F1YzkzbjFMUVg1V2JmbGNoTlNkajdtNDFOX29CaHhER2FSYmRDWE1VQ29S?oc=5) · Texarkana Today
- 2025-12-02 [Former Carnegie bank president sentenced to prison for fraud - southwestledger.news](https://news.google.com/rss/articles/CBMilgFBVV95cUxPUDB3bkotaUk1bWQzVzhzaHFQWWttbnBDSE5jak05MWlyVVNLTmJTOEJWa3VGQ3A0TjI3OFNBcmRVaEYySktQZGFoNDdqR1RPd3l0aUc5VUI5UUlZMkkxNUZRaE5JdW5rTEFFZ1VzUWpwRFRkc2tteWc1QmR2NkItV0FOY0ZvNnp3V1dTU3hNOXljZUQ4Tmc?oc=5) · southwestledger.news
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2025-11-27 [PRESS RELEASE: Fraud and financial-crime prosecutions continue during federal funding lapse - Oklahoma City Free Press](https://news.google.com/rss/articles/CBMitwFBVV95cUxNbWRsdTVpQy1tOEQ0bkpKeEpZQjloYUxQd0FtSDJhYmdaa2hhbkh2N1FxTXpJU3k3YlRUYXc1VUZ4dktZVFR1cWdBS0t6a0tBUnR2VkY5a1QwR0d4ZkkxcXpRaVdvSl9SZUhsV2JuSEhDREhTX25tQTNsQkwzMFE1VHdmRWRtV25yV3ZoN2FoU1hkM2RmNVlQbTJOVDhwaEYycmoxWXJGWHFEeTktRV83eWg1UVI0Z1E?oc=5) · Oklahoma City Free Press
- 2026-06-01 [Farmers Bank & Trust opens satellite corporate office in Little Rock - Magnolia Reporter](https://news.google.com/rss/articles/CBMitgFBVV95cUxNYnQ5QUJOb28yVUNqRUQ2Tm4yZW40QTEtOGdpRGU2dGM4S18zcmZwTjc2MVpjbFhzX2VxS085ekg5YkV5LXBwcDQzT2ZIb0xxOHByV1V0SXBSUjR0LTdHbmhBbUtpQlRXOHVZaDZnY3pGQXhQaE5MeXdoQmtjMHY1Vk8yVVRjOS1RcVQ5eV81RWJEQmdzSUxpclRFU0dCcmRlZlFUeHlYSEotbk5Ha2l3UVRFWFB6UQ?oc=5) · Magnolia Reporter
- 2026-02-08 [Erebor Becomes First Bank OK’d Under New Administration - PYMNTS.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxPTTMyLWlTWGh4TnBrWlplbFROOHRBQTJoUnJUYlZ6T1hTMmFLR3JjY1RWZ242RHhxdktTSmoxeXg5NTh1ZEVZTXVvSE1Rd09vdVJGQXVreEZlOGQ5aUl6LXBQQWpKUzQ2alROSUdUZ1NCSXhsWl9lV3cxZVI3VFBsSmZmM1pfcFhuQ1p6WEpkaDhTS1l4TWtwU2NOZlk?oc=5) · PYMNTS.com
- 2026-07-18 [Ozzie Smith inspires at SAU’s 20th Annual Farmers Bank & Trust Distinguished Speaker Series - Southern Arkansas University](https://news.google.com/rss/articles/CBMivwFBVV95cUxOQVNtbk1qaW43dnJMcmMwdnhrX0h0dk9sSXlYcXl1TjNIWFFkZXFUWWx6cEE4SzVnc1ZEWmhUR1hVUHVYOXN5T29qcGlGUWN3TGJaemI4alBWakZVaFA0RzNNTFRoS3Y3Y0ROR2t0dWdKblM1VDNTSEJROXZIeUJ1NWlLWWc0Wk0tSVdfMEV5SFJJa1pXRjdOMnkwekF3S1NoY2pYR2s2aUg2X09ETlE5cGpmMy1fMVNpVkkzVzkwWQ?oc=5) · Southern Arkansas University

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=4054 (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/22.json (key "4054", 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