# FIRST BANK OF FAIRLAND
FAIRLAND, OK · FDIC certificate 4096 · asset band <$300M · latest filing 2016-03 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. 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 | $10.7M | |
| Deposits | $9.1M | |
| Loans and leases | $8.2M | |
| Total equity | $1.3M | |
| Loans / deposits | 89.71% (p80 of band) | 72.92% |
| Liquid assets / assets | 17.39% (p17 of band) | |
| Uninsured deposits / deposits | 1.76% (p2 of band) | 13.88% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.97% (p52 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.56% (p48 of band) | 10.70% |
| Unrealized securities loss / equity | 0.08% (p21 of band) | 1.19% |
| AOCI / equity | 0.00% (p12 of band) | |
| ROA (annualized) | 1.42% (p82 of band) | 0.83% |
| Net interest margin | 4.81% (p94 of band) | 3.64% |
| Efficiency ratio | 73.61% (p52 of band) | |
| Noncurrent loans | 0.60% (p46 of band) | 0.70% |
| Net charge-offs (annualized) | 0.00% (p46 of band) | |
| Reserve coverage of noncurrent | 100.00% | |
| Real estate % of loans | 64% | |
| Construction % of loans | 9.88% (p40 of band) | |
| Auto loans | $636,000 (7.73% of loans; DQ 4.87%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -5.8% | |
| Employees | 7 | |

## Flags firing in the latest filing

- **deposits shrinking** (`shrink_deposits`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | reserve under noncurrent |  |
| 2011-12 | 0 |  | reserve under noncurrent |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 1 | reserve under noncurrent | capital falling |
| 2012-09 | 0 |  | reserve under noncurrent |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | reserve under noncurrent |  |
| 2013-09 | 2 | capital falling |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 0 |  | reserve under noncurrent, capital falling |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | reserve under noncurrent |  |
| 2015-03 | 2 | deposits shrinking, assets shrinking | reserve under noncurrent |
| 2015-06 | 1 | reserve under noncurrent | deposits shrinking, assets shrinking |
| 2015-09 | 1 |  |  |
| 2015-12 | 2 | deposits shrinking |  |
| 2016-03 | 1 |  | reserve under noncurrent |

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

- 2026-07-08 [Officials release details on suspect arrested in Fairland Bank robbery - FourStatesHomepage.com](https://news.google.com/rss/articles/CBMimwFBVV95cUxPMVVhYXBwVWdNM2NVenlzM2p3a3lqQ05XVkN2bWJKS0haUE1pdUJISU9ialJueUtYdkVxYmc3QV9FMVN1Tk4yclM5OGpuaVFuUVFrQ0tHNUJKUmFubzI5c0sxU3hBVUxpdGlHYU1qVUFaRGxvYnRrb2FqMXluZ0hCN0kxM1Q1YWVJRlZDZG8teTF2dE1JLVY1STNZRdIBoAFBVV95cUxNeUQwUHJiUGFvVWYzVEdBX2dKWVBwNWJhLWVzYkVQU2VwOVAwSHI3OFIwRzlBNXhBM1lYU256dGh2dFN1V0xscUI0VGJOaGZXalBjRm5FLVIweWtLTG9PTHVLcHkyRmxjTE12X0doZ2tNNkQ5a2JPV0JtaHJKb1pLSUoxeUx0WG5EbWpqX3lSelVyanV2Y2hlcGUxR1dId0M2?oc=5) · FourStatesHomepage.com
- 2026-07-09 [Unarmed man arrested in connection with Fairland Bank robbery - AOL.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxNM1ROalpmLURNdjJ1cnlHUWNWZ21KVEpWRDVVQnFUc0NMdVVxOS0xNEdPcXhTWGp6S3FTcFBWbTB2RmcwempBN3FwaEc1bC0wSTFRV1BmWWxGWjVNckQzdHU5VTlwVl9od1k2QjlEcWRTckVOUFZPcElscG9kNFZHVQ?oc=5) · AOL.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=4096 (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/0.json (key "4096", 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