# FIRST NATIONAL BANK
HEAVENER, OK · FDIC certificate 4111 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $112.8M | |
| Deposits | $91.7M | |
| Loans and leases | $82.2M | |
| Total equity | $10.5M | |
| Loans / deposits | 88.66% (p77 of band) | 73.59% |
| Liquid assets / assets | 23.29% (p29 of band) | |
| Uninsured deposits / deposits | 12.61% (p23 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 8.86% (p83 of band) | |
| FHLB advances / assets | 8.86% | |
| Tier 1 leverage | 9.89% (p22 of band) | 11.76% |
| Unrealized securities loss / equity | -1.19% (p76 of band) | -6.57% |
| AOCI / equity | -0.72% (p35 of band) | |
| ROA (annualized) | 1.74% (p78 of band) | 1.17% |
| Net interest margin | 6.56% (p99 of band) | 3.93% |
| Efficiency ratio | 65.94% (p51 of band) | |
| Noncurrent loans | 0.27% (p45 of band) | 0.36% |
| Net charge-offs (annualized) | -0.05% (p5 of band) | |
| Reserve coverage of noncurrent | 393.27% | |
| Real estate % of loans | 86% | |
| Construction % of loans | 71.49% (p88 of band) | |
| Auto loans | $1.1M (1.39% of loans; DQ 0.53%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 1.9% | |
| Employees | 30 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 0 |  | reserve under noncurrent |
| 2011-12 | 0 |  |  |
| 2012-03 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2012-06 | 1 |  | deposits shrinking, assets shrinking |
| 2012-09 | 0 |  | uninsured deposits leaving |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | reserve under noncurrent |  |
| 2014-09 | 0 |  | reserve under noncurrent |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | reserve under noncurrent |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 2 | uninsured deposits leaving |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 1 |  | uninsured deposits leaving |
| 2016-09 | 0 |  | reserve under noncurrent |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | reserve under noncurrent |  |
| 2018-03 | 2 | charge-offs p90 |  |
| 2018-06 | 1 |  | charge-offs p90 |
| 2018-09 | 1 |  |  |
| 2018-12 | 2 | noncurrent p90 |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 3 | charge-offs p90 |  |
| 2019-09 | 1 |  | noncurrent p90, charge-offs p90 |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 | charge-offs p90 | reserve under noncurrent |
| 2020-06 | 1 |  |  |
| 2020-09 | 0 |  | charge-offs p90 |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | uninsured deposits leaving |  |
| 2021-09 | 0 |  | uninsured deposits leaving |
| 2021-12 | 1 | charge-offs p90 |  |
| 2022-03 | 0 |  | charge-offs p90 |
| 2022-06 | 0 |  |  |
| 2022-09 | 1 | construction >100% equity |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 0 |  | construction >100% equity |
| 2023-09 | 1 | deposits shrinking |  |
| 2023-12 | 3 | assets shrinking, uninsured deposits leaving |  |
| 2024-03 | 1 | capital falling | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2024-06 | 0 |  | capital falling |
| 2024-09 | 1 | reserve under noncurrent |  |
| 2024-12 | 0 |  | reserve under noncurrent |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2026-09-04 [First National Bank of Oklahoma raises $24,000 for local animal organization - Ponca City Now](https://news.google.com/rss/articles/CBMirwFBVV95cUxOWDFmYTRjLXRWTFdfRUtiT2x1ZkZUal9VZktVb2J3dnVLRHFFRGNFTEoyaDltcm9uN0wxNFdnaV93a2dUNUhXcFpLYkRESjZORXpNa3hCcU50YjBxODNiSURkTUhYVUlsZkREeUdOOG1zZGpRWTdmR1NYY0R2dFR1T29nTXc3VWlUUnpjamw4LUNCQWdEMEl6ZE9CNU9nOXd3OE02VU1RSUh3R2xFT3o4?oc=5) · Ponca City Now
- 2026-07-01 [Sovereign Bank acquires First National Bank in Marlow - Duncan Banner](https://news.google.com/rss/articles/CBMi2gFBVV95cUxNaXREcWlfeElobHRTbk1wNHBtd3dUZXFsWTdLd2ZEbG5DYkhLWTdCU3ZTaURPYnJLeXVpWmp1RFJTSHJ2ZTNXdXl3OFdGNjd6OV9tbVRXWWlxdnpVUUxBd2VzN2NRenJueGFGQkxhUnNfYm1oMnllRE9YcGk4TEJ2ZWhCXzJSdFl5RUZRbmxBcWxLZDVFNUEtOExUTnN3QjFfbWtaVndaNERnVVNKdG9xUExoNS1mVnJyZ0ttY0VCZmFySE5rRDRwWGV3RkM1aU56aUFLbGlLUjdvdw?oc=5) · Duncan Banner
- 2026-05-08 [Failed Oklahoma bank’s ex-CEO pleads guilty to bank fraud - Banking Dive](https://news.google.com/rss/articles/CBMimgFBVV95cUxQX0syVmhISmY3cWlqQ2REUTB5Rjc5SzlpdUo3clNJQ19zWjJBcVVxNEItSU5ZWm1OaU80cDV6NVJFNndIb1lCV3NvM1BvVXRZWFpCSk8zSmZJbVJYM1Vlcld0VGFPcWFlVTlCRi1za1RKbWdobGhiWHAtOFo1UHRVdFJOdFlZZFBhS29jZWFydlQyWG1NUnRLX0pB?oc=5) · Banking Dive
- 2026-06-25 [Sovereign Bank acquires Marlow bank | News | swoknews.com - The Lawton Constitution](https://news.google.com/rss/articles/CBMitgFBVV95cUxOWHRKdDQ5N0luMHZzZHhhYXdpZGI2b2lnLXBaNzlnZXVDbG9yeC1CMnkxOUtqeFpVdTRUNWNfSVR4VU5neEI0eGd4T0RCVWM4Q09sblR1UWxWMWJtc2phNTN1b2p6OEh6ZWlMY1J4Z1RzVVRUZDh4dzhpZjNYQjJXVVdQSG5jaThDVGgya2VaQVNTUk16V0lLNEhrWllUdmR3SC1GYWJwUHluanU1Y3ZSa18xeW8zQQ?oc=5) · The Lawton Constitution
- 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
- 2026-07-01 [Danny Seibel, Cody Cordell plead guilty in Lindsay bank fraud case, Shaun Christian charges pending - NonDoc Media](https://news.google.com/rss/articles/CBMixwFBVV95cUxOTlhnbmpYWDdxYmdfb2JVR1pnbmxmSGw0bWVTS1lYUGlnWU5GRVRmUnJDeXNiS0JnWTZYVmxDeko5N0E0Yzh2SUhwQy15SlVuUGdaczI3RmxENWVMY3l3N1VnTTdFaVJhNHdkU3ViRC1jZG9JYlN3NlRkcmpQcUgwVkV3c3BadXJlcUNKS2VjTXlJdlpSTTJBZ1kxbFhUby1OaTlBa2ZvZ2tsLTVtRDFzal9hX184S0hKTGhuODhybHVVVlNoWk00?oc=5) · NonDoc Media
- 2026-05-08 [Former President and CEO of failed Oklahoma bank pleads guilty to fraud - KOKH](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQNkktMEJyZ3dmc3IxR0Q0enlUWFBEb25xZGkwZUt2anBFbTNqdFhrSXpZZkVMRzBwUGZKUUNSWGxXdjR6N2ZxdWlvbnY1dGhIOVZ4SXdNdm04QURRbGt4QWlYZzBnYjhyVzAwRXk0QU1NaVY2SVpTOXJENFhhVFBMRFViZlZvclJSSWpzRkVaUW0wcTlIbEhXeVVTbl9WaWtPQlh1NnlGR1NqZw?oc=5) · KOKH
- 2025-10-31 [First National Bank of Oklahoma earns Regional Housing Champion Award - journalrecord.com](https://news.google.com/rss/articles/CBMihwFBVV95cUxNcDd5clZsaWFFaWdmVHdCM3BUd3VYblNOUzRmT2lhc0pjR010aGdiRm8yeVlBQ21yQTZqV0JIcnZtMVl3TzdjVnRzWkpmSnZIRUxUSmZwZU5qMlFfS2NyRk1FUjhXQVpaLWdRalQ3YU5CakRVd0ppcDNqc2xtak96OWJqVkNDbFk?oc=5) · journalrecord.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=4111 (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/15.json (key "4111", 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