# FIRST NB OF LINDSAY
LINDSAY, OK · FDIC certificate 4134 · asset band <$300M · latest filing 2024-09 · FAILED

**Verdict on the desk:** this could be *credit-stressed*. Composite score 5 (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 | $114.3M | |
| Deposits | $101.1M | |
| Loans and leases | $66.0M | |
| Total equity | $12.7M | |
| Loans / deposits | 72.63% (p51 of band) | 72.07% |
| Liquid assets / assets | 30.89% (p43 of band) | |
| Uninsured deposits / deposits | -1.60% (p0 of band) | 18.87% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p19 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.96% (p28 of band) | 11.60% |
| Unrealized securities loss / equity | -0.15% (p86 of band) | -10.38% |
| AOCI / equity | 24.41% (p98 of band) | |
| ROA (annualized) | -0.71% (p4 of band) | 0.91% |
| Net interest margin | 2.51% (p12 of band) | 3.54% |
| Efficiency ratio | 126.59% (p97 of band) | |
| Noncurrent loans | 10.65% (p100 of band) | 0.27% |
| Net charge-offs (annualized) | 12.61% (p100 of band) | |
| Reserve coverage of noncurrent | -105.63% | |
| Real estate % of loans | 39% | |
| Construction % of loans | 20.11% (p52 of band) | |
| Auto loans | $1.8M (2.77% of loans; DQ 42.74%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 17.8% | |
| Employees | 10 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## 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 | 2 | capital falling |  |
| 2012-03 | 1 |  | capital falling |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 2 | capital falling |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 1 |  | reserve under noncurrent |
| 2014-09 | 1 | reserve under noncurrent | capital falling |
| 2014-12 | 1 |  |  |
| 2015-03 | 2 | charge-offs p90 |  |
| 2015-06 | 1 |  | charge-offs p90 |
| 2015-09 | 1 |  |  |
| 2015-12 | 0 |  | reserve under noncurrent |
| 2016-03 | 2 | deposits shrinking, assets shrinking |  |
| 2016-06 | 1 |  | assets shrinking |
| 2016-09 | 1 | reserve under noncurrent | deposits shrinking |
| 2016-12 | 2 | deposits shrinking, assets shrinking | reserve under noncurrent |
| 2017-03 | 2 | reserve under noncurrent | assets shrinking |
| 2017-06 | 1 | uninsured deposits leaving | deposits shrinking, reserve under noncurrent |
| 2017-09 | 0 |  | uninsured deposits leaving |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | capital falling |  |
| 2019-03 | 1 | charge-offs p90 | capital falling |
| 2019-06 | 0 |  | charge-offs p90 |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 | uninsured deposits leaving | reserve under noncurrent |
| 2021-09 | 1 |  | uninsured deposits leaving |
| 2021-12 | 2 | uninsured deposits leaving |  |
| 2022-03 | 1 |  | uninsured deposits leaving |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 2 | capital falling |  |
| 2023-06 | 1 |  | capital falling |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 | uninsured deposits leaving | noncurrent p90 |
| 2024-03 | 0 |  | uninsured deposits leaving |
| 2024-06 | 0 |  |  |
| 2024-09 | 5 | losing money, expense ratio p90, noncurrent p90, charge-offs p90, reserve under noncurrent |  |

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

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=4134 (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/38.json (key "4134", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide