# BANK NATIONAL ASSN
MCALESTER, OK · FDIC certificate 4146 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 2 (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 | $488.1M | |
| Deposits | $442.8M | |
| Loans and leases | $331.1M | |
| Total equity | $43.4M | |
| Loans / deposits | 73.83% (p33 of band) | 82.04% |
| Liquid assets / assets | 29.28% (p62 of band) | |
| Uninsured deposits / deposits | 26.81% (p54 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.85% (p52 of band) | 10.81% |
| Unrealized securities loss / equity | -36.60% (p9 of band) | -8.10% |
| AOCI / equity | 1.35% (p96 of band) | |
| ROA (annualized) | 1.63% (p72 of band) | 1.28% |
| Net interest margin | 4.34% (p75 of band) | 3.91% |
| Efficiency ratio | 61.95% (p52 of band) | |
| Noncurrent loans | 1.30% (p79 of band) | 0.43% |
| Net charge-offs (annualized) | 0.01% (p54 of band) | |
| Reserve coverage of noncurrent | 97.92% | |
| Real estate % of loans | 91% | |
| Construction % of loans | 95.89% (p85 of band) | |
| Auto loans | $2.8M (0.85% of loans; DQ 1.14%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 7.3% | |
| Employees | 86 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)
- **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 | 0 |  | reserve under noncurrent |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 1 | reserve under noncurrent |  |
| 2013-12 | 2 | capital falling |  |
| 2014-03 | 1 |  | capital falling |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 3 | deposits shrinking, assets shrinking |  |
| 2015-06 | 3 |  |  |
| 2015-09 | 3 |  |  |
| 2015-12 | 4 | uninsured deposits leaving |  |
| 2016-03 | 1 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | assets shrinking |  |
| 2016-12 | 0 |  | reserve under noncurrent, assets shrinking |
| 2017-03 | 3 | capital falling, noncurrent p90, reserve under noncurrent |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 0 |  | capital falling, noncurrent p90, reserve under noncurrent |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 2 | capital falling, reserve under noncurrent |  |
| 2019-06 | 1 |  | reserve under noncurrent |
| 2019-09 | 1 | reserve under noncurrent | capital falling |
| 2019-12 | 0 |  | reserve under noncurrent |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 4 | noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2021-03 | 3 |  | charge-offs p90 |
| 2021-06 | 3 |  |  |
| 2021-09 | 2 |  | capital falling |
| 2021-12 | 2 |  |  |
| 2022-03 | 5 | capital falling, AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-06 | 6 | construction >100% equity |  |
| 2022-09 | 4 |  | reserve under noncurrent, capital falling |
| 2022-12 | 3 |  | noncurrent p90 |
| 2023-03 | 3 | assets shrinking | AOCI drag >20% of equity |
| 2023-06 | 3 | deposits shrinking | assets shrinking |
| 2023-09 | 3 |  |  |
| 2023-12 | 2 |  | construction >100% equity |
| 2024-03 | 1 |  | deposits shrinking |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 2 | capital falling |  |
| 2025-06 | 1 |  | capital falling |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 3 | capital falling, reserve under noncurrent |  |
| 2026-06 | 2 |  | capital falling |

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

- 2025-04-08 [America’s Best Regional Banks and Credit Unions 2024 - Newsweek Rankings](https://news.google.com/rss/articles/CBMigwFBVV95cUxNMnhvQ3Z2UTJVaEVqSk1aTFZVYTI5TjJyc2ZJN085SzZiOHREWUFpUVB6NDBhZ3VKdWRPOWRsQ0pTU1VpSkdndnV0YmpKeEltRVZKa0NEUXpmWkVxSEltUGM0V084djNEVzFyV1VHd25sWjVjUEVjS2RmRzhBb0tPQUROYw?oc=5) · Newsweek Rankings
- 2025-05-29 [Broken Arrow murder-suicide: another family wiped out - Broken Arrow Sentinel](https://news.google.com/rss/articles/CBMiggFBVV95cUxNeTNxT2pvU19WaXo5VHJJREFIaVhPdnlxUmExZjN2a3lMOXBxN0RXZWFlNTJOYy15ZXdDNmc1YktocTREaVVTUnNkRDBPUUMxalYxTEF5ajY1eGdPZGZXeDVTdFZpOFZRblJWUzJTYzNJUkhNQ19wd2J4Sm0wRnR0NjVn?oc=5) · Broken Arrow Sentinel
- 2025-04-08 [Best Banks and Credit Unions in California 2024 - Newsweek Rankings](https://news.google.com/rss/articles/CBMikgFBVV95cUxONWFxRkExWV9IblE1OXl5eFotT1dhMHZRdHpzc1dWU1JvUGI2dF9YNXMtcmZGdE5JUkU3eTh4aWgxT2lIWDlTcUpfdGpSUUY2c251amFFX2VrVUstYVVZbzhwdndHS3JONjM5WlF2MDNNMXVvQ3Q4dlJJN19jMmFEMy1Rc1VtMm5ua0o5UnQ4RUJFZw?oc=5) · Newsweek Rankings

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=4146 (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/50.json (key "4146", 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