# OKEMAH NATIONAL BANK
OKEMAH, OK · FDIC certificate 4163 · asset band <$300M · latest filing 2011-09 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $70.4M | |
| Deposits | $55.8M | |
| Loans and leases | $30.5M | |
| Total equity | $12.7M | |
| Loans / deposits | 54.50% (p21 of band) | 71.39% |
| Liquid assets / assets | 49.33% (p80 of band) | |
| Uninsured deposits / deposits | 14.14% (p78 of band) | 8.02% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p16 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 14.88% (p88 of band) | 9.99% |
| Unrealized securities loss / equity | 4.61% (p57 of band) | 3.72% |
| AOCI / equity | 4.68% (p77 of band) | |
| ROA (annualized) | 0.94% (p62 of band) | 0.72% |
| Net interest margin | 4.89% (p93 of band) | 3.86% |
| Efficiency ratio | 69.07% (p41 of band) | |
| Noncurrent loans | 0.40% (p24 of band) | 1.48% |
| Net charge-offs (annualized) | 0.03% (p34 of band) | |
| Reserve coverage of noncurrent | 69.67% | |
| Real estate % of loans | 67% | |
| Construction % of loans | 1.18% (p18 of band) | |
| Auto loans | $1.6M (5.14% of loans; DQ 1.72%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | – | |
| Employees | 20 | |

## Flags firing in the latest filing

- **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 |  |  |

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

- 2021-08-13 [A City Treasure: Longtime Resident, Raymond Overall, Shares Memories of his Time in Okemah - Okemah News Leader](https://news.google.com/rss/articles/CBMizAFBVV95cUxNbkR5TnlJLU42M3hFdk9uMEs2UU1hVXcxTlB2ZDRRTzgxTXJJeDBfZjZVSDJrUXdDTVhBYzlGdXl1Y1g4SVNDWUpqZ280NnhCd2VfUXFQYU5VWmgyYkJPeXFBVEJvWWVtQ0IyUE1mc3lFZzhyc2U3M3lQa3pQdjI0VFhoeUxQSUFXSnVuYklTVGpZX2M1ckFHM2ExVzdzeWI3QTFTeTZHbVkxZThlbGVMOUowc0N4VVJyZTdBVFVvNWUxTUE5Wk1HTklhT3o?oc=5) · Okemah News Leader
- 2011-02-19 [Community Mourns Okemah Child's Death - KTUL](https://news.google.com/rss/articles/CBMiZEFVX3lxTE5hLXUxWndKVG5UbkFrYV8wcUpQTTZrLVh5bXhKczZUZ1ljSU0wYTd0ODJjQkdvb25QcWFiNlRILURGLWdWZ1VZZENZb0NINXBzYlJ6c2hSU3VIYTl1MzNxRkNaN18?oc=5) · KTUL
- 2022-01-18 [Charlene Marie Underwood Obituary (2022) - Wetumka, OK - Parks Brothers Funeral Home - Okemah - Legacy obituary](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQak8yYXYzZU1qMUo2Ny1wUEpzMGV3QjA3OTB4bU8wNktqaEhwZEFkRkdUTkxlY19URTFLQXN4Y1FjQ0ZDdjA1UEJIbWNzTWlhTk1HSmNrMnBHaEZvQmtNMHhmY242UFFpX0YtQzBsM3Rrak1KOThmaG9QN1pEUVdDVnhpajY3U2ts?oc=5) · Legacy obituary
- 2021-11-03 [Joan Elaine Thomas Obituary (2021) - Wetumka, OK - Parks Brothers Funeral Home - Okemah - Legacy obituary](https://news.google.com/rss/articles/CBMif0FVX3lxTE9WYURMeldkaEVzTFBQbFhXZEx1NFhZUHFCek51TXBDbVlKWWZZeVJmZXNNa0E1YkFRY3F2UXhDNVFxT1pFUTlvaGp5d1FWUmltRFFyaEZpWHlMUlhLOWY5SXI1VE0ycHhZN2ZMTHNXMGtJYkh0bUprTXRGSFF2eG8?oc=5) · Legacy obituary
- 2008-01-29 [An Oklahoma Gangster’s Impact On U.S. Gun Laws - News On 6](https://news.google.com/rss/articles/CBMinwFBVV95cUxQWHU3SC1mUWZBWUdPRnBvLWRTRTM2c2RUcG40Nl9GWVFGRjJzV21Wc0RVdkNaX1FzVUdqMEt3QWpua0NLUmRZMFpnNlJ5dm83YnRzbU15anJ5SGx1WXNLanQ2QnhyZW9IMDA0dTkydW9Nc0hIckNscmViTm55R194QzEwZkZ5SkZhSE5USWVSblk1b2Fvdl9tVE1kdklVSVU?oc=5) · News On 6

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=4163 (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/3.json (key "4163", 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