# FIRST STATE BANK OF PORTER
PORTER, OK · FDIC certificate 4180 · asset band <$300M · latest filing 2015-03 · stopped filing (departed)

**Verdict on the desk:** this could be *fortress*. 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 | $35.9M | |
| Deposits | $29.9M | |
| Loans and leases | $27.6M | |
| Total equity | $5.5M | |
| Loans / deposits | 91.15% (p85 of band) | 70.43% |
| Liquid assets / assets | 19.31% (p17 of band) | |
| Uninsured deposits / deposits | 11.12% (p40 of band) | 13.33% |
| Brokered deposits | 5.39% | |
| Wholesale funding | 5.39% (p71 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 15.28% (p88 of band) | 10.49% |
| Unrealized securities loss / equity | 0.00% (p16 of band) | 1.32% |
| AOCI / equity | 0.00% (p15 of band) | |
| ROA (annualized) | 2.31% (p96 of band) | 0.80% |
| Net interest margin | 6.63% (p100 of band) | 3.57% |
| Efficiency ratio | 66.61% (p33 of band) | |
| Noncurrent loans | 0.45% (p38 of band) | 0.77% |
| Net charge-offs (annualized) | -0.02% (p16 of band) | |
| Reserve coverage of noncurrent | 318.55% | |
| Real estate % of loans | 52% | |
| Construction % of loans | 3.79% (p27 of band) | |
| Auto loans | $2.4M (8.55% of loans; DQ 1.53%, NCO -0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -1.8% | |
| Employees | 19 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | brokered >10%, wholesale funding >15% |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 3 | capital falling |  |
| 2012-09 | 2 |  | wholesale funding >15% |
| 2012-12 | 2 | loans exceed deposits | capital falling |
| 2013-03 | 1 |  | loans exceed deposits |
| 2013-06 | 2 | capital falling |  |
| 2013-09 | 1 | deposits shrinking | brokered >10%, capital falling |
| 2013-12 | 0 |  | deposits shrinking |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 0 |  | capital falling |
| 2014-12 | 1 | uninsured deposits leaving |  |
| 2015-03 | 0 |  | uninsured deposits leaving |

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

- 2021-07-17 [LC Neel's Obituary, Visitation & Funeral Information - floralhaven.com](https://news.google.com/rss/articles/CBMiZkFVX3lxTE4tc1pXWTdYSjRlbHJpdzUzVTRJQ0tFYXl3TlBERnZVN0EwUjB3M00td1J6VUhLUzU0RVZERmNZeHdRckozM1ViekN2ZFBrRFdMOEpOM0tJUXJnR3g5d0w4M1BSUDgwUQ?oc=5) · floralhaven.com
- 2016-07-16 [Directing Dollars Seen As a Way To Protest Recent Shootings Thousands Make Deposits in Black-owned Banks - ibw21.org](https://news.google.com/rss/articles/CBMi1AFBVV95cUxPMzlyalNual8xbHNZcURKeG9GdlM5MllydW54ZHZYVGh3Y3A0cnJYX1BaNjl0UDlzaUxSWmYyZExaVFA4aGRSZ3h6bXdHN2NodjZBcXd2ZEJGbU4wMjFnbFpiZEFBUjYtZmRRUUJaM2tiNWVnU05OTjJjbGxwVkhObzk3RGJFSTllVWtESF9HYTNOb2tJUkRHVzQzb3dBdmljRWt3R0JRTHFLXzJLTGxlRkRQcEszSVg3eWREQUxjUTJUazlsRTE0TGtMZVdWTGdFdS1seQ?oc=5) · ibw21.org
- 2018-10-02 [Here are all of the banks that currently support Apple Pay - iMore](https://news.google.com/rss/articles/CBMid0FVX3lxTE9ZY3JkQUdrNTNjWmMzVFk2QXBlWExaRnI3bjVsQ28wVlFRWUc5TEVWMm5TWkZ6RmtKTTNZRUhKbExyS25yb2pnRTc5VklBeW13Mzk0aU9MWVNGbHpiMDJUM1pfOVFvdFhCdGpNLUJQVG9ybXYzNlc4?oc=5) · iMore

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=4180 (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/20.json (key "4180", 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