# CENTRAL NB OF POTEAU
POTEAU, OK · FDIC certificate 4181 · asset band $300M-1B · latest filing 2022-09 · stopped filing (departed)

**Verdict on the desk:** this could be *run candidate*. Composite score 3 (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 | $341.7M | |
| Deposits | $296.4M | |
| Loans and leases | $162.8M | |
| Total equity | $38.2M | |
| Loans / deposits | 54.84% (p19 of band) | 72.27% |
| Liquid assets / assets | 41.67% (p72 of band) | |
| Uninsured deposits / deposits | 28.77% (p54 of band) | 27.64% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.84% (p46 of band) | |
| FHLB advances / assets | 1.84% | |
| Tier 1 leverage | 10.22% (p56 of band) | 9.98% |
| Unrealized securities loss / equity | -42.88% (p36 of band) | -28.34% |
| AOCI / equity | -29.13% (p40 of band) | |
| ROA (annualized) | 0.74% (p22 of band) | 1.08% |
| Net interest margin | 2.96% (p24 of band) | 3.33% |
| Efficiency ratio | 69.88% (p69 of band) | |
| Noncurrent loans | 0.66% (p77 of band) | 0.24% |
| Net charge-offs (annualized) | 0.00% (p55 of band) | |
| Reserve coverage of noncurrent | 19.65% | |
| Real estate % of loans | 68% | |
| Construction % of loans | 8.10% (p10 of band) | |
| Auto loans | $9.7M (5.98% of loans; DQ 1.36%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 4.7% | |
| Employees | 81 | |

## Flags firing in the latest filing

- **AOCI drag >20% of equity** (`cap_aoci`)
- **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 | 1 |  |  |
| 2011-12 | 0 |  | reserve under noncurrent |
| 2012-03 | 1 | reserve under noncurrent |  |
| 2012-06 | 0 |  | reserve under noncurrent |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | reserve under noncurrent |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 0 |  | reserve under noncurrent |
| 2014-03 | 1 | reserve under noncurrent |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 0 |  | reserve under noncurrent |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | reserve under noncurrent |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 0 |  | reserve under noncurrent |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | reserve under noncurrent |  |
| 2020-03 | 0 |  | reserve under noncurrent |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | capital falling |  |
| 2021-06 | 0 |  | capital falling |
| 2021-09 | 2 | NIM <2.5%, reserve under noncurrent |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 | capital falling | NIM <2.5% |
| 2022-06 | 2 |  |  |
| 2022-09 | 3 | AOCI drag >20% of equity, securities losses >30% of equity | capital falling |

## 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=4181 (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/21.json (key "4181", 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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