# CITIZENS STATE BANK
OKEMAH, OK · FDIC certificate 419 · asset band <$300M · latest filing 2019-12 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 6 (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 | $58.7M | |
| Deposits | $43.7M | |
| Loans and leases | $26.0M | |
| Total equity | $13.1M | |
| Loans / deposits | 57.38% (p22 of band) | 76.58% |
| Liquid assets / assets | 51.66% (p84 of band) | |
| Uninsured deposits / deposits | 28.43% (p86 of band) | 16.53% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.99% (p57 of band) | |
| FHLB advances / assets | 1.99% | |
| Tier 1 leverage | 22.91% (p94 of band) | 11.42% |
| Unrealized securities loss / equity | 1.93% (p75 of band) | 0.65% |
| AOCI / equity | 3.97% (p69 of band) | |
| ROA (annualized) | -5.24% (p0 of band) | 1.01% |
| Net interest margin | 3.06% (p15 of band) | 3.82% |
| Efficiency ratio | 188.06% (p99 of band) | |
| Noncurrent loans | 9.96% (p99 of band) | 0.52% |
| Net charge-offs (annualized) | 0.22% (p88 of band) | |
| Reserve coverage of noncurrent | 33.81% | |
| Real estate % of loans | 69% | |
| Construction % of loans | 6.77% (p33 of band) | |
| Auto loans | $808,000 (3.11% of loans; DQ 4.46%, NCO 0.01%) | |
| Loans to nondepository financials | $403,000 (3% of equity) (p97 of band) | |
| Deposits YoY | -37.1% | |
| Employees | 26 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | brokered >10%, wholesale funding >15%, liquid assets <10%, reserve under noncurrent |  |
| 2011-06 | 5 | loans exceed deposits |  |
| 2011-09 | 5 |  |  |
| 2011-12 | 4 |  | loans exceed deposits |
| 2012-03 | 4 | capital falling | reserve under noncurrent |
| 2012-06 | 4 | loans exceed deposits | capital falling |
| 2012-09 | 5 | reserve under noncurrent |  |
| 2012-12 | 6 | capital falling |  |
| 2013-03 | 5 |  | capital falling |
| 2013-06 | 6 | loans-to-lenders >50% equity |  |
| 2013-09 | 6 | deposits shrinking, assets shrinking | liquid assets <10%, loans exceed deposits |
| 2013-12 | 6 |  |  |
| 2014-03 | 6 |  |  |
| 2014-06 | 4 |  | deposits shrinking, assets shrinking |
| 2014-09 | 5 | capital falling |  |
| 2014-12 | 8 | loans exceed deposits, uninsured deposits >50%, liquid assets <10%, run vulnerability | capital falling |
| 2015-03 | 4 |  | loans exceed deposits, uninsured deposits >50%, liquid assets <10%, run vulnerability |
| 2015-06 | 7 | loans exceed deposits, liquid assets <10%, capital falling |  |
| 2015-09 | 5 |  | loans-to-lenders >50% equity, capital falling |
| 2015-12 | 7 | loans-to-lenders >50% equity, uninsured deposits leaving |  |
| 2016-03 | 9 | deposits shrinking, assets shrinking |  |
| 2016-06 | 8 |  | uninsured deposits leaving |
| 2016-09 | 7 |  | assets shrinking |
| 2016-12 | 10 | capital falling, losing money, expense ratio p90, assets shrinking, uninsured deposits leaving | loans exceed deposits, liquid assets <10% |
| 2017-03 | 7 |  | capital falling, losing money, expense ratio p90 |
| 2017-06 | 8 | losing money, expense ratio p90 | reserve under noncurrent |
| 2017-09 | 9 | charge-offs p90 |  |
| 2017-12 | 9 |  |  |
| 2018-03 | 9 | NIM <2.5%, noncurrent p90 | loans-to-lenders >50% equity, charge-offs p90 |
| 2018-06 | 8 | reserve under noncurrent | uninsured deposits leaving, losing money |
| 2018-09 | 8 |  |  |
| 2018-12 | 8 |  |  |
| 2019-03 | 9 | losing money, charge-offs p90 | NIM <2.5% |
| 2019-06 | 9 |  |  |
| 2019-09 | 7 |  | brokered >10%, wholesale funding >15% |
| 2019-12 | 6 |  | charge-offs p90 |

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

- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2019-12-04 [BANCFIRST TO ACQUIRE CITIZENS STATE BANK - Okemah News Leader](https://news.google.com/rss/articles/CBMijgFBVV95cUxNWGZCZmxuMFpuVVplYjdfNXNldlM0VktndUhSY3VyU3hSQVprM203Z09IczFORXdrVUVOQWphWVRYS1ctN0M2dlhCNXYySGh3Mmkyai14U2RNaWlrRVlHNV82dkZmUXd3aWUzSm9zODhFWUFUQXFFNHRpY1lqektyenJ1aHZ2VUFEZHJpSnBn?oc=5) · Okemah News Leader
- 2025-10-07 [Regional Banks, CUs: 3 Proven Strategies to Drive Growth - Resourceful Finance Pro](https://news.google.com/rss/articles/CBMifEFVX3lxTFAxR0V1c1lIRy1GXzQtSGNTNk9EM3N6NjM2M3FzT0p2b2hTUDc2aEw2NVR2Z0lUaDBUYXRTckJsanRGWXdsenQ1SnU3SEw3bldSSWhEcmNqLWdMMVNIM3R1Sks5a2FoZy0xTkpoUkVOaVJISDFDd01PR3IzM3I?oc=5) · Resourceful Finance Pro
- 2025-06-16 [News | Citizens State Bank acquires land in Royal Oak, Michigan, for headquarters - costar.com](https://news.google.com/rss/articles/CBMitAFBVV95cUxQb0dfNTktbllFRUdfdTRfWXpNU19hVnh0MzhQUFBnbFpVTWtlZHhJcXhJZFRPVHdzZFQzZWVBbllCMU01UzExRXAxak9pT196YWtlTm5oUGdxbTh1WXBrUXl4YjJLQm1mX1dnRWtSNWtMbjR5WHVfQXdCd2ttcnljc2x5cHBCLWlUaVdveF9GengxNV9uSDJpZDJRRG96TFUtOElZNGtXaEpqZlJSVHg3NnRJajQ?oc=5) · costar.com
- 2017-08-29 [SpiritBank, Citizens State Bank of Okemah dropped from fraud claim - journalrecord.com](https://news.google.com/rss/articles/CBMipgFBVV95cUxOdWl1VHlWZW5JWUJ1X2ZlTFpESXBjSU1NbjBrUzV5Qjl3NkxFMlBndkh4UmVpREV3RlBnX09XNV9yaUtzRUowUmJkSDB6cHJCeG5aQ2NVbllDcEpNc2htNHdFQ0VhR0VwaTFyLTI3YzVPVHB0aEZPakZIMy0wMFZ1aHJnVVIwVE9FMWlmZ3Joa0JrcmdEeTZ4N3lybXhsMVdETHhqOGh3?oc=5) · journalrecord.com
- 2026-04-01 [Johnny Brooks is Mr. East Texas for 2026 - easttexasnews.com](https://news.google.com/rss/articles/CBMiwwFBVV95cUxPUU5nR3paTkFUYWxyUzZHZHBtamRSbEpZSklZRnU1RmZTWjVzYnR1UEhuSVBjUXd2aHJRSXNfZXlHWFFtQnNWN0E1NE5NWXdfSGJHRGJPaDdRaXRlSnJ5MUZvcnVGUDc5Ymg3dUZuNHo0dDlpVXMzaGRhd1VFa1JUOFFVY1Vjc0wtQ05fSENLbURKVzJsRWQzb2JRM1V5Q0JFZGF2aUE5cWhMVzBMUTZ1TS12cWxmQjY5VFBOR3BpNElrTGs?oc=5) · easttexasnews.com
- 2024-06-12 [Citizens State Bank opens Montrose branch - Montrose Daily Press](https://news.google.com/rss/articles/CBMixAFBVV95cUxOaVByTEdNMWJ4WTZJZEVSdUFQdnpucDhoRGJHSjN0aDNpWTY1dXdCTGk4R2pkVlo2dm90ektDNHdmVVlDZG9XbmxLeVRTdkh5aEhuMlpqY0hLUnVoREZSQzlzLVRxZjRJaG5ObFREUzhPMEdCNTJ3RmN5OFNDV1ljSjc5ek04aTNJVHlaODFjT3VwODNiYnJNMi1iZWJETUMtMVdYdUxwVlk0UGc4MWEwR0xHT2FDcGpWYmo2bXljdHUyRWxJ?oc=5) · Montrose Daily Press
- 2015-12-30 [Former Citizens State Bank building at 601 NW 23 in Oklahoma City will be developed into retail, offices mix - The Oklahoman](https://news.google.com/rss/articles/CBMilgJBVV95cUxOX3dWVldDYkFtazQzaXVsMUlGRTh5d0xnOHpHeXVYcU1rbU1YdkhiWkNsRUZEX0VEQ3I2QzBMQ0N3anRzVFVHSFI4NHpmRGk0ak9WYWZkV0RIQks0X2x6NVRva2lKN0loWFBGN0dYWkJZNTRHQjRKMDk0dlhQMTBhNHBjSjBiSWpCU1hFZ2hYcUcwRGx4WmFsSEJXSHE0OUlCZk83U1ZLVHNuWlhQS1QzdW00YmtxSzlGX1VCV3NVQUFZQXFTUTNFZWJEN1FRU0xJbDhPa1pYcnVmVF9Na2p6VXNndVd2VU8tTEIzZllvYVJEbTFUVXZEREYyZFJybGc3OFZpZXZ1ZVMwQUFmT2dFUnlsUV95Zw?oc=5) · The Oklahoman

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=419 (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/35.json (key "419", 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