# SEILING STATE BANK
SEILING, OK · FDIC certificate 4193 · asset band <$300M · latest filing 2026-06 · live

**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 | $195.0M | |
| Deposits | $175.2M | |
| Loans and leases | $139.4M | |
| Total equity | $19.1M | |
| Loans / deposits | 78.31% (p59 of band) | 73.59% |
| Liquid assets / assets | 24.14% (p30 of band) | |
| Uninsured deposits / deposits | 27.68% (p76 of band) | 19.81% |
| Brokered deposits | 7.70% | |
| Wholesale funding | 7.70% (p80 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.54% (p33 of band) | 11.76% |
| Unrealized securities loss / equity | -10.41% (p39 of band) | -6.57% |
| AOCI / equity | -0.54% (p43 of band) | |
| ROA (annualized) | 1.60% (p72 of band) | 1.17% |
| Net interest margin | 4.11% (p59 of band) | 3.93% |
| Efficiency ratio | 70.05% (p60 of band) | |
| Noncurrent loans | 0.00% (p25 of band) | 0.36% |
| Net charge-offs (annualized) | -0.42% (p0 of band) | |
| Reserve coverage of noncurrent | 36800.00% | |
| Real estate % of loans | 49% | |
| Construction % of loans | 38.68% (p72 of band) | |
| Auto loans | $1.4M (0.99% of loans; DQ 2.10%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 0.6% | |
| Employees | 26 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 2 | capital falling, reserve under noncurrent |  |
| 2011-12 | 1 |  | reserve under noncurrent |
| 2012-03 | 1 |  |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 0 |  | capital falling |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | capital falling |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | uninsured deposits leaving |  |
| 2016-06 | 0 |  | uninsured deposits leaving |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | capital falling |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | capital falling |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2020-03 | 1 | capital falling | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2020-06 | 1 |  |  |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2021-03 | 0 |  | noncurrent p90, reserve under noncurrent |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 2 | brokered >10%, reserve under noncurrent |  |
| 2022-03 | 2 | capital falling | brokered >10% |
| 2022-06 | 4 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 5 | brokered >10% |  |
| 2022-12 | 5 | wholesale funding >15% | reserve under noncurrent |
| 2023-03 | 4 | charge-offs p90 | capital falling, AOCI drag >20% of equity |
| 2023-06 | 2 |  | wholesale funding >15%, charge-offs p90 |
| 2023-09 | 3 | wholesale funding >15% |  |
| 2023-12 | 2 |  | securities losses >30% of equity |
| 2024-03 | 3 | capital falling |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 2 |  | capital falling |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 | charge-offs p90 | wholesale funding >15% |
| 2025-06 | 3 | uninsured deposits leaving |  |
| 2025-09 | 2 | wholesale funding >15% | charge-offs p90, uninsured deposits leaving |
| 2025-12 | 3 | losing money, charge-offs p90 | wholesale funding >15% |
| 2026-03 | 0 |  | brokered >10%, losing money, charge-offs p90 |
| 2026-06 | 0 |  |  |

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

- 2026-06-24 [UPDATE: Seiling State Bank to conduct mock robbery training on June 29 - Woodward News](https://news.google.com/rss/articles/CBMi6AFBVV95cUxOemJteU9OS3k5TkpucVFEZmkwTDgtRnVSVkxtd2FaOEdYZEdNSGNuc3dTRTRLOE1rb2pQcjNtWFEtMkk5ejY1dVc4Tjg1RjF2V0MxTGEyblRQem1ySnNpNEhua1FPSnU3Rk5zamM1VVJuNkJ0WWFPaWh5bURtaUQ2VVltdG13dWxlYkprUW4yc2dYQVQzNGRSMmJQY1ZOeVBqckFvSl82UWhKNWJ3c2duV19FREJGY1hmcVMwZzVaa2xCRGc5UmRfQkVGQ1JrTjJob1A0YUQxV0FHTzF4ckZmb2ZkLUxCZExh?oc=5) · Woodward News
- 2026-07-24 [Woodward bank robbery suspect in custody after arrest blocks away - News 9](https://news.google.com/rss/articles/CBMid0FVX3lxTE50QlA3V3BUdnhiUngwRmFJU3A4ZWVjTkotYnFUMUNUcG5CTlB5ZC1sS1JEOFpzQ21UQWk3SGVGaS1ZbUczVjRfem1mT0QtalRFTlZpczEzdDVuOG45cFNNT0N0bzBvc3c5cTBXLVZGd3JnWExZVDg4?oc=5) · News 9
- 2021-09-14 [Local bank president named Chairman of the Community Bankers Association of Oklahoma - Guthrie News Page](https://news.google.com/rss/articles/CBMiswFBVV95cUxOVlJ5aWZpNklUN3JPWnhrdExjRndBREQtNEJTTURFQzhmUURTY3ROUWVxM21GTVlHRWpyRmlzWmg2azkzTElBVHN6ZTlBUmVGcHBsU1RGaVFGbzYxRGs2cXAwNUppLWlwRWl5MmdtSHZRbnI1ZnJ4SEU4ZVBQM085SWFXRmxmVms2c2lQNE83RnctTkFfOXlVVmZSUDJHMVN5ZlkzaWdLeXVyblhYMS1wNkVqZw?oc=5) · Guthrie News Page
- 2025-04-03 [CTB Sports Honors 2024-2025 Girl’s and Boy’s Basketball Allstars With Janzen GMC Awards Banquet - EnidLIVE!](https://news.google.com/rss/articles/CBMi3AFBVV95cUxPaDVxRDBTSURteU16ZmhQVGlhLWhZUjR3OEpsZzhxUUJEUlNDdEFiQTJmdDNFcDhUSmlqUDh2VHNFUTJHVktzVHNNWEluZGpmVlBqWGZFQVhtU0ZuUHFZc0tGLVhaME1WVjJhQzZfaGdRdVRUZmVBazNPb05DR2Q4cV9BZjYtSXlqLWZXa21nTGRUSXJvWEJoWjZ3RWlUQ1lIUGYtVmZlNWJvSldnNXdkSXk1cGt0U3hRa0c4RnlSMlFnTlZKRjBHOGpITTBtTW84Y3ROT2VtWWtpaHRF?oc=5) · EnidLIVE!
- 2016-11-03 [Dewey County sheriff eager to return to work after being shot by Michael Vance - koco.com](https://news.google.com/rss/articles/CBMitgFBVV95cUxQc2Jqb19VSkljTENGS2M4N0VyUHc4TnlJdnE5aTU3cWNzcXcwMlEzcUZwOFVVNnAzYVhNWExhVWZ4bjFnVmJnbm9FVTBmOWhwc3lxOXQ2N1JuWmdSakxiN3JRMDBrQjFiVVFZSUhjMjhydnNtQUVBa1B4QWNuQUtVQnJnRTd1N0FKckZyb1ZxUERPZjBuMlJlcWo1b1dPUS1hUmt1UDFaVWlrdXgxUlp3ZmdaMk9yZw?oc=5) · koco.com
- 2024-03-07 [Henderson named state finalist - Woodward News](https://news.google.com/rss/articles/CBMiwwFBVV95cUxQaEx6SE5oRXBfakthZk1XdjlvRmN2bDZxdEk0THNfY2Q0dkRtS0hINnEzcldMS2l4RUJBRXgtaFduWHBDdmw4b0J6bDN4RThjN01HM3NLVDJWbV9oeWhRT1VJd3FDdGxhLU81M1ZveTFqOXExWC1haGNDQ2V1c2ZRS3ppeUJkdXBsbmRrM0tPY2QwTm0yb0U3NW1DYmp3NS1DMk5BXzZoeDQ1OWw0VnRhNDd3STVtTXQwRDZCNV84VUpoWm8?oc=5) · Woodward News
- 2023-08-08 [A look back at a lost landmark: Burned building colorful part of local history - Woodward News](https://news.google.com/rss/articles/CBMi8wFBVV95cUxPQzM4Q0JVWUdON016VS1rbkJKQlRFcXRCWkxjcFBqeUxVdEZpMUpFUUxKbTBYdjQ5MnJ1ejNKWXlPR2ZBbWZVRThsbmhqSUJNcFBxc0dBVW9HcGJTQzBVR0dhc3pHSDNRU0Zvd0tsRkswZFR3akpRSkw4Q2V3S2t3Z255dEFaMWxINnk4RG0tMFlIZENDT0I5WHZRZVY3Z3FjeDB6d251cWkycmFGRnJ5XzJ4SVRTNnhjM28yYmZra0tFejNJeWtoQXFNY2RPV29pOFRGZWE0cmhScUItSVVBRGdYMEdlWUUxZlp1dGFqbWZkLW8?oc=5) · Woodward News
- 2017-06-16 [Youth track meet set on June 26 - Woodward News](https://news.google.com/rss/articles/CBMitgFBVV95cUxQRzJSWm1FUGY1NnE4ME1xN21sbDZNMXEzeXZBSFdiNk9PN3RDRXRkcVhjWUtmMW5CMGZuR0l0NFRsSVA3azlmOGlweW9Udk9kY3VwSXlobjZNTFpTZVZCODkwMkE3UVhoZXJ6T1o4dVBOZUY2RkRQZkY4SU13cTBxcWE4YWNXWTNnTVJsT2tiRG1WU1pZQ1g1MTliQl93TGVrNW5kbklxTFRCTG5aZXQzeWc5djlxdw?oc=5) · Woodward News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=4193 (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/33.json (key "4193", 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