# SOUTHWEST STATE BANK
SENTINEL, OK · FDIC certificate 4195 · asset band <$300M · latest filing 2015-03 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. 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 | $93.3M | |
| Deposits | $80.9M | |
| Loans and leases | $56.1M | |
| Total equity | $9.7M | |
| Loans / deposits | 68.14% (p46 of band) | 70.43% |
| Liquid assets / assets | 38.52% (p58 of band) | |
| Uninsured deposits / deposits | 13.23% (p49 of band) | 13.33% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.87% (p59 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.65% (p34 of band) | 10.49% |
| Unrealized securities loss / equity | 20.17% (p100 of band) | 1.32% |
| AOCI / equity | 0.91% (p67 of band) | |
| ROA (annualized) | 2.34% (p96 of band) | 0.80% |
| Net interest margin | 3.93% (p70 of band) | 3.57% |
| Efficiency ratio | 51.48% (p8 of band) | |
| Noncurrent loans | 0.38% (p35 of band) | 0.77% |
| Net charge-offs (annualized) | -0.18% (p3 of band) | |
| Reserve coverage of noncurrent | 483.41% | |
| Real estate % of loans | 53% | |
| Construction % of loans | 49.62% (p82 of band) | |
| Auto loans | $1.4M (2.49% of loans; DQ 3.36%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -7.0% | |
| Employees | 14 | |

## Flags firing in the latest filing

- **deposits shrinking** (`shrink_deposits`)

## 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 | 1 |  |  |
| 2012-03 | 2 | deposits shrinking |  |
| 2012-06 | 3 | uninsured deposits leaving |  |
| 2012-09 | 3 | capital falling | uninsured deposits leaving |
| 2012-12 | 0 |  | reserve under noncurrent, deposits shrinking, capital falling |
| 2013-03 | 1 | reserve under noncurrent |  |
| 2013-06 | 0 |  | reserve under noncurrent |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 2 | deposits shrinking, assets shrinking |  |
| 2014-06 | 2 | uninsured deposits leaving | assets shrinking |
| 2014-09 | 2 | assets shrinking | uninsured deposits leaving |
| 2014-12 | 1 |  | assets shrinking |
| 2015-03 | 1 |  |  |

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

- 2011-01-12 [Redneck Bank attracts customers with fun - The Oklahoman](https://news.google.com/rss/articles/CBMixwFBVV95cUxPNDgxQjQ3djVGSFpfNDRsSzFGTVp4dG5TNDlVR3lVX09XMXVEYmdQQXVHYzZxQWwwbWdtQmVNd1Zvb2tlWWdzM2Q1VVRzZVhrTHlWbE1GRE5RLWlRcTVXYUI4NW10aTRtUm9IZ09OYWdQbjNiNVJ2SzlQSFRaWVZjNG55V09jQlNOcFI1TWRyTTJNQ1poa3ZYbVg0U2FnOUs3bjVidVhmYlRwSk9wYUY3SUpmRzFXbUZXR2pNT21DM2I3eEt2ZXo0?oc=5) · The Oklahoman

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=4195 (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 "4195", 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