# BANK SNB
STILLWATER, OK · FDIC certificate 4201 · asset band $1-10B · latest filing 2018-03 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. 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 | $2.89B | |
| Deposits | $2.14B | |
| Loans and leases | $2.14B | |
| Total equity | $516.0M | |
| Loans / deposits | 99.89% (p78 of band) | 89.39% |
| Liquid assets / assets | 13.35% (p18 of band) | |
| Uninsured deposits / deposits | 25.14% (p48 of band) | 25.84% |
| Brokered deposits | 12.48% | |
| Wholesale funding | 19.89% (p83 of band) | |
| FHLB advances / assets | 7.03% | |
| Tier 1 leverage | 10.13% (p53 of band) | 10.01% |
| Unrealized securities loss / equity | -0.94% (p77 of band) | -2.36% |
| AOCI / equity | -0.53% (p68 of band) | |
| ROA (annualized) | 1.50% (p78 of band) | 1.15% |
| Net interest margin | 4.52% (p93 of band) | 3.58% |
| Efficiency ratio | 47.34% (p12 of band) | |
| Noncurrent loans | 1.31% (p86 of band) | 0.48% |
| Net charge-offs (annualized) | 0.01% (p48 of band) | |
| Reserve coverage of noncurrent | 9.83% | |
| Real estate % of loans | 70% | |
| Construction % of loans | 42.41% (p52 of band) | |
| Auto loans | $2.8M (0.13% of loans; DQ 0.89%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p37 of band) | |
| Deposits YoY | 7.5% | |
| Employees | 355 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | loans exceed deposits, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 4 | charge-offs p90 |  |
| 2011-09 | 5 | losing money |  |
| 2011-12 | 2 |  | loans exceed deposits, reserve under noncurrent, construction >100% equity |
| 2012-03 | 2 | deposits shrinking, assets shrinking | charge-offs p90, losing money |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 3 | charge-offs p90 |  |
| 2013-06 | 3 |  |  |
| 2013-09 | 2 |  | charge-offs p90 |
| 2013-12 | 0 |  | deposits shrinking, assets shrinking |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | capital falling |  |
| 2016-03 | 1 | charge-offs p90 | capital falling |
| 2016-06 | 2 | wholesale funding >15% |  |
| 2016-09 | 3 | brokered >10%, capital falling | charge-offs p90 |
| 2016-12 | 2 |  | capital falling |
| 2017-03 | 3 | charge-offs p90 |  |
| 2017-06 | 4 | reserve under noncurrent |  |
| 2017-09 | 3 |  | reserve under noncurrent |
| 2017-12 | 6 | loans exceed deposits, capital falling, NIM <2.5%, reserve under noncurrent | charge-offs p90 |
| 2018-03 | 3 |  | loans exceed deposits, capital falling, NIM <2.5% |

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

- 2016-12-14 [Simmons First to buy Oklahoma bank in cash-and-stock deal worth $564 million, deal expands operations to seven states - Talk Business & Politics](https://news.google.com/rss/articles/CBMi4wFBVV95cUxNODFUeVB5cHduQzVCSlNNaG5PM1RVVUlmdXdlNGRnUnBEYTdPQWZaM2N1R2k3WWt1M21QeV80M05CQXQtbVFGLVdha3RSY2ctVFI0Mmt2TW9kVTV0RmFFaG1SWng4VlZQMGd2T2s5cVNuc3VmdkJjOHZqeGRFczRIWTVqTXJYTHhfeTZFN0ZfYWRJUnRMTExwbHdBYjUxSlV2d2UzS2d4b2FPaThBSC1NZmpHZi1pREE4QVlWSFlpWlNuZzZlblJSay1WcnN4N2drdFpuNDRidFYwR2JUM25LSnM5UQ?oc=5) · Talk Business &amp; Politics
- 2018-05-29 [Simmons Bank Completes Bank SNB Merger - KARK](https://news.google.com/rss/articles/CBMiggFBVV95cUxObFFsdzBiVEhUbElQSG1KYUlDLXp0NkJqWjlmRWV3VHU1UGJWaUR5TUpSZldPdjVNY0pqUjBlYmRuQTFDMC1GSnJnNzRnS2phaWZBZzFQZGtSaTFtcl90alhjWEtVX3MyS0Zydks1QXM2UndMdlRTeWtQaVE4OTBzeGVn?oc=5) · KARK
- 2016-11-14 [Bank SNB unveils flagship Austin branch in The Domain that looks more like a tech startup - The Business Journals](https://news.google.com/rss/articles/CBMipAFBVV95cUxPdW93X2VHUW8zNnRVRjlrakQxM0xvX1ZxOTdfeElyM2g0S3BqdG5fd1llcVlXdUVKaElhS01NQ01hTWZoaHJsblJMWmVNel9RYm1veVJteHU4ZW5tWmtTa2dBb09DeTlELW9kTE1aQmM1ZW11cTR4aFNUbnAyOHRKdGU2ZVpVd1lUbDdQZVRZb05CSTFLRDY1VXJrVWdLYmI3OXIzRw?oc=5) · The Business Journals
- 2018-05-29 [Simmons completes merger of Bank SNB - Northwest Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMihwFBVV95cUxPejRwR25ZTVgwaURkWXVpUnFzYlhpQmtPSmpUcVdPVm1FUS1FWXBZTXBMYW43djJMODdBa2QwS1U3a3QwekQxOU00VjRRM3ZWMHk4S2dWVWZQLTdVYjRJbHNaVkk3dl9RSTU0X2h5U19RZnp1ejNUMVRsdTlDSWNBUEU3Q1BDcHc?oc=5) · Northwest Arkansas Democrat-Gazette
- 2013-11-02 [CEO: Rebranding positions Southwest Bancorp for growth - The Oklahoman](https://news.google.com/rss/articles/CBMiwAFBVV95cUxNSnQ2blpYZ3k4VGU0blU2OWtSLUVjUW14a1BDOThRV0ZtTmZQMWJhVXVoVzVoRzF4czFTRnFEdFZpZU9ocDVlTlhJTWw2R3VWN0dNajg4WWk0WUwxM2tNcTJKUENXeGxJcmZuSnA0TEpUaW16S2FDaU5GRHNMQkJLbERXdERibFNFenY2aTB0NFBkVE9yUGpWekRXREl6QjdFbWpDcl9oVnRXWDRmbXZPc2FESGRJRnFrM2YtMzlrR3M?oc=5) · The Oklahoman
- 2018-06-07 [Newly chartered Watermark Bank to open - journalrecord.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxPaFRHVGhVRjVXc0k2c1VTTFhFOFFmd0VzY3lpckd6dXZOZFhvZlJZbG1HamlMY3JLLXhiSWxILXE0UXdiMHlMb0JiTFUwS3psZjMyYndMN0ZPNVNEM0FjOEN0UEtuMy1HdFg4MV9hQWhDQUpqbTVHblNsTjFHQTZwR2F3?oc=5) · journalrecord.com
- 2017-10-20 [Simmons First completes acquisitions of Oklahoma, Texas banks, assets now top $14 billion - Talk Business & Politics](https://news.google.com/rss/articles/CBMivAFBVV95cUxNemxoYmQ4dVVWTmhDZGVmMl8xUFo2QW1VSjdIbXdrcVoyX2pYaTlId2l3bDRWRmdlc3djWnBrbjFSOHVrNlBnQkdFQjd3ZEhnN0ZwLXJ0QUdMTnFkbDA4aUZvLXdXNmdiS210M2JwTm5vSzFIbVhqQTd0dk5RVVA4V0tjRGR0NFdSTm9RblJLb0habFhHczFTWFBYaU1oLVV3eGF1eDNjZ1FuR2g3UzZHOVRGZFNZcGJUMjZXQw?oc=5) · Talk Business &amp; Politics
- 2013-10-03 [Stillwater National Bank name to change - The Oklahoman](https://news.google.com/rss/articles/CBMirgFBVV95cUxOaWdheEdhcjlYd1BiSU5KRHVtVUxhbURTWE5pd0kzb2xSWWtRdkpaLW4wSnNiWkJ6TFhtVjN3T0M1ejVXVjhpdWhyRDFJZlAzZ04yZWJNdWw2eE9VMEg1WTFBTzNHTGRjVlpSZVY2cE1nRW9sejAza2JyVmpLV2lkZzExSEJzeGRDVllaRkRKajQ3b2lzam5jU2VDMkJwNV9xcGF3NVdHbjBRVUZUWlE?oc=5) · The Oklahoman

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=4201 (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/41.json (key "4201", 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