# STROUD NATIONAL BANK
STROUD, OK · FDIC certificate 4204 · asset band <$300M · latest filing 2021-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. 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 | $93.0M | |
| Deposits | $80.7M | |
| Loans and leases | $44.6M | |
| Total equity | $10.2M | |
| Loans / deposits | 54.63% (p32 of band) | 64.60% |
| Liquid assets / assets | 47.42% (p65 of band) | |
| Uninsured deposits / deposits | 19.95% (p57 of band) | 18.23% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.03% (p55 of band) | |
| FHLB advances / assets | 1.03% | |
| Tier 1 leverage | 11.28% (p60 of band) | 10.53% |
| Unrealized securities loss / equity | 1.18% (p58 of band) | 0.67% |
| AOCI / equity | -5.81% (p8 of band) | |
| ROA (annualized) | 2.20% (p89 of band) | 1.00% |
| Net interest margin | 5.90% (p99 of band) | 3.26% |
| Efficiency ratio | 65.87% (p44 of band) | |
| Noncurrent loans | 2.45% (p90 of band) | 0.41% |
| Net charge-offs (annualized) | -0.10% (p4 of band) | |
| Reserve coverage of noncurrent | 49.95% | |
| Real estate % of loans | 61% | |
| Construction % of loans | 9.91% (p43 of band) | |
| Auto loans | $1.6M (3.64% of loans; DQ 0.00%, NCO -0.04%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 28.0% | |
| Employees | 28 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **noncurrent p90** (`aq_noncurrent`)
- **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 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 2 | uninsured deposits leaving |  |
| 2012-12 | 0 |  | reserve under noncurrent, uninsured deposits leaving |
| 2013-03 | 1 | reserve under noncurrent |  |
| 2013-06 | 2 | charge-offs p90 |  |
| 2013-09 | 0 |  | reserve under noncurrent, charge-offs p90 |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 2 | capital falling, charge-offs p90 |  |
| 2015-06 | 1 |  | capital falling |
| 2015-09 | 1 | reserve under noncurrent | charge-offs p90 |
| 2015-12 | 2 | noncurrent p90 |  |
| 2016-03 | 1 |  | noncurrent p90 |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 3 | noncurrent p90, assets shrinking |  |
| 2017-03 | 5 | deposits shrinking, uninsured deposits leaving |  |
| 2017-06 | 2 |  | noncurrent p90, assets shrinking, deposits shrinking |
| 2017-09 | 3 | charge-offs p90, deposits shrinking | uninsured deposits leaving |
| 2017-12 | 2 |  | deposits shrinking |
| 2018-03 | 1 |  | charge-offs p90 |
| 2018-06 | 0 |  | reserve under noncurrent |
| 2018-09 | 3 | expense ratio p90, noncurrent p90, reserve under noncurrent |  |
| 2018-12 | 1 |  | expense ratio p90, noncurrent p90 |
| 2019-03 | 2 | charge-offs p90 |  |
| 2019-06 | 1 |  | charge-offs p90 |
| 2019-09 | 2 | noncurrent p90 |  |
| 2019-12 | 4 | deposits shrinking, assets shrinking |  |
| 2020-03 | 2 |  | deposits shrinking, assets shrinking |
| 2020-06 | 2 | capital falling | noncurrent p90 |
| 2020-09 | 2 |  |  |
| 2020-12 | 3 | noncurrent p90 |  |
| 2021-03 | 3 |  |  |

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

- 2026-02-25 [Danny Lee Winchester Obituary Feb 24, 2026 - Parks Brothers Funeral Service](https://news.google.com/rss/articles/CBMiaEFVX3lxTE9IbEVHdTFxbzA1Qm5aaW8xRzF2MHAwLUdCTEtHVGpPYmhYZ05vR1ZnWUdPU3BxcmpVNVNUVGI4V1oyMVZXN3dUNWZ1WjBjS3Q4eEpuNmpmRl82SkxIX1JVNHROR3ExU292?oc=5) · Parks Brothers Funeral Service
- 2026-08-24 [W. D. "Bill" Sasser Obituary (2026) - Perkins, OK - Dighton-Marler Funeral Home - Stillwater - legacy.com](https://news.google.com/rss/articles/CBMifkFVX3lxTFBfNDJIRFJHSnlDZDBTZnd5RTJvSjdHNUp0UXBNaG1JTzBJeWZWUkZVVmQ5T3hlVTFUWTJmeXFBRFFnQTZzR3BOWUNQcG9lUmZzN0htV0NvMlNYcW9WVU1Kd253cDZVQWo1Wm96WDEtT2d4WVFJUWVxdjdRWTRWZw?oc=5) · legacy.com
- 2019-07-16 [Girlfriend not giving up hope as Stroud firefighter fights for his life after crash - koco.com](https://news.google.com/rss/articles/CBMivgFBVV95cUxQdVNxUmh1WW9nMTNuSTllbVhmd29aQVJVQXZyYWhJOExPSG1FZE4tWnREZTdKOUh3WVVrQWNOd2lfUFdJOGI5bmkyREpXaW9Jd0I5OW5iQ3BvZHRBVXIxRkZSZV9rUENKMG9ldGxUU2loc2hfekNMSmQyWENWNlFyT2szamYzS2ZfQ1AyRTNKbVgtOTJNVTdocmVVbFRrU3RDLTIydFFBNkZ3SWM1OVd2SUZwQ21SUDhUUktCbDlB?oc=5) · koco.com
- 2019-08-06 [Billie Joy Wheeler Obituary Aug 6, 2019 - Parks Brothers Funeral Service](https://news.google.com/rss/articles/CBMia0FVX3lxTE80RldUOVU1ekM1c2RybUNXcGdJZzNqYVFBYzVDQ0xWZUxCUGdFMVdXTDdaMmU2Qk9DdVpJeFFoT3puTU9nN0U2VzQ1VU9Ydk9Lb3ZfLW9zai1xY2t6bnNkU3hiOVh1ZzcyLVpJ?oc=5) · Parks Brothers Funeral Service
- 2026-05-26 [Denise Ann Morelock Obituary (2026) - Stroud, OK - AE Funeral Services - Shawnee - legacy.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxQZWFtZnp4RHJDRUN2M3A4dzc5eUZHRDN5MnpVUWQ1OURGZzI2U002RHJSWmppUkpHNVphb1IyTnc5N2c2N3h2WFhSRzFOMUpfUDc4Ylp0YXFfVWZUT2Q2RWVPVzM4TWlraUZMNW5nQU5BVEhQV2U3ZUhJVjBhR1RULUs2TlM?oc=5) · legacy.com
- 2018-10-03 [Herman Wayne Werschky Obituary Oct 3, 2018 - Parks Brothers Funeral Service](https://news.google.com/rss/articles/CBMib0FVX3lxTE1CUWZfUE1NcjJpQm8yYmtTODVuQ2p1ZnZlZUREV0ZDUXpPUVRLV0xLNUJ3X252dzREY3I4MWY2ODJ4M2pTTVg4djdNTXB4VDhfV3pFMVFnMVFtSHFuSEkxbGNoT2RWSkNqallMS1lZNA?oc=5) · Parks Brothers Funeral Service
- 2024-11-10 [Troy James Swafford Obituary Jun 21, 2007 - Parks Brothers Funeral Service](https://news.google.com/rss/articles/CBMibEFVX3lxTE1tcE9naTg3d1dWR0w4YUo1MW1Jd3dpa29JazVKZ2tvakpiOFhaeHRsZGpTNVF0SnV1X2JVVkZISGlES1BabVNsM2NldnQ4Zk92RnRnLWNTU1ItTGoyM1VUOHFVUHF4MXZtR3ZKMQ?oc=5) · Parks Brothers Funeral Service
- 2019-09-21 [Antowine Narcissus Warrior Obituary Sep 21, 2019 - Parks Brothers Funeral Service](https://news.google.com/rss/articles/CBMidkFVX3lxTE5iaDhIUW44c2JDdHBVb3hVRU1fQi02cXVwNWtrV2FMOWF4R0dsUDEyWXpQaFRMOXRkREkwNGxTUF81S2t1VFJoV0w0bVVXZlpnbWRLQzJycFZTTHdxa1ZSeWV4R3NtTFp6bEpuNktiZ0JNNmZPd0E?oc=5) · Parks Brothers Funeral Service

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=4204 (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/44.json (key "4204", 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