# MORRIS STATE BANK
MORRIS, OK · FDIC certificate 429 · asset band <$300M · latest filing 2018-06 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 4 (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 | $76.3M | |
| Deposits | $64.4M | |
| Loans and leases | $56.8M | |
| Total equity | $6.5M | |
| Loans / deposits | 87.32% (p69 of band) | 76.78% |
| Liquid assets / assets | 23.13% (p34 of band) | |
| Uninsured deposits / deposits | 12.51% (p38 of band) | 15.22% |
| Brokered deposits | 11.04% | |
| Wholesale funding | 17.91% (p94 of band) | |
| FHLB advances / assets | 5.68% | |
| Tier 1 leverage | 8.83% (p11 of band) | 11.19% |
| Unrealized securities loss / equity | -4.83% (p29 of band) | -2.38% |
| AOCI / equity | -0.32% (p73 of band) | |
| ROA (annualized) | 0.81% (p36 of band) | 1.00% |
| Net interest margin | 4.26% (p77 of band) | 3.78% |
| Efficiency ratio | 60.20% (p25 of band) | |
| Noncurrent loans | 0.38% (p42 of band) | 0.57% |
| Net charge-offs (annualized) | 0.07% (p80 of band) | |
| Reserve coverage of noncurrent | 260.65% | |
| Real estate % of loans | 76% | |
| Construction % of loans | 26.79% (p62 of band) | |
| Auto loans | $3.2M (5.64% of loans; DQ 1.12%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -5.8% | |
| Employees | 20 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **deposits shrinking** (`shrink_deposits`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | reserve under noncurrent |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 0 |  | reserve under noncurrent |
| 2012-06 | 0 |  |  |
| 2012-09 | 1 | uninsured deposits leaving |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 0 |  | uninsured deposits leaving |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 0 |  | capital falling |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 2 | brokered >10%, wholesale funding >15% |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 1 |  | wholesale funding >15% |
| 2017-06 | 1 |  |  |
| 2017-09 | 3 | wholesale funding >15%, uninsured deposits leaving |  |
| 2017-12 | 4 | deposits shrinking |  |
| 2018-03 | 4 | capital falling | deposits shrinking |
| 2018-06 | 4 | deposits shrinking | capital falling |

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

- 2025-03-02 [James Robert Dewitt Obituary Sep 6, 2013 - schaudtfuneralservice.com](https://news.google.com/rss/articles/CBMid0FVX3lxTE5ncEJiT2ZlSkNTOXFPUmYwaktvNERiRFBPUTQ0cWtPcF9FUm5qQXo2bC1FWjgyTjY3djdnMjM2a3hYUUlQcmpUNDIyN0RwMkdNd3lMY09CeVBHb0ZZU2hxRGRBOVhvOU5IWXM1UTRKandQWnBhaHJV?oc=5) · schaudtfuneralservice.com
- 2018-07-09 [Dorothy L. Buss Obituary Jul 9, 2018 - Opsahl-Kostel Funeral Home & Crematory Inc.](https://news.google.com/rss/articles/CBMiWEFVX3lxTE1NSDk1cVpLQnlPX3o3Zk1ibEZrbUdlREZPZWN0RHJnQXdzc1ltZDJKS3FqR0k5ODBiOFpvaFhNWW9Lb1BORWd4a3Q2eUpvc2ZDdHhndTloWVE?oc=5) · Opsahl-Kostel Funeral Home &amp; Crematory Inc.
- 2024-08-04 [Rose Marie Goodman Obituary Dec 12, 2007 - schaudtfuneralservice.com](https://news.google.com/rss/articles/CBMidkFVX3lxTFBvYU05QlRvUDZZVm82VGpqbVRqeWpGdEFpZkJEUm1vOWFTUDBiTW1vbUs4TDJpaDFvN2FUMkNLR2xjTVdQdlBERk5CMVV4V0RfRlNMSVFvYVhIOWlSWVpma1VIcDZQMkw2anVCQkZvakdPbHVVS1E?oc=5) · schaudtfuneralservice.com
- 2008-05-18 [William Harry Goodman Obituary May 18, 2008 - schaudtfuneralservice.com](https://news.google.com/rss/articles/CBMiekFVX3lxTFBwMFRab3ZFLTY2bFlWZ1V6ekh2dlZ1c0psdDk5SkpMSGpWcFJKeU80QzlMMml0RG1PTkNLandDQlZBUjRtWVZEeGhWRXlCaFNCWDlOaC02SUp0ckx4eXAwejY0NUYwSFYwRm43WWFjeUsxdEsyS21ncC1B?oc=5) · schaudtfuneralservice.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=429 (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/45.json (key "429", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide