# FIRST NB OF MUSKOGEE
MUSKOGEE, OK · FDIC certificate 57183 · asset band <$300M · latest filing 2012-06 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 2 (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 | $178.9M | |
| Deposits | $161.3M | |
| Loans and leases | $141.4M | |
| Total equity | $14.9M | |
| Loans / deposits | 86.30% (p82 of band) | 69.17% |
| Liquid assets / assets | 17.50% (p12 of band) | |
| Uninsured deposits / deposits | 28.43% (p96 of band) | 8.28% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.37% (p47 of band) | |
| FHLB advances / assets | 1.37% | |
| Tier 1 leverage | 7.85% (p11 of band) | 10.02% |
| Unrealized securities loss / equity | 2.78% (p46 of band) | 3.21% |
| AOCI / equity | -0.08% (p25 of band) | |
| ROA (annualized) | 1.67% (p88 of band) | 0.78% |
| Net interest margin | 4.55% (p86 of band) | 3.76% |
| Efficiency ratio | 68.80% (p41 of band) | |
| Noncurrent loans | 0.85% (p39 of band) | 1.31% |
| Net charge-offs (annualized) | 0.07% (p52 of band) | |
| Reserve coverage of noncurrent | 179.82% | |
| Real estate % of loans | 71% | |
| Construction % of loans | 174.48% (p99 of band) | |
| Auto loans | $1.8M (1.25% of loans; DQ 0.23%, NCO 0.00%) | |
| Loans to nondepository financials | $369,000 (2% of equity) (p97 of band) | |
| Deposits YoY | 11.1% | |
| Employees | 57 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | construction >100% equity |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 2 | capital falling |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 2 |  |  |

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

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57183 (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/31.json (key "57183", 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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