# BANKOKOLONA
OKOLONA, MS · FDIC certificate 5902 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. 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 | $359.6M | |
| Deposits | $322.3M | |
| Loans and leases | $250.0M | |
| Total equity | $32.9M | |
| Loans / deposits | 76.79% (p38 of band) | 82.04% |
| Liquid assets / assets | 26.45% (p54 of band) | |
| Uninsured deposits / deposits | 18.49% (p23 of band) | 25.97% |
| Brokered deposits | 0.59% | |
| Wholesale funding | 1.07% (p35 of band) | |
| FHLB advances / assets | 0.48% | |
| Tier 1 leverage | 10.09% (p37 of band) | 10.81% |
| Unrealized securities loss / equity | -10.47% (p42 of band) | -8.10% |
| AOCI / equity | -0.72% (p32 of band) | |
| ROA (annualized) | 1.38% (p57 of band) | 1.28% |
| Net interest margin | 3.94% (p52 of band) | 3.91% |
| Efficiency ratio | 64.55% (p60 of band) | |
| Noncurrent loans | 1.04% (p74 of band) | 0.43% |
| Net charge-offs (annualized) | 0.06% (p78 of band) | |
| Reserve coverage of noncurrent | 95.90% | |
| Real estate % of loans | 77% | |
| Construction % of loans | 18.12% (p23 of band) | |
| Auto loans | $5.7M (2.26% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 3.3% | |
| Employees | 60 | |

## Flags firing in the latest filing

- **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 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 2 | capital falling |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 1 |  | capital falling |
| 2015-12 | 1 |  |  |
| 2016-03 | 2 | capital falling |  |
| 2016-06 | 2 | charge-offs p90 | capital falling |
| 2016-09 | 1 |  | reserve under noncurrent |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 | capital falling | charge-offs p90 |
| 2017-06 | 0 |  | capital falling |
| 2017-09 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2017-12 | 2 | capital falling | charge-offs p90 |
| 2018-03 | 3 | charge-offs p90 |  |
| 2018-06 | 2 |  | capital falling |
| 2018-09 | 2 |  |  |
| 2018-12 | 1 |  | reserve under noncurrent |
| 2019-03 | 4 | capital falling, noncurrent p90, reserve under noncurrent |  |
| 2019-06 | 3 |  | capital falling |
| 2019-09 | 3 |  |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 2 |  | charge-offs p90 |
| 2020-06 | 1 |  | noncurrent p90 |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 2 | capital falling |  |
| 2021-09 | 1 |  | capital falling |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | capital falling, AOCI drag >20% of equity | reserve under noncurrent |
| 2022-06 | 2 | securities losses >30% of equity | capital falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 2 | uninsured deposits leaving |  |
| 2023-09 | 1 |  | uninsured deposits leaving |
| 2023-12 | 0 |  | securities losses >30% of equity |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 1 | capital falling |  |
| 2025-06 | 1 | charge-offs p90 | capital falling |
| 2025-09 | 0 |  | charge-offs p90 |
| 2025-12 | 1 | reserve under noncurrent |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

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

- 2022-06-02 [Bank of Okolona Announces Name Change to BankOkolona - djournal.com](https://news.google.com/rss/articles/CBMi0wFBVV95cUxPQnVSSmlnMzZ3RTlON3l5NE4wRDEzTTY1VV9UT2RkR3pSYzhZXzJRZGtwcy1STk9sc3d1UEphRW9jTXdNZmdfZjB6cjJCWnNfN0tGbjJ1V1NRM2h5LVhTTlY1aUpOa0t5R0haWnN4OGZfRzNpVDh0SnVYSE81NHdLN01rVEFja3oxUkJSdTFEWmhRcGgzbm1OMEJkQ0NFVGl6WFZtR0MtaVA4QUszVEhUdFlaM0gxdDdZV08wbEtZcTBGMHY5TGJXUTFKaVV1b3hRMzNV?oc=5) · djournal.com
- 2022-06-01 [Bank of Okolona changes name to BankOkolona - djournal.com](https://news.google.com/rss/articles/CBMizAFBVV95cUxPU2lUNGpIbXE2azltX1JlMmR1dW1pcnRsWDBQbG5SRmRQVnZhdjRnanhtajhIZVVWMXhWaFBjdm1wMmtYY1pwVVVKRFFwc3h1SkpCQWkyUjNCOGJxMlNibWpleHp4bUQyMThVREdIQzhULTJDTjNjUUpmQlRSeHdudlg2dEhWWjRDLXRwdmlBVV9xYTcyeUhNdFhkcGFDUHpwaUNPbTUzcE1KX2c5cTRTZElMeXVyb0pLMHZzNGdwT0lxNU5RWUlCTlo0OGg?oc=5) · djournal.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=5902 (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/14.json (key "5902", 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