# STATE GUARANTY BANK
OKEENE, OK · FDIC certificate 5995 · asset band <$300M · latest filing 2019-03 · stopped filing (departed)

**Verdict on the desk:** this could be *fortress*. 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 | $54.0M | |
| Deposits | $47.7M | |
| Loans and leases | $34.7M | |
| Total equity | $5.8M | |
| Loans / deposits | 71.99% (p42 of band) | 76.50% |
| Liquid assets / assets | 31.59% (p53 of band) | |
| Uninsured deposits / deposits | 11.99% (p34 of band) | 15.89% |
| Brokered deposits | 4.88% | |
| Wholesale funding | 4.88% (p68 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.06% (p45 of band) | 11.35% |
| Unrealized securities loss / equity | -0.28% (p52 of band) | -0.33% |
| AOCI / equity | 1.19% (p53 of band) | |
| ROA (annualized) | 2.28% (p94 of band) | 0.99% |
| Net interest margin | 3.91% (p57 of band) | 3.80% |
| Efficiency ratio | 40.27% (p2 of band) | |
| Noncurrent loans | 0.00% (p8 of band) | 0.56% |
| Net charge-offs (annualized) | 0.01% (p65 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 77% | |
| Construction % of loans | 22.22% (p57 of band) | |
| Auto loans | $224,000 (0.65% of loans; DQ 0.00%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -0.8% | |
| Employees | 9 | |

## Flags firing in the latest filing

- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 1 | uninsured deposits leaving |  |
| 2012-09 | 1 | capital falling | uninsured deposits leaving |
| 2012-12 | 2 | NIM <2.5%, reserve under noncurrent | capital falling |
| 2013-03 | 1 |  | reserve under noncurrent |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 | reserve under noncurrent | NIM <2.5% |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 2 | capital falling |  |
| 2014-12 | 1 |  | reserve under noncurrent |
| 2015-03 | 1 |  |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | capital falling |  |
| 2016-06 | 0 |  | capital falling |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 0 |  | capital falling |
| 2017-09 | 1 | reserve under noncurrent |  |
| 2017-12 | 1 | capital falling | reserve under noncurrent |
| 2018-03 | 1 |  |  |
| 2018-06 | 0 |  | capital falling |
| 2018-09 | 1 | uninsured deposits leaving |  |
| 2018-12 | 2 | deposits shrinking |  |
| 2019-03 | 1 |  | deposits shrinking |

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

- 2025-02-20 [Cecil family celebrates 100-years at Liberty National Bank - MyParisTexas](https://news.google.com/rss/articles/CBMijAFBVV95cUxQbGRaWmpkR0h4LTFpRU1zeWl6b0NOWHJ2VVM5TFlzMUNtS08ta3l6dUdwekdFOUExWkpVbmtySHpsWVFuZkFFOVBRQlp3eV9KU0xTWXpYclJMSmcxUm1nbGdzMTdGUlIzOVZIalVyU3hLWkxZQzJJMU9YWFA5RkktSS1DOFNFSHZXRHAzLQ?oc=5) · MyParisTexas
- 2013-12-14 [Adalia Jantzen Obituary Dec 14, 2013 - Lanman Funeral Home, Inc](https://news.google.com/rss/articles/CBMia0FVX3lxTFBkRXA2X0xKVlNfRG5NSjBoMXRKQ0t6WEV0Y1FCcUh3VHJpWW9oSHQ1S1dUZWp2MVFPQUllYjd6bFg0bFVMVzN3ZmlSYzNYTFBRNXFFdkJESllGNTR6UHhIWDNoalE5VlozLUhB?oc=5) · Lanman Funeral Home, Inc

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=5995 (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/43.json (key "5995", 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