# NATIONAL BANK OF SALLISAW
SALLISAW, OK · FDIC certificate 6008 · asset band <$300M · latest filing 2013-12 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. 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 | $109.4M | |
| Deposits | $96.3M | |
| Loans and leases | $52.2M | |
| Total equity | $12.8M | |
| Loans / deposits | 53.40% (p24 of band) | 69.26% |
| Liquid assets / assets | 48.14% (p74 of band) | |
| Uninsured deposits / deposits | 20.83% (p79 of band) | 12.49% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.82% (p71 of band) | 10.29% |
| Unrealized securities loss / equity | -1.20% (p48 of band) | -1.01% |
| AOCI / equity | -7.58% (p28 of band) | |
| ROA (annualized) | 1.30% (p81 of band) | 0.76% |
| Net interest margin | 3.89% (p65 of band) | 3.63% |
| Efficiency ratio | 56.70% (p12 of band) | |
| Noncurrent loans | 0.23% (p24 of band) | 0.94% |
| Net charge-offs (annualized) | 0.00% (p12 of band) | |
| Reserve coverage of noncurrent | 650.00% | |
| Real estate % of loans | 67% | |
| Construction % of loans | 9.17% (p38 of band) | |
| Auto loans | $644,000 (1.23% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -10.3% | |
| Employees | 28 | |

## Flags firing in the latest filing

- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **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 | capital falling |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |

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

- 2026-06-26 [National Bank of Sallisaw announces staff promotion - sequoyahcountytimes.com](https://news.google.com/rss/articles/CBMiogFBVV95cUxQTU1neEFNSW9ZMHVVSXJhUDdWR2E1MG96anZjVENibmIxeWFaV0o4UVBYdkNTYXJ3UlpfNWRpM3VjMVh3X29TMmt0cjRMSkdQUk9heWZRSm9BZzU2V1loUW5GbXdoVktVbEJ1VE9xRnN3N0taQUJjSUhFdURNdGM5MU1DRG1IUERPeXdzQjg5ZGwyTjl6OU14WDVIYlV5NTd4cEE?oc=5) · sequoyahcountytimes.com
- 2026-01-30 [First Bank Corp. to merge with Russellville-based First State Bank - Southwest Times Record](https://news.google.com/rss/articles/CBMivwFBVV95cUxNeDd0SU5DX2dsczQtMG9CUjBTNzg4SUVHOU83VnF3bXptVFhhdGFuREl6QXBURDRMOVphRE12cXhMQ3FmUW0xa2o3WU5jS28taTM3S0xXRHl3cV94SXczZ3NrNFJNTks2YjVodDdWRy1zekJxREtSSVdpd3RJY0VqV21CT2JURlJuNUZaRWdZUm41WTdJSUJxcVRrWjVJeUlqZ0ZwdWFZWG16U09IVUhuM2djQ2hWcG94Rlh6dE5RYw?oc=5) · Southwest Times Record
- 2026-06-22 [Sandra "Sandy" Copeland Obituary (2026) - Sallisaw, OK - Agent Mallory Martin Funeral Service, Inc. - Sallisaw - legacy.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxQUkJ0TEpkM09tV0tlX2YtbnZVNmtKMG9DZEhSMXBVMU5hcEFVcnlzQmU4TEw2Qmo2eTJHWDZmM3FTQlRnekY5VzJ4eUlCaDloSnpjWGZhU1p3b0xPNG5kWGZpNTJTUERkajY5a0xKUzdWdk1HNHRtWVA1UTNhRnFSQXo2RFk?oc=5) · legacy.com
- 2021-03-11 [First Bank Corp. acquires Central National Bank of Poteau - Talk Business & Politics](https://news.google.com/rss/articles/CBMilAFBVV95cUxPZ1BEMWVqTE1HdWdlYnE4d2xVbS1zd05jZlNVdTlBQ0FSbjh6bmt0cWdkX0lTb09WdWxnaVdhSVVVMmpzWUNNcjVaWnNJYmhVSzVQLTJjc2Vtd0JGR2w3a0JJS0sxU0FMWDR5cDJ6X184aWZyTXlnRlRVeHRTRGYwVlFHdGkxMnBsbUthdHF0ZFNQaXN5?oc=5) · Talk Business &amp; Politics
- 2022-05-10 [Caldwell nomination to pair of state boards approved - okwnews.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxQSW05MF9wRXp3ZG53Mk81N21BVW9aVldvUlZERWp4QWNWcnpVYWYxV2NBa1FTOGVfdW1ZM3NkbmF2ek55UEoyMTRlUUxzQWxpbWIxOWNmOVpLZ2cxRXZ3OWVzNVVnOHBISDlwdFdWN211T1d1UmxDcEozX0haUU51U3J0S1hSRmpIYmFzS2h3VQ?oc=5) · okwnews.com
- 2013-11-04 [2 Oklahoma Banks Enter Arkansas - Arkansas Business](https://news.google.com/rss/articles/CBMie0FVX3lxTE9uNE5ERl9TamJDUDlQOHU2RjByU0tMbEZkZk9GWEU5UE1RTHMzdmNvcWZQSDlKb2lxVnFielI0TkFEZnR3eDJZVzQ3amxBSmRXOElib3JhZkE4ZjV6VlRxSnFsM0Y0ZDNZX3VUcWhWRllFM2xVanRGdDU0NA?oc=5) · Arkansas Business
- 2018-09-23 [People in Business - Southwest Times Record](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNNG4wMk1LX09qWDd6NUtfVjNfQXhiRjNvUDdWemFZX0lSQWtTSUpsNS1SWEtKRE1vZEJXMGJTaVVBbWg4M3c1NS1YY3Y3eTRtX0d5Ylh1aXlhZFhxaTVwV0xkd1l1cmdkM29BY1NlSlRHQTZlTmlKeHRPU3RodF9mX2FMNXlkYnF3?oc=5) · Southwest Times Record
- 2026-01-30 [First Bank Corp., First State Bank sign merger agreement - Talk Business & Politics](https://news.google.com/rss/articles/CBMikgFBVV95cUxQQlE1aDBlVjhsQng3YVVwRjB4bEQzOGJDbmN4UzhacEF4MFUzd0IwQi1SRUI3b2RBdExta2ZuLTd1bmo0cFZReWZOcHA0Y3hNOUViUUtPeWFneDM5X2VfRVBqakZyMkR2ckV4LTRWcGNVczFvbTlUZzliX2t5QmdGdnZ6ZjVDdEk3RGUydUp4a1Zxdw?oc=5) · Talk Business &amp; Politics

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=6008 (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/56.json (key "6008", 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