# CROWELL STATE BANK
CROWELL, TX · FDIC certificate 10352 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (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 | $57.5M | |
| Deposits | $51.0M | |
| Loans and leases | $28.6M | |
| Total equity | $6.0M | |
| Loans / deposits | 55.56% (p25 of band) | 73.59% |
| Liquid assets / assets | 46.01% (p73 of band) | |
| Uninsured deposits / deposits | 21.81% (p57 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.99% (p39 of band) | 11.76% |
| Unrealized securities loss / equity | -3.26% (p64 of band) | -6.57% |
| AOCI / equity | -3.59% (p4 of band) | |
| ROA (annualized) | 2.49% (p93 of band) | 1.17% |
| Net interest margin | 5.20% (p93 of band) | 3.93% |
| Efficiency ratio | 52.51% (p18 of band) | |
| Noncurrent loans | 0.89% (p68 of band) | 0.36% |
| Net charge-offs (annualized) | 0.04% (p77 of band) | |
| Reserve coverage of noncurrent | 110.63% | |
| Real estate % of loans | 44% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $1.3M (4.55% of loans; DQ 1.69%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 3.4% | |
| Employees | 10 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 2 | reserve under noncurrent |  |
| 2012-03 | 1 |  | capital falling |
| 2012-06 | 0 |  | reserve under noncurrent |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | uninsured deposits leaving |  |
| 2013-03 | 0 |  | uninsured deposits leaving |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | reserve under noncurrent |  |
| 2015-09 | 0 |  | reserve under noncurrent |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | uninsured deposits leaving |  |
| 2017-12 | 1 | reserve under noncurrent | uninsured deposits leaving |
| 2018-03 | 2 | charge-offs p90 |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 1 |  | charge-offs p90 |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | capital falling |  |
| 2019-06 | 0 |  | reserve under noncurrent, capital falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 1 | capital falling |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | uninsured deposits leaving |  |
| 2022-03 | 2 | charge-offs p90, reserve under noncurrent | uninsured deposits leaving |
| 2022-06 | 2 |  |  |
| 2022-09 | 2 | uninsured deposits leaving | charge-offs p90 |
| 2022-12 | 2 | noncurrent p90 | uninsured deposits leaving |
| 2023-03 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2023-06 | 2 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2023-09 | 1 |  | noncurrent p90 |
| 2023-12 | 1 |  |  |
| 2024-03 | 2 | noncurrent p90 |  |
| 2024-06 | 1 | charge-offs p90 | reserve under noncurrent, noncurrent p90 |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 2 | capital falling |  |
| 2025-06 | 0 |  | charge-offs p90, capital falling |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | uninsured deposits leaving |  |
| 2026-03 | 0 |  | uninsured deposits leaving |
| 2026-06 | 0 |  |  |

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

- 2025-04-22 [Mary Ann Marlow – 6/28/1991 – 4/9/2025 - Fort Worth Report](https://news.google.com/rss/articles/CBMif0FVX3lxTE1LVkpCU09LZUpQYnlxeTMxd051N0NYRk5MQ3JFUWg0VWRKSVNGY2h2c2xJYjhrQnhvZXAyaE5YeDc4NXdDX0N6d0VsVUY5Z3Y3ZDhldk9XalROZGhiazBIRl82TDV0OG4zbHY3a2FyWkJQZ002WXJCcXJnbVlHUGM?oc=5) · Fort Worth Report
- 2023-06-07 [GoFundMe set up for 10-month-old SJ Mitchell - Texomashomepage.com](https://news.google.com/rss/articles/CBMipwFBVV95cUxQNC1CVWtWMVlILVJzWHllbFg2SUVPNEVLblBVTE9HZmJUd3hnVFBnaC1GcDdnaUZMU3BBNWFCZkNidDBSTW5hcGZ4aGhzY0ZrVUdtQjFHVGxjeXdZcm5oMExZWDljR2MtdWZLT2xwVjVCMThiS01BRlpqOU4tVWc5a2xUWVd6Vk54b1lfbWVjTHE2M3F4aTAtdDZmeGw4NUJaYURLOEZGZ9IBrAFBVV95cUxOSUZ2WENKZGphSVAyY3JIUW5BWmpjZVpCUUgwWHRfNHA4UXdDMzBVamc4UnBpYzNjN1FnRi01a3RfMF84VHA2b0EzRXNTLVk0QUhnREk2UnhUbmI3R0tBcW10ZkQ2dDRSSFdNdk9WRFhqVDZpejlzeXpEeEEzcFVhYkktZ3BBcUpUUm5aUkY2UHpoUzgwbVJyZzlnTlhDWXBfQ1RzZDZYaWdrYll6?oc=5) · Texomashomepage.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10352 (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/48.json (key "10352", 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