# ENLOE STATE BANK
COOPER, TX · FDIC certificate 10716 · asset band <$300M · latest filing 2019-03 · FAILED

**Verdict on the desk:** this could be *funding-stretched*. 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 | $36.7M | |
| Deposits | $31.3M | |
| Loans and leases | $30.9M | |
| Total equity | $3.4M | |
| Loans / deposits | 98.35% (p89 of band) | 76.50% |
| Liquid assets / assets | 10.09% (p5 of band) | |
| Uninsured deposits / deposits | 4.55% (p7 of band) | 15.89% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 5.44% (p71 of band) | |
| FHLB advances / assets | 5.44% | |
| Tier 1 leverage | 9.23% (p15 of band) | 11.35% |
| Unrealized securities loss / equity | -0.36% (p49 of band) | -0.33% |
| AOCI / equity | 0.00% (p8 of band) | |
| ROA (annualized) | 1.58% (p82 of band) | 0.99% |
| Net interest margin | 4.65% (p89 of band) | 3.80% |
| Efficiency ratio | 57.04% (p17 of band) | |
| Noncurrent loans | 0.00% (p8 of band) | 0.56% |
| Net charge-offs (annualized) | 0.02% (p73 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 35% | |
| Construction % of loans | 4.40% (p28 of band) | |
| Auto loans | $111,000 (0.36% of loans; DQ 32.43%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 4.9% | |
| Employees | 8 | |

## Flags firing in the latest filing

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

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | losing money |  |
| 2011-06 | 1 | reserve under noncurrent | losing money |
| 2011-09 | 1 |  |  |
| 2011-12 | 2 | noncurrent p90 |  |
| 2012-03 | 1 |  | noncurrent p90 |
| 2012-06 | 1 | uninsured deposits leaving | reserve under noncurrent |
| 2012-09 | 0 |  | uninsured deposits leaving |
| 2012-12 | 1 | uninsured deposits leaving |  |
| 2013-03 | 0 |  | uninsured deposits leaving |
| 2013-06 | 0 |  |  |
| 2013-09 | 1 | uninsured deposits leaving |  |
| 2013-12 | 0 |  | uninsured deposits leaving |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | capital falling |  |
| 2016-03 | 0 |  | capital falling |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | reserve under noncurrent |  |
| 2016-12 | 0 |  | reserve under noncurrent |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 2 | loans exceed deposits, uninsured deposits leaving |  |
| 2018-09 | 1 |  | loans exceed deposits |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |

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

- 2020-10-02 [Texas bank president stole millions with fake loans, then tried to burn the evidence - Fort Worth Star-Telegram](https://news.google.com/rss/articles/CBMic0FVX3lxTE9jMHAzWXlDbGhjU0NTU29sMlpkSjBISXVkM3dxU0RwLUlRdUhfYld2b3FfNTVCbjJNdXRIVTBNM0Z4VUE3RGxWLUhQVXlmS19xcTF0WFlZNXl3MGdRWFVtSGNJOWRyMUI0NmExZjEwTFVvR3c?oc=5) · Fort Worth Star-Telegram
- 2021-02-24 [Failed Enloe State Bank president to serve 8 years for arson, conspiracy to commit fraud - theparisnews.com](https://news.google.com/rss/articles/CBMi-wFBVV95cUxObjBBN1NSUFNOUFc0QVpnR19TWGJxSE5xeGJETE5RSEstNjdnQXZhYjZad0daY1pXVjF6UTZ4ZXhtaTRvUTR1b0ZUX3laUjJzbGtORE5FNVhUSngwS0R3LUVKcVVVY0VMNnlzbU5qcEpSWml3NlhsLW0yNThraU0tYVAxRnAtX1pjYkJqbjIzM3JPR00zMl9QWGhiOFZyd2xDTS1rYy1naGttMmhraF8zUkxoR3hSZG5mcUhIVmoyWW9MU2pLOE0tbEwyREVQMDVyZWJhbEV3OWQ5TjlRT0phQy1sNDVVNHk4eHU5NlJwZlVyOFVUQ1FXV2E5QQ?oc=5) · theparisnews.com
- 2019-05-31 [First failed bank since 2017 will leave FDIC with hefty price tag - American Banker](https://news.google.com/rss/articles/CBMiowFBVV95cUxPclJWQWNUSFEzZnVJRFlfaUJyU1pqc3RmdjJFbU1XdEZDMFktN1R5WTRsdFdlc1B1b3JvVHlLelYxM0FVZ0FGc2pnNUtrNThSRGNrUmhwanVJZzhTU2ZlMjgwSmc0OEVVY2x3Yl90VGNDQUstd2prRGo1UEVMakhrQ3RtOUZrVEFiQ2swNHNQR01mY2FvUTdSRmxMR2U1Y2d6ZVdF?oc=5) · American Banker
- 2019-06-03 [First U.S. banking failure since late 2017 occurs in Texas over the weekend - Talk Business & Politics](https://news.google.com/rss/articles/CBMirAFBVV95cUxPa19nQWxYVDNtdmd1ZUN1T081bEs0WTNmREtQcERfa2dmVnNmZnV3SVl6ZTVYNjRaLWxRZGp3cFp0VFp0ckJyaExLX1RzZkFfdXZSck1OMmtzU0JuanVhWUNnMEM4Q2pPS0ZkckRDNFZhRHVXUWxPVFdoX1lmMnd6ZFpkXzNHZWRJWmZaMk1BMlUySExaY0dIbTV5TUZVdEVvcXZVQnpOVDBaRFZq?oc=5) · Talk Business &amp; Politics
- 2019-06-03 [Regulators close Enloe State Bank in Cooper, first failed bank since 2017 - MyParisTexas](https://news.google.com/rss/articles/CBMinwFBVV95cUxOSW5Kd2syci1mb3M2S29YWXRqbU15WFJpdkNFNkhHSkdvS1dMRG1vODQyamNVSHJhdUhLYjVNWlhWQW13enhJNE5tcjZQMnBYelVnTFc1U1c1aEc1OXpTN3k4dGNTYnNfd0dScXpkMlJhUzg0NU5lSG85TlA3NDBvUkM1bTlPYUN4UEJ2ZzFrTzdzVm5ha0NrTTh1bjZxRkk?oc=5) · MyParisTexas
- 2019-07-20 [Fire and fraud: The mystery of a small Texas bank that became the nation's first failure in years - dallasnews.com](https://news.google.com/rss/articles/CBMi5wFBVV95cUxONkl2Uk90akxLYUhrVVdwYm5rXzlaTE9HODVmUW83a1FFOW5xeDlTWjBia0xXVjd2N3dfMGFBU19YRkJEdTVYel9peGVZYlcwTTJIRjVGR1dLT0l6RkdnY3J0c3RhYlRJUXRJTWh1bl81VXpjZnRXZ2N4bExoM01qai0wUzYxWEROMVF6cWs5NUxEUXBpNjN1Sk9JUG96MVdma1FCaVVxV1lyWEhNQTgxTXI3VmRxMjAzbTE0Sk5fc0dIaUlleDd4aGR3QjkxUDhncnQ2Z21ndnRETmIzM3JyTUdsajdEdTA?oc=5) · dallasnews.com
- 2021-02-24 [Former Texas bank president sentenced to 8 years for embezzling $11M, burning incriminating records - Fox Business](https://news.google.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?oc=5) · Fox Business
- 2021-02-25 [Former President of Enloe State Bank in Cooper Sentenced to Federal Prison for Fraud and Arson - Front Porch News Texas](https://news.google.com/rss/articles/CBMi1AFBVV95cUxQVXBDWVdvVWpoRVJfRFNoemtLcWxUcFdsTzdCbHBYNk5ETGV4Yy1YSmt4bkJVRXB4YlROa2I1WjZtQldESWJ0amY4YlBISFdWY25rZmFub0JITUxBNEtJcVZvMHpfLXdVa0UxcE9IQ25lRmxVT1RCM0RIQ2RPaWQ2ZzVHR2tpZEFoV0hid1JCNVdvQUlYRE1WbUZpZVU3bnhRVDN5MWR1Wi1Lck80ODZ5RXJ1Mkh0VFR5ZWQwNEJMTWNZNmctYTF1TGhfNExoTkVsdGc3OQ?oc=5) · Front Porch News Texas

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10716 (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/28.json (key "10716", 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