# HULL STATE BANK
HULL, TX · FDIC certificate 11141 · asset band <$300M · latest filing 2013-12 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (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 | $46.1M | |
| Deposits | $41.5M | |
| Loans and leases | $15.6M | |
| Total equity | $4.5M | |
| Loans / deposits | 37.10% (p9 of band) | 69.26% |
| Liquid assets / assets | 63.79% (p91 of band) | |
| Uninsured deposits / deposits | 4.68% (p13 of band) | 12.49% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.66% (p38 of band) | 10.29% |
| Unrealized securities loss / equity | -1.68% (p44 of band) | -1.01% |
| AOCI / equity | -4.44% (p43 of band) | |
| ROA (annualized) | -0.43% (p6 of band) | 0.76% |
| Net interest margin | 4.27% (p82 of band) | 3.63% |
| Efficiency ratio | 114.59% (p96 of band) | |
| Noncurrent loans | 0.04% (p15 of band) | 0.94% |
| Net charge-offs (annualized) | -0.15% (p2 of band) | |
| Reserve coverage of noncurrent | 3933.33% | |
| Real estate % of loans | 33% | |
| Construction % of loans | 0.00% (p7 of band) | |
| Auto loans | $773,000 (4.94% of loans; DQ 3.75%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -5.4% | |
| Employees | 16 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## 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 | 2 | capital falling |  |
| 2012-06 | 2 | losing money | reserve under noncurrent |
| 2012-09 | 2 | reserve under noncurrent | capital falling |
| 2012-12 | 2 | uninsured deposits leaving | reserve under noncurrent |
| 2013-03 | 2 | capital falling | uninsured deposits leaving |
| 2013-06 | 1 | uninsured deposits leaving | losing money, capital falling |
| 2013-09 | 1 |  |  |
| 2013-12 | 4 | losing money, expense ratio p90, deposits shrinking, assets shrinking | uninsured deposits leaving |

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

- 2019-03-09 [Hull bank celebrates 100th anniversary - bluebonnetnews.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxPVDBWem1pRFBSSHJ5YVRGdzVza1A2S0ZEVnRWUzkteC1mUkNiZ0Y2WGpjNW5TUDZISzZYWkotTjNRa2xhWDFDSEJTOHd2Z0gyazByT0pHZURfOTdUZlNTZC1yeFEwT1pYOTR4dU14bGZ4RXZ0dlFFWnduMDJJV2hVUkNIOA?oc=5) · bluebonnetnews.com
- 2026-03-19 [Obituary: Mary Jane Hartel Ripkowski - Liberty Vindicator](https://news.google.com/rss/articles/CBMiekFVX3lxTE5wNWd4RnJtX1NMMEdpYjZqNmI3RkJGOWhwdVNpMjlyblNRVng1SElQUUZnZ2w1NHMxaWcyTjVTblBpVVN2NkV0OFlkc29KUFUxWlJzdFNnWDFoeDZiNkozcW9kLWc2c1kwOTJXN1pNaDc1cWJfcUxyOENR?oc=5) · Liberty Vindicator
- 2016-05-15 [Richard M. (Dick) Drake - thefacts.com](https://news.google.com/rss/articles/CBMipAFBVV95cUxPdnowU2RqeVZLZ0Ixel8yTk9fbHEtOWZxcGZCNjJkVzJCOExqT2JWMnFnaFRDUzVSOHlqb2ZlSmtUWlYtdV9oT1BNb0ZQeHdreURJaXpBTWtHY0Z1NGEyVjROTlZnZE4yTncwWDA4M2xzeXU0TEZVNVJwT3hQLUdOdElIN2ZuM3VvejViYUxOc3A5VTNpckEtdElHRUJ5TUFYdjRlOA?oc=5) · thefacts.com
- 2026-03-27 [This day in history: Outlaw Thomas Golemon's infamous crime spree - Beaumont Enterprise](https://news.google.com/rss/articles/CBMinwFBVV95cUxOaDhTY0NVMXY4NkVZb1BOWWRZc1FjUDRpN3RDWExwY0c1OTEwNk5NWGhyTEJ4U0RGSGNnTWFNSndzY1JhMGdKTlhjMEtPdFVBNllWYnE0UnNGZE84R2gya3lhU29haEVrRk1LTkdzTUVtMU1BUXdrWEVZSzZ6TDhmeW5QcGV2bGgxUnhwY2JNeS1yczNhUzJDTWVqbFRnUU0?oc=5) · Beaumont Enterprise
- 2010-09-04 [Henry Gilfillian Obituary (2010) - Beaumont, TX - The Beaumont Enterprise - Legacy obituary](https://news.google.com/rss/articles/CBMinwFBVV95cUxNWlpGRlJDYW12a19RbUQ4MDdvWUw5TmRSTl9iTHg3NnVLWWhmbjdKdmdHZ2tlMTV1Z0VNZGotV0VWRnNlXzNwRDAzaUZwdGlyTTBYTmNrSllaeWkxX3V4amNwZFFWbHVzQzk4VzJtZEF3dDFBTE5zREN4cVlBQWQybUM1ZUM4QXFOaU5Bc0lYMnZzRDlkVWdnd1JmbDJReFE?oc=5) · Legacy obituary
- 2009-03-31 [Local students reap rewards for hard work - Beaumont Enterprise](https://news.google.com/rss/articles/CBMisAFBVV95cUxQOTJGaGxvRDh4UUVhRUZZRXpmaEVDUmFYVHVjbmZheURuTWVqbEgtZGR5ZVprTVFjTkJlbHNZbEdpamtVUXlQelY5c2tPQXEydlFYemRuMTc5LTZMaV9jSUg2UzdLZkF3X0xlMC0zQlo4RHpUUGg1NUtpRnd4TFB6R0R4bmpyVXBwUTFpLXZ6Vld3aGdLZkdJNmlKZl9KbWhtb3JUc2VMYmk5YnZ0RHU0Wg?oc=5) · Beaumont Enterprise
- 2023-03-07 [Mary Anne Campbell - bluebonnetnews.com](https://news.google.com/rss/articles/CBMiaEFVX3lxTE9oZmNMNC1HWFVEX0xRQnhrcWJXbjlGMDA4eDlmbUV2VGctdDY3Slo1SWpYNGREQks4M0NTM0JLeTRTbFNqcjhOWW9CdHBPMmQzZ01udU41dkVGYUFaSE4wR01CX3pkSk5W?oc=5) · bluebonnetnews.com
- 2020-10-11 [R.C. “Buddy” Gatlin - bluebonnetnews.com](https://news.google.com/rss/articles/CBMiZkFVX3lxTFBiVjFOU1h3VktNUGQyZXNDUC0wRU5uYndocmtZNDdndElRSWVNYzM1LUxWZmRVcm5sNkR2Zk1FNlBQVExCWUw0ak94SjBkQ3M2NVRSd1BpRlpDSDh3MkNCY1NEcl9MUQ?oc=5) · bluebonnetnews.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11141 (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/5.json (key "11141", 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