# FIRST STB CENTRAL TEXAS
AUSTIN, TX · FDIC certificate 11151 · asset band $1-10B · latest filing 2017-12 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $1.41B | |
| Deposits | $1.20B | |
| Loans and leases | $715.5M | |
| Total equity | $129.3M | |
| Loans / deposits | 58.93% (p9 of band) | 90.29% |
| Liquid assets / assets | 47.40% (p92 of band) | |
| Uninsured deposits / deposits | 32.70% (p65 of band) | 26.14% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 5.59% (p33 of band) | |
| FHLB advances / assets | 3.71% | |
| Tier 1 leverage | 8.95% (p22 of band) | 9.96% |
| Unrealized securities loss / equity | -3.55% (p7 of band) | -0.71% |
| AOCI / equity | 0.01% (p41 of band) | |
| ROA (annualized) | 1.34% (p82 of band) | 0.92% |
| Net interest margin | 3.70% (p63 of band) | 3.55% |
| Efficiency ratio | 52.73% (p20 of band) | |
| Noncurrent loans | 0.26% (p23 of band) | 0.50% |
| Net charge-offs (annualized) | -0.03% (p6 of band) | |
| Reserve coverage of noncurrent | 353.84% | |
| Real estate % of loans | 77% | |
| Construction % of loans | 100.96% (p92 of band) | |
| Auto loans | $3.3M (0.46% of loans; DQ 2.20%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p37 of band) | |
| Deposits YoY | 5.0% | |
| Employees | 206 | |

## Flags firing in the latest filing

- **construction >100% equity** (`conc_construction`)

## 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 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 2 | noncurrent p90 |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 1 |  | noncurrent p90 |
| 2013-06 | 1 |  |  |
| 2013-09 | 2 | capital falling |  |
| 2013-12 | 1 |  | capital falling |
| 2014-03 | 1 |  |  |
| 2014-06 | 0 |  | reserve under noncurrent |
| 2014-09 | 0 |  |  |
| 2014-12 | 2 | capital falling, reserve under noncurrent |  |
| 2015-03 | 0 |  | capital falling, reserve under noncurrent |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 2 | deposits shrinking, assets shrinking |  |
| 2016-12 | 0 |  | deposits shrinking, assets shrinking |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | construction >100% equity |  |

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

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11151 (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/15.json (key "11151", 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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