# D HANIS STATE BANK
D HANIS, TX · FDIC certificate 11550 · asset band <$300M · latest filing 2014-09 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. 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 | $45.7M | |
| Deposits | $38.2M | |
| Loans and leases | $23.6M | |
| Total equity | $7.5M | |
| Loans / deposits | 61.17% (p33 of band) | 71.36% |
| Liquid assets / assets | 41.48% (p65 of band) | |
| Uninsured deposits / deposits | 8.41% (p29 of band) | 12.72% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p17 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.06% (p59 of band) | 10.52% |
| Unrealized securities loss / equity | -0.97% (p23 of band) | 0.17% |
| AOCI / equity | 0.37% (p33 of band) | |
| ROA (annualized) | -0.75% (p3 of band) | 0.81% |
| Net interest margin | 4.13% (p76 of band) | 3.65% |
| Efficiency ratio | 126.53% (p98 of band) | |
| Noncurrent loans | 1.53% (p67 of band) | 0.86% |
| Net charge-offs (annualized) | 0.05% (p58 of band) | |
| Reserve coverage of noncurrent | 75.69% | |
| Real estate % of loans | 77% | |
| Construction % of loans | 24.46% (p62 of band) | |
| Auto loans | $527,000 (2.23% of loans; DQ 4.93%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 0.7% | |
| Employees | 17 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 2 | losing money, expense ratio p90 |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 4 | charge-offs p90, deposits shrinking |  |
| 2012-06 | 6 | assets shrinking, uninsured deposits leaving |  |
| 2012-09 | 5 |  | charge-offs p90 |
| 2012-12 | 5 | reserve under noncurrent | assets shrinking |
| 2013-03 | 6 | assets shrinking |  |
| 2013-06 | 6 |  |  |
| 2013-09 | 3 |  | deposits shrinking, uninsured deposits leaving, assets shrinking |
| 2013-12 | 3 | capital falling | reserve under noncurrent |
| 2014-03 | 2 | reserve under noncurrent | losing money, capital falling |
| 2014-06 | 2 |  |  |
| 2014-09 | 3 | losing money |  |

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

- 2018-07-12 [Vantage Bank's CEO to retire after merger - The Business Journals](https://news.google.com/rss/articles/CBMiogFBVV95cUxNcnRkQUZWeWdBbS1wR1UtNEtGcFRhbElob243a0JNLUFqNjdQTzdGNFVNZ29XeFJ5X3hlV0JyVW1OeHhXUEYzR1FYb3JtX29wVnk4ZncwUXlNcmVwTXJtbXZ4MEpLYlJtV3lGSnNiVDZhUW4wbU9LTDhHcjctQnl0WkstWTQ4anRDSnlDY3hGME1vUjNTNFpNWHFIM2Z1Wlhsdnc?oc=5) · The Business Journals
- 2026-07-08 [Mary Lois Laughinghouse Obituary (2026) - Hondo/D'Hanis, TX - Guinn-Horger Funeral Home - Hondo - legacy.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPekl0N3NzbDFmay1saFlPd2JYSXBleUJrb2liSHdCX25UdmVnYzRyVHNpRkExR29GbWR2R0tLZDlwaDFUZFhmNlpTWGZfODhFaVQ5MXhaa1lEOGlCUk1mV2VCVGp1V1k4VlJvSUdrN0drWGxVcEtPcHZvNGdabnBGc1l5Z1B1WDdX?oc=5) · legacy.com
- 2014-01-22 [Atascosa National Bank announces promotions - pleasantonexpress.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxOOTlCY2JwWHpjN2NMaXBTaHlXRXJrOVJ2UE9JU0sxOUM2dmxwdGlOdUN2T0k2Y09lN09ZWS1Ud1drZC1EX3ZjWFFEa1RUR2ZOWTlneHQ5RU4xakZCcld0bUo3YVlwNEpGSmV4dkIwY2piR3JSU3g2SlEyYVNTWUMzbUZmTmJrZ0RBWmVXZXpmYk4?oc=5) · pleasantonexpress.com
- 2025-03-08 [John J. Nester Obituary (2025) - Hondo, TX - Guinn-Horger Funeral Home - Hondo - legacy.com](https://news.google.com/rss/articles/CBMif0FVX3lxTE0tcDFHOVJGaGI2ZFFsd2sxS05OdDVLbllHbjB0TjEwMFRwSkFPRmkzbnMxLVJHVEpHOG9hbG1mb01XNF9wMXFZaXNHZng3aG1kcWcxV2tsM09oNTV5bU9zVW1rUmVTeHJvaktHdWl6ZzBKekNrY3YtXzhVaHN0N0E?oc=5) · legacy.com
- 2016-07-29 [San Antonio business owner pleads guilty to fraud, tax evasion - The Business Journals](https://news.google.com/rss/articles/CBMirgFBVV95cUxNT1BpbHM2d1l4VEhPZW1wNXNjdDAwYUs1NmtfYWxMNEpSU0QzanFnVGluV2dIckVWR1ZsQnJkZTByR3ExZWpDSV9nNlZieFJJckhQZndYd0VjYUxYbHdKSXkzQmxocVR0OEdBVHJZQTJiWUZhb0pURmJSalNQR0duVXctVFYwMGYwMmJGNFlOR1Q5aHFrdEljaXZZbUtZb1ppclo4VlJVSVduS05VMkE?oc=5) · The Business Journals
- 2006-04-21 [Rothe Obituary (2006) - San Antonio, TX - San Antonio Express-News - legacy.com](https://news.google.com/rss/articles/CBMihwFBVV95cUxPTUhmeEsxZTA1eTg5UllRTC1vV1N3YmNnSW5XQmJCVm5zZTZSak5CcXkwOThKMEoyOTNDMzVOVjYyZ3Ezci1NNkRMNWtnTjlrbmZFQTA5MEs2RUo2TWdPeEQ3OHVUS252cFBYeUhnaEpwa1pGVXZJYlUyN09yQWVmSnRqQXowMkk?oc=5) · legacy.com
- 2012-01-12 [Jack Winkler Obituary (2012) - Hondo, TX - Mission Park Funeral Chapels South, Cemeteries & Crematories - legacy.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxPOWtodGRWVG91SDNLdlRiTU5oVW5KaVNEN0xjRzRmZHM2LVluSmowYlFndVl1ZUo5X2hiUW13c1lWZWRJMEpQZkN5cWNHN3ZrZi0yUlZZblhZNFBXTk80RlFNdFZ1clQ3eV8zeHZnUGlMTXM4STZjYWdUWUZNQnBRaXJUSQ?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11550 (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/30.json (key "11550", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide