# FIRST STATE BANK OF BURNET
BURNET, TX · FDIC certificate 11557 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $325.8M | |
| Deposits | $289.0M | |
| Loans and leases | $179.8M | |
| Total equity | $36.0M | |
| Loans / deposits | 61.66% (p15 of band) | 82.04% |
| Liquid assets / assets | 43.43% (p87 of band) | |
| Uninsured deposits / deposits | 27.09% (p55 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.53% (p74 of band) | 10.81% |
| Unrealized securities loss / equity | -15.80% (p29 of band) | -8.10% |
| AOCI / equity | -0.34% (p50 of band) | |
| ROA (annualized) | 1.61% (p71 of band) | 1.28% |
| Net interest margin | 3.89% (p49 of band) | 3.91% |
| Efficiency ratio | 56.38% (p34 of band) | |
| Noncurrent loans | 0.13% (p27 of band) | 0.43% |
| Net charge-offs (annualized) | 0.01% (p58 of band) | |
| Reserve coverage of noncurrent | 658.09% | |
| Real estate % of loans | 78% | |
| Construction % of loans | 121.07% (p93 of band) | |
| Auto loans | $913,000 (0.51% of loans; DQ 0.88%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 1.5% | |
| Employees | 44 | |

## Flags firing in the latest filing

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

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | reserve under noncurrent |  |
| 2012-03 | 1 | capital falling | reserve under noncurrent |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 1 | reserve under noncurrent |  |
| 2012-12 | 2 | uninsured deposits leaving |  |
| 2013-03 | 1 | capital falling | reserve under noncurrent, uninsured deposits leaving |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 | AOCI drag >20% of equity | capital falling |
| 2013-12 | 2 | reserve under noncurrent |  |
| 2014-03 | 1 |  | AOCI drag >20% of equity |
| 2014-06 | 2 | noncurrent p90 |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 3 | capital falling |  |
| 2015-03 | 3 |  |  |
| 2015-06 | 3 |  |  |
| 2015-09 | 2 |  | capital falling |
| 2015-12 | 1 |  | noncurrent p90 |
| 2016-03 | 0 |  | reserve under noncurrent |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2018-06 | 1 |  | deposits shrinking, uninsured deposits leaving |
| 2018-09 | 0 |  | assets shrinking |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | uninsured deposits leaving |  |
| 2020-06 | 0 |  | uninsured deposits leaving |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 5 | AOCI drag >20% of equity, securities losses >30% of equity, NIM <2.5%, construction >100% equity |  |
| 2022-06 | 4 |  | capital falling |
| 2022-09 | 3 |  | NIM <2.5% |
| 2022-12 | 3 |  |  |
| 2023-03 | 3 | assets shrinking | AOCI drag >20% of equity |
| 2023-06 | 4 | deposits shrinking |  |
| 2023-09 | 5 | uninsured deposits leaving |  |
| 2023-12 | 4 |  | uninsured deposits leaving |
| 2024-03 | 4 |  |  |
| 2024-06 | 2 |  | assets shrinking, deposits shrinking |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 3 | capital falling |  |
| 2025-06 | 2 |  | securities losses >30% of equity |
| 2025-09 | 1 |  | capital falling |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

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

- 2026-02-20 [First State Bank of Burnet breaks ground on new location in Plainview - Plainview Herald](https://news.google.com/rss/articles/CBMioAFBVV95cUxPdU1BcGFwZW9iN00wdnJNc2xQNUV5TVlKMXItTEtHaXhJMzFzT2dvUVNpSG1KUnZhR3M1THJwVEFYVy1EclAtZ2FxMjJHanJKTkxFdXhlYVZLaDJPQ2RZMTlMUi05NUR6MWgtdkpPZ0VjTG5vSlZTMmF4VFg1NDlEMnBQTzZvcVlOd3J4dzl3aDhMaFZXY3VwRUc5c0t6elIz?oc=5) · Plainview Herald
- 2017-07-20 [First State Bank of Burnet recognized as Texas treasure - DailyTrib.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxOMVFXUWhVaFFDZGFIX0ticHhkLUw4YnAzelAzU0FxNVc2T3FMby1BRWF4SVhYQk9qVUw0ZDlTUWUzWDV4YlV4OHJ2bTBPTlMzQWY5Q000ZU4wMWNOWVAzQ0cwYl9lellqMVZjb3l4cDFBVjNpUDdFcnZicFdLZHpRZlEyTzBvbUZhYklIRXc1WEM?oc=5) · DailyTrib.com
- 2024-03-03 [Rita Bostic Obituary - Burnet, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMifkFVX3lxTE9SdzZXUmM5QnpGV0YydTBMRjNrQkI5VVpESHI1djVTS2RLdzN3ZjNvUUdJNWFld2ZwZmhkT1pIUW5VeXphcFV2Z3liaEExd205YnduYUhaMEcxVjBET2VUZFVqcG9XTExLUUlaN25SY3M3YlZ1NVN1YUpCdjVNUQ?oc=5) · Dignity Memorial
- 2014-05-27 [Claude Clinton Obituary (1925 - 2014) - Dallas News](https://news.google.com/rss/articles/CBMiowFBVV95cUxQVVBuTjlDc1NhbG1SZ1gyNkwzRDRlRzFNRUlFd3pQVmd2eGNCQXFQT3haRnZyR1RScjVQc25oS1d3T1pyS1QzYlpQQ1ZtY1ZwZlgySE05RmowSmppekVDTmp4dUw3aG4wLXBkb05nd3dZZk1nNXYtN0pOLVJsVm55MWZ4WmdicVdjM2QwdlRLZXRtbS1xZkQ3TXU0RFAxUWdiNUlF?oc=5) · Dallas News
- 2024-08-04 [Gary Vann Obituary (1954 - 2024) - Burnet, TX - Burnet Bulletin - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxNR3Nicm1zVHhOWmJhalNwYk5razN0cGpULTdXa2VPbUdiOWFkMF9mWElWRERKZnJCeUN6cW80Ri1MbkpINkh2Mml3OWJQWk9IUV90Z040alpXTTl4d2tTWmwxU09uWXJhd2JZSzJ5bkVQSVctbXhFcS05VGpWQk9KTjI0blVMU01XSVo4bDFDLVA?oc=5) · legacy.com
- 2022-09-30 [Cathy Robison Obituary - Burnet, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMigAFBVV95cUxNeGpHeHluMW9lcUFzaUlrQk5WbTg5bG91R24wbWxBN0V4dVhYSTJOVmJwT0FLcTJKQ0tIUVNNOHZHVU5KYVRfVjJvMVUya0U4UWE4T1RZeEFhR0k0SGlTNWo2Mm40S2ZiWVJrNGN0OVhrUWh1VnZ3OURZTkw1QXlVUw?oc=5) · Dignity Memorial
- 2022-09-28 [Dorris Wills Obituary (1943 - 2022) - Burnet, TX - Brownwood Bulletin - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxQUzUwWFFzeVZ0NVBLVFU1d2Z5Y3BiQlBubHBFM2ZmVlQyWU9LSS1sRnl3YXVCLUdYMkV1Z1ZCaWhManMyWVFOeUJRdDAtQTZ0cW9SV0h5Uy1hcUduSHZDalR5eDFmZzhOZElrblJSTzFyck5pckV2UGptRnZMbmhpR3NweDh2VUhHN29DbzdCR2Y?oc=5) · legacy.com
- 2019-03-05 [Linda Holland Obituary - Burnet, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMif0FVX3lxTE5yaXNhbUtldWpPZnpNRjlBNVhKLU91WGRKTC1RM0VwVkpGYzV1dnJNeENKRW5KQXhKeDhmMFQ5bTlsUG5XWnJhZDdGMmFnVUxvbV83a1Nfbkw3VktTOGNIVnhXaDY2b0Q2VzZmQUJtV3BuNEgtTzc4b2YzUlhBeEk?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11557 (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/37.json (key "11557", 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