# FIRST STAR BANK SSB
BREMOND, TX · FDIC certificate 1176 · asset band <$300M · latest filing 2014-12 · stopped filing (departed)

**Verdict on the desk:** this could be *lender to lenders*. 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 | $264.0M | |
| Deposits | $199.1M | |
| Loans and leases | $176.3M | |
| Total equity | $27.1M | |
| Loans / deposits | 87.98% (p79 of band) | 71.50% |
| Liquid assets / assets | 28.16% (p38 of band) | |
| Uninsured deposits / deposits | 28.13% (p90 of band) | 13.21% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 14.23% (p91 of band) | |
| FHLB advances / assets | 14.23% | |
| Tier 1 leverage | 11.90% (p70 of band) | 10.45% |
| Unrealized securities loss / equity | -4.18% (p4 of band) | 0.49% |
| AOCI / equity | 4.85% (p77 of band) | |
| ROA (annualized) | 0.78% (p48 of band) | 0.81% |
| Net interest margin | 3.96% (p67 of band) | 3.66% |
| Efficiency ratio | 71.45% (p43 of band) | |
| Noncurrent loans | 0.63% (p45 of band) | 0.76% |
| Net charge-offs (annualized) | 0.03% (p47 of band) | |
| Reserve coverage of noncurrent | 100.98% | |
| Real estate % of loans | 40% | |
| Construction % of loans | 59.54% (p85 of band) | |
| Auto loans | $1.0M (0.58% of loans; DQ 0.29%, NCO 0.00%) | |
| Loans to nondepository financials | $80.7M (298% of equity) (p100 of band) | |
| Deposits YoY | -3.5% | |
| Employees | 47 | |

## Flags firing in the latest filing

- **loans-to-lenders >50% equity** (`conc_warehouse`)

## 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 | wholesale funding >15% | reserve under noncurrent |
| 2012-03 | 0 |  | wholesale funding >15% |
| 2012-06 | 1 | wholesale funding >15% |  |
| 2012-09 | 3 | loans exceed deposits, reserve under noncurrent |  |
| 2012-12 | 3 | capital falling | reserve under noncurrent |
| 2013-03 | 2 | reserve under noncurrent | loans exceed deposits, capital falling |
| 2013-06 | 2 | loans exceed deposits | reserve under noncurrent |
| 2013-09 | 2 | deposits shrinking, assets shrinking | wholesale funding >15%, loans exceed deposits |
| 2013-12 | 3 | reserve under noncurrent, loans-to-lenders >50% equity | deposits shrinking |
| 2014-03 | 3 |  |  |
| 2014-06 | 3 |  |  |
| 2014-09 | 1 |  | assets shrinking, reserve under noncurrent |
| 2014-12 | 1 |  |  |

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

- 2024-09-12 [Lynden Zgabay, Jr. Obituary (2012) - legacy.com](https://news.google.com/rss/articles/CBMihgFBVV95cUxPYmZsYUIxbHZDdnNFODV3TzVlVjcydG93RWxTd3Qzb2ZTb0FfUHNza3FHdlQ1djY3UUxLS0xnNHpSTHYwYmNlZHVnU2Q3RGptZkVtcWtnc0E0WDM3T3RuVmhzeVRrU1lRWjFjQ3U1a0d3TnhrT3pfWE1EampDdzhtUEZ3VlpPZw?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=1176 (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/24.json (key "1176", 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