# BUCKHOLTS STATE BANK
BUCKHOLTS, TX · FDIC certificate 11916 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 0 (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 | $138.8M | |
| Deposits | $114.4M | |
| Loans and leases | $86.9M | |
| Total equity | $24.3M | |
| Loans / deposits | 75.37% (p53 of band) | 73.59% |
| Liquid assets / assets | 37.13% (p59 of band) | |
| Uninsured deposits / deposits | 21.45% (p56 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 17.62% (p86 of band) | 11.76% |
| Unrealized securities loss / equity | -9.18% (p42 of band) | -6.57% |
| AOCI / equity | 0.00% (p78 of band) | |
| ROA (annualized) | 2.89% (p95 of band) | 1.17% |
| Net interest margin | 4.44% (p74 of band) | 3.93% |
| Efficiency ratio | 36.11% (p2 of band) | |
| Noncurrent loans | 0.02% (p26 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 3888.89% | |
| Real estate % of loans | 33% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $1.2M (1.42% of loans; DQ 1.62%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 7.0% | |
| Employees | 15 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 2 | reserve under noncurrent, uninsured deposits leaving | capital falling |
| 2012-09 | 0 |  | reserve under noncurrent, uninsured deposits leaving |
| 2012-12 | 2 | capital falling, uninsured deposits leaving |  |
| 2013-03 | 1 |  | uninsured deposits leaving |
| 2013-06 | 1 | reserve under noncurrent | capital falling |
| 2013-09 | 1 |  |  |
| 2013-12 | 0 |  | reserve under noncurrent |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | capital falling |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 | reserve under noncurrent | capital falling |
| 2015-09 | 0 |  | reserve under noncurrent |
| 2015-12 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2016-03 | 3 | assets shrinking |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 2 |  | assets shrinking |
| 2017-03 | 2 | reserve under noncurrent | deposits shrinking |
| 2017-06 | 0 |  | uninsured deposits leaving, reserve under noncurrent |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | reserve under noncurrent |  |
| 2019-09 | 2 | noncurrent p90 |  |
| 2019-12 | 5 | charge-offs p90, deposits shrinking, uninsured deposits leaving |  |
| 2020-03 | 3 |  | charge-offs p90, deposits shrinking |
| 2020-06 | 1 |  | noncurrent p90, uninsured deposits leaving |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 | uninsured deposits leaving | capital falling |
| 2021-12 | 1 |  | uninsured deposits leaving |
| 2022-03 | 1 | capital falling | reserve under noncurrent |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 0 |  | capital falling |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2023-12-28 [Rogers community raising money for family affected by deadly house explosion - kcentv.com](https://news.google.com/rss/articles/CBMi6wFBVV95cUxPVVN2Znd1VENhVkRDNzU5UVhYSHVGWjFmWkJmNHZVb3NJOF9kRlhCZ3d1a2F0bjUzRmVzTzl0NW01WVpFTDFSSFQxUm1vREpjczRQX3R3SmlGaW9zUDNNYjNYUVBwQXd2TTdzSXplcEV5LUtvTDN5RnFMb3ROaVZhbDRscXgyUHNnZnpQV3JOVnhnMUlPRl8zRDRKSUFpZ2dkN2dRcmhqaVJ5NzMzZXlJQmgxZDFaajdLRjAxdFVVcFM0MllTRWVEV2h3eGtwd1k4b0RhU3lmSmdVWHZ0MVhNU04tdVdIelVOR3V3?oc=5) · kcentv.com
- 2022-09-22 [Carol Chervenka Obituary - Temple, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMigwFBVV95cUxOdG9YbENHQ2JXMFBrN0dPck01QktxYlMtaVpMdlZwV2xCYUl6cWl0dHlveGFTanVfSnF2YXpoVlIyeXdzV3ExQXNIdG81eWw5ZnBIWXlKT1JVYlF5V2NHYTNPMEdYZS1FUE9ya2NKQ0JmekR5QkxyaVBQUnFfX1EtZTkwMA?oc=5) · Dignity Memorial
- 2021-08-30 [Mary Rinn Obituary (2021) - Cameron, TX - The Cameron Herald - legacy.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxNY2hVMGlvZkFOVE40TGQ5Q2p5eXJiOFhUX1pKM295UFVvQTY0M3o5SzVfTlZqUXdqZUgyazFhN19PcVR3Y1FFN2ZMWlpveXZENnNqblB2LVAxTU5KQWF2TWVFVmlrSTllVkNEbnhvZUZjT2VsaXFyY0JOd252eWRHNnhaWFo2VkRtWW1jXzYtZw?oc=5) · legacy.com
- 1989-03-23 [State shuts down three Texas banks; 26 failures in 1989 - upi.com](https://news.google.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?oc=5) · upi.com
- 2025-04-04 ['Everybody's been here to help' | Central Texans raise $180,000 for Rogers girl who lost family in car crash through cattle auction - kcentv.com](https://news.google.com/rss/articles/CBMi3gFBVV95cUxONFNzVE1uaUVvSGJRRVkwa2xzenVpTm9RejFBb0ItMWktSU9LQ0pCWnpIbjR0QmVtRFEtSUJFcVdIZ1dLX1hyQ004clY0RzNzZVJtZ1JHWUtNaHQtM2ZFT0tmMEE2YmtRWkpCbEl4X3ZnZFVzaFR2UEU1UmVuQVlPV1hqNWtUMThaSGRKMk81UW9vYVJ1YXNNbzNaOUJTMGg0VjdtbHhzYU1vV1ZpQTBPZ055UG1zTU5oRzN0UWpNb1JTRVRPdUJGaE5tSDFoMnU4RzBUTVpoeVQzNTZ3d1E?oc=5) · kcentv.com
- 2021-12-14 [Christi Coufal Obituary (2021) - Cameron, TX - The Cameron Herald - legacy.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxPN3NxcW51ZnJ5cm9PMDJaZF85QktEQmpXLXYzWE5BQlJkZURaal9GNFUyTnJsUmNrWGhoLVdRLXBoRzdNcDg4MGtGU1I5dktnaEVjeUYtVjV3R3NxM0pIVXhVLWVnaWNQdlRPN3ZGeFRId0VSYTNqQkNPNDgzTGltVzREaUpUZlNJY3B0X1EzTno2eUhkMEE?oc=5) · legacy.com
- 2025-03-31 ['Every community wrapping their arms around her' | Central Texas community comes together to support girl who lost family in crash - kcentv.com](https://news.google.com/rss/articles/CBMi5AFBVV95cUxQaFU0WFZYYXI1RmEteU44UElkYm5sT1dRb2VJQ0U1azdYRG1qUElRMFlRSHExU0hvdXlRVm9zNHFZRTczWlJENG5neW5OOHBib2ZfYkExaXRVcnByYkt3QW1SeGlrMmpkbVdlblZKMk0xR0RPYTl4RnVfck5tbldyYXlNNW1uRG5hcHlMNHBNUUs0SG1yQTBfZGlremlGQXBKYzliamhvNHRFa21GOEQtTmVuZXpwdGloZkJUNDA5VVd3d25nRTl5dUlDQWVXaVBucnNUYlk4Ym9pYlhRWm5LYTlnRVA?oc=5) · kcentv.com
- 2025-10-21 [Gwendolyn Hauk Obituary (1938 - 2025) - Cameron, TX - The Cameron Herald - legacy.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxPa0l2em1GbTNuTXZPa05NZS1xLVhIejZ0SjNlUTRQR0s5LUVBMi1LMDhYU19qTHlXSEc3WlZqX2ZjSzFESTBnc2hPOXFWSWpUUjBhMVplcmhfSkRPaE5KM0M4M3cyNmRNbEJmd1p1dy1NeU1ReW12RzdoTTNBbmoybW14azVaekc3eHRlVTgzQThRZk9pX2c?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11916 (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/12.json (key "11916", 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