# MULESHOE STATE BANK
MULESHOE, TX · FDIC certificate 11939 · asset band <$300M · latest filing 2017-03 · 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 | $113.4M | |
| Deposits | $103.8M | |
| Loans and leases | $49.3M | |
| Total equity | $8.6M | |
| Loans / deposits | 46.91% (p14 of band) | 73.48% |
| Liquid assets / assets | 52.89% (p83 of band) | |
| Uninsured deposits / deposits | 27.36% (p88 of band) | 14.60% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p19 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 7.55% (p3 of band) | 10.87% |
| Unrealized securities loss / equity | 0.06% (p72 of band) | -0.29% |
| AOCI / equity | -1.89% (p0 of band) | |
| ROA (annualized) | -0.18% (p5 of band) | 0.83% |
| Net interest margin | 3.09% (p21 of band) | 3.63% |
| Efficiency ratio | 134.62% (p99 of band) | |
| Noncurrent loans | 0.00% (p15 of band) | 0.63% |
| Net charge-offs (annualized) | 0.03% (p71 of band) | |
| Reserve coverage of noncurrent | 30600.00% | |
| Real estate % of loans | 45% | |
| Construction % of loans | 4.96% (p29 of band) | |
| Auto loans | $2.6M (5.29% of loans; DQ 0.34%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 4.0% | |
| Employees | 26 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | leverage <7%, reserve under noncurrent |  |
| 2011-06 | 0 |  | leverage <7%, reserve under noncurrent |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 2 | leverage <7%, capital falling |  |
| 2012-06 | 0 |  | leverage <7%, capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | leverage <7% |  |
| 2013-03 | 2 | capital falling |  |
| 2013-06 | 1 |  | capital falling |
| 2013-09 | 1 | reserve under noncurrent | leverage <7% |
| 2013-12 | 1 |  |  |
| 2014-03 | 3 | leverage <7%, capital falling |  |
| 2014-06 | 2 |  | capital falling |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 3 | capital falling |  |
| 2015-06 | 0 |  | reserve under noncurrent, leverage <7%, capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 2 | leverage <7%, capital falling |  |
| 2016-03 | 0 |  | leverage <7%, capital falling |
| 2016-06 | 0 |  |  |
| 2016-09 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2016-12 | 3 | assets shrinking |  |
| 2017-03 | 3 | capital falling, losing money, expense ratio p90 | deposits shrinking, uninsured deposits leaving, assets shrinking |

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

- 2023-05-05 [Robert Joe Montgomery Obituary - Lubbock Avalanche-Journal](https://news.google.com/rss/articles/CBMiYkFVX3lxTE5hVU5xZ0RmUl9UVWN0ZE9qNTRZQ2VFay02VlVPUFZVcEE1MmNOY0YzMjZISGdlanFuQkRENHE0TTdxbmQwekcyQUo1eGlDRjNrVHpUX0J3c0QtNGZKMEhqTEZn?oc=5) · Lubbock Avalanche-Journal
- 2016-12-18 [Hell or High Water : A Fun, Dumb Movie - National Review](https://news.google.com/rss/articles/CBMimgFBVV95cUxPRnhCTHpCYUFvbUhBYWJZS283QzNESjBLbzd5cXBVX1d3ZGRqOWtoQ05qdE9DenkwX25GbEU4ckhfWVhsLWZZRmhfR2lhbHRmYXdWSEpQNUZUU0oyNFAwUnVqcHdnTzNDTHBzZTFaQ3k1QzkwaElVUkhaNUNDX2l0ZlJ6TFl0TExsSTQ3VEZRbm9lSDVJMHRKM2NB?oc=5) · National Review
- 2023-05-22 [Mary Moore Obituary (2023) - Muleshoe, TX - Ellis Funeral Home - Muleshoe - legacy.com](https://news.google.com/rss/articles/CBMifkFVX3lxTE1ubFpkTFJuMENkNXQwdW4zYzdMQmJhN0F4SzRfOGJuelNQX1F4R2h5VFJmcWFLcmpFT0xGRjh3ZTczYy1GM2lrM09zTXpGdHlLRGJnM3BWMXJNWjZ0M1dLaGtCdkVhU2VBZm9iRS1INUlKcHNQcExHT1ZlSTkydw?oc=5) · legacy.com
- 2017-11-06 [Cozette Blackwood Obituary - Lubbock, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMihgFBVV95cUxPUW5PZEdfSXlhYlhlQko4NlpIRmdXazVaUjN5WUZmcXdnVjMzWjMtVF9lRVkyMm5Za3ZKNTRUcHNHUElZSzU4VkhZR29WWWhDQ1VBRXVyVEpPS3NYd3RLanNOUmtnRThCdUU4ZWM2RlJCVUJBenRzalRUcnB4ZW52Y21JQkNQUQ?oc=5) · Dignity Memorial
- 2023-05-18 [Sam Damron Obituary (2023) - Muleshoe, TX - Ellis Funeral Home - Muleshoe - legacy.com](https://news.google.com/rss/articles/CBMifkFVX3lxTFBvMzQzQzBlUHJCTmxRSGtUeFNMQnVLWHRxcG1IT0NEaERuaTJ4UkJPMEd6ZktQX1FpdkExdzFvbXRhbEJCZ0tnVGJ1ZFJaTlJVRkljdVZsSEtNWjJSREwtSHhoREVGNGVwTktQOVNTeEkwU3BNdnRSRV9XY2FHQQ?oc=5) · legacy.com
- 2017-01-21 [Lubbock business briefs - Lubbock Avalanche-Journal](https://news.google.com/rss/articles/CBMipgFBVV95cUxPeElqTEM4WVlJR2Zad19oRDdKUE9jR0JUSFFGRVJFR0IxWlo0T2lyUU1ZNkFCVllHc2tEdHY5eDFZLXdZQlpyYUItX2hBWUprNHBvbmFNU1l5X3hSLU9xcFpnQ1FfZlJISURPYUxtcHRxLWlpam5vMkNqeXlpTm13azhlWlI0ZE5pbHFMLThLMmxIY3V6d1hKYTlvb25IdlBmRWZrRmlB?oc=5) · Lubbock Avalanche-Journal
- 2014-03-06 [George Richardson Obituary - Lubbock, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMihgFBVV95cUxPSFFteWdzcW8xTWhSSnpTNVJWMHJHWnYzdUMxaHhMcnpUcVVWQV8xaDVFeVhoRlBTaWp4cHlySTJuRDRwdnJFZkZWTl9BNDY3eGdzUFJQRXFLRWZQREFrNHQwczFMbFVmS1IwUTdfMGV0WW1aeHJkdGh3WmthN0puWjRaR1hfUQ?oc=5) · Dignity Memorial
- 2023-08-19 [Bobby Airhart - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxNREgxc011bW4ydWhLLTNkNUh3U2F1TEFNN2NfcEQybEVwNFk4RGlxS0ZMdktHVUo4LWJhd1ZMMC1RSGFEb0VJWGZrZGJ4RGZsZGh0ZWdiQXh0YjdwOGt3dHdnM1RGcU1ObUpFSV96UWJTM3EwcVlZRFpfLXl5VDJJUUdsOFVlMk1BRzZiTGZIb0M?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11939 (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/35.json (key "11939", 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