# ARROWHEAD BANK
LLANO, TX · FDIC certificate 1198 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $295.3M | |
| Deposits | $259.9M | |
| Loans and leases | $174.8M | |
| Total equity | $34.6M | |
| Loans / deposits | 66.57% (p39 of band) | 73.59% |
| Liquid assets / assets | 39.80% (p62 of band) | |
| Uninsured deposits / deposits | 24.50% (p66 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.89% (p51 of band) | 11.76% |
| Unrealized securities loss / equity | -3.48% (p63 of band) | -6.57% |
| AOCI / equity | -0.97% (p28 of band) | |
| ROA (annualized) | 1.82% (p80 of band) | 1.17% |
| Net interest margin | 4.75% (p84 of band) | 3.93% |
| Efficiency ratio | 52.83% (p19 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p56 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 81% | |
| Construction % of loans | 44.76% (p76 of band) | |
| Auto loans | $2.7M (1.57% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 1.9% | |
| Employees | 58 | |

## Flags firing in the latest filing

- none

## Warning timeline

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

- 2023-06-21 [Arrowhead Bank ~ 100 years! - San Saba News & Star](https://news.google.com/rss/articles/CBMib0FVX3lxTFBIRklkQ1RYV3hzUmlWbjZ1RUZrVkV2NDFzQW5aOEdsWkkxRnBnejZHbWVrYkwwbWQ1MVlfSkdMc2JrTEstUXJsSF83ZFd0c25mc3RQU0tqQ1J4NlZtQ3psTXJVQ09zV2wtc3I2ZzRwOA?oc=5) · San Saba News &amp; Star
- 2022-12-28 [Christopher Stewart Obituary Dec 28, 2022 - Kerrville Funeral Home](https://news.google.com/rss/articles/CBMieEFVX3lxTFBHSXEtUE1xWWVaRTI0dmVMSHZBRTRVMzl6dnJmd1IxU0FwUWdMTVVjckl1VU4zUFF4WUUwWnFuaURRUUs2RjZxUzZ1MDAweEV1Mk85dk1GUGN4Yk1URExpX3lPX25tZjdXdVB0aEtWbFc0aVMzaXQzOA?oc=5) · Kerrville Funeral Home
- 2022-09-15 [Juanelle Linenberger Obituary - Marble Falls, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMikgFBVV95cUxNR29JWkRsVUYzSmVLQkdScjJvLUJrdVVkek9xc3FHZDNPZ2JBRm01WkowYnFTNmtDb2tvU0xoeVpBcDI5OUI3S0dsY1ZNSUJBZU1vNEpyMVBwX1R3aFAwNzROeVlfbzhEWVlnZlFLb0FmZ3U1UzRFYjF4UWxOSlZqOUl2TGxfdm92bHRWWUFxcUdwQQ?oc=5) · Dignity Memorial
- 2002-04-24 [Albert Moursund Obituary (2002) - San Antonio, TX - San Antonio Express-News - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxQM093Q0t4SU5GZHhzQ1hQVzNMLU5CbzVSMW1xeXBYZ0pVcjM3Wk9zMTdIS0ZXSjA1czRaREktYWMxaF94NElNSW1kRUQtUVpaRnVNTjhKajc1NTM0ZVc4MzBSaDM0Z1pZdlJHNTF4Z2hUeTBQNDJhQm90VTBybEJlTkRmOEhHNXNCWmlmQmpZTS1xOGM?oc=5) · legacy.com
- 2021-11-10 [San Saba Middle School reveals winners of annual 5th/6th Costume Parade - San Saba News & Star](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPLVhHZHJXT254NHFjMVZIeFhmUnYxWHpTOHd5cUhSWlBqQVpSRzEtbk9Wd0EtSXVYZnJmLTRRNk51WmpxbXd1TzVlSEIzUEk4dDZZbElCYmZCZHpTelhEaWNuR1F0RXNBTDNkUGgzVmN5NTcwekozZktKMVlHWUpHM29kZ0lwTjNoVnRkT1ktMEE0Mk5GX1RGRTV6Vmp1b3dVSzdpNHBaVms?oc=5) · San Saba News &amp; Star
- 2022-06-14 [Aidan Michael David Hendrickson Obituary (2022) - Austin, TX - Harrell Funeral Home of Austin - legacy.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxNb1ZwelByLWY0NzEydHRlc1c1OHFfVjk0YWhqbExIcEFpdnljZWNPaWt6M0lYRGg2QkpqRTI1Um5KNEhSNTJqZEplTVZ5TkxLbzZUaHlxV2dRMWJ3UnZMS0F0eFJQOW9PUUNNbWxfR01OQjlPYXVhVDZLM25ldG92Z0c2dmJ5dFQwQW5RenhSTQ?oc=5) · legacy.com
- 2020-06-03 [Seniors 2020 Gift Basket Project - San Saba News & Star](https://news.google.com/rss/articles/CBMiekFVX3lxTFBjRUtScFVyX2pqQndjbFhBcTdseUpMWkhXWXRadVNjcHVmdmwxMHpyYmFhN0pCRExSRFlSTXJuRWJGakRRbExrLUJ0WmVyd2V1S0ZHV2pyRTNxMkY1cnpXZk9zQ0N5c2V2U1VUWmhiTzdWNzRYdzVUX0Rn?oc=5) · San Saba News &amp; Star
- 2002-06-16 [ALBERT MOURSUND Obituary (2002) - Johnson City, TX - GoSanAngelo - legacy.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxQdncwNkZ3a2h1VGFxdUxrQ0EzazlPM3Q4UVpDSnFkcjJkT0dyYm1jRUptUHNvbHZ1bVJoV2V1bHd5bm9OMGFoU1VacHhsYzVIbmtjVkowQ3NvVG9kZklrdEZCUW5lakcxbjRWdGN1SDlnb3dFZzdocWdSd0lkTUlQQS1lNGpaNTZhcXVkVGVpT01wazdE?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=1198 (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/46.json (key "1198", 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