# TEXAS STATE BANK
JOAQUIN, TX · FDIC certificate 12504 · asset band <$300M · latest filing 2018-12 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 4 (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 | $121.0M | |
| Deposits | $106.0M | |
| Loans and leases | $92.6M | |
| Total equity | $14.3M | |
| Loans / deposits | 87.17% (p69 of band) | 77.51% |
| Liquid assets / assets | 14.75% (p14 of band) | |
| Uninsured deposits / deposits | 15.68% (p50 of band) | 15.78% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p19 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.58% (p8 of band) | 11.30% |
| Unrealized securities loss / equity | 0.24% (p96 of band) | -1.85% |
| AOCI / equity | 0.29% (p97 of band) | |
| ROA (annualized) | 0.30% (p11 of band) | 0.99% |
| Net interest margin | 1.23% (p1 of band) | 3.82% |
| Efficiency ratio | 68.29% (p46 of band) | |
| Noncurrent loans | 0.75% (p58 of band) | 0.53% |
| Net charge-offs (annualized) | 0.07% (p73 of band) | |
| Reserve coverage of noncurrent | 28.03% | |
| Real estate % of loans | 63% | |
| Construction % of loans | 25.67% (p60 of band) | |
| Auto loans | $1.7M (1.86% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $586,000 (4% of equity) (p98 of band) | |
| Deposits YoY | -7.9% | |
| Employees | 49 | |

## Flags firing in the latest filing

- **NIM <2.5%** (`earn_nim`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | reserve under noncurrent |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 0 |  | reserve under noncurrent |
| 2012-06 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2012-09 | 2 | assets shrinking | uninsured deposits leaving |
| 2012-12 | 1 | uninsured deposits leaving | deposits shrinking, assets shrinking |
| 2013-03 | 0 |  | uninsured deposits leaving |
| 2013-06 | 1 | reserve under noncurrent |  |
| 2013-09 | 2 | capital falling |  |
| 2013-12 | 3 | charge-offs p90 |  |
| 2014-03 | 2 | noncurrent p90 | capital falling, charge-offs p90 |
| 2014-06 | 1 |  | noncurrent p90 |
| 2014-09 | 2 | capital falling |  |
| 2014-12 | 0 |  | reserve under noncurrent, capital falling |
| 2015-03 | 2 | expense ratio p90, deposits shrinking |  |
| 2015-06 | 2 | charge-offs p90 | deposits shrinking |
| 2015-09 | 3 | reserve under noncurrent |  |
| 2015-12 | 2 |  | charge-offs p90 |
| 2016-03 | 2 | capital falling | expense ratio p90 |
| 2016-06 | 0 |  | reserve under noncurrent, capital falling |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | assets shrinking |  |
| 2017-03 | 0 |  | assets shrinking |
| 2017-06 | 1 | reserve under noncurrent |  |
| 2017-09 | 2 | capital falling |  |
| 2017-12 | 0 |  | reserve under noncurrent, capital falling |
| 2018-03 | 1 | charge-offs p90 |  |
| 2018-06 | 1 | capital falling | charge-offs p90 |
| 2018-09 | 2 | expense ratio p90 |  |
| 2018-12 | 4 | NIM <2.5%, reserve under noncurrent, deposits shrinking, uninsured deposits leaving | capital falling, expense ratio p90 |

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

- 2018-11-07 [Glen E. Roney, Banking Icon of South Texas - Texas Border Business](https://news.google.com/rss/articles/CBMiekFVX3lxTFBYVk9wdHQ5N1BjRnZieC1wdDJYbzZGVTlSMlh2RmR5TGgzQmZfR3FuVkxmN1g4dGNvODdYRG5wNVdxUE9uYmtQVXF2X1Rzdmh2RlBDMWJLR2s2TUc0M3pDTGxXNWRESk5EY2dzMWd3MXEyUUNab2t3NURR?oc=5) · Texas Border Business
- 2019-02-04 [American State Bank, Texas State Bank merger completed - KLTV.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxPTmdqVk9vS24wTnZ3R29JRG91c05WdE5mUjBhQTZJM254UWcxU1YzTGF5OUZqaURvaEtNaHVGZm9oN3ZJLVMwX1ZmVTVSb09jbktyU1g4OVVVOHlJbFY2WGxUQnR2MmFrQ1BDR0F4M09FN2loWGtDT2duanNiZ2ZOQlo3akozM01hbi1UYjlpUdIBowFBVV95cUxQT3dMOGlnbUh5aHdvNUV5NjZ3N0NNeUp1TlV4MTZoc0g5U0pic3AySk5NWURqNjVpclpYaEIxNGJtMG9DVFo3TldnX3VNZmFvMjVBclMyNzlaNVctNW5PMWN0NjRvZkVpcThYbU1KcUFuTXo0YTFoWTBiQVgtNl9SS2ZfaHJJd19OU0ZoZWc2VHcxNjcxSDhFX000RC1uU214eV9v?oc=5) · KLTV.com
- 2025-07-21 [West Texas State Bank announces promotions - Odessa American](https://news.google.com/rss/articles/CBMigAFBVV95cUxQaks3NjNfX0otdm9VY2w2WERXOVVCOFhKRVd4S1lpbnJtVDdhdFVJM1VGVDc4X1lqa1NCZXVtMHJOSG1BYzNHQ2s1QTZmN3M0NTJfM3RSNWs5UzNLd09lejVObGJIN083S1c3V0g1NzBHQXlIb3lReUR5WlVJd2ZNNQ?oc=5) · Odessa American
- 2018-11-14 [Glendon Roney Obituary (1930 - 2018) - McAllen - Dallas News](https://news.google.com/rss/articles/CBMioAFBVV95cUxNLUpzR3QxMWlyOWszUTZJSlAzNFhhbTBWb0ZSWWxveEdSME00RGhSaUlvRGFsWWVpeV9JVE1sZVlmU3kyd09lbTB0Yy1KaEVjaFdyU0k5YVVKZWxmZWlnMV9kNjZPREZfcENSS2RGOGY4RXFRSVFOWm9LYUxNZ1ZyVHFtVHVINVlpcjl2eFgwU2JFTE1rNEpjTFE5MENuSHFC?oc=5) · Dallas News
- 2025-01-23 [Best CD Rates in Texas - GOBankingRates](https://news.google.com/rss/articles/CBMie0FVX3lxTE1MREFwZUt5VFZiZ2NaTmltTzRFVkhzTWNzal84RExoZXNYeUxVMVFtTlFnQzhOMWJVVTVFbHo0N0cyOG04ZWU0alZWUldORmszMUlFa3EwNEtmSDZxZVhCM0ZGV29GX0RvcDV3RlJrazRWV0RVbWE2NWdDb9IBzAFBVV95cUxQZ1hnS1ZLaTJwRno2bVlFS2gyd0F3Z0FUU2xhbVRjRC1wdjNTX1NwdEVva05sWUJFdlVpd0tubXhoWDI4b3U2Zlh1clJjZlpLdFpvTXI5ZnJfS041LXVVNGhJb0czMzREd0pYLW03QWdHTW5KaUtJVmVTNWRUWHdWa3Q0TTJ3OGFESWRiWWZocWwyTmpWYTljNVhCMTFHTDFFY2hRQjBpTWJwNWU5cnRJb3Y2MVVxZ282eEhVR2R1N0I1VEc0b004aV9IaXE?oc=5) · GOBankingRates
- 2018-07-18 [Lawrence Nathan Winters Obituary Jul 18, 2018 - Buck Ashcraft San Benito Funeral Home](https://news.google.com/rss/articles/CBMickFVX3lxTFBzNGtfeHMxQkZpR19aVUx6WkpIbURaNEZGTkVBekVYS2Q1cXNEZGJ3YjNuLXpDOWhaYm9EcjctTS01ZE04VjVtMl9oVWFGQVkwQ0RDaW9hTU9DdnctNXFOb1hTelhSMmo3cV9xN01jTjFIZw?oc=5) · Buck Ashcraft San Benito Funeral Home
- 2022-11-16 [Gary Wayne Wilson Obituary - Corpus Christi Caller-Times](https://news.google.com/rss/articles/CBMiVkFVX3lxTE9kWjhUcnNDc3pUcFhpTHRlWXB3eTM2bTJqNjY0RGhKRy1vUGV1MEJZVnFjU1psckEtSV9mNWZVRmJkRW1vbkNscWktSUtzV2QyRjk1SkVn?oc=5) · Corpus Christi Caller-Times
- 2019-07-19 [Greta Tatom Obituary - Austin, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMifEFVX3lxTFA4ejQxS2loZDlpZDkxRFhCSnltU0VRaFlzckYxQktHZEVUcnJWSGsxeWNqUExIWnVMTmJ1TFlTRFpLNGRsV1J0TV9GZ0VJODRteUtMaHl1Vi1JeWNSeDBPbFFmeVVIWm5TNy1TQ1pJc2p1cHRodVhvTHFKMG0?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=12504 (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 "12504", 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