# INDUSTRY STATE BANK
INDUSTRY, TX · FDIC certificate 12506 · asset band $300M-1B · latest filing 2025-06 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 5 (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 | $641.2M | |
| Deposits | $631.7M | |
| Loans and leases | $182.8M | |
| Total equity | $-2.9M | |
| Loans / deposits | 28.42% (p2 of band) | 81.31% |
| Liquid assets / assets | 66.72% (p97 of band) | |
| Uninsured deposits / deposits | 23.40% (p43 of band) | 24.97% |
| Brokered deposits | 1.79% | |
| Wholesale funding | 1.79% (p35 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 17.66% (p96 of band) | 10.49% |
| Unrealized securities loss / equity | – | -12.52% |
| AOCI / equity | – | |
| ROA (annualized) | -1.65% (p0 of band) | 1.11% |
| Net interest margin | 1.84% (p1 of band) | 3.64% |
| Efficiency ratio | 63.71% (p50 of band) | |
| Noncurrent loans | 0.31% (p47 of band) | 0.36% |
| Net charge-offs (annualized) | 0.02% (p62 of band) | |
| Reserve coverage of noncurrent | 568.94% | |
| Real estate % of loans | 62% | |
| Construction % of loans | – | |
| Auto loans | $2.2M (1.19% of loans; DQ 0.32%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (– of equity) | |
| Deposits YoY | -21.4% | |
| Employees | 40 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **NIM <2.5%** (`earn_nim`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## 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 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | AOCI drag >20% of equity |  |
| 2013-09 | 2 | securities losses >30% of equity |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 0 |  | AOCI drag >20% of equity, securities losses >30% of equity |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 0 |  | capital falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | AOCI drag >20% of equity |  |
| 2018-12 | 2 | capital falling, NIM <2.5% | AOCI drag >20% of equity |
| 2019-03 | 2 |  |  |
| 2019-06 | 1 |  | capital falling |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | capital falling |  |
| 2020-03 | 1 |  | capital falling |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 2 | capital falling |  |
| 2021-09 | 1 |  | capital falling |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | AOCI drag >20% of equity, securities losses >30% of equity | NIM <2.5% |
| 2022-06 | 1 | assets shrinking | AOCI drag >20% of equity, securities losses >30% of equity |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 | NIM <2.5% | assets shrinking |
| 2023-06 | 1 |  |  |
| 2023-09 | 3 | deposits shrinking, assets shrinking |  |
| 2023-12 | 2 |  | assets shrinking |
| 2024-03 | 3 | brokered >10%, wholesale funding >15% | deposits shrinking |
| 2024-06 | 4 | losing money |  |
| 2024-09 | 6 | securities losses >30% of equity, construction >100% equity |  |
| 2024-12 | 7 | AOCI drag >20% of equity, deposits shrinking, assets shrinking | wholesale funding >15%, losing money |
| 2025-03 | 7 | losing money, uninsured deposits leaving | brokered >10%, AOCI drag >20% of equity |
| 2025-06 | 5 |  | securities losses >30% of equity, construction >100% equity |

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

- 2025-12-09 [Moeller elected to bankers association board - SouthTexasNews.com](https://news.google.com/rss/articles/CBMiwwFBVV95cUxQb3BNa3gzZ3ljZXI3VHcwUWRTazBEeGRTNWFPWkdKV25UbExCNWVOLUN6TzYxQ0NQNW1Pd2RpNTBGLW9Ta0Fkd0pFaDUwc3p6SWVtSWV3R3NQVTFZeHdRenVjTmtqLW5zR24tU3ZMNmlVX1dzNzh3d2xQTkRaX0pGRGJRdlBGblFMR2pRc1JiaGZwVkFnaFFBVmVuMV85bEtzQW5hd3E3VFVDdkdmR0NsUk9nQldIbVBMQVNwQ1Rwa3VMbG8?oc=5) · SouthTexasNews.com
- 2025-12-08 [Year in Review: Cadence Bank buying distressed financial institution was a Deal of the Week - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOclNrWnhiVkRPTnJiRXRSdVg0eDViV0ZrMDhCVVVsQks1ZnVXSlVjemVudll0aXo3UW9rMUVnTGs4VDNPLTJ2eHpGX3hEM0dac0JRLTFFM2hHR3hYaldmeElQcWZIOFNEY1ZUX0k4TmNyd0EtNlNZZVpmTnZsT2w0OVhNcTFJaWNfelhhWEtRLXVNUVJoYTlDUWNCWk1CV2RXRVlXakMzM09ZTHM?oc=5) · The Business Journals
- 2025-04-25 [Cadence Bank to Acquire Industry Bancshares, Inc. - PR Newswire](https://news.google.com/rss/articles/CBMipgFBVV95cUxON19KdWJVaHZwMEVhVFpOdVNRanQ3OUdybjdRaWxYVHQ2dDhDQkdpQ0xkcC1jN0txTlJLWnMzcnB2dmdaaU1jcE5mdm9XT0tvbFNrMkFpb3hZRTVCOUp6eFZBVUtEbzRuYTFkUXNoWTJPYVhLVUtfZkJuTmo3YmZMSXg1V05oQXhxMnNKeFlTMGJLblRkVnpMX2RxQ194dXF0TUFydzFB?oc=5) · PR Newswire
- 2025-04-29 [Cadence Bank to buy Industry Bancshares - Banking Dive](https://news.google.com/rss/articles/CBMihwFBVV95cUxPcjdjemlfcVpGNUg2WjdXeFBsQ09HanRhSEVTLVRLeEU5VHBWR0VpaVBINzk5d2gxR01Fb2pyNl9vLXBkemJ1MEFMcW1ESTBjWHVJbV9HRS0tM1FEdkJ5eFczclBiUTNTeXkwSk8wNWUwMlZXeFkyOEZFN3dRVENWMHNuMkplUlk?oc=5) · Banking Dive
- 2024-11-19 [Troubled Texas bank gets another wrist-slap from regulators - American Banker](https://news.google.com/rss/articles/CBMimwFBVV95cUxPelZzcnVfUVY1T2lkdnBaYklkQUZSV3ZkQzJncXJxOExONVlsLURLQl9Lc3I3WU4yc0JLVUVITFlRTW8wWFhNX1ltY2JaSGlNRFRuLWtVOV9aTDVLLTZZWnloZVJ2QTg1QzV4ajQzT2laUjZjSE5HbXhsVHNMTmRqWVZXYVRyay1LMm8yLWI0T3YzZm0ySUhLT3hJQQ?oc=5) · American Banker
- 2025-07-03 [Cadence Bank Completes its Acquisition of Industry Bancshares - ABF Journal](https://news.google.com/rss/articles/CBMikwFBVV95cUxQLUNKT09QR3J4M09NbFdiZEpwTy1LaGQ4S1hLdmFJTnJBanB3eWNpUVBsZmU5dDkxWVhPMFVKc1ZZbTNuSmRpNmZ3YWwxSkkxbXdoeVdDUVM3TndNZnRJM052SGxFUnpXTEdvUEtMUnhtNzRwNDlpb3BYVTVfcmJ6SURmMXU2aUlvcVg0NEU1b0QzQzg?oc=5) · ABF Journal
- 2025-04-28 [Cadence Bank to acquire Industry Bancshares, expand Texas presence - Equipment Finance News](https://news.google.com/rss/articles/CBMivwFBVV95cUxNN2NvM29FUThoVUpFUi1EWkNhbUNvV2hsVWdwTkx2VkJUN0MxeFFhRmsxSjQzMTBhRGlua0NzaXpmYURjX3BrTUE0VWtISzk3MEEtaTN3eXNMM2dkaEFNajRKNHFGTl9XLXhLX1JMcDI5V1c3QWNwdmkyTVlUZHFaQXd2V2JTVXdRWElWT1VJWFItRE9OU0VYOWY0bWtoVUUwb0FLblp4Z192dmhKVUw0MzFrTVNoTTEydllwc2Fkdw?oc=5) · Equipment Finance News
- 2024-10-28 [FDIC hits 3 banks within embattled Texas parent firm - Banking Dive](https://news.google.com/rss/articles/CBMipwFBVV95cUxNZnRidTBvbUsyaF9rVFhqWWxqUU00YkpFN1h4Z0ZIUU95SThMeE5VVy1vblNOZC1hWFdPbVRDdWFmZENyeFJrNXdfTnp3dXpkeDBjcWctcGpFLUFmODFxMHFUaDBzZHFhbHNycU5iM3pHaFlTbnVydlJxRF8yN3lvaWgzcVN4UjZlVlRjajhJV2FYZzhrODVSdEhFZ3Zab2RGbDRtTVNjMA?oc=5) · Banking Dive

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=12506 (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/26.json (key "12506", 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