# BLOOMBURG STATE BANK
BLOOMBURG, TX · FDIC certificate 13563 · asset band <$300M · latest filing 2016-06 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $16.9M | |
| Deposits | $15.2M | |
| Loans and leases | $13.3M | |
| Total equity | $1.7M | |
| Loans / deposits | 86.49% (p71 of band) | 74.58% |
| Liquid assets / assets | 20.13% (p24 of band) | |
| Uninsured deposits / deposits | 3.25% (p5 of band) | 14.02% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.79% (p32 of band) | 10.79% |
| Unrealized securities loss / equity | 0.06% (p13 of band) | 2.02% |
| AOCI / equity | 0.00% (p10 of band) | |
| ROA (annualized) | 1.07% (p64 of band) | 0.86% |
| Net interest margin | 4.06% (p73 of band) | 3.65% |
| Efficiency ratio | 67.59% (p38 of band) | |
| Noncurrent loans | 0.00% (p7 of band) | 0.67% |
| Net charge-offs (annualized) | 0.06% (p72 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 46% | |
| Construction % of loans | 27.55% (p65 of band) | |
| Auto loans | $395,000 (2.98% of loans; DQ 0.00%, NCO 0.06%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 4.9% | |
| Employees | 6 | |

## 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 | 2 | deposits shrinking, assets shrinking |  |
| 2012-06 | 1 |  | assets shrinking |
| 2012-09 | 1 |  |  |
| 2012-12 | 0 |  | deposits shrinking |
| 2013-03 | 1 | uninsured deposits leaving |  |
| 2013-06 | 3 | deposits shrinking, assets shrinking |  |
| 2013-09 | 3 |  |  |
| 2013-12 | 2 |  | uninsured deposits leaving |
| 2014-03 | 3 | uninsured deposits leaving |  |
| 2014-06 | 2 | losing money, expense ratio p90 | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2014-09 | 2 |  |  |
| 2014-12 | 3 | capital falling |  |
| 2015-03 | 1 | uninsured deposits leaving | losing money, expense ratio p90, capital falling |
| 2015-06 | 1 |  |  |
| 2015-09 | 2 | capital falling |  |
| 2015-12 | 1 |  | capital falling |
| 2016-03 | 0 |  | uninsured deposits leaving |
| 2016-06 | 0 |  |  |

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

- 2019-03-06 [Bloomburg's history is a mystery - Texarkana Gazette](https://news.google.com/rss/articles/CBMigwFBVV95cUxOUnVickJWN3ZUd1ZuclVuWDJmYktNTHppWndBWmdhTmpFY1pSWEREdnZjNHZrSGFfeU5CczlFUFR5MGJNRTg0S0I1S25iMVhQbmlDSTM4N21MSmhURHZCNGJRZFY3Q19nRUp4bUI0MDlEbWhEY0ZHUDEtdzFDN2ZRSDk5aw?oc=5) · Texarkana Gazette
- 2012-08-27 [A. Blackshear Obituary - Houston, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMif0FVX3lxTE13UElFaHYwS0puOGZTZG9ram1YQXZ2NGJvZGYzMElONDBwQmNDcmM4bE1qNlpJNXNqaHBjTXowU1ExLVdrZjd4Ym5PQ2hHR3VGQ3dyUTJINFJRZ3duelFmbHNNdm5oci0ycDNpNW1HUFppSzZXcXZfVHZldFFCWkE?oc=5) · Dignity Memorial
- 2017-05-03 [Haynes Grocery was a focal point for the Bloomburg community - Texarkana Gazette](https://news.google.com/rss/articles/CBMiowFBVV95cUxOckJzUFdpYUZMOElBY1dyazFzdThSeERTSlczdGpESmxVY1RXRWVGTE5QZUN4TUlzS1RVekVKel9FS0xIUmp4ZnJFMVE2RE9ZN3JXM0Y1Z3FzWFR0THFYWDk3XzlCXzduYThCSnhqVlhyVWZVd0gxNThlY3R2c1ZvdUZZWDd4aVVZSGRFV3AyTS1mSmdaWnlvRHF4WG5VYVFWN2hB?oc=5) · Texarkana Gazette

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=13563 (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/59.json (key "13563", 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