# BURTON STATE BANK
BURTON, TX · FDIC certificate 13669 · asset band <$300M · latest filing 2021-09 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 2 (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 | $85.1M | |
| Deposits | $76.0M | |
| Loans and leases | $19.8M | |
| Total equity | $9.1M | |
| Loans / deposits | 25.82% (p6 of band) | 63.26% |
| Liquid assets / assets | 76.49% (p95 of band) | |
| Uninsured deposits / deposits | 14.30% (p31 of band) | 18.86% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p24 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.66% (p51 of band) | 10.61% |
| Unrealized securities loss / equity | -0.36% (p18 of band) | 0.71% |
| AOCI / equity | -0.44% (p65 of band) | |
| ROA (annualized) | 0.28% (p12 of band) | 1.03% |
| Net interest margin | 1.48% (p4 of band) | 3.29% |
| Efficiency ratio | 84.66% (p84 of band) | |
| Noncurrent loans | 0.00% (p11 of band) | 0.32% |
| Net charge-offs (annualized) | 0.00% (p63 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 73% | |
| Construction % of loans | 5.34% (p33 of band) | |
| Auto loans | $997,000 (5.04% of loans; DQ 2.31%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 10.6% | |
| Employees | 8 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **NIM <2.5%** (`earn_nim`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | NIM <2.5% |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 2 | reserve under noncurrent |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 1 |  | reserve under noncurrent |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 2 | capital falling |  |
| 2014-06 | 1 |  | capital falling |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 2 | capital falling |  |
| 2015-06 | 1 |  | capital falling |
| 2015-09 | 2 | uninsured deposits leaving |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 4 | deposits shrinking, assets shrinking |  |
| 2016-06 | 5 | reserve under noncurrent |  |
| 2016-09 | 3 |  | uninsured deposits leaving, reserve under noncurrent |
| 2016-12 | 3 |  |  |
| 2017-03 | 2 | capital falling | deposits shrinking, assets shrinking |
| 2017-06 | 1 |  | capital falling |
| 2017-09 | 3 | reserve under noncurrent, uninsured deposits leaving |  |
| 2017-12 | 1 |  | reserve under noncurrent, uninsured deposits leaving |
| 2018-03 | 2 | capital falling |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 1 |  | capital falling |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 | capital falling | NIM <2.5% |
| 2019-06 | 0 |  | capital falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | NIM <2.5% |  |
| 2020-06 | 2 | capital falling |  |
| 2020-09 | 1 |  | capital falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | capital falling |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |

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

- 2021-08-16 [Citizens State Bank acquires Burton bank - SouthTexasNews.com](https://news.google.com/rss/articles/CBMi4AFBVV95cUxOUk52c2dVS2NqMDNVUTJXYlM3RWZDWEtRMmFMd2JkMnRHOTUwdTNrbGlxLU5Oa1RiT1UwbWlDWFFFbGNPVXVQTUJ6WFNYVHFVVDBlX0tvOUQ0VzQ1X1h6aE5UdUoxY3NFTFRLTWdwdmwyMUMySml0UHlidVNjUUlXZFNVUHA4SkQ3dXpibTd4YkxMWXB1d1BhTl9oeTRZYVZlbGc2V3JpQThDd2I2N19GVEZ5SmQ1Q3djaHJPcVFGRUZEaVd2M09ITko3Z003X3dyMFEtejMxVTBSQlRneWxETw?oc=5) · SouthTexasNews.com
- 2018-06-21 [New video released showing bank robbery in Burton - KBTX News 3](https://news.google.com/rss/articles/CBMioAFBVV95cUxONWJsTzhlXzhjaG0wOU5VUElHM00ySkNVd3FobVk4N1NhalYwRVE1bkxDSmFlY054eTJmMFF6VmN1RnQyNTdFRklTdFJDR2hIN2hqaDNVanVNYVhBbDZDcXVGcEd5ZkRJaUlqdGNscnlKTFNXenF5ZXFMdlFUVzVCSmV6b05Ba0tyLVFoRTYtenYyTlVFM2pILWJZcER2RDh5?oc=5) · KBTX News 3
- 2018-06-07 [Suspect still at large in Burton bank robbery - kagstv.com](https://news.google.com/rss/articles/CBMiowFBVV95cUxQeVEzZi0za3gwdk1OajdVZ09oUlA3dFRGaVdDc19GSDBCbGtuLU52X01mc1pQWGhxeHktb00wQTAwRkwwZWJrZjNPbGZ5bVZTbm85UmZQcnZFSGVoTEx5UFJrZlVxd2s3VFk5VEZZNWRVemFJbmltRkhDcEl0M0JOY3NfWUhIMHpLNmdDd2E0RFRQSnNibFRzVE82bFh2WUZkRzZN?oc=5) · kagstv.com
- 2022-10-17 [Jury Split on Whether or Not La Grange Man Robbed Burton Bank - The Fayette County Record](https://news.google.com/rss/articles/CBMioAFBVV95cUxNQm1XaHE4U0xiZVJtUEI0SDNFNjg4OWxTQVdpaGtHZHJ1b255alFHUzZ1NXd4eHVJNlpyeUFCSnQzR1ZYZ2p2RVNjdW4wQlN1SkwwZE4zaExxUkpjRzh6VUxSckl0c3ZsV2pXd2JNZ3JrSElNbV9EbVZ0cWRLdUVPWUlkbmprd0NsRW5Mb21HOVB5Wl8wNTJjM3B4LWlnckx1?oc=5) · The Fayette County Record
- 2023-06-07 [Kelby Jasinski Obituary Jul 19, 2018 - Memorial Oaks Chapel](https://news.google.com/rss/articles/CBMibEFVX3lxTE9oQmNmTDVXWVpabVJfSkV0MDBUcHdDbmNEdU1FMGFDUzhMNDk0OHBVamJLVzNscEJma2NxOVJ2M2lZMmlGVGJMNWZscTRrVGZIRTlTYWZ6UVFiT0gtcHRfc210amJzQjFCZE1ZOQ?oc=5) · Memorial Oaks Chapel
- 2026-01-03 [CSB announces Burton branch president - SouthTexasNews.com](https://news.google.com/rss/articles/CBMi3AFBVV95cUxNYm1sWllCLVg2endPY09sYm5DYU1sRUxCSGV2YmFfdkRMaExjOXQtQVNpV25aWHJBV1hfbzlzSkZzUFRKam9PMndJZ21pRWJqaTVtQjNIU0lpcXlKUHVzSy1WOEZFREY2dk44STZoN1VKb0h0WE43YVl5TGZUT0lBNW4zZTF5ZFJoMHV1MlR1UE9iSUhyN052Q1dFYmhDd0U2VlprQTZHTU1QaWd3cmZ2c1JxSjhuMGlvemwzS0RoMTJnZUIxWHZsSWpXNGQ2end4SVhxRVBkMU80dVFI?oc=5) · SouthTexasNews.com
- 2013-10-27 [Brian A. Fischer - Obituary & Service Information - Brenham Memorial Chapel](https://news.google.com/rss/articles/CBMickFVX3lxTE5leGxVTG1DY2kzdHNOd3liNllyOFZmczA1MlVRaGpaQXg3Q3V0bFdMckJxTTh4NUY5OGRhQk40dlJ2UDdLOUs4OU1mQXo5b2Z0MGJ2RnFBU1pzTlE5MS1yeDQySTdDX2ZqS3dOeVNNeElpdw?oc=5) · Brenham Memorial Chapel
- 2018-01-04 [Texas Hauntings: Could There Be Ghosts at the Burton Roadhouse? - Houston Press](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQVzR0ZlMxdDFDeFJudGxVN3Q5T0JNTjkxVlBHM3c5MXVFcmFmV1daaTZtaDQxRkdPdldpSVYwZnNmSjFNclY4dHBDM2U3YkJITXZWbnc0bUp5THEwWXVKQXYwdDMwQmp5RXZrT1JuY21rN1RvOUNwTFNjZm9HcDdJa3J3cFhXanZBbU9IdU5GMzlsQkNPMmRSRUdVdnpVZ1pHZHkwSG5YRHg?oc=5) · Houston Press

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=13669 (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/37.json (key "13669", 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