# HASKELL NATIONAL BANK
HASKELL, TX · FDIC certificate 14399 · 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 | $72.6M | |
| Deposits | $63.1M | |
| Loans and leases | $24.9M | |
| Total equity | $9.2M | |
| Loans / deposits | 39.00% (p11 of band) | 73.59% |
| Liquid assets / assets | 60.53% (p88 of band) | |
| Uninsured deposits / deposits | 8.93% (p11 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.57% (p68 of band) | 11.76% |
| Unrealized securities loss / equity | -10.35% (p39 of band) | -6.57% |
| AOCI / equity | -0.34% (p52 of band) | |
| ROA (annualized) | 1.08% (p45 of band) | 1.17% |
| Net interest margin | 3.96% (p52 of band) | 3.93% |
| Efficiency ratio | 75.32% (p71 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 64% | |
| Construction % of loans | 13.35% (p44 of band) | |
| Auto loans | $962,000 (3.86% of loans; DQ 1.56%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -2.1% | |
| Employees | 20 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 | uninsured deposits leaving | capital falling |
| 2012-06 | 0 |  | uninsured deposits leaving |
| 2012-09 | 1 | reserve under noncurrent |  |
| 2012-12 | 2 | capital falling |  |
| 2013-03 | 1 |  | reserve under noncurrent |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | uninsured deposits leaving |  |
| 2014-09 | 0 |  | uninsured deposits leaving |
| 2014-12 | 1 | capital falling |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2016-12 | 1 | reserve under noncurrent |  |
| 2017-03 | 1 | capital falling | reserve under noncurrent |
| 2017-06 | 0 |  | capital falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | uninsured deposits leaving |  |
| 2018-03 | 3 | deposits shrinking, assets shrinking |  |
| 2018-06 | 0 |  | uninsured deposits leaving, deposits shrinking, assets shrinking |
| 2018-09 | 1 | charge-offs p90 |  |
| 2018-12 | 0 |  | charge-offs p90 |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | uninsured deposits leaving |  |
| 2019-09 | 0 |  | uninsured deposits leaving |
| 2019-12 | 1 | uninsured deposits leaving |  |
| 2020-03 | 0 |  | uninsured deposits leaving |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 3 | expense ratio p90, NIM <2.5% |  |
| 2021-06 | 1 |  | expense ratio p90, NIM <2.5% |
| 2021-09 | 1 | uninsured deposits leaving | capital falling |
| 2021-12 | 0 |  | uninsured deposits leaving |
| 2022-03 | 5 | capital falling, NIM <2.5%, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2022-06 | 5 | AOCI drag >20% of equity, securities losses >30% of equity, expense ratio p90 | capital falling, deposits shrinking, assets shrinking |
| 2022-09 | 2 |  | NIM <2.5%, uninsured deposits leaving, expense ratio p90 |
| 2022-12 | 3 | assets shrinking |  |
| 2023-03 | 3 | deposits shrinking | AOCI drag >20% of equity |
| 2023-06 | 3 |  |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 4 | uninsured deposits leaving |  |
| 2024-06 | 1 |  | assets shrinking, deposits shrinking, uninsured deposits leaving |
| 2024-09 | 0 |  | securities losses >30% of equity |
| 2024-12 | 2 | securities losses >30% of equity, deposits shrinking |  |
| 2025-03 | 0 |  | securities losses >30% of equity, deposits shrinking |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | capital falling |  |
| 2026-06 | 0 |  | capital falling |

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

- 2026-02-11 [Albert David Conner Obituary Feb 11, 2026 - The Hamil Family Funeral Home](https://news.google.com/rss/articles/CBMicEFVX3lxTFBpODZTSkpFT1NOTGVqWDA5Zm9vY3g3Qzl1QVBNZDlJVWR6d2NvQm5qdVhJYkR4R2ZvNDBGUWVvMTJzN0k3dmxoUEFoeWcwcXh5TWFBZTJhVXhOd0ZSc3BBYkp5QTFWOTU1Q2x6X2VJQjg?oc=5) · The Hamil Family Funeral Home
- 2021-10-23 [Carolyn Turner Everett Obituary - Abilene Reporter-News](https://news.google.com/rss/articles/CBMiXkFVX3lxTE42Z2JpUC1pNzFrNGg2T2ZGLW9lRmViaTVpSjhLNGt0OGF3YndIb0JNckEtYmZqdTIxQVJPU2pCSEJyV3VMMkRMTjhjalZhd2dSbVA5bXNOcGhaUlVkSmc?oc=5) · Abilene Reporter-News
- 2026-01-19 [Bob Earles Obituary (2026) - Haskell, TX - Smith Family Funeral Homes - Haskell - legacy.com](https://news.google.com/rss/articles/CBMifkFVX3lxTE1qaWRnN09mNml5UEpwTXV5ZEJLRlZsdHJKZ2NHM0xIVkJPT25TZEhDZmwteGFyYXNnMlljRkZEbE9tWWt3Z2pmSGl4N3Q0OHdZbF8zVG8yZUZhdEY2VnE4VmR5N3pOT2c4RlNzNHFTT0ZhS0tmOXB0QWpHTUdTdw?oc=5) · legacy.com
- 2018-01-22 [Matter of Record (Jan. 19, 2018) - Times Record News](https://news.google.com/rss/articles/CBMingFBVV95cUxPVmFESC1YcUMyVjIyZE1nQ3RCbHU0MGVNNHlzWFdKTUJ4V05hNm5ZdzQzU2o2QnZqQVdzMnF5Mmo5Zk82SVRCRjZZUkNmZ2tITTh2dURWUjRLYWVzNlIwVzdmd3c1UUxoMk1MR2V4QmZxV3dWMUhWaGJqclp5dHBhR1pjX1VGeEdTSi1WR3RTdjVPckg4UmtDTGdLUWRSQQ?oc=5) · Times Record News
- 2019-03-03 [Dickie Sloan Obituary - Abilene Reporter-News](https://news.google.com/rss/articles/CBMiXkFVX3lxTE14c3NpUnE0Y2cxellNRmlieXZuTDcxX21DSEFPcU1aczZfOU5pRHlXZ1hzYXlYb2I3ZEVNZmRKdzNVOWFvZmluVnVjQ01TYlVyekdKc3I1T0VoS2lldmc?oc=5) · Abilene Reporter-News
- 2021-10-11 [Bobbie Corzine Obituary (1933 - 2001) - Fort Worth, TX - Star-Telegram - legacy.com](https://news.google.com/rss/articles/CBMihwFBVV95cUxNX2lYM01FTkdSeXJ4OXNVVjFnem9kNTZBam0xektoVXRWUUNPbjVSUi1WOWV5UDdSdUtFeVM4N3N0b0x6RWNDUURtRU11TFREdXdFT1JnMUxyS0FSRmxnb09mSk9vOFNWd2d4ZnNDV0M4R2xVRm5xeEExUFNkRm5mbmtQbk9jVWs?oc=5) · legacy.com
- 2019-03-03 [Dickie Sloan Obituary (1941 - 2019) - Rochester, TX - Abilene Reporter-News - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxPYlhtQmJPeTJNaExRc3JId1YxTXJOYU1GTWNqRmhYekFBUUpwRDFLM3M0MGF2MnV3XzliRFA1MWVuMHBSTjlDd1dHaUQ3Q2lET0VMTUlHR0kyZG9GM1dSV1hEUWY0MXlacndObThVczhudlFkVVlheUIxaEZBVWFIdGZUb3NWY0toM0E3dGdzXzY?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=14399 (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/63.json (key "14399", 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