# TEXAS FIRST STATE BANK
RIESEL, TX · FDIC certificate 15300 · asset band $300M-1B · latest filing 2019-12 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (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 | $397.0M | |
| Deposits | $369.4M | |
| Loans and leases | $185.7M | |
| Total equity | $27.0M | |
| Loans / deposits | 50.13% (p6 of band) | 85.34% |
| Liquid assets / assets | 48.86% (p92 of band) | |
| Uninsured deposits / deposits | 39.88% (p89 of band) | 22.41% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p10 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 6.67% (p0 of band) | 10.60% |
| Unrealized securities loss / equity | 0.71% (p49 of band) | 0.73% |
| AOCI / equity | 0.37% (p19 of band) | |
| ROA (annualized) | 0.33% (p6 of band) | 1.13% |
| Net interest margin | 2.61% (p5 of band) | 3.74% |
| Efficiency ratio | 86.71% (p94 of band) | |
| Noncurrent loans | 0.02% (p8 of band) | 0.54% |
| Net charge-offs (annualized) | 0.01% (p33 of band) | |
| Reserve coverage of noncurrent | 1964.29% | |
| Real estate % of loans | 87% | |
| Construction % of loans | 138.00% (p97 of band) | |
| Auto loans | $320,000 (0.17% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 1.8% | |
| Employees | 58 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **expense ratio p90** (`earn_efficiency`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | leverage <7% |  |
| 2012-06 | 0 |  | capital falling, leverage <7% |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 2 | leverage <7%, capital falling |  |
| 2013-06 | 0 |  | leverage <7%, capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 2 | capital falling, NIM <2.5% |  |
| 2015-06 | 0 |  | capital falling, NIM <2.5% |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | construction >100% equity |  |
| 2016-03 | 2 | capital falling |  |
| 2016-06 | 1 |  | capital falling |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 | expense ratio p90 | construction >100% equity |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | capital falling, NIM <2.5% | expense ratio p90 |
| 2018-06 | 2 | expense ratio p90, reserve under noncurrent | capital falling, NIM <2.5% |
| 2018-09 | 2 |  |  |
| 2018-12 | 1 |  | reserve under noncurrent |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 3 | leverage <7%, construction >100% equity |  |

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

- 2019-10-02 [Abilene police believe First State Bank suspect robbed other banks, including one in Clyde - Abilene Reporter-News](https://news.google.com/rss/articles/CBMi3gFBVV95cUxPcVNqNENDOEdvRmpCTmdzWVlCX21nTi15UmVWanI1X1REY1BEa1YwWnF6TDFhTk5HUlVNSWZ2NDBDQnJMbW5ObWE4aTUxdzZpRDh5SHNsUFR2QnlXekxwR19PMGxxM2g1SldiTTB2eWIzVUY1Sy1CdlBRcHJzZGNuc3dwWWFORGJndjh2dnR2czJXRS02SXFGVEFveXQ1Nlh5WDExMFI0WG56U1Y0OEpVN1d1TlcyUGhnb3FueGFqcnlaTXp0M3hYZm90OE9SMkVEb1NHTmx5ZDdSR0daYkE?oc=5) · Abilene Reporter-News
- 2024-10-03 [Alexander Christian Reed Obituary May 22, 2009 - Wilkirson-Hatch-Bailey Funeral Home](https://news.google.com/rss/articles/CBMibkFVX3lxTE0zTl8tZWhuelBha0hVZkZWd1gxa3NhVjlBUDBXejRwVGo2Q1FveXZQYlpEb3NINE9tZUF1TlZ0UXlkMzdyRVlhd0R0My0yMHNQaVBDaTRhRTJXRHpuZHJPYWxmOHlVQ0k3V1VFX193?oc=5) · Wilkirson-Hatch-Bailey Funeral Home
- 2020-08-30 [Bobby Jack Smith Obituary August 30, 2020 - Grace Gardens Funeral Home & Crematorium](https://news.google.com/rss/articles/CBMiY0FVX3lxTE9VbVYybkp3LTFJejNmLWNtUnN1czJKZkhfbnc1Q2JVdlY1LWZLcF8xaEFYVDR6dTZRbHAwdWVhSEdsS3JEOHNpcS05N2tIOHVWQ1ZJZGZsaC1xeHlPQ3BfbG5WOA?oc=5) · Grace Gardens Funeral Home &amp; Crematorium
- 2018-10-02 [Here are all of the banks that currently support Apple Pay - iMore](https://news.google.com/rss/articles/CBMid0FVX3lxTE9ZY3JkQUdrNTNjWmMzVFk2QXBlWExaRnI3bjVsQ28wVlFRWUc5TEVWMm5TWkZ6RmtKTTNZRUhKbExyS25yb2pnRTc5VklBeW13Mzk0aU9MWVNGbHpiMDJUM1pfOVFvdFhCdGpNLUJQVG9ybXYzNlc4?oc=5) · iMore
- 2024-10-02 [Charles B. Turner Obituary Sep 12, 2018 - Wilkirson-Hatch-Bailey Funeral Home](https://news.google.com/rss/articles/CBMiY0FVX3lxTE1yUFFld0NqZEJwRkRoemY4dXR2MzZWWjRZeDM2dGl2d2kwdS1SbFlQVDhpeVkyZFJTNTQ3OTlvV2dBU1Vhb0pDWHkydjZwLU5DU08xSnBmSzMxRTZYeXAtaU5HZw?oc=5) · Wilkirson-Hatch-Bailey Funeral Home
- 2018-03-26 [Jo Dunlap Obituary - Marlin, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMiekFVX3lxTFBRWnRxOGRZY3JSbTY4bjNSN3AwZVV5cmVVemNVUUZjbTdUdlpQdUpTODg2YXQ3a1R4cFZzSU9PY2xKY09RTC1ycDV6eHp1UmlhZ01fY3F6cXlQNncxMUZVWTI0cTlEd2pRaURaVVJNUmdvelptaWgxLUF3?oc=5) · Dignity Memorial
- 2017-03-16 [Wilma Lindeman Obituary (1923 - 2017) - Sinton, TX - Corpus-Christi Caller-Times - legacy.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPQVJYbnIwYlAwOGVsUV9KUXlJUUx0Mkdldl9xVkxqV1FXUEZVUmY3UWJnVVZtQWVWWlYtTGNEU2dTVjg2akNTNzZRaEVXbnJNSGNBSXlNMVF0Y1RKZGpMY2htNFRLZjJIeEZoWWo3ZWQwRmFiUmhvNWxVWkdNcEFfc21WMTlqRVp2Q2NN?oc=5) · legacy.com
- 2024-09-27 [Rondy T. Gray Obituary Apr 3, 2023 - Wilkirson-Hatch-Bailey Funeral Home](https://news.google.com/rss/articles/CBMiXkFVX3lxTE1sZDRhUWk5cnpOTEx2akhIcEF1X0pWMXNOODMzWG9hZTRYS1JuMDktLTJqQnlFeE1XYmYxOXJFX295S19Cb3Q2dWpIQ0VCZU5odVZPUDFDOXFob2dwemc?oc=5) · Wilkirson-Hatch-Bailey Funeral Home

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15300 (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/4.json (key "15300", 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