# ROBERT LEE STATE BANK
ROBERT LEE, TX · FDIC certificate 15442 · asset band <$300M · latest filing 2026-06 · live

**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 | $42.9M | |
| Deposits | $37.2M | |
| Loans and leases | $14.6M | |
| Total equity | $5.7M | |
| Loans / deposits | 38.88% (p11 of band) | 73.59% |
| Liquid assets / assets | 63.23% (p90 of band) | |
| Uninsured deposits / deposits | 23.40% (p63 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 14.09% (p71 of band) | 11.76% |
| Unrealized securities loss / equity | -25.98% (p17 of band) | -6.57% |
| AOCI / equity | -1.26% (p22 of band) | |
| ROA (annualized) | 0.30% (p12 of band) | 1.17% |
| Net interest margin | 3.75% (p40 of band) | 3.93% |
| Efficiency ratio | 90.75% (p90 of band) | |
| Noncurrent loans | 2.09% (p86 of band) | 0.36% |
| Net charge-offs (annualized) | 0.19% (p92 of band) | |
| Reserve coverage of noncurrent | 56.07% | |
| Real estate % of loans | 63% | |
| Construction % of loans | 7.84% (p35 of band) | |
| Auto loans | $635,000 (4.34% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -4.6% | |
| Employees | 11 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## 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 | 1 | capital falling |  |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 2 | deposits shrinking, assets shrinking |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 3 | uninsured deposits leaving |  |
| 2014-09 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 2 | expense ratio p90, uninsured deposits leaving |  |
| 2016-06 | 2 | deposits shrinking, assets shrinking | expense ratio p90, uninsured deposits leaving |
| 2016-09 | 1 |  | assets shrinking |
| 2016-12 | 4 | expense ratio p90, assets shrinking, uninsured deposits leaving |  |
| 2017-03 | 2 |  | expense ratio p90, uninsured deposits leaving |
| 2017-06 | 1 | expense ratio p90 | deposits shrinking, assets shrinking |
| 2017-09 | 0 |  | expense ratio p90 |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | capital falling |  |
| 2018-06 | 0 |  | capital falling |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | deposits shrinking |  |
| 2019-03 | 0 |  | deposits shrinking |
| 2019-06 | 2 | deposits shrinking, assets shrinking |  |
| 2019-09 | 0 |  | deposits shrinking, assets shrinking |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 1 | charge-offs p90 | capital falling |
| 2020-09 | 2 | uninsured deposits leaving |  |
| 2020-12 | 5 | noncurrent p90, reserve under noncurrent, deposits shrinking, assets shrinking | charge-offs p90 |
| 2021-03 | 5 | losing money, expense ratio p90 | noncurrent p90, assets shrinking |
| 2021-06 | 8 | capital falling, noncurrent p90, assets shrinking |  |
| 2021-09 | 1 |  | uninsured deposits leaving, reserve under noncurrent, deposits shrinking, losing money, capital falling, noncurrent p90, assets shrinking |
| 2021-12 | 1 |  |  |
| 2022-03 | 5 | capital falling, AOCI drag >20% of equity, charge-offs p90, reserve under noncurrent |  |
| 2022-06 | 7 | securities losses >30% of equity, noncurrent p90 |  |
| 2022-09 | 6 |  | capital falling |
| 2022-12 | 7 | assets shrinking |  |
| 2023-03 | 5 | deposits shrinking | expense ratio p90, AOCI drag >20% of equity, charge-offs p90 |
| 2023-06 | 4 |  | assets shrinking |
| 2023-09 | 3 |  | deposits shrinking |
| 2023-12 | 4 | deposits shrinking |  |
| 2024-03 | 1 |  | reserve under noncurrent, noncurrent p90, deposits shrinking |
| 2024-06 | 2 | charge-offs p90 |  |
| 2024-09 | 3 | deposits shrinking, uninsured deposits leaving | charge-offs p90 |
| 2024-12 | 4 | assets shrinking |  |
| 2025-03 | 1 |  | deposits shrinking, uninsured deposits leaving, assets shrinking |
| 2025-06 | 1 |  |  |
| 2025-09 | 2 | noncurrent p90, reserve under noncurrent | securities losses >30% of equity |
| 2025-12 | 2 | charge-offs p90 | noncurrent p90 |
| 2026-03 | 5 | capital falling, losing money, expense ratio p90 |  |
| 2026-06 | 2 |  | capital falling, losing money, expense ratio p90 |

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

- 2023-04-22 [Bobbie J. Allen Obituary - gosanangelo.com](https://news.google.com/rss/articles/CBMiXEFVX3lxTE8zMVc2X3NuMHdEcjRKejNndG5qZGlwdXNQWkEzbEttN2syUFZFSmNVYWVKQms3V250V0FFMmIwaXRXT1kxNVl2Ni1jNVFzYzU5MEhrWjZaOEoxUVpx?oc=5) · gosanangelo.com
- 2021-11-26 [Norma Fields Obituary (2012) - Robert Lee, TX - GoSanAngelo - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxNVkJDX1B3OXJ6Q2lWWHFwOXFHOURULVNoRUNZMEo3YnhZOGFRcXRXdzVFeHlpcXRQM1gwbTlWZDNYRG9YZ28zQ25fbi04bFJYM0RiaElydTRKdzhqcE1aUFZRMGxnVkU4c0pwX0tLQkFtOHMwQWFRanV5OFF0OXpZWHJsYWFuQi0xcVBHaE9GM3Y?oc=5) · legacy.com
- 2022-07-30 [Pansy Bloodworth Obituary - gosanangelo.com](https://news.google.com/rss/articles/CBMiXEFVX3lxTE5fZkIzSDk2dnl5Z250S0tsMTFwc1FocGZseDlMNlRtOUZRd0JJTmVHYTEyV2hTOVJEWFNvaldjWFN4YU1uNnBiYkI4a2JJcHpFRzhWa1FhZTM2NmJi?oc=5) · gosanangelo.com
- 2007-06-28 [CLAY ANTILLEY Obituary (2007) - Robert Lee, TX - GoSanAngelo - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxPWEptckhzS3FmMVF1LWhhbF84RDdNTEVPLVdMaFhfb0pwT3hIbWFJaXNsU0V4Q0o5UllSMUZpTjYyVTNoX05NVkpQYWFoWjFkbkdYUm1XMDhPTTdtV3BWVjlrMHVVY2NSV01XcXgwbDJqbGpRQ2Y3aGhQRVJlYXN3Y1U1amNSQmkybmlJSXFNSlpkZw?oc=5) · legacy.com
- 2021-10-09 [Gladys Waldrop Obituary (2010) - San Angelo, TX - GoSanAngelo - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxQODdIdWFncjhaTjhRc1BEdDgycEczQ3lITjZFRWZrZGRYRzJEc2dsdEczcGtTRkkydDFXM0J0Y2lUem4tZzhPdlladFJ3LXNBTC1CMDVkWWV5bUwya0tuZk9pYlAzeDYyazZzdlFjYzRRMVc2clpVUFpWLWRnRjZzZTdnM21ZU1JkMGVSYnducUxSVUU?oc=5) · legacy.com
- 2020-01-08 [Peggy Davis Obituary (1929 - 2020) - Robert Lee, TX - GoSanAngelo - legacy.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxQQUVzcUppUDhIeWVDUkxwTnBZSEN5cVpMeEFXWVJXcE5vVllMNVlGNDNIZ2h4eGtmUXYxOGtFNkJpamgtR1ZCcTBjcHFWNm92QklURGtQWkhjZGxsc0dKWEFKcThoUGNJZkZRWGI4YzBxOU9qUjJERVVHblRNSUp0QTVFOFkzaXVqbGdnbHktVQ?oc=5) · legacy.com
- 2002-01-20 [WAYNE McCABE Obituary (2002) - Robert Lee, TX - GoSanAngelo - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxOcEs5UVJzcE5kUllYandXamxJZGtQWThEbnF2cldmZlNLSV85cFdOcm1HTUd3dkhWb2JWWFVFV01KTDQ0VzViNDlJb0FsLWM3a0VPWmZxWUlremNFVU9lM3NsZjJDQzBIUmZvT2ZRRUlLSGNmSGhIS3lzQ0R4TkhYTDRvUEFIRFJnZW9obTkwSno?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15442 (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/18.json (key "15442", 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