# SPUR SECURITY BANK
SPUR, TX · FDIC certificate 15460 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. 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 | $140.6M | |
| Deposits | $127.3M | |
| Loans and leases | $95.5M | |
| Total equity | $12.6M | |
| Loans / deposits | 74.23% (p51 of band) | 73.59% |
| Liquid assets / assets | 31.50% (p48 of band) | |
| Uninsured deposits / deposits | 36.82% (p90 of band) | 19.81% |
| Brokered deposits | 12.99% | |
| Wholesale funding | 12.99% (p89 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.39% (p57 of band) | 11.76% |
| Unrealized securities loss / equity | -38.72% (p10 of band) | -6.57% |
| AOCI / equity | 0.32% (p93 of band) | |
| ROA (annualized) | 0.75% (p28 of band) | 1.17% |
| Net interest margin | 3.84% (p46 of band) | 3.93% |
| Efficiency ratio | 75.51% (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 | 69% | |
| Construction % of loans | 91.87% (p92 of band) | |
| Auto loans | $293,000 (0.31% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 17.0% | |
| Employees | 20 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **securities losses >30% of equity** (`cap_secloss`)

## 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 | reserve under noncurrent |  |
| 2011-12 | 1 | capital falling | reserve under noncurrent |
| 2012-03 | 0 |  | capital falling |
| 2012-06 | 1 | reserve under noncurrent |  |
| 2012-09 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving | reserve under noncurrent |
| 2012-12 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 1 | reserve under noncurrent | capital falling |
| 2013-09 | 1 |  |  |
| 2013-12 | 0 |  | reserve under noncurrent |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2014-12 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | deposits shrinking |  |
| 2016-12 | 0 |  | deposits shrinking |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 0 |  | capital falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | capital falling |  |
| 2018-06 | 0 |  | capital falling |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | expense ratio p90 |  |
| 2020-03 | 4 | capital falling, losing money, NIM <2.5% |  |
| 2020-06 | 1 |  | expense ratio p90, capital falling, losing money |
| 2020-09 | 2 | expense ratio p90 |  |
| 2020-12 | 3 | capital falling |  |
| 2021-03 | 3 |  |  |
| 2021-06 | 2 |  | capital falling |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 4 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-06 | 2 | assets shrinking | expense ratio p90, AOCI drag >20% of equity, securities losses >30% of equity |
| 2022-09 | 1 |  | assets shrinking |
| 2022-12 | 1 |  |  |
| 2023-03 | 2 | capital falling |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 5 | AOCI drag >20% of equity, securities losses >30% of equity, losing money, expense ratio p90, construction >100% equity | NIM <2.5%, capital falling |
| 2023-12 | 4 |  | AOCI drag >20% of equity |
| 2024-03 | 4 | brokered >10% | construction >100% equity |
| 2024-06 | 7 | wholesale funding >15%, construction >100% equity, uninsured deposits leaving |  |
| 2024-09 | 6 |  | losing money |
| 2024-12 | 5 | capital falling | expense ratio p90, construction >100% equity |
| 2025-03 | 4 |  | uninsured deposits leaving |
| 2025-06 | 4 | construction >100% equity | capital falling |
| 2025-09 | 3 |  | construction >100% equity |
| 2025-12 | 4 | capital falling, construction >100% equity | wholesale funding >15% |
| 2026-03 | 4 |  |  |
| 2026-06 | 2 |  | capital falling, construction >100% equity |

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

- 2024-12-31 [Jamie N. Baum Obituary Dec 31, 2024 - Joe Jackson Funeral Chapels & Cremation Services](https://news.google.com/rss/articles/CBMib0FVX3lxTE9YQnliM2t4VmpMYVBodUZUVl9KVnlnMlF6UjRlLXBmdWdEdkVlU1NjZGFaMk1xdlRMa0tGSXBiSkhvemprTEc4eEMtTFZHVDBFOFNJMGN2XzFsNjE2TEJ0dklBbmgtNHBnTzIwRnRwWQ?oc=5) · Joe Jackson Funeral Chapels &amp; Cremation Services
- 2026-08-27 [Patricia Moseley - themonitor.net](https://news.google.com/rss/articles/CBMiZEFVX3lxTE5MZFBHMjFIdmdRbXRaZXB5V1BlSVhMLTdHcjhaMTh5c0cyWFFtdDJpUnBQWVk2QmRBVHhOT1pxSW1wcGRCSG9OZVpOTmFYU2JTdE1ZU1lSaE1hV2QwNXVyY3otWFo?oc=5) · themonitor.net
- 2026-01-07 [Truett Mortensen Obituary - Lubbock Avalanche-Journal](https://news.google.com/rss/articles/CBMiYkFVX3lxTE9vc1FsN1lYckk4VGd0U2JiNXEtaHBkNThLUGx4bzBvazRRU3RmdnZmRGJCd2hldmpERDRYZ05EMklib0hib0ExQzJQcFVPOW9qSmZDVGRDejRwTE9LVi1rcUt3?oc=5) · Lubbock Avalanche-Journal
- 2018-09-23 [Sue Maben Obituary (1948 - 2018) - Spur, TX - Lubbock Avalanche-Journal - legacy.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxOODFnb1BKM1FTcFF5ODMxcE04dVdLTXIwWWdhTnJGMlN6QkJzUHRnN0pLSFF3M25Lc3AyZ1Zrem5DdTFTSE9adDVzMjlBNThWaERDb3FnUElHUmIxZjNRSjNFMkxTcWVtRlZtdXFuaDJxeko5SFpMNzJwcFBjVjFYUzk3c0JXOTN6SFlQQzF3aw?oc=5) · legacy.com
- 2017-03-14 [A-J Remembers: Loyd Rinehart served aboard the USS Nitro in World War II - Lubbock Avalanche-Journal](https://news.google.com/rss/articles/CBMi1wFBVV95cUxPdTdaU1RlSGNkYWRuc2kwc1V5eDZEbUFvVzM5LV9ZRTE2dHcxQkNUaThOY3pEVllfaGJESVVlU2ZndHA2QWRtVXJWRTVWVzRNMEo2RFhvMDVvV3lmemdpVnhKUVZoMTVOaE1jYUtSRFZabkdSaHFKak9vOUpCSUMyb1h5d0tFNUp6Z19nS04wVE1mNmNXT2l4dVpaXzFETUczRUNmNVcyZTRtbHdfMUFxRDdZcVJiYXA0dHMzNldUQmtmRy1heHE3SjB5SE5DemJwb1l6dkVDTQ?oc=5) · Lubbock Avalanche-Journal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15460 (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/36.json (key "15460", 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