# CITY STATE BANK OF PALACIOS
PALACIOS, TX · FDIC certificate 15764 · asset band <$300M · latest filing 2013-06 · stopped filing (departed)

**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 | $52.0M | |
| Deposits | $46.3M | |
| Loans and leases | $23.3M | |
| Total equity | $5.5M | |
| Loans / deposits | 49.79% (p20 of band) | 68.67% |
| Liquid assets / assets | 53.12% (p80 of band) | |
| Uninsured deposits / deposits | 10.75% (p46 of band) | 11.61% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.42% (p54 of band) | 10.18% |
| Unrealized securities loss / equity | -3.93% (p20 of band) | -0.21% |
| AOCI / equity | -9.08% (p15 of band) | |
| ROA (annualized) | 0.37% (p24 of band) | 0.77% |
| Net interest margin | 3.77% (p60 of band) | 3.59% |
| Efficiency ratio | 97.66% (p90 of band) | |
| Noncurrent loans | 0.00% (p5 of band) | 1.13% |
| Net charge-offs (annualized) | 0.33% (p84 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 56% | |
| Construction % of loans | 8.37% (p37 of band) | |
| Auto loans | $658,000 (2.82% of loans; DQ 10.94%, NCO 0.02%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 1.3% | |
| Employees | 14 | |

## Flags firing in the latest filing

- none

## 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 | 1 | reserve under noncurrent | capital falling |
| 2012-06 | 0 |  | reserve under noncurrent |
| 2012-09 | 1 | uninsured deposits leaving |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 0 |  | uninsured deposits leaving |
| 2013-06 | 0 |  |  |

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

- 2010-04-01 [Jacqueline J. Holt Obituary Apr 1, 2010 - Taylor Bros. Funeral Home](https://news.google.com/rss/articles/CBMiY0FVX3lxTFBJYTB6cFNEaVc3Zk80Y04ydFhvQnVJdDhNcWhVbURPMXFKT0gwMl91RDc2Y2UyZ2MtWHVOc2ZodWQ2YUtnRndzX2FxWmhQa1ZfbUdDREhZMmVKeEo4ekFUVlRFVQ?oc=5) · Taylor Bros. Funeral Home
- 2018-07-04 [Pete Aparicio Obituary - Victoria, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMiggFBVV95cUxOTlh4ZlVQb1lwMS03VEhGNjExVEl0eklBUVlwQmZkQy1JNWlGbk5xV2Nsa0FUZVpmRU5VRkU4WnVFT0RGcGZ1M0Raa0ZoT0xfd1lPZzRkLXg2NEEzeGhGS0JubXEtaWVqMTFXc1VLelZDcU4wSFUtcllTOVZNOWQzYnlR?oc=5) · Dignity Memorial
- 2012-01-24 [J. ROBERT MELANSON - legacy.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxOV1pjR05IYW8ya1d0VTBIX1ltdU9UVTNyOUVaZzR1RmZlWHowNlRtZEhpSEZzeVNrRXNhVFZka3lVOF9Cd0VURU5JWUVtYVNXUkhlcDN2ci1pMExwT192MTF1Qml0d1YyY0tBMnk0LS1PRFdKZ1lQQk9lZ0dwOHp5elNoTTFVUEpGOHhHUw?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15764 (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/20.json (key "15764", 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