# JOURDANTON STATE BANK
JOURDANTON, TX · FDIC certificate 15879 · asset band <$300M · latest filing 2016-03 · 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 | $176.4M | |
| Deposits | $155.2M | |
| Loans and leases | $26.4M | |
| Total equity | $19.2M | |
| Loans / deposits | 16.81% (p3 of band) | 72.92% |
| Liquid assets / assets | 79.37% (p98 of band) | |
| Uninsured deposits / deposits | 39.24% (p96 of band) | 13.88% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.90% (p54 of band) | 10.70% |
| Unrealized securities loss / equity | 1.07% (p48 of band) | 1.19% |
| AOCI / equity | 3.61% (p97 of band) | |
| ROA (annualized) | 0.32% (p17 of band) | 0.83% |
| Net interest margin | 2.36% (p5 of band) | 3.64% |
| Efficiency ratio | 87.21% (p82 of band) | |
| Noncurrent loans | 3.90% (p94 of band) | 0.70% |
| Net charge-offs (annualized) | -0.03% (p14 of band) | |
| Reserve coverage of noncurrent | 27.46% | |
| Real estate % of loans | 74% | |
| Construction % of loans | 20.34% (p57 of band) | |
| Auto loans | $748,000 (2.84% of loans; DQ 0.80%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -4.3% | |
| Employees | 39 | |

## Flags firing in the latest filing

- **NIM <2.5%** (`earn_nim`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## 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 | 2 | capital falling, reserve under noncurrent |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 1 |  | reserve under noncurrent |
| 2012-06 | 2 | reserve under noncurrent |  |
| 2012-09 | 1 |  | reserve under noncurrent |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | reserve under noncurrent |  |
| 2014-03 | 2 | capital falling |  |
| 2014-06 | 1 |  | capital falling |
| 2014-09 | 0 |  | reserve under noncurrent |
| 2014-12 | 1 | capital falling |  |
| 2015-03 | 2 | NIM <2.5% |  |
| 2015-06 | 0 |  | capital falling, NIM <2.5% |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 3 | NIM <2.5%, noncurrent p90, reserve under noncurrent |  |

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

- 2016-02-02 [Seguin’s First Commercial acquiring Jourdanton bank - San Antonio Express-News](https://news.google.com/rss/articles/CBMirgFBVV95cUxPc3hkaFRpSm9xMHlXTFlxS296Wnp5TkgwUy1PT3otNkFLUkcyQ2t6NWtoX2VuZ1J1azREZWQ3Qk5xRDB4bldOTGZtOTdqdHJ1QS1vN3RzZ2FVR29oZlJ0bGxxR2drcUZHeGJQWDR3VXpncktKcUREb1h6YVAtMTRrQmxyVkY5bVp2bnFjMmNyeDI0MDhnb25KSmpXaHhYc2Z2OXZfeE9RTnFYc0pSRXc?oc=5) · San Antonio Express-News
- 2025-01-20 [Raymond Erpelding Obituary - San Antonio, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMijAFBVV95cUxQb1Nqb25WaFFZZGRvaTQ0NnAtV3ZWVlV6dTZkR3lXZjFDZXhtX3BVRzlhdUcyVHU0elFLSFo1aDh0QUZ3QnBUV3dNVnQ3ek92YnNBaFZZZ2NaRFZFdjBOQW4zUXltWVJhMlMtZmtLRnRvTUFwMHZfSjVtMXdMdTZ4MUtGMmdqYWJHUDlzSA?oc=5) · Dignity Memorial
- 2013-07-23 [ADA lawsuits take on banks over ATMs - San Antonio Express-News](https://news.google.com/rss/articles/CBMioAFBVV95cUxPOVR6MFBYZG1wTWpBY3I3RUNrOF9POVY4Y3JPalZlT0dfdTRPLUViQVd0b0dwZlBkdXFwVjNNcW1vOTFxRkswa2ExdTJMLW9wTGlhUDZkRTNvbXF4V05fVzg0SnBCV0gwWHhidUhxbGRPSnh6MGNfV0g5SHZQY0tmY0xsN2Y4RFhRcEJBQWhWZHN0QjlSMHV6VjlqU0FMSjJK?oc=5) · San Antonio Express-News
- 2021-01-20 [JOHNNIE MUELLER - pleasantonexpress.com](https://news.google.com/rss/articles/CBMia0FVX3lxTE9IMUpYXzcxamNVb2pFclI0NHFYeE5neWktQTcxUld0VVJkR2JiUk1iWUNMZVkxM3FXRHc4NUpsTV9UY2RYWW5JSU9CdTljb2RMRVpsUVBtWlRBVHU4cHl4RmwtQ2ZXblIwY1JJ?oc=5) · pleasantonexpress.com
- 2013-11-20 [Atascosa Child Welfare Board seeks annual Angel Tree sponsors - pleasantonexpress.com](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNU19TLTQ0WHlxdm5GYlNvQUFkbVhGQUJuejBoRVlDTXd6bWw3S1dKVU9LRkVfa0F4Mkc4VkVGX0doMTdibmRFZ0d5eVdtemZfbW0tRnBrOXAxZk1kQTRTY0ZoZG1yUnpHa3lZZkxDaEM4UFlveW5kYkJsUlFGTlhMTGdCeENaSmhYTXZkMkJuS2huVmtnMlA1VWliai1yaGZJUEtKS3dvX0k?oc=5) · pleasantonexpress.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15879 (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/7.json (key "15879", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide