# JOHNSON CITY BANK
JOHNSON CITY, TX · FDIC certificate 16176 · 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 | $146.8M | |
| Deposits | $128.8M | |
| Loans and leases | $87.2M | |
| Total equity | $17.7M | |
| Loans / deposits | 66.93% (p40 of band) | 73.59% |
| Liquid assets / assets | 39.38% (p62 of band) | |
| Uninsured deposits / deposits | 23.55% (p64 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.57% (p59 of band) | 11.76% |
| Unrealized securities loss / equity | -8.38% (p44 of band) | -6.57% |
| AOCI / equity | -1.01% (p28 of band) | |
| ROA (annualized) | 1.29% (p58 of band) | 1.17% |
| Net interest margin | 4.05% (p57 of band) | 3.93% |
| Efficiency ratio | 63.11% (p43 of band) | |
| Noncurrent loans | 0.26% (p45 of band) | 0.36% |
| Net charge-offs (annualized) | 0.33% (p95 of band) | |
| Reserve coverage of noncurrent | 425.00% | |
| Real estate % of loans | 83% | |
| Construction % of loans | 30.96% (p65 of band) | |
| Auto loans | $757,000 (0.87% of loans; DQ 2.91%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 10.9% | |
| Employees | 24 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | reserve under noncurrent |  |
| 2012-03 | 0 |  | reserve under noncurrent |
| 2012-06 | 1 | uninsured deposits leaving |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 | capital falling | uninsured deposits leaving |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 2 | reserve under noncurrent, uninsured deposits leaving |  |
| 2014-12 | 0 |  | reserve under noncurrent, uninsured deposits leaving |
| 2015-03 | 2 | capital falling, charge-offs p90 |  |
| 2015-06 | 1 |  | charge-offs p90 |
| 2015-09 | 0 |  | capital falling |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 2 | capital falling, uninsured deposits leaving |  |
| 2017-06 | 1 |  | uninsured deposits leaving |
| 2017-09 | 0 |  | capital falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 2 | capital falling, charge-offs p90 |  |
| 2018-06 | 0 |  | capital falling, charge-offs p90 |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | capital falling |  |
| 2019-12 | 0 |  | capital falling |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | charge-offs p90 |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 1 |  | capital falling |
| 2022-03 | 0 |  | charge-offs p90 |
| 2022-06 | 1 | capital falling |  |
| 2022-09 | 0 |  | capital falling |
| 2022-12 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2023-03 | 4 | charge-offs p90 |  |
| 2023-06 | 4 |  |  |
| 2023-09 | 4 |  |  |
| 2023-12 | 3 |  | charge-offs p90 |
| 2024-03 | 3 |  |  |
| 2024-06 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | capital falling |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 2 | charge-offs p90 |  |

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

- 2021-08-16 [Cubby Hudler Selected as a 2021 50-Year Banker Honoree by the Texas Bankers Foundation - PR Newswire](https://news.google.com/rss/articles/CBMi2gFBVV95cUxPMm5vNE92M2JwV1pVT3Rpd3lOeU1BRWJyU2lvaXFDa1NNaXY1dDlNTHloUkNCNWh3Ny0zdmdmaU9wYkhPMnJ5dkVCdTluSjZaYnZDbFZEQ0hfT2NmdFNoVXJzRFhTMjRjbktKSnh3MjBkaW5uUkxfcW1kOFFONzkwWk9sVk1XSlJnNGNZMUg5TXkzdmYydXRTNm80dVpiZDNkWWttc1JGWkx3d1hvOWotdXR0QThUenZtSmUwZDVvQ3VWR3pxNWdtYkhXb2J2Mi1aRWFBZlBRdVR2dw?oc=5) · PR Newswire
- 2020-06-24 [Johnson City Bank Congratulates Haynes for 50 Years of Dedicated Service - Hill Country Passport](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNTk5zYTVHQXlaNk9TNkpyTkRHRUkyTmpUOEhjOUZqWWRzVUVybFdzT3RTOW53NkVUQXBUVEhSeXQ5TVMyY2VCRGxxUHVMb0Y2cENvRmJtLUU5Vk02VVNRbk4tamhnbnhtWmJfTmRrTFpsdDZKNmtjSWVVV041bzVSN2J3aHpGMm9aMmN2bDNOWnk5d3VVbk5vcWFLcUdpVzNvbWxRZGJtdEk?oc=5) · Hill Country Passport
- 2024-06-02 [William "Bill" Robert McDaniel - legacy.com](https://news.google.com/rss/articles/CBMirwFBVV95cUxPUUctM1pQckhMRWtYOFVTYU5WZHZMYVc0azVUZGxZY0Nwd0d1VXhzVjNWcHlrS3l3MFB0YVlQNkpGS0x1SldFX3YwUmVwR2Mybm13RG1zRTBueTVIOS01c3JsdEk5M0g4RzFTcnZKSEE4Y0lmVkRGbW1USjhQV25vT21ZUUpielFHTHN3alBmemV6WHJzZ0ZQUzNHS0pULWlYOV9Cak5UZHJBZ3hBUDRn?oc=5) · legacy.com
- 2025-07-20 [Tennessee bank customers horrified after couple’s indecent act caught on viral NSFW video! - economictimes.com](https://news.google.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?oc=5) · economictimes.com
- 2018-10-14 [William Noble Obituary (1927 - 2018) - Dallas News](https://news.google.com/rss/articles/CBMioAFBVV95cUxPWFVQNWwwVEl6Wk5hNGx3aWt3OTVHOTJrWW14V1R1TjZTZEVaMndEdnJvOFBRWUJMVGxTaTNaTEs4M2taTlR5U1doMm05bWlyVy1OZzVvMWc1a3F6NGRPdnhEdTN2M2RvVHIyU01PcDVkeTRFODhDV1BzcWRLTWpEYi1FVFdnSnpyYTZkZG5fN0I3UElTYkN3WE5lRnh3T0ph?oc=5) · Dallas News
- 2017-09-17 [27th Annual Lights Spectacular Hill Country Style - Hill Country Passport](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQLTc3MkF2ZkNlSDNrdHJXOS1OQ3I5bFFpbE5sZ1ZsNHYwNS1tRENxX1NGRGkyYTB5eVBvMllwaWtHakNKREdKb2o0QlZqVlhrOXZXMzQtb3FtT1QxYzFpemlyYXliSFdPbzlnMGNGN0VLVGp4aC1EZE9SSDVWZ1BPQUhkd1hZVk5JZDFZVUhDMlBjSGF5NHIzTUdWQWx5Zk81ME9rdXJUbm96ZjA?oc=5) · Hill Country Passport
- 2014-08-13 [Robert Felps Obituary (2014) - Johnson City, TX - Crofts-Crow Funeral Home - Johnson City - legacy.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxPdVNmMVp0VURUazZkal8tMUwyc1hURzFGYThHbEdteER1WXY5a1c1T0NBOWN4bnhjZnc3WHFWTFk4U3ZFTC1yU3dsX0ltb3BDVVdDcGJ3Zy1WMzMyMTFkcElmWG1KTm1USXNRNWdUZ1pOSUhuVjF4SEZxNFNsVWtQNGZuQQ?oc=5) · legacy.com
- 2010-01-24 [Susan Cluck Obituary (2010) - Austin, TX - Austin American-Statesman - legacy.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxNc2JlMkZEZkI0RnZTMFFIZVI0bVFrTldvVFFMQ0lKdDcycms3ay0zdnNkMnkxcHFHNmJ0TUd2V2tvd0VyVk1YclJXVnVtU1pSZnNOVTlOSk1sU0pwQTZGN25NTlFBN29YeUdpOS1sVU52U0NObGFDYUhfU3pvd3YwZURiLVpHTlIxeFF1Qw?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16176 (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/48.json (key "16176", 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