# LINDALE STATE BANK
LINDALE, TX · FDIC certificate 16278 · asset band <$300M · latest filing 2013-09 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $115.7M | |
| Deposits | $103.0M | |
| Loans and leases | $76.1M | |
| Total equity | $12.4M | |
| Loans / deposits | 72.69% (p56 of band) | 69.26% |
| Liquid assets / assets | 32.45% (p44 of band) | |
| Uninsured deposits / deposits | 14.72% (p63 of band) | 11.87% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.72% (p56 of band) | 10.33% |
| Unrealized securities loss / equity | 2.27% (p90 of band) | -0.53% |
| AOCI / equity | -2.01% (p59 of band) | |
| ROA (annualized) | 0.88% (p58 of band) | 0.77% |
| Net interest margin | 3.35% (p35 of band) | 3.62% |
| Efficiency ratio | 69.50% (p40 of band) | |
| Noncurrent loans | 0.90% (p46 of band) | 1.08% |
| Net charge-offs (annualized) | 0.34% (p85 of band) | |
| Reserve coverage of noncurrent | 181.98% | |
| Real estate % of loans | 78% | |
| Construction % of loans | 63.29% (p86 of band) | |
| Auto loans | $1.5M (1.97% of loans; DQ 1.20%, NCO -0.02%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 9.0% | |
| Employees | 29 | |

## 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 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |

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

- 2014-02-15 [Texas Bank and Trust names president - marshallnewsmessenger.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxQdnZXdHUxNDJhNzNsTEoycnpTWUF4LWcyYVRfWDBGUkhKMkFvSWFXbFJkOW5pSFAtQjBHMUxIVEczS2VlaWFvdGxaZVYwLTBFZHFwUnlycnFFcFUyX044M0FYMmJpVE9uMDVheXozWm5wT2dzMUlHeU5FRG96cXBBbERhZnhrZXo1Tmc?oc=5) · marshallnewsmessenger.com
- 2026-07-03 [Betty Joyce Gilbert Obituary (2026) - Lindale, TX - Caudle-Rutledge-Daugherty Funeral Home - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxQMXFoeXFWSm1OM2NCdlBsQkp3anhrVXFwc2RhSjdDakNrdDMtS3NXU1RxcnZaS3JpeWZnX2FrLTVUanhRbVpUT0p0ZkphOExUUVdvdFczc1ZsYTUwZXl4YllGYS1HQ0xtejNaTkxYdVgxNlNaNXBuaXpLWWh6aUpHVktn?oc=5) · legacy.com
- 2006-04-20 [Nashville Star Casey Rivers Comes Home - KLTV.com](https://news.google.com/rss/articles/CBMif0FVX3lxTE05dHpTamJ3YWNyc2txQzdHZWJFRnRoUmdrQlBMNjZvc2c5NmI2OGJJZUNIcml6N1hUMUZYSWZUYkV4WlNKejNyX1AxSUdNM3J4ZTlGNlpKSHNDQ3NvRWVIMktqbEVNeS1RQkNaNlczTU5NN1BhNkdfX29YaGRKZmfSAZIBQVVfeXFMUDJNdHBwX21GQU5TMXJMLVlsX0JpVVJLM1RlRk5OQTA5b3pfaHZHU2NyZ3BoMjFHUllRVWdSay1XMTJHUVdHZmhGWl93dlJQT0Jpb2lLSXdERVN3LVM4VGttblZ0ZlVyck0zSS1wRnVhc0Y4ZjhQbWNkTElaTExXbnk4azc1alF1NUg0MHRFb3JfaEE?oc=5) · KLTV.com
- 2018-08-02 [A. Clark, - View Obituary & Service Information - Stewart Family Funeral Home](https://news.google.com/rss/articles/CBMickFVX3lxTE9rX2RVZ2VUSE5UdDh3Q0VmMTRNUnhFUUhKY1B3TURyT2QyaWxGWF9Oa1FLdzI3alR0UTF3ZE9fMjZXTEkzcGRZTU81OU1jNl9XRTdVWjNjUTlvLUU2R3FKYWlTbEItV05WV21ma1BnaGtIQQ?oc=5) · Stewart Family Funeral Home
- 2021-11-07 [Jimmie Lou Brewster - Tyler Morning Telegraph](https://news.google.com/rss/articles/CBMiZEFVX3lxTE02bElLQ2RlQ3VjVWVRQjhMMUhfaHBJcktoekt4NndhX3cyNkxIbmViakZVM1duM2Z0ZVhyS1U4MFhtU2piR3h5QnZHSGk2T2RvclRwYzh2aFl2LTdLajdZV3RYZjc?oc=5) · Tyler Morning Telegraph
- 2009-12-08 [Founder's drive wraps up for Lindale ISD - KLTV.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxOWHZFdGlpTm1ZTFBVaTJlY19TUTJ4b0xYRVFYUnVQbm1rbDdBSXAxTW0zQTFiaG00bFdnTkZSLXBDMjZZcmtSWmZQVi0zaks3eE5lWU9zQkoyUkJ6bk9OdWprMkgyVlotT05QTkRNNDFYUWpjN2s4aVFtdHBBdFFmWUV30gGUAUFVX3lxTE1zanhrX294LWV5Y2duNXRYVkRnMGFvem1wRWw3VkpuX011akZYU0M1bndwZnhkbUU1bXNTRG1TdHBXWWdWcFBaeDFvUFpnZG5WNzN1blktZFRDQVpONHhCZHcxNXVhbFRVYlpQLTdhYk8xQjBYSU1nWmJ1VUZIVWM5Nk0xT0ZuQWlKUVFnalVNbjY0QU4?oc=5) · KLTV.com
- 2026-05-31 [MaryJane "Alvey" Haxton Obituary (2026) - Lindale, TX - Caudle-Rutledge-Daugherty Funeral Home - legacy.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxOOHRWVFliODVjMk5WbXVReTE5MEJiT0E1eTZBNFVnakVIM09ZU1F4RVhWb3lQNEhveGJuVFRrV3J1bE5FM0xPVG1IbDhObHRlanVQQVMzeWw5WnBiZUxNWklaY29UVTJaakJfcWF4SGJKNDdNdXFrQ1YwYktuaGt5WF9RTzA?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16278 (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/22.json (key "16278", 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