# FIRST STATE BANK OF ODEM
ODEM, TX · FDIC certificate 16334 · asset band <$300M · latest filing 2026-06 · live

**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 | $212.6M | |
| Deposits | $181.0M | |
| Loans and leases | $106.1M | |
| Total equity | $30.4M | |
| Loans / deposits | 56.97% (p27 of band) | 73.59% |
| Liquid assets / assets | 47.66% (p75 of band) | |
| Uninsured deposits / deposits | 34.24% (p88 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 14.39% (p73 of band) | 11.76% |
| Unrealized securities loss / equity | -1.15% (p76 of band) | -6.57% |
| AOCI / equity | -2.13% (p11 of band) | |
| ROA (annualized) | 2.40% (p93 of band) | 1.17% |
| Net interest margin | 5.26% (p94 of band) | 3.93% |
| Efficiency ratio | 50.69% (p14 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | -0.35% (p1 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 69% | |
| Construction % of loans | 93.28% (p93 of band) | |
| Auto loans | $740,000 (0.70% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 7.7% | |
| Employees | 33 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | losing money, expense ratio p90, reserve under noncurrent |  |
| 2011-06 | 0 |  | losing money, expense ratio p90, reserve under noncurrent |
| 2011-09 | 4 | leverage <7%, capital falling, losing money, reserve under noncurrent |  |
| 2011-12 | 4 |  |  |
| 2012-03 | 1 |  | capital falling, losing money, reserve under noncurrent |
| 2012-06 | 0 |  | leverage <7% |
| 2012-09 | 1 | reserve under noncurrent |  |
| 2012-12 | 2 | capital falling |  |
| 2013-03 | 1 |  | capital falling |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 | capital falling | reserve under noncurrent |
| 2014-03 | 1 | reserve under noncurrent | capital falling |
| 2014-06 | 0 |  | reserve under noncurrent |
| 2014-09 | 0 |  |  |
| 2014-12 | 2 | capital falling, construction >100% equity |  |
| 2015-03 | 0 |  | capital falling, construction >100% equity |
| 2015-06 | 1 | construction >100% equity |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 3 | deposits shrinking, assets shrinking |  |
| 2016-06 | 2 |  | assets shrinking |
| 2016-09 | 1 |  | deposits shrinking |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 2 | deposits shrinking |  |
| 2017-09 | 0 |  | construction >100% equity, deposits shrinking |
| 2017-12 | 1 | capital falling |  |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | charge-offs p90 |  |
| 2019-06 | 0 |  | charge-offs p90 |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | capital falling |  |
| 2020-03 | 0 |  | capital falling |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | construction >100% equity |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 0 |  | construction >100% equity |
| 2023-12 | 1 | deposits shrinking |  |
| 2024-03 | 0 |  | deposits shrinking |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2025-02-07 [Donald Bayne Horne - SouthTexasNews.com](https://news.google.com/rss/articles/CBMiuwFBVV95cUxPSDVuZm5fSGF5b29VUlhwbTRvX2xnQXBRcmQ3WHJzb2FDcXZQN1BaSU5SZVE3MEZYVVVTNGk0WEd3bjJhMVNUNHRXRHZ3UWdGN3dPMk1qc24walNRRk5LckF2VDh0SjZzd0J0cXZnTDVrRGFZNVZaNlhKWENwaS1UcTZfNmRQU0JJQ1RjNVVuNzBNcHoxbzRaTHV3LWtOS0RoTHJ1bzItekRCeV9hWEl2Rm9nX05CSHc1VElz?oc=5) · SouthTexasNews.com
- 2025-10-14 [Margaret Jean Curtiss Obituary (2025) - Corpus Christi, TX - Sawyer-George Funeral Home - legacy.com](https://news.google.com/rss/articles/CBMihgFBVV95cUxQQVo5c05oMXBjeXZHSGJiS0NqT0pEdkxsY2J6cHRsekhpbTA1VUtXWm5URnJwQ01oQ1J2dEx5QTFEVGJ0NHlwcGNiamxYVkp3Nlhac3VwV1p2QnRma25VeXlIcllTNFphcUhOSWhSNzFKcDFaUHhkdmUwMFg1ckNxbzlCOVJWdw?oc=5) · legacy.com
- 2018-10-02 [Here are all of the banks that currently support Apple Pay - iMore](https://news.google.com/rss/articles/CBMid0FVX3lxTE9ZY3JkQUdrNTNjWmMzVFk2QXBlWExaRnI3bjVsQ28wVlFRWUc5TEVWMm5TWkZ6RmtKTTNZRUhKbExyS25yb2pnRTc5VklBeW13Mzk0aU9MWVNGbHpiMDJUM1pfOVFvdFhCdGpNLUJQVG9ybXYzNlc4?oc=5) · iMore
- 2007-10-08 [Joseph Curlee Obituary (2007) - Sinton, TX - Corpus-Christi Caller-Times - legacy.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxPazBYWEJXaWJpbDFXWlYtbXBJblVWcVl4YTR0NWtOVmw0UktoRFpidFQ2b1dIa25RaC03ZHh4NERXd0FWdEhlYUVaNlZQaldHZ2ZFbDNmSHYtN1pUN24ydExIZjkwOFRfcC1NM0szT0dfUTB5WVZBaGMta3N6R1RaRmhJQXE1RVFKNW5PVXpn?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16334 (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/14.json (key "16334", 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