# GRUVER STATE BANK
GRUVER, TX · FDIC certificate 16495 · asset band <$300M · latest filing 2019-06 · stopped filing (departed)

**Verdict on the desk:** this could be *fortress*. 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 | $72.1M | |
| Deposits | $54.2M | |
| Loans and leases | $45.4M | |
| Total equity | $8.5M | |
| Loans / deposits | 82.85% (p60 of band) | 77.89% |
| Liquid assets / assets | 31.80% (p55 of band) | |
| Uninsured deposits / deposits | 19.84% (p66 of band) | 15.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 12.63% (p88 of band) | |
| FHLB advances / assets | 12.63% | |
| Tier 1 leverage | 12.11% (p59 of band) | 11.44% |
| Unrealized securities loss / equity | -0.59% (p8 of band) | 0.54% |
| AOCI / equity | 6.41% (p86 of band) | |
| ROA (annualized) | 1.94% (p90 of band) | 1.03% |
| Net interest margin | 4.02% (p62 of band) | 3.82% |
| Efficiency ratio | 54.91% (p14 of band) | |
| Noncurrent loans | 0.00% (p8 of band) | 0.54% |
| Net charge-offs (annualized) | -0.01% (p19 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 49% | |
| Construction % of loans | 23.84% (p60 of band) | |
| Auto loans | $903,000 (1.99% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -3.8% | |
| Employees | 13 | |

## 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 | 1 | capital falling |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 2 | deposits shrinking, assets shrinking |  |
| 2014-03 | 3 | uninsured deposits leaving |  |
| 2014-06 | 1 |  | deposits shrinking, assets shrinking |
| 2014-09 | 0 |  | uninsured deposits leaving |
| 2014-12 | 1 | capital falling |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 2 | reserve under noncurrent, deposits shrinking |  |
| 2016-06 | 3 | uninsured deposits leaving |  |
| 2016-09 | 2 |  | uninsured deposits leaving |
| 2016-12 | 4 | assets shrinking, uninsured deposits leaving |  |
| 2017-03 | 1 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2017-06 | 2 | charge-offs p90 |  |
| 2017-09 | 2 | capital falling | reserve under noncurrent |
| 2017-12 | 2 |  |  |
| 2018-03 | 0 |  | charge-offs p90, capital falling |
| 2018-06 | 1 | uninsured deposits leaving |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 3 | capital falling, assets shrinking |  |
| 2019-03 | 1 |  | uninsured deposits leaving, assets shrinking |
| 2019-06 | 0 |  | capital falling |

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

- 2016-10-01 [Odom a fifth generation banker, helping Western Bank grow - Lubbock Avalanche-Journal](https://news.google.com/rss/articles/CBMizwFBVV95cUxOUEhnR1cybWJyUzA4Qmk1a0pCNkYtak9nTlloWndiMTg1cWRqUGVxa2tFa1Rja0pJY21YUDZQaTBIcnAwY3E5bWlRbTFQNEJ2Z0VaLWRIY0p3MTlKNHR1MkRLUmhVSjJlcnZabE1OdTdaMEE3dm11R2hXU2wxQXRfd2x3ejB1b09UX0tLZndmb2V5SE56M3lSWFFleVBYeGprUzgzdXdiTWhxSEdzakVOcmlSVlVQV2l3SVpsVzFsQ1pKZGFGR1ZtNXlreU9JVkE?oc=5) · Lubbock Avalanche-Journal
- 2013-06-18 [Beilue: Motion to close Gruver's police department divides small town - Amarillo Globe-News](https://news.google.com/rss/articles/CBMisAFBVV95cUxOTHJ5QWJnbTRGa3hVTUlXOVJZVEZLZDVTRlBmVnJraUc0aDMydkxmS1BYUzlzbnJ1QlpkU1AyVXhjRVQxdVRINVlEMEhqX3JSb3RsaEdVNkw2ZDdfc0FJLUc2ZUlQRlBhR3NsaHpFWEg3RmJfMi1XMlVHSzJFOUdudnZaMUxLLXo2bncyTWVlRE14Z2VoNGM1ZzhtZlJJNVNraFg0bHFEQ2dTQnhYOXRaVw?oc=5) · Amarillo Globe-News
- 2013-09-05 [Gruver residents petition to oust leaders - Amarillo Globe-News](https://news.google.com/rss/articles/CBMiugFBVV95cUxOMFFPM0R6OEZ1dzNGaWZoUGRQUWpVQTJ0cmhwSEI0TlcxN2hFVTdkLUdweGE0Rk01aGJWcng1X0ktTmRmczI3dWt6c0dCTDA1VENzckxiUTJrSGpwN3cycUpEOWtWOE9UNDdNTko5M2VxXzlDRzYxRFBCdVJzVDhoWUk0SEF4YUFHVmtYUFotVHpuNUxBLXZBMlVqWjZjdnJwTmpJMzIteXd1cDY2TFVnSEUyOHF1dG9KLWc?oc=5) · Amarillo Globe-News
- 2013-06-19 [Police predicament: Hundreds gather in Gruver for council meeting - Amarillo Globe-News](https://news.google.com/rss/articles/CBMiyAFBVV95cUxOQnpnb1B4YWlrcmdyd0tvYzhScm9fZjRUb1ZkSEt4clNhMWtCQTNYbllWVVpmZkVjLUg1d3hBX1ZlVHRSblRVRDhVRzcxNll2TS01VHMwSmhNeEgtRUE1UmVESHBJU3F2d3pfbU0xcENtN0xXSGFZZEMwZDdKY0h4Vms4ZTE3N1phRk9GU1RtNXotU2NsajYxcEpKMHhRcERoYTVSS093dHhUbHJZcmJFaFllTXd1OWhUWEhSS1lFU2tqaGxnMmt3Wg?oc=5) · Amarillo Globe-News
- 2014-05-17 [Community pitches in for Sanford-Fritch students - Amarillo Globe-News](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQTmZqdEJZZHZoWjNYSl90S19mVVB3OHRFNHRJdG9xRUhrOTVEODFvU19LZ2M0WmdvVG9MTFRzd3VwZEhJcDhHVmhfekhPazhvTDdyb1FhcVpxbDYzd2I1OGVQajdUN1N1dzhfRVhrc1BfVzBIUjFWQ0NLRUJKRnVCZndIaHdUUHFCNVFhaXkyS0dwQUh5dmNHLVZPT2dDX1I3WTJaa19wMk1qUmM?oc=5) · Amarillo Globe-News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16495 (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/47.json (key "16495", 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