# AMERICAN STATE BANK
LUBBOCK, TX · FDIC certificate 16701 · asset band $1-10B · latest filing 2012-06 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $3.15B | |
| Deposits | $2.50B | |
| Loans and leases | $1.25B | |
| Total equity | $296.0M | |
| Loans / deposits | 49.00% (p9 of band) | 78.24% |
| Liquid assets / assets | 56.72% (p92 of band) | |
| Uninsured deposits / deposits | 48.81% (p97 of band) | 17.50% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 10.15% (p60 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.71% (p30 of band) | 9.58% |
| Unrealized securities loss / equity | 12.80% (p94 of band) | 3.68% |
| AOCI / equity | -3.49% (p1 of band) | |
| ROA (annualized) | 2.26% (p94 of band) | 0.87% |
| Net interest margin | 3.48% (p39 of band) | 3.66% |
| Efficiency ratio | 86.06% (p91 of band) | |
| Noncurrent loans | 1.80% (p48 of band) | 1.93% |
| Net charge-offs (annualized) | 0.05% (p19 of band) | |
| Reserve coverage of noncurrent | 115.48% | |
| Real estate % of loans | 67% | |
| Construction % of loans | 23.65% (p39 of band) | |
| Auto loans | $8.3M (0.66% of loans; DQ 0.85%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p39 of band) | |
| Deposits YoY | 13.7% | |
| Employees | 548 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)

## 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 | 1 | expense ratio p90 |  |

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

- 2025-10-10 [Settlement reached after claims, counterclaims of stealing trade secrets following Happy State Bank-Centennial merger - lubbocklights.com](https://news.google.com/rss/articles/CBMi2wFBVV95cUxPQTlaa2cyOTN1NlIwbFVfbnNvSXZWU2pWMV9fN1FhMFdGWUxHWHM5ODV2ekxGcjRPRERGMWF4eEhKZFJyYjZVaUtVdm9vTWxrVzJtUkl0MElpbmZUVkZOZGFpclFvdTJ1NXRRZnJ3RTVlRkhsMGYyUWNfYmVWRG9rMzYyX3Qwa3dOc1NqeHY5c2JJSi0zaTNGZlZqSDBXSFB2QXVrNW1Ra3pGQkZTZklBd1hJMklwakhwX05JZHNIdTU2RG9CeHBwSUt6d3Q0WksxMDRSdE9Pdi1pdWs?oc=5) · lubbocklights.com
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2024-11-18 [BOM Bank Completes Acquisition of Nine American State Bank Locations in Texas - bossierpress.com](https://news.google.com/rss/articles/CBMipgFBVV95cUxNZ2psVTBWZDhUWmZkVG5OVkZxTE94RlZWZlVNb1o4VGc0cFBWNTlLNzRLSUNoODdPTTQtLWdlektWb0g1U2ZCdndDS0JGT2t5Y2pXNk1wNS0tSVlEWFJEeWw5RFVUS1Zwdlkzb3hMbjVWNmY3UGFXNmFTZko2V0p4TFdCRTJQblBNQVFKMHNPSGlETXo3TDZjR3RLWE5uV1RPRlVCemZB?oc=5) · bossierpress.com
- 2022-10-27 [American State Bank partners with second-largest shareholder in quarterback Patrick Mahomes - KLTV.com](https://news.google.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?oc=5) · KLTV.com
- 2022-06-03 [American State Bank expands to South Plains, opens loan production office with Lubbock bank leader - Lubbock Avalanche-Journal](https://news.google.com/rss/articles/CBMi7gFBVV95cUxQWFlyVG9BRnJEclhOdW5LMXZmQmlWR3o2S3VJc2hMS2txdUxvYVFiU0dZZUM3d0FuRWs2cUtrYzAtbk9jUFZMelR2MVZsMjZZUlNqck1hRGYzSk41Yzl5d1hPRDlKajJvZFFRSmFRamR5N0R0Ti0zeXJpMGZ4MHllSFg2Z2JaUmV3N3lTREdFWVZfQTNzLTZjVjVXT0wwRDBVRGd5Nk9heURvUXhETHlsTzAzVWpIaFJoTVE3VGV4UUpja2x0LTZ4eVA5Q0ZRWmlScVc2MzA3Tlg1bmZ6OFlZVm1vYTFEUVBjb0dvNUp3?oc=5) · Lubbock Avalanche-Journal
- 2024-06-28 [South Texas ranch owner grapples with financial woes — including over the East Texas bank he owns - San Antonio Express-News](https://news.google.com/rss/articles/CBMingFBVV95cUxQVTB6eWg3QUg0VGxPYTR3YVNKckVyVXhtYUo1NmdkYU8yTjZ1VUx4VzRGVnkzZEtUZWFTOEQ0UHNIUXpSOEZ0TnlLUkdxYU95VWJ0dlVpQ1Fqd3EyYkJzTTdaSlhQaUFYRFhKb3dwdFNqQlNxSklxUkc4Nko3al9xbHVsbUJRQmRkbVJRTUVRYkdLY1FuT1A5SUxjT2lKdw?oc=5) · San Antonio Express-News
- 2017-09-11 [American State Bank Welcomes Commercial Lending Officers - PR Newswire](https://news.google.com/rss/articles/CBMisgFBVV95cUxQYjBSWUNKN2FOb25BVjNTbDh6RUxIa0NCM0dTX0Z4U2hieGpyMHctaTF5THh6YVE4QldBaHR2WDV6Rk5ocWNJTFBoWnJTT0w1bnVaYlJ3N0VoT1pkLUw0eXkzTVEtV2pKeFRMYzZrZ0psT0hab2thdWFKNmN6UWdWOWtiUmFxZXhVaTljS29tSExadGFiNU1kaEJKdWZZdnZrVDVoc2xwY0FMVWRPN1gyZXZ3?oc=5) · PR Newswire
- 2022-08-07 [American State Bank names Amarillo Region market president - Amarillo Globe-News](https://news.google.com/rss/articles/CBMivwFBVV95cUxPV2hnMWpDVk5RaUVQTW91c05QdDBZcTZwZlJsNXdxUzVhOXItY3QxVzdkajBiNVdTbk5GWS1Wd1k2SHNMWXZmVG11ZjZqSEprRkVWeHQwc01FNUp1MmV4ODdLN0YtRWNCc25WVVVoYnBNZEQ2M0NpZS04bTFzd2I3T09qNUJXeUpNVUg0amRld3dNY0dOcnNoRWhLV0xERDZIbVdxVlgtZVlYMkVHd21rTEFaX2FtRk5qaXBwZldBWQ?oc=5) · Amarillo Globe-News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16701 (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/61.json (key "16701", 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