# SECURITY STB NA
ORE CITY, TX · FDIC certificate 17027 · asset band <$300M · latest filing 2013-12 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 5 (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 | $44.0M | |
| Deposits | $36.3M | |
| Loans and leases | $19.2M | |
| Total equity | $7.6M | |
| Loans / deposits | 51.95% (p22 of band) | 69.26% |
| Liquid assets / assets | 41.02% (p63 of band) | |
| Uninsured deposits / deposits | 17.93% (p71 of band) | 12.49% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.79% (p70 of band) | 10.29% |
| Unrealized securities loss / equity | -2.24% (p40 of band) | -1.01% |
| AOCI / equity | -6.73% (p31 of band) | |
| ROA (annualized) | -0.85% (p4 of band) | 0.76% |
| Net interest margin | 4.40% (p86 of band) | 3.63% |
| Efficiency ratio | 93.96% (p86 of band) | |
| Noncurrent loans | 2.12% (p72 of band) | 0.94% |
| Net charge-offs (annualized) | 1.24% (p97 of band) | |
| Reserve coverage of noncurrent | 68.23% | |
| Real estate % of loans | 65% | |
| Construction % of loans | 14.78% (p47 of band) | |
| Auto loans | $2.7M (13.97% of loans; DQ 1.83%, NCO 0.07%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -5.6% | |
| Employees | 12 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | reserve under noncurrent |  |
| 2011-12 | 0 |  | reserve under noncurrent |
| 2012-03 | 1 | reserve under noncurrent |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | capital falling |  |
| 2013-06 | 3 | losing money |  |
| 2013-09 | 3 | charge-offs p90 | capital falling |
| 2013-12 | 5 | deposits shrinking, assets shrinking |  |

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

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17027 (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/3.json (key "17027", 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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