# ONE BANK&TRUST NATIONAL ASSN
LITTLE ROCK, AR · FDIC certificate 17800 · asset band <$300M · latest filing 2018-06 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 12 (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 | $255.8M | |
| Deposits | $208.9M | |
| Loans and leases | $194.9M | |
| Total equity | $4.8M | |
| Loans / deposits | 91.91% (p78 of band) | 76.78% |
| Liquid assets / assets | 19.81% (p26 of band) | |
| Uninsured deposits / deposits | 12.02% (p34 of band) | 15.22% |
| Brokered deposits | 3.22% | |
| Wholesale funding | 19.25% (p95 of band) | |
| FHLB advances / assets | 15.83% | |
| Tier 1 leverage | 2.15% (p0 of band) | 11.19% |
| Unrealized securities loss / equity | -16.54% (p3 of band) | -2.38% |
| AOCI / equity | -5.55% (p9 of band) | |
| ROA (annualized) | -1.41% (p2 of band) | 1.00% |
| Net interest margin | 2.93% (p12 of band) | 3.78% |
| Efficiency ratio | 130.46% (p99 of band) | |
| Noncurrent loans | 2.19% (p86 of band) | 0.57% |
| Net charge-offs (annualized) | 0.46% (p97 of band) | |
| Reserve coverage of noncurrent | 68.19% | |
| Real estate % of loans | 81% | |
| Construction % of loans | 282.12% (p100 of band) | |
| Auto loans | $4.1M (2.09% of loans; DQ 0.02%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -9.1% | |
| Employees | 53 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)
- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | brokered >10%, wholesale funding >15%, liquid assets <10%, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 4 |  | liquid assets <10% |
| 2011-09 | 4 |  |  |
| 2011-12 | 4 |  |  |
| 2012-03 | 6 | capital falling, uninsured deposits leaving |  |
| 2012-06 | 5 |  | construction >100% equity |
| 2012-09 | 7 | leverage <7%, losing money, construction >100% equity | uninsured deposits leaving |
| 2012-12 | 8 | expense ratio p90 |  |
| 2013-03 | 12 | leverage <5%, noncurrent p90, assets shrinking |  |
| 2013-06 | 14 | deposits shrinking, uninsured deposits leaving |  |
| 2013-09 | 14 |  |  |
| 2013-12 | 13 |  | uninsured deposits leaving |
| 2014-03 | 15 | charge-offs p90, uninsured deposits leaving |  |
| 2014-06 | 12 |  | capital falling, losing money, uninsured deposits leaving |
| 2014-09 | 12 |  |  |
| 2014-12 | 10 |  | reserve under noncurrent, noncurrent p90 |
| 2015-03 | 12 | capital falling, losing money |  |
| 2015-06 | 14 | noncurrent p90, reserve under noncurrent |  |
| 2015-09 | 8 |  | construction >100% equity, expense ratio p90, leverage <5%, capital falling, losing money |
| 2015-12 | 8 |  |  |
| 2016-03 | 8 | capital falling, losing money, expense ratio p90 | assets shrinking, deposits shrinking, charge-offs p90 |
| 2016-06 | 10 | leverage <5%, charge-offs p90, construction >100% equity | noncurrent p90, reserve under noncurrent |
| 2016-09 | 11 | assets shrinking |  |
| 2016-12 | 14 | noncurrent p90, reserve under noncurrent, uninsured deposits leaving |  |
| 2017-03 | 12 | deposits shrinking | brokered >10%, noncurrent p90, uninsured deposits leaving |
| 2017-06 | 12 |  |  |
| 2017-09 | 13 | noncurrent p90 |  |
| 2017-12 | 12 |  | noncurrent p90 |
| 2018-03 | 11 |  | charge-offs p90 |
| 2018-06 | 12 | charge-offs p90 |  |

## 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=17800 (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/8.json (key "17800", 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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