# FIRST STATE BANK OF MOBEETIE
MOBEETIE, TX · FDIC certificate 17909 · asset band <$300M · latest filing 2019-12 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (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 | $76.5M | |
| Deposits | $66.7M | |
| Loans and leases | $11.7M | |
| Total equity | $9.8M | |
| Loans / deposits | 17.04% (p3 of band) | 76.58% |
| Liquid assets / assets | 84.08% (p98 of band) | |
| Uninsured deposits / deposits | 17.85% (p55 of band) | 16.53% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p21 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.86% (p67 of band) | 11.42% |
| Unrealized securities loss / equity | -0.81% (p5 of band) | 0.65% |
| AOCI / equity | 6.02% (p82 of band) | |
| ROA (annualized) | 1.00% (p49 of band) | 1.01% |
| Net interest margin | 2.42% (p4 of band) | 3.82% |
| Efficiency ratio | 101.88% (p96 of band) | |
| Noncurrent loans | 6.50% (p99 of band) | 0.52% |
| Net charge-offs (annualized) | -0.02% (p10 of band) | |
| Reserve coverage of noncurrent | 44.55% | |
| Real estate % of loans | 33% | |
| Construction % of loans | 0.00% (p7 of band) | |
| Auto loans | $1.1M (9.45% of loans; DQ 4.61%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 0.2% | |
| Employees | 11 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | leverage <7%, NIM <2.5% |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 4 | capital falling, reserve under noncurrent |  |
| 2012-06 | 3 |  | capital falling |
| 2012-09 | 4 | noncurrent p90 |  |
| 2012-12 | 3 |  | noncurrent p90 |
| 2013-03 | 4 | capital falling |  |
| 2013-06 | 5 | deposits shrinking, assets shrinking | capital falling |
| 2013-09 | 5 | uninsured deposits leaving | leverage <7% |
| 2013-12 | 5 |  |  |
| 2014-03 | 5 |  |  |
| 2014-06 | 5 |  |  |
| 2014-09 | 2 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2014-12 | 2 |  |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 3 | noncurrent p90 |  |
| 2015-09 | 4 | deposits shrinking |  |
| 2015-12 | 5 | assets shrinking |  |
| 2016-03 | 5 |  |  |
| 2016-06 | 4 |  | assets shrinking |
| 2016-09 | 4 |  |  |
| 2016-12 | 3 |  | deposits shrinking |
| 2017-03 | 3 | assets shrinking | NIM <2.5% |
| 2017-06 | 3 | NIM <2.5% | assets shrinking |
| 2017-09 | 3 | deposits shrinking | NIM <2.5% |
| 2017-12 | 3 |  |  |
| 2018-03 | 2 |  | deposits shrinking |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 3 | deposits shrinking |  |
| 2019-09 | 4 | expense ratio p90 |  |
| 2019-12 | 4 | NIM <2.5% | deposits shrinking |

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

- 2019-08-16 [Happy State Bank announces plan to acquire Centennial Bank - Lubbock Avalanche-Journal](https://news.google.com/rss/articles/CBMixAFBVV95cUxQREdSSTdsRFo1c28tWlRDekNFOXNGODFmTUplTGFGbXJQb1g4cDhEVGNGbDNrRnZJZFpUTnZxd1BqZExtQllKcTJBaGNmNGRKQ1l5ekpJT2Q3VERCZ1dndXdBWjJNdlFma3ROa2pycG5uTGtFM29tbnZjcmNDTEQ5Mk1MdUFoNmp3MWRyV3l2QVU5dkNwRkZ1SUhDMEtJMW9udGlzbndFRHBnRzgzOEZhcWk2V1pLU3RIZ3hiUTlueG1LM3d3?oc=5) · Lubbock Avalanche-Journal
- 2020-01-24 [Happy State Bank opens two new locations - KLBK | KAMC | EverythingLubbock.com](https://news.google.com/rss/articles/CBMimwFBVV95cUxPa1NKV29jTWJXUnhMTzBNc3JUby1zaDBpWTFPTGtrY0dVNFdEN2FrWlpUMUt2NzQxU01fWDltSDhWLTAzX2FpOGZWaTBVaW5vZUJfemJMTkNjM2VhMXJuZmtWTmpITjRvSnNBMTd3VHVKQTZHZ3ItdEc4ZjdnSDVjR3Z0akdMUmRoTHBkaUhGb1M0SW5ncHZhdGQtZ9IBoAFBVV95cUxOOFFuMXI5cXdBcm9DSTQyYkZmMzJOUkNzclJSckJUX3FCUU1FSWxiWkxqUThaMnZvMmNkZFZ1VVNfWU51UUZPS2tJblc4V0Q3b0pzSVg3c20zRFc3c0Q3eDFsbkJIbVBpaXhwdVdjOEZrbVZyLXZ1V1V6eG9UVDBHTFp5cVdwLTFRY3dUUWNONHN4NktZWDlfSDlMVnA3WjIx?oc=5) · KLBK | KAMC | EverythingLubbock.com
- 2009-08-29 [Audrey Mae Seitz Obituary Aug 29, 2009 - carmichael-whatley.com](https://news.google.com/rss/articles/CBMiY0FVX3lxTE5lbVpNX0N1RENQc1YxNHVjZW9iWXM3ekV2Ty1TVmFFVWxLbXg2M0szaXNkY0pQMjlnVUxHVHhfUGFQNTEyUm52T2pHZ2RsR2ZSazBfN2h6eUFVTTV1LTMwSXdPNA?oc=5) · carmichael-whatley.com
- 2022-08-18 [Bailout List: Banks, Auto Companies, and More | Eye on the Bailout - ProPublica](https://news.google.com/rss/articles/CBMiV0FVX3lxTE9yUjlLUHlRTkFPekMwR3J1MXFxS2o0OWc3cTFybnY2U1ZhZ1BkTVRweEE5bXJuWnVSTTRxWk1malZlQ2dPUVpHSTk0OTZfNUg3aGpUVVJrbw?oc=5) · ProPublica
- 2025-11-18 [Laura Fern "Wells" Selby Obituary (2025) - Wheeler, TX - Robertson Funeral Directors - Wheeler - Legacy obituary](https://news.google.com/rss/articles/CBMif0FVX3lxTE5JM3lVejBrSGxuaVB6akdSa3ptbWFJM21GWklMRXo3aFlCelN4UnJXWllNSTBQMHFCRmZRbWpqbzVNdlg5X2U2OFQ1YnpEanlEUXpuS2Nlc3B3Z2NTeE1rOEJmSEZCdFVJQ1NndzRNMXJhMDMyZ1RZSnhYXzcwSTg?oc=5) · Legacy obituary
- 2015-05-02 [Barbara Baird Obituary May 2, 2015 - carmichael-whatley.com](https://news.google.com/rss/articles/CBMiY0FVX3lxTE9WOTh0YVFjTmJLcFFGa25lSFc1aFR1bjVMQm9ab3ktZkJvR1k5MkxkaTdGUTNweG5jN2dXbE1EMllJZndpOXQ5Y1gtYzM1TmZxT0x1SzBfYmJOdmtneXAtS2tZNA?oc=5) · carmichael-whatley.com
- 2015-10-01 [1960s Austin Gangsters - The Austin Chronicle](https://news.google.com/rss/articles/CBMieEFVX3lxTE1oMHc0a0NDU0d2Q3pLZ1RTeDRTLWJtZUNCZDBSaGEwWnFmVFlxanYyOFM2UzZOdUt0UzVmc2FiSkplNHNLZ3NVYTdNZW45aTM2bEhfUFJjVURIbVdGRDJCQldRaU5lemNRS2g4ZEx4WUZNelJhRlF4Wg?oc=5) · The Austin Chronicle
- 2011-11-04 [Bailout Tracker - ProPublica](https://news.google.com/rss/articles/CBMiYEFVX3lxTE9WRVU5S0txR3VSdlY5QlVQdmdtVTNNdXE0bWZXZnBWT0tuaUx2VFg3Y0FReEZEZnRVV0hDNldzN0puTUpWd3pVcU83V2JYMkdodHRoNTluX2VpMk1ucUtTbQ?oc=5) · ProPublica

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17909 (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/53.json (key "17909", 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