# CASTROVILLE STATE BANK
CASTROVILLE, TX · FDIC certificate 17979 · asset band <$300M · latest filing 2026-06 · live

**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 | $269.7M | |
| Deposits | $241.3M | |
| Loans and leases | $186.4M | |
| Total equity | $27.9M | |
| Loans / deposits | 76.40% (p56 of band) | 73.59% |
| Liquid assets / assets | 29.63% (p43 of band) | |
| Uninsured deposits / deposits | 37.80% (p91 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.93% (p38 of band) | 11.76% |
| Unrealized securities loss / equity | -11.80% (p36 of band) | -6.57% |
| AOCI / equity | -1.41% (p20 of band) | |
| ROA (annualized) | 1.41% (p63 of band) | 1.17% |
| Net interest margin | 3.56% (p32 of band) | 3.93% |
| Efficiency ratio | 51.14% (p16 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.05% (p81 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 86% | |
| Construction % of loans | 93.52% (p93 of band) | |
| Auto loans | $1.8M (0.99% of loans; DQ 1.24%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 6.7% | |
| Employees | 32 | |

## 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 | 0 |  | capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | capital falling |  |
| 2016-06 | 0 |  | capital falling |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 2 | capital falling, uninsured deposits leaving |  |
| 2017-09 | 0 |  | capital falling, uninsured deposits leaving |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | construction >100% equity |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 | reserve under noncurrent | construction >100% equity |
| 2018-12 | 2 | capital falling, construction >100% equity | reserve under noncurrent |
| 2019-03 | 2 |  |  |
| 2019-06 | 1 |  | capital falling |
| 2019-09 | 0 |  | construction >100% equity |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | charge-offs p90 |  |
| 2021-06 | 1 |  | charge-offs p90 |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 1 | construction >100% equity |  |
| 2022-03 | 2 | capital falling |  |
| 2022-06 | 2 | AOCI drag >20% of equity | capital falling |
| 2022-09 | 3 | securities losses >30% of equity |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 2 | charge-offs p90 | AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-06 | 2 | securities losses >30% of equity | charge-offs p90 |
| 2023-09 | 2 |  |  |
| 2023-12 | 1 |  | securities losses >30% of equity |
| 2024-03 | 2 | charge-offs p90 |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 1 |  | charge-offs p90 |
| 2025-06 | 1 | deposits shrinking | construction >100% equity |
| 2025-09 | 0 |  | deposits shrinking |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | capital falling |  |
| 2026-06 | 0 |  | capital falling |

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

- 2026-04-17 [List extra: San Antonio banks, credit unions grow deposits by more than $2.3B - The Business Journals](https://news.google.com/rss/articles/CBMirgFBVV95cUxPM3VBeDlQN3I4MXNGSWFlR2pIX0RJT1gtcDRPSlhsY1NHR3V0ZF9aLWZkNnY0ZWlJWmRkenJUcWhMRG9rME5Wa0JjT0ZDSUZnM05NYXRQMGlxd0tKN1lUTGM4ald4UVNmb0pBX0hYNE9PMTNfeXhpNWJKVWJYWmxKY3pfQXpUQWktcm9WVHAwUnVPMUtEbjRiYkVEWFJNWllXMWNteDVlOVF1bG5kRWc?oc=5) · The Business Journals
- 2026-03-20 [Paulette Davis Obituary - Burnet, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMiggFBVV95cUxQblZvTVQ0cE1hVlBLWVlELUJBRDNSN0hqdl9paXlxZDk4RWhwVGhaM1pHV3otTzdqVC04dmRNSlQ2ODBEX2diOS0xT0ZZb3VYcmI5LUFycGdrazR1c3ZfYjhFMTQxUFVWNnZyX28xdVhtMDRGVXltVHRQQjlCVHZJT3ZR?oc=5) · Dignity Memorial
- 2023-08-18 [Louis Hart Obituary (1923 - 2023) - San Antonio, TX - San Antonio Express-News - legacy.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxNYnhiLUxQbFZYR1JPamw3TUJ0dzJjbmJPeXcxUWtHeVFrOWNnNm1XZTRNVmVrd01BdnUzbmVOeFp6cjhMbGN3VTVpWVh2ZXltVkVwQW1JNjY5T2hiVXpoZjg2eGlLZG5STmlTNG5pMWVQMnZ2dU53MGxzbE1uVXE5MEp5NFZVMFFPcW9fNg?oc=5) · legacy.com
- 2024-12-11 [Michael Anthony "Mike" Tschirhart Obituary (2024) - Castroville, TX - Tondre-Guinn Funeral Home - Castroville - legacy.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQY2xTT19EQVNVR1U4V1A4WjhCWDYzdGNzV0NLTVcwMDRUTFZqbXJOSWl1Znc3aUxxMmpVM3k1cDdfWG5hNWZlUHctNzJrR1hhTE9PeGdIdUl1d0pubThYN2E4ZTQ2Z0l2a0NONTB0LWZXMHR0X0JNMDBWbWFkSWRxSHpQZkNkLWl2?oc=5) · legacy.com
- 2023-01-15 [Louis Lagleder Obituary (1928 - 2023) - San Antonio, TX - San Antonio Express-News - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxNcTNFRlJFZ0gycGgwTWFlUkZDeG5yVEItRnpzX0g5TUVNVU5ZdWN6Q093bWMxMTVOU2poc2NGZ1BuaTVKYjBpeWMxRU1vU0k4WV9IUWhmRzNmSF9aczFhVlMzdk1vWHpFWUZ0aFRxWl81alBqb19fZGc3Rm5DMHZfemRCSW5UdFNiM2xsTnBPcG5RZw?oc=5) · legacy.com
- 2024-08-14 [Adeline Helen Ahr Weiblen Obituary (2024) - Castroville, TX - Tondre-Guinn Funeral Home - Castroville - legacy.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxQbnpTaGk3dkp6b3pyM1V6T0tGdVRqUEdrZVptLWszNVVGbS1fNHFwRXRDQU5Gc2lBYWhKQXpVbENodUZxUWdGeElFSlUtTThJcWF0bjBkY0w5dV9NZW5XM09BV3ZhcFV1WksybWdYZ0Nndmk2MDZvQ3FxOC1tek1LZk9sc3VhOTh6NFE?oc=5) · legacy.com
- 2022-04-12 [Joseph John Winkler Obituary (2022) - Castroville, TX - Tondre-Guinn Funeral Home - Castroville - legacy.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxORlBLenlhem5BMTNaT1BXeW1VTG5WSElWUzlydXVqNHVyTGRIYTNBRm51a3B0aE5iRmxwcjlZVnpCb0FwQkcySlhta1l3VE55ZEM4djFNc1V5NkNEdTEzS3NVQXpyNElfekRMeHBYMGxmSzFKaEtnNng4RGFocXg2QUZ2cw?oc=5) · legacy.com
- 2016-09-29 [Richard Schott Obituary (1921 - 2016) - Castroville, TX - San Antonio Express-News - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxOLU0wRWtORHJDRmFIS1k2V1pzN2gyQmExYkdTTFVMWjRUdjRGUEl0elhvN1JUX2s0NTB3Sy1CLUtOSF9vTmltUllTWThQUVFSNF9kNzJMRFBtaVI5djJsdENpb3QySWxYZV9UZWhwZ3JzczVCTW1HM1NzajE4SGRnbUJ1UEl5aUh1VmZXNWVVNDZsQQ?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17979 (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/59.json (key "17979", 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