# FIRST NATIONAL BANK OF ALVIN
ALVIN, TX · FDIC certificate 18282 · asset band <$300M · latest filing 2024-12 · stopped filing (departed)

**Verdict on the desk:** this could be *run candidate*. Composite score 2 (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 | $162.7M | |
| Deposits | $156.6M | |
| Loans and leases | $23.3M | |
| Total equity | $5.5M | |
| Loans / deposits | 14.70% (p5 of band) | 72.20% |
| Liquid assets / assets | 83.96% (p97 of band) | |
| Uninsured deposits / deposits | 39.70% (p92 of band) | 19.30% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p20 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.41% (p50 of band) | 11.46% |
| Unrealized securities loss / equity | -234.42% (p1 of band) | -13.79% |
| AOCI / equity | -7.95% (p3 of band) | |
| ROA (annualized) | 0.35% (p21 of band) | 0.90% |
| Net interest margin | 2.02% (p4 of band) | 3.57% |
| Efficiency ratio | 84.45% (p77 of band) | |
| Noncurrent loans | 0.00% (p13 of band) | 0.26% |
| Net charge-offs (annualized) | 0.00% (p46 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 89% | |
| Construction % of loans | 92.14% (p90 of band) | |
| Auto loans | $36,000 (0.15% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 1.4% | |
| Employees | 17 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)
- **NIM <2.5%** (`earn_nim`)

## 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 | capital falling |  |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | capital falling |  |
| 2013-09 | 0 |  | capital falling |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | NIM <2.5% |  |
| 2015-06 | 2 | capital falling |  |
| 2015-09 | 1 |  | capital falling |
| 2015-12 | 1 |  |  |
| 2016-03 | 2 | reserve under noncurrent |  |
| 2016-06 | 2 | capital falling | reserve under noncurrent |
| 2016-09 | 1 |  | capital falling |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 2 | capital falling |  |
| 2017-09 | 1 |  | capital falling |
| 2017-12 | 1 |  |  |
| 2018-03 | 3 | capital falling, reserve under noncurrent |  |
| 2018-06 | 3 |  |  |
| 2018-09 | 1 |  | NIM <2.5%, capital falling |
| 2018-12 | 0 |  | reserve under noncurrent |
| 2019-03 | 0 |  |  |
| 2019-06 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2019-09 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2019-12 | 1 | NIM <2.5% |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | capital falling |  |
| 2020-09 | 1 |  | capital falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 2 | capital falling |  |
| 2021-09 | 1 |  | capital falling |
| 2021-12 | 1 |  |  |
| 2022-03 | 3 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-06 | 4 | capital falling |  |
| 2022-09 | 1 |  | AOCI drag >20% of equity, securities losses >30% of equity, capital falling |
| 2022-12 | 5 | AOCI drag >20% of equity, securities losses >30% of equity, construction >100% equity, assets shrinking |  |
| 2023-03 | 2 |  | AOCI drag >20% of equity, construction >100% equity, assets shrinking |
| 2023-06 | 5 | construction >100% equity, deposits shrinking, assets shrinking |  |
| 2023-09 | 7 | AOCI drag >20% of equity, uninsured deposits leaving |  |
| 2023-12 | 5 |  | AOCI drag >20% of equity, uninsured deposits leaving |
| 2024-03 | 5 |  |  |
| 2024-06 | 5 |  |  |
| 2024-09 | 2 |  | construction >100% equity, deposits shrinking, assets shrinking |
| 2024-12 | 2 |  |  |

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

- 2024-10-17 [First Liberty National Banchares Inc. to acquire First National Bank of Alvin and Pearland State Bank - bluebonnetnews.com](https://news.google.com/rss/articles/CBMi1gFBVV95cUxOUkNkTWUtVFZSVDMwMG1wRlV0dEZGbmtIYkZoTW02WnB6ZzBNUmFPenAzRi0wQ0pzRFFtTEl4WXBmbnNhdlBETi11S0FqU0ktUEQ2OTdXUEFUcmpFNVRLSUNZM2FjMG94bEVydHNIcU5Ob0VkRGdKcDRUWGVMY2pIdVlQZnhHRFp0aGFobUlNZkw1Z25ta3puaHNnTDM2WEx0bWJSbnotOFNfd2lkOUlOWXg4RHdwa0JYQmQ2czF4VjltQXh3dkdpRkdjVGxOR0NmdXB4S0lR?oc=5) · bluebonnetnews.com
- 2024-10-17 [First Liberty Bank to acquire two Houston-area banks, eyes more local growth - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPLW9DNWJKOE5VR2I3dG5lY05NeDVweVpHa0Z1U25HN2YxYzZPazViVl9YVkJWWFlMR1N4QlR3V2lpd3ZlRldVOGF6QlNGMFFoQkswWnhWV1ZndTN6TVNwclZuWGY4eFRUYkkxM2dON0xWZWdSTEpRUERibExUejQ2eEJlNUlkQUIzcmUtQU5oaDBVdkdPUUZyeE9ETDdVLXdvbkw0N1VSeFNjUQ?oc=5) · The Business Journals
- 2017-10-18 [For nearly a half century gators have called this Alvin bank home - Houston Chronicle](https://news.google.com/rss/articles/CBMimAFBVV95cUxOTGNPcGh1Wno5V1NPSXBTakhscHE3VExkODFwWS1ieUZuY3NPMUdrT1Rkc2ZfWjhZS1VsVUg3U0VTRm1kRXJZbV9VZ0Zzd2lQbkczZlE4NnBHeEtwRWMyYWN6YnFxWXRBMWpjdDZneGwtY0RBY2xneVAxQ3JrWTFRVWtfOEV3VVBVc01RbWhPVTRIdGczMjdTYg?oc=5) · Houston Chronicle
- 2017-10-30 [Texas bank proudly known as home for 2 alligators - journalrecord.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxOSzFUTDc1cUdBYU8xODREbVJXdUlyN1BPOTFMSmtsZEwtYkxYeHhJT3lNbm1MeUtZZkNBNmJURnVnMGk2OGFQVlNvZkpZd0doRWllaklfWlJHcC1EM3dBTTBJS3ZEM1FtTjN2Y1ZhcWhZRm9YRVV0eFhsdUFJRjBucWVhU0thajc0d29SMEFOdjE?oc=5) · journalrecord.com
- 2020-03-25 [Texas Bankers Hall Of Fame Names 2020 Honorees - Texas Border Business](https://news.google.com/rss/articles/CBMihgFBVV95cUxNNHBmT3RBdE5KRU5VN25BTEljWGh1R3k1Y3BmVDdTSFo4TVg2MGIwbFZjSzZZQUREV0ptVFlXR3NWSmVPWHRoUWVWdFBQbVlMbk1OcGFZZUNVYmp0TmJtLU5MV1dOSHhtLTN4cTlZdjBmSko0NDVIYmtocTBYQkNZTFV4WmN3QQ?oc=5) · Texas Border Business
- 2024-10-01 [Darlene Kay Childress Obituary (2024) - Alvin, TX - Scott Funeral Home - Alvin - legacy.com](https://news.google.com/rss/articles/CBMihwFBVV95cUxPcmxiX2RKX3B4RVBrTTZLOEdmT212eVdEWlFWaGNtTEZ2aGhENVZtRUhtSTU2NldzV0o4NzlHdVJwQUl0OGJHRjRBNk1yV1NqWVZwWUMydXBJMGZxRTI3T1BlTk5hMV9jWi1WWDB3MDkwTURfV01tS0tHdVczVWc2RnFFeUZTNlU?oc=5) · legacy.com
- 2022-03-13 [Lloyd Ferguson Obituary (1925 - 2022) - Charlie, TX - Houston Chronicle - legacy.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxPa3BuMDFVUWxWN09QZXZ4ZkszeUdKT25DdEdjT1RSMjYxSHdkQjZRUkRNZlVuZ2dOU2p1N19MY0xwYWZWc0Z6Z0luT01fNEZsNzZ4MGxkZFZaVVFUbkFCT2xZMkhkUmpPVWUtWkJ6aDYyUDhGZ1JVcmluYzBleUVpU2hKRHJLUTRmTGhka2lOYzRtVkJvdkdwZWhR?oc=5) · legacy.com
- 2011-11-12 [Lloyd Ferguson Obituary (1951-2011) - Houston, TX - The Pearland Journal - legacy.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxNeV8zRWx6eEZjdUc3bU82OC1hZ1dsT0lqVjBvcXhJLU9JVEtMcVIxd01MMnJjdlpzN3ZGaWg3UjU2d3VHRWgyN3FObFFQQWxyRzFvVGlqT1JhN2ZFejNMbTNTaG04dTI3cXFCVlJ5SkdVQWVYLW9mUG1HQXU0MGJJSGpnWDAxTTNNdFVTYm9sUQ?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=18282 (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/42.json (key "18282", 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