# SUNDOWN STATE BANK
SUNDOWN, TX · FDIC certificate 18780 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. 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 | $307.7M | |
| Deposits | $269.6M | |
| Loans and leases | $191.9M | |
| Total equity | $36.5M | |
| Loans / deposits | 70.41% (p26 of band) | 82.04% |
| Liquid assets / assets | 34.39% (p74 of band) | |
| Uninsured deposits / deposits | 23.45% (p41 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.63% (p64 of band) | 10.81% |
| Unrealized securities loss / equity | -1.31% (p84 of band) | -8.10% |
| AOCI / equity | 0.00% (p77 of band) | |
| ROA (annualized) | 4.15% (p99 of band) | 1.28% |
| Net interest margin | 4.26% (p71 of band) | 3.91% |
| Efficiency ratio | 31.06% (p2 of band) | |
| Noncurrent loans | 0.84% (p68 of band) | 0.43% |
| Net charge-offs (annualized) | 0.06% (p78 of band) | |
| Reserve coverage of noncurrent | 126.44% | |
| Real estate % of loans | 57% | |
| Construction % of loans | 31.75% (p39 of band) | |
| Auto loans | $240,000 (0.13% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 6.1% | |
| Employees | 36 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 2 | capital falling |  |
| 2012-03 | 1 |  | capital falling |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 3 | leverage <7%, capital falling |  |
| 2013-06 | 1 |  | leverage <7%, capital falling |
| 2013-09 | 1 |  |  |
| 2013-12 | 3 | deposits shrinking, assets shrinking |  |
| 2014-03 | 3 | uninsured deposits leaving | reserve under noncurrent |
| 2014-06 | 1 |  | assets shrinking, uninsured deposits leaving |
| 2014-09 | 3 | uninsured deposits >50%, leverage <7%, capital falling | deposits shrinking |
| 2014-12 | 2 |  | uninsured deposits >50% |
| 2015-03 | 0 |  | leverage <7%, capital falling |
| 2015-06 | 0 |  |  |
| 2015-09 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2015-12 | 3 |  |  |
| 2016-03 | 3 |  |  |
| 2016-06 | 4 | reserve under noncurrent |  |
| 2016-09 | 3 |  | reserve under noncurrent |
| 2016-12 | 3 |  |  |
| 2017-03 | 1 |  | deposits shrinking, assets shrinking |
| 2017-06 | 1 | reserve under noncurrent | uninsured deposits leaving |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | capital falling, charge-offs p90 | reserve under noncurrent |
| 2018-06 | 2 | uninsured deposits leaving | capital falling |
| 2018-09 | 1 |  | uninsured deposits leaving |
| 2018-12 | 1 |  |  |
| 2019-03 | 0 |  | charge-offs p90 |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | capital falling |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 0 |  | capital falling |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2023-06 | 2 | brokered >10% | deposits shrinking, assets shrinking |
| 2023-09 | 3 | capital falling |  |
| 2023-12 | 2 |  | brokered >10% |
| 2024-03 | 0 |  | uninsured deposits leaving, capital falling |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | reserve under noncurrent |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 0 |  | reserve under noncurrent |

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

- 2021-06-26 [John and Dorothy Soules Obituary - Lubbock Avalanche-Journal](https://news.google.com/rss/articles/CBMiXkFVX3lxTE5Sb0NvaVJNV2lFOG9QYjZ2RUM5dngyU0JqbDRKQmwwcHdlRWdVc3lOQV9hUExkTDBYZ1RLSnRQVEpfQndtZTY4V1VSSUt0R193RGVSbml0dllEcGFZZ2c?oc=5) · Lubbock Avalanche-Journal
- 2017-08-17 [Heartland Data Breach Update: Thousands of Institutions Impacted - BankInfoSecurity](https://news.google.com/rss/articles/CBMiogFBVV95cUxNWVEyRWhPeVlpYXZaX19sN1VhVk5zZ1RJb2xUMlNFUmhWdnU2c1NxVXRJcVBxYTJXM0ptVjFreVRaQjJQNkdoQmFKWmQxU3ZNMU5ROGRsbVVreFdIeUhHMmEwSjdnaHVoaDd3ZmhWQmdDX1huU3UyeFlYakxsMW1DTEJEMmVsR3BLelpjd0xENjB1eFBqOXFFcFdtc1lqVE44YlE?oc=5) · BankInfoSecurity
- 2025-05-08 [Katie Richolson Obituary - Lubbock, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMihAFBVV95cUxPR3NIQlA4VjN2eVd2MGZDZHlJX2NnOUxObXFMYy1PcnM5RmptOUczNjNVZEt3RWMwV1NxTkI4cV9xYi1weTBhamtwZWNHdm10SVBRaDZwX1RHeDdvNDdJRDBEajE0bXY4eEozTHFQT0pVLWZvT19yY1loenExWUdlVnZDdWI?oc=5) · Dignity Memorial
- 2018-03-14 [Abbey Flemming Obituary - Levelland, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMihAFBVV95cUxOS1lQMFN2YnpUUDVqSkhtOUljRWZTUTlQc1ZqY0RJcHFhTHZlUHdfX01UR1pCeDRoLVJRVzI0Vk14ZjJzaFdFZUIxcE1QOWI4R1EzMWpMczdOLWp2SnZGOXpzbGozdjVtUVVWMDJQcjBIcmswX25CQTFvOS1tMjdlU0RUdmI?oc=5) · Dignity Memorial
- 2025-08-22 [Barbara Hart Obituary (2025) - Levelland, TX - Krestridge Funeral Home - Levelland - legacy.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxNNzM0RHNaNGt1a0VaLVkwUjNtVFAwVWFfMk1CeTFPcmF5QV8taFgxUnotZENDM2dwWl94QlR4QU5OdmpnS1JXekRJWEtYelNrdnFmTzRjTThqdko2ejUyYm9PdGNFckhGR29aZ2lnVERmU2drRkRUWlpZU1NLTlVoQQ?oc=5) · legacy.com
- 2014-04-05 [Charlotte Boles Obituary - Levelland, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMihgFBVV95cUxNaXV2Q1JILUNsVVRSU1UtZnR4SGFxaUdWOVhDU0JvMzVuZUczeDF2YzRwdmh0TURpX045YkJLemQ1UFU1T3RVN1lzUXhTZlZpSlZTNnpCYkVwY3dYdVZjWjZaZXFxY3RLYUk5SGdtYTB4YkVRRHliVTVfTnhTamZjVmhNS2ZXZw?oc=5) · Dignity Memorial
- 2025-02-02 [Christi Beadles Spruiell Obituary (2025) - Levelland, TX - Krestridge Funeral Home - Levelland - legacy.com](https://news.google.com/rss/articles/CBMihgFBVV95cUxPTzdTV2dtUHE5VjdDYkotNTJFWnNxaC0xMFd5Z3oyS2hKRjVucmh6SU81OTVQdlNlaW9GUmtlS2pIalRUbk5nM2NMc240NzAzVXZlRXdGaUVhYjNvRFFrWk5HVGNNMGk3bHpEYkNELTVRZDRZZjV1WF9TbFBPSkxoMVJHdDhtdw?oc=5) · legacy.com
- 2021-09-29 [Michael Broussard Obituary (1947 - 2019) - Ransom Canyon, TX - Lubbock Avalanche-Journal - legacy.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxNNzVpejR2X1VfU1VTaEwzZnZ4dEpzVEt6R1c2aEtsN2EwTG94V19SOEcxeHlXOFRDWHA4ZmVmbG1VUGtTWHhaVk5Nd1hjZkI2Qk5zeFpjMmIzaFFLSlpQR3pmY0Z0S1J1Z2ZVaGJWU0ozUFhxZ25NQVJyMUcxS0MxcXVkbnFQbHU2eXhyTlY2T1Z2Y0NjZ1RNTQ?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=18780 (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/28.json (key "18780", 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