# KRESS NATIONAL BANK
KRESS, TX · FDIC certificate 18892 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 (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 | $63.7M | |
| Deposits | $57.5M | |
| Loans and leases | $15.2M | |
| Total equity | $6.0M | |
| Loans / deposits | 25.80% (p6 of band) | 73.59% |
| Liquid assets / assets | 75.42% (p95 of band) | |
| Uninsured deposits / deposits | 26.98% (p74 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.64% (p19 of band) | 11.76% |
| Unrealized securities loss / equity | -6.22% (p52 of band) | -6.57% |
| AOCI / equity | -5.16% (p1 of band) | |
| ROA (annualized) | 1.30% (p58 of band) | 1.17% |
| Net interest margin | 3.18% (p18 of band) | 3.93% |
| Efficiency ratio | 59.96% (p35 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | -0.06% (p4 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 23% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $400,000 (2.63% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 19.6% | |
| Employees | 6 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## 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 | 1 | uninsured deposits leaving | capital falling |
| 2012-09 | 3 | wholesale funding >15%, deposits shrinking |  |
| 2012-12 | 1 |  | wholesale funding >15%, deposits shrinking |
| 2013-03 | 0 |  | uninsured deposits leaving |
| 2013-06 | 0 |  |  |
| 2013-09 | 1 | wholesale funding >15% |  |
| 2013-12 | 0 |  | wholesale funding >15% |
| 2014-03 | 2 | deposits shrinking, assets shrinking |  |
| 2014-06 | 1 |  | assets shrinking |
| 2014-09 | 1 | wholesale funding >15% | deposits shrinking |
| 2014-12 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving | wholesale funding >15% |
| 2015-03 | 1 |  | deposits shrinking, assets shrinking |
| 2015-06 | 0 |  | uninsured deposits leaving |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 4 | wholesale funding >15%, deposits shrinking, uninsured deposits leaving | noncurrent p90 |
| 2016-12 | 3 | assets shrinking | reserve under noncurrent, wholesale funding >15% |
| 2017-03 | 0 |  | deposits shrinking, uninsured deposits leaving, assets shrinking |
| 2017-06 | 1 | uninsured deposits leaving |  |
| 2017-09 | 1 | assets shrinking | uninsured deposits leaving |
| 2017-12 | 0 |  | assets shrinking |
| 2018-03 | 1 | capital falling |  |
| 2018-06 | 0 |  | capital falling |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | charge-offs p90 |  |
| 2019-03 | 1 | capital falling | charge-offs p90 |
| 2019-06 | 1 | charge-offs p90 | capital falling |
| 2019-09 | 1 |  |  |
| 2019-12 | 0 |  | charge-offs p90 |
| 2020-03 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2020-06 | 3 |  |  |
| 2020-09 | 3 |  |  |
| 2020-12 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2021-03 | 3 | capital falling, expense ratio p90, NIM <2.5% |  |
| 2021-06 | 0 |  | capital falling, expense ratio p90, NIM <2.5% |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 3 | capital falling, NIM <2.5%, charge-offs p90 |  |
| 2022-06 | 1 |  | capital falling, NIM <2.5% |
| 2022-09 | 2 | AOCI drag >20% of equity |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 0 |  | charge-offs p90, AOCI drag >20% of equity |
| 2023-06 | 1 | charge-offs p90 |  |
| 2023-09 | 0 |  | charge-offs p90 |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2024-09 | 3 |  |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2025-06 | 1 | capital falling |  |
| 2025-09 | 0 |  | capital falling |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | capital falling |  |
| 2026-06 | 1 |  |  |

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

- 2024-03-25 [Floyd Eugene Simmons (Tulia) Obituary May 29, 2007 - kornerstonefunerals.com](https://news.google.com/rss/articles/CBMiY0FVX3lxTE1CN2dtUGdnQnhsdHdhOG1jUF9XSWRXVkdOYWhQcXlVbnI2WWtZRXd3ckRZdnZHNUJ4SVdLYlZaR0w1QzVSQVZ3QWc1dDJvaWVDQVNndjdWS1VMcHl1bGVvQmRXYw?oc=5) · kornerstonefunerals.com
- 2025-03-17 [Kress volunteer fire department building damaged by strong winds - Plainview Herald](https://news.google.com/rss/articles/CBMipAFBVV95cUxOZmpyS3lDR2FsVElyUERwaExWNEFSam1EZXE2NExzN3lFUjJzLUtSZzJmUDhxcXBkZHdtaDFNR05QXzFvUDVta2dOb2tIZWJUWVlqNG9aNlN0SS11R1VzRVhvSTVtdjhjT2QyTVVVVTRzQ3lXcERwdmhHWXRxN002Y1BtRzM3WjI1V2Z5aDNEVGpzQXhPSGVEdXNRNkRrbzRlbkpfVw?oc=5) · Plainview Herald
- 2026-03-18 [Abbie Gail Blackerby Obituary Sep 10, 2017 - lemonsfunerals.com](https://news.google.com/rss/articles/CBMiaEFVX3lxTE1Zbm1PTVZpbTZJck5nU0hhS2FtcThSS1h2dDAtZEFpVkROcHVjTDMxSVhWV3M3TnBUTVB4T0xXOHdBX05DaWF4Q1l2TGNLdWk3MVQyQUZqVkV4YVowYjQ5YWxUaVNSUDkz?oc=5) · lemonsfunerals.com
- 2024-02-28 [Floyd Foster Obituary (1931 - 2024) - Kress, TX - Plainview Daily Herald - Legacy obituary](https://news.google.com/rss/articles/CBMikAFBVV95cUxOYUVYOXpyY0hZbzZYN2szV1RGb2xmd3NjWjQ4VDFybVNYUm9lNzhWdnZEajdCS3gwMHo5ejdfNWRaRGFXYjY2ZjBtRmdtQkJveUtlaWd2VjFUZmZqbkEtNy1qSTBRVTZGcmhncTlkbTlkOEo0WGdtYkd1bzl6bUcwNWRrSXF5RzI3c25QWHl0aTU?oc=5) · Legacy obituary
- 2010-06-12 [Engagement: Murray-Reagh - Plainview Herald](https://news.google.com/rss/articles/CBMiigFBVV95cUxQLXdSM0FqSE54V3pqRDc5S1hqN0dUN1poaHNXVi1FSThQT2Nfdk1PZDBXZVdoc0FhQlh2ZTJVX2xsS3ZBcEVmeldxaF9Lb2wycFgtVDZ6enoyWUpzRm4yaEs0T1QweTFsMTdqTVRId3pTSUFSQW5VM1RoQ3BTUmF6UUFiLWgwT0lJbWc?oc=5) · Plainview Herald
- 2023-08-16 [Dale Lindeman Obituary (1937 - 2023) - Kress, TX - Plainview Daily Herald - Legacy obituary](https://news.google.com/rss/articles/CBMikgFBVV95cUxPZnQwWlZiNjE0V216cWtqN2ROeTRUTzlzYW5EWUJxT3ZLenpWOWVsdFg2Um85ZEdTWFFySFViRzZScHV3WFNGVnR0SHNQeEF0RFEyTjZZWWxiMkZmbUdhbi1vSUZTUXZ5T3A1bzJHTUdfUjZob0VjSy15cklRdzcxb2JDU01PTS1rbnpUTjc0VU83Zw?oc=5) · Legacy obituary
- 2022-03-20 [Doris June Dorrough (Plainview) Obituary Mar 20, 2022 - kornerstonefunerals.com](https://news.google.com/rss/articles/CBMifkFVX3lxTFBTWXgyRUFCbjZnWGNfNUJKVW8yU3N0alYzcEllN3h5TEVOR2k1Y25ZYWtweGtsaUdpeUgwV2M5TklCaDVtRWVIOXNDZnBuSExNaHBFWUVOZU9Ja21raDg0QmVJRUQzbFlyMkU2ZWFsNWlYUjRud3ZHa3p3alJudw?oc=5) · kornerstonefunerals.com
- 2025-09-27 [Mark Hodges Obituary (2025) - Hale Center, TX - Ramage Funeral Directors, Inc. - Olton - Legacy obituary](https://news.google.com/rss/articles/CBMif0FVX3lxTE5rbHBHTkdWZnJrQzVZRjJlSzRJMzNhZENMTU9ldWRhd0FpNkRsVEtUd0xoMG9JdzE0cloxUjY3Q2t0V2N4VldvUlpKZjRIYmRUQVMwZWtfcFp0clphRHZheFl2LUJEQ21jem02VTByWGo0Y1hSVlhJbU0tTjRReWM?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=18892 (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/12.json (key "18892", 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