# FORT HOOD NATIONAL BANK
FORT HOOD, TX · FDIC certificate 19640 · asset band $300M-1B · latest filing 2020-09 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $337.2M | |
| Deposits | $300.6M | |
| Loans and leases | $91.4M | |
| Total equity | $32.4M | |
| Loans / deposits | 30.22% (p2 of band) | 81.65% |
| Liquid assets / assets | 71.13% (p98 of band) | |
| Uninsured deposits / deposits | 4.46% (p1 of band) | 23.92% |
| Brokered deposits | 0.01% | |
| Wholesale funding | 0.63% (p25 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 7.74% (p4 of band) | 9.93% |
| Unrealized securities loss / equity | 17.63% (p98 of band) | 2.75% |
| AOCI / equity | 13.40% (p100 of band) | |
| ROA (annualized) | 0.78% (p29 of band) | 1.06% |
| Net interest margin | 2.44% (p5 of band) | 3.52% |
| Efficiency ratio | 82.35% (p91 of band) | |
| Noncurrent loans | 1.09% (p75 of band) | 0.50% |
| Net charge-offs (annualized) | 0.04% (p69 of band) | |
| Reserve coverage of noncurrent | 51.10% | |
| Real estate % of loans | 47% | |
| Construction % of loans | 0.06% (p3 of band) | |
| Auto loans | $2.0M (2.15% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 13.9% | |
| Employees | 58 | |

## Flags firing in the latest filing

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

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | leverage <7% |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 0 |  | leverage <7% |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | NIM <2.5% |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 2 | AOCI drag >20% of equity |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 1 |  | AOCI drag >20% of equity |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 3 | reserve under noncurrent, uninsured deposits leaving |  |
| 2015-12 | 3 | noncurrent p90 | uninsured deposits leaving |
| 2016-03 | 3 | uninsured deposits leaving | noncurrent p90 |
| 2016-06 | 5 | capital falling, noncurrent p90 |  |
| 2016-09 | 4 |  | capital falling |
| 2016-12 | 4 |  |  |
| 2017-03 | 3 |  | uninsured deposits leaving |
| 2017-06 | 3 |  |  |
| 2017-09 | 3 |  |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 3 |  |  |
| 2018-06 | 2 |  | NIM <2.5% |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 0 |  | reserve under noncurrent, noncurrent p90 |
| 2020-09 | 4 | capital falling, expense ratio p90, NIM <2.5%, reserve under noncurrent |  |

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

- 2026-07-21 [Terry Tuggle, well-known Killeen banker, dies at 87 - The Killeen Daily Herald](https://news.google.com/rss/articles/CBMixwFBVV95cUxNNE10TXBnMlVaNDl5Mm5qNzJ0YWtvRmxEWU5KajBWODR3eG9hS0JXb3NEalV2X1dZMXV5VldGNWc5Qm5lc2hZaTVCQ1V1a2lfZ3BwaGhDckxWclFyRDVoa2dzZzBmNEdiZXFkMWpwOHlyNEEzc3VkaVRSM2NBMHlhNjNNcHVGYjBNOV8zclVaRko0eHA3VHMtTnQ5OHA0QS16SmVydWZibF83blozUlEwYlpRWlZ3aTg2Qzd0NWxWVEN3QUhfcmpz?oc=5) · The Killeen Daily Herald
- 2026-07-20 [P. Tuggle Obituary - Killeen, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMie0FVX3lxTE9iYmJlbVFJdmZ4Vm9RRzVVdWZuMEpFRTVuTGtJQWNXeXFKRElVSm8yMzdONS1ybGY4S0JTZmpMU1hfTFBOUnM2U192cGp2cTc0Z3ZtcFZROW1jRHF5ME02cHRFYl9OOFo4UWp4b2RwdGhkTDNqUm1QWGMtZw?oc=5) · Dignity Memorial
- 2019-09-12 [Fort Hood National Bank named best in Army - Fort Hood Sentinel](https://news.google.com/rss/articles/CBMixAFBVV95cUxQV2k3VDJuWUdHUl9TSXFLX2VUYWFXMEhBMWNhZEZfTmtZbkhnN3ViX3U0ZXVjY1p5OUMwcFZpMGRGM29aZU14dUd6dXp0N1NZazNMdWJKRzJtWDZwTEdWVEVfRHZTWGRwQWdGdkFVblpGMnh3Rk9JY0JPQlZ4dDRyejhHZWx5VVgzWS11aGpmMzIxNUhCZnVrQl85WG1CdmxaYUFYY295TFpRYV81UWFXZFJYWlNCYXNibmpfTlpHdFV0NkpY?oc=5) · Fort Hood Sentinel
- 2015-09-18 [Army names best post financial institutions - army.mil](https://news.google.com/rss/articles/CBMihgFBVV95cUxOVl9VTWdZUVpVd3VxTXNMTy1KNWZlWmtHMkNaRlJWSlBodTNZT2NIWUtYbGg5al9pQjlzM1VKQ3hNOTJySkFyR2MwbkNwRkxfZEtZMFRlVWgxWmdlUy1YRmowdHpXN1BoSGVfVXhNdnhQbTJMZ18wZVltdmVVa0JJY3N3T0d4QdIBiwFBVV95cUxQOFAtUHJuWUtQdjJWNDhURzkwTUc2cTVHdThLRnZMSGlTMWNwRkV6ZXpGbkhIZ181dHBqY3NfbERhT2M3VmNLZ2dxR01vLTNqUDVmQXowSWtJQ3lMdnMzU1VvblBiV2VzMTFBcklUc082QjB3cHhmUjlrTTFYVmlLaDczRjZtbUlMWTQw?oc=5) · army.mil
- 2022-09-01 [Fort Hood bank receives distinguished service award - KWKT - FOX 44](https://news.google.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?oc=5) · KWKT - FOX 44
- 2023-05-06 [Central Texas kids flex entrepreneurial muscles at annual Fort Hood area ‘Lemonade Day’ - KWTX](https://news.google.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?oc=5) · KWTX
- 2016-11-01 [Apple adds First National Bank of Texas, 22 other US banks & credit unions to Apple Pay - AppleInsider](https://news.google.com/rss/articles/CBMixgFBVV95cUxOLXJpUWNEZHFWSm5qSWU4aWZEMVJZa0daLUppY3U3QXQ2WEd1al95N20ySFBHcU94ZXEydU10dVZBOWpxMlJyNkxCaWJ6ZDdwR1pNbnZpZ25tMGdJZV96ZmdyQkhVT0U2WnRRUldRZHF5RWEtSS1ONGt0VGMxRjhpOTkwREJHdU5SUmVoYzlMSHU5RVo4ZEh6LWtWeUMtaUp6R2x1dDRmTXhnLWNBdTVndXppajkySE44NTRCeVp0NjRoamEwRHc?oc=5) · AppleInsider
- 2026-01-12 [William Shine Obituary - Killeen, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMiggFBVV95cUxNbkVKYzhXVnRRbXlyekRNTzU2bmZQY0E1NFJvYWp1RW9pVXNSdWZSam92US03RWs5a3NjT0FIaWhCNHZkU2NDVFB6TFJsb0lSZXlDNXN2blBrb1lLZkhiVi1mLWI1UnpXeHdYTm1qc2p2M0NrZTBoZmZjZFBva3NnLWpB?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=19640 (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/56.json (key "19640", 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