# FIRST STATE BANK IN TUSCOLA
TUSCOLA, TX · FDIC certificate 19641 · asset band <$300M · latest filing 2013-12 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (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 | $22.3M | |
| Deposits | $20.1M | |
| Loans and leases | $7.3M | |
| Total equity | $2.0M | |
| Loans / deposits | 35.55% (p8 of band) | 69.26% |
| Liquid assets / assets | 66.92% (p93 of band) | |
| Uninsured deposits / deposits | 10.50% (p41 of band) | 12.49% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.65% (p19 of band) | 10.29% |
| Unrealized securities loss / equity | 7.54% (p99 of band) | -1.01% |
| AOCI / equity | -1.74% (p64 of band) | |
| ROA (annualized) | -0.02% (p10 of band) | 0.76% |
| Net interest margin | 2.96% (p18 of band) | 3.63% |
| Efficiency ratio | 103.01% (p93 of band) | |
| Noncurrent loans | 0.00% (p6 of band) | 0.94% |
| Net charge-offs (annualized) | 0.03% (p39 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 58% | |
| Construction % of loans | 5.90% (p30 of band) | |
| Auto loans | $1.2M (16.99% of loans; DQ 4.95%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -2.0% | |
| Employees | 5 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 | uninsured deposits leaving | capital falling |
| 2012-06 | 0 |  | uninsured deposits leaving |
| 2012-09 | 2 | capital falling, auto book souring |  |
| 2012-12 | 0 |  | capital falling, auto book souring |
| 2013-03 | 1 | uninsured deposits leaving |  |
| 2013-06 | 3 | deposits shrinking, assets shrinking |  |
| 2013-09 | 2 |  | uninsured deposits leaving |
| 2013-12 | 3 | capital falling, losing money, expense ratio p90 | deposits shrinking, assets shrinking |

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

- 2026-07-03 [Doug Ford Obituary - Abilene Reporter-News](https://news.google.com/rss/articles/CBMiYEFVX3lxTE5IQkQzbnE3ODBnQXZrNE5LYzJ3Rnh3dFdUTzZZSElqOW52YWUxa0RTWTRFX3otYm5TM294dERuMm9pT0xMc0xfdlFHZHNzaUF5aWlOaVc5ZENFWXBnc1h6Rw?oc=5) · Abilene Reporter-News
- 2022-11-26 [Randal Gene Langston Obituary Nov 26, 2022 - The Hamil Family Funeral Home](https://news.google.com/rss/articles/CBMic0FVX3lxTE1BdVd5RDFPUUNrazh2Y3lsS1VKMW1wSVhTVFRoQ092elpncmZwTTF2dmdjM1NYOVE4ckd1TDBCRE13dUNIbWhEZlFORDQ4a3ZIbjktSHhXb096NlpDd0ljYVRRTjhNaTZWSGV5ZDYtVUhQTE0?oc=5) · The Hamil Family Funeral Home

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=19641 (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/57.json (key "19641", 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