# LOVELADY STATE BANK
LOVELADY, TX · FDIC certificate 21807 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. 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 | $52.5M | |
| Deposits | $44.9M | |
| Loans and leases | $23.6M | |
| Total equity | $6.6M | |
| Loans / deposits | 51.77% (p21 of band) | 73.59% |
| Liquid assets / assets | 51.06% (p79 of band) | |
| Uninsured deposits / deposits | 11.75% (p20 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.84% (p61 of band) | 11.76% |
| Unrealized securities loss / equity | -2.67% (p66 of band) | -6.57% |
| AOCI / equity | -0.23% (p58 of band) | |
| ROA (annualized) | 1.18% (p51 of band) | 1.17% |
| Net interest margin | 4.67% (p82 of band) | 3.93% |
| Efficiency ratio | 75.48% (p71 of band) | |
| Noncurrent loans | 1.42% (p78 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 100.60% | |
| Real estate % of loans | 50% | |
| Construction % of loans | 10.67% (p39 of band) | |
| Auto loans | $282,000 (1.20% of loans; DQ 93.62%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -5.9% | |
| Employees | 11 | |

## Flags firing in the latest filing

- **deposits shrinking** (`shrink_deposits`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

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

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

- 2017-12-05 [Houston County judge sentences Lovelady State Bank robber to 45 years in prison - KTRE](https://news.google.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?oc=5) · KTRE
- 2017-05-07 [Lovelady State Bank Robber Convicted - messenger-news.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxNSHdueHk3S3lmNW1TcDhJYy13dTluWHpWWFVhMTRHUklONTRUT1VXdThHWFV3LVVBZFpzZjlnd0xFMmlxclc1YjNmN2ZuU0pMYm5YZjBMZ05WcU5LQXQ5bU91NFlzSEZUdEJjVXJWNktGcGJHQ3JTVmVwU1ZhbW5IMQ?oc=5) · messenger-news.com
- 2017-06-08 [Houston county jury convicts 2nd of 4 suspects in Lovelady bank robbery - KTRE](https://news.google.com/rss/articles/CBMirAFBVV95cUxPT19TT2t1SzREcVdtRHRGYllzUzFoMHg1d2x2SGhWRzIwM3FhY2dPaTBIWWdqNkNLREJoRDU0YVFFYmxCbmNfekxIb2hMd2NJOTFBUDRIRERSN1c1WTlmeVNUdXBXMDF0Rk90bHdPOWFRak15VGRCY05pcW9qbmxjTHctQjdEbTN2MTk2M1k5QktBSnNIWnZ5el9rajJtRXpUNy1SZnNsSVFEY05W0gG_AUFVX3lxTE1oblNHRjBEc0stTUp0WG16RlBFVVhTRkdMRnNnVEt6WVYxeXBZYnU1SkFoazRwR3NMOHp4aml6UjZ0NmJ3UW0wRkZBVWN3a2x5Q1h5MS1rMEdaOHp0VTZZYjNYQlNIYjI5UGlCNDVLUTNkb0NWN1FGU2xYbFVYNjIyeWZLRnV4ODk4TTRGZks5ZDI0ZGlOdWtLcGJNNTVuOVUxWWhzbGxpWXNPWHp0RVprdXg0dmsyOGRFWkVKbENF?oc=5) · KTRE
- 2017-06-11 [LSB Robbery Getaway Driver Found Guilty - messenger-news.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxPYjA4eDktNHBpTFV1LTJLY2NhellWSUdqYjc2Yi1RX0g5MWVBWk53RGdLZUNkekF0UjhSNjlZR1o3SzNOMG5JeDhFT0owVkJsVW45QWpuenJHcjVVTjBzQzc2N3A2MDEwTG9udGt5WVpVa0Jkb0tuNzgwbTgxc1pnYjIwVWk?oc=5) · messenger-news.com
- 2015-12-18 [Crime Stoppers releases Lovelady bank robbery suspects' IDs - KTRE](https://news.google.com/rss/articles/CBMihAFBVV95cUxOZ0U2R2E0d1hiN3pyN3dqSlo4R2FqVGFzbWMyODFJZ1JCYjN6YWV5U3otZ2tfNFpLX25iOHRiNGxQbW11bnAtUDR4eWowZGJ5VjR3WDVlaVZ0S1ZzQTNPaC1EVnFxY3Q3NVVkQTBfUlI2Q3dwWS1wQlRKNWJDM1UtbTVoRzXSAZcBQVVfeXFMT1NaY0lOcEhDQS15WERCNlNYWkNjeVotdldoSE9VNTc0Q2tfMmxQRTI2MVJYdERRY0NobFdQNnNsQUd1Wkx6NmVJT196Z1RkeWVmOGx1Wm1nTTNkd1ZyMk82QkJOSldfNTNNRkllWlpfYzUwWkZfdEdmdW5YYzdHQ1lTSEtJNXktOFliNE5JZGN6TmEwalpwbw?oc=5) · KTRE
- 2017-12-06 [Lovelady Bank Robber Sentenced - messenger-news.com](https://news.google.com/rss/articles/CBMieEFVX3lxTFBmdW10SUVpbUFVZWxaWUw4TUZZRkZHMnFOMzhkUmFCUVlyNE9QM0R4aUVqQ1NaQy1KVnVaR29RZlEzbkF5M0o4M01aNG9tRmlxQUNTcW50UGFfQ3JNZ1hod2hrQUhCWHYwRjViT1R5VXMzcDhIY0pYRA?oc=5) · messenger-news.com
- 2016-01-05 [Lovelady bank robbery suspect out of hospital, in jail - KTRE](https://news.google.com/rss/articles/CBMilAFBVV95cUxQNFYyYnp2WlR4MFhRQ05uWkZxNnlhLVU2WV9NeVB1VVdUOHBveFpobEtiOEx0c2xoT2s4SmVxTUgwdXVjcDV3aVNJTi1ZNXpGV1NsVEJVU0dZY3VEeVF4cUtwOVlZQ09pN29PUEc0MXdtejAxNUpEQ1JuMXRPVEZGYmpFd1MzcXI2NkkwV2NaUnl1dUNB0gGnAUFVX3lxTFBTS1QyZnhJVmE1aEtUbmJIY2d5SEZxbU5aVm1FMGVYeHExeUhheXBzRzFpbkRwWHFJUmFkcGxnb24yZ3dFcmpvWVZyeGRHSFdfWHNINHc1WDVSRDN4dl9PbUhXeEpYQmZTbGhrMkx6aTIxUzZ2cC14Y3JiN2s1emFXQ2c2V2dqS1ZyVG9MZEdVREwwcE1Zc3NMT25HNnFodFJXcDZkN0lz?oc=5) · KTRE
- 2024-10-19 [Benefit and Dance Planned for Donnie Hamrick - messenger-news.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNb2c1dUZaOXI0OTcyU3JoeTZXMk4zckhHQWlUcTV5ZzVuQ093ZWRFenB0ZVZfdnFVbGxMMEtVcXc0dTdDem4tTkY0V0RHb3dCVlJ0eXpJUk1vdkNrNC1IMmdNTXpiWDhqampEZWx6ZUlYRHc5eXhjWjJ1MXZPTHNMb3gwcUdrQmxlVFdn?oc=5) · messenger-news.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=21807 (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/47.json (key "21807", 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