# ANAHUAC NATIONAL BANK
ANAHUAC, TX · FDIC certificate 22381 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. 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 | $266.4M | |
| Deposits | $255.1M | |
| Loans and leases | $85.3M | |
| Total equity | $10.5M | |
| Loans / deposits | 32.52% (p8 of band) | 73.59% |
| Liquid assets / assets | 63.37% (p90 of band) | |
| Uninsured deposits / deposits | 46.30% (p95 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.08% (p26 of band) | 11.76% |
| Unrealized securities loss / equity | -162.70% (p0 of band) | -6.57% |
| AOCI / equity | -5.70% (p1 of band) | |
| ROA (annualized) | 0.96% (p38 of band) | 1.17% |
| Net interest margin | 3.64% (p35 of band) | 3.93% |
| Efficiency ratio | 72.90% (p66 of band) | |
| Noncurrent loans | 0.37% (p51 of band) | 0.36% |
| Net charge-offs (annualized) | 0.02% (p72 of band) | |
| Reserve coverage of noncurrent | 765.06% | |
| Real estate % of loans | 69% | |
| Construction % of loans | 25.80% (p60 of band) | |
| Auto loans | $1.1M (1.24% of loans; DQ 5.39%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -0.4% | |
| Employees | 36 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)

## 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 | uninsured deposits leaving |  |
| 2012-06 | 0 |  | uninsured deposits leaving |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2016-12 | 1 |  | deposits shrinking |
| 2017-03 | 0 |  | uninsured deposits leaving |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | charge-offs p90 |  |
| 2018-06 | 0 |  | charge-offs p90 |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | capital falling |  |
| 2019-06 | 0 |  | capital falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | capital falling |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 0 |  | capital falling |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | uninsured deposits >50% |  |
| 2021-09 | 0 |  | uninsured deposits >50% |
| 2021-12 | 1 | uninsured deposits >50% |  |
| 2022-03 | 4 | capital falling, AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-06 | 4 | construction >100% equity | capital falling |
| 2022-09 | 3 |  | uninsured deposits >50% |
| 2022-12 | 3 |  |  |
| 2023-03 | 3 | uninsured deposits >50% | AOCI drag >20% of equity |
| 2023-06 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving | uninsured deposits >50% |
| 2023-09 | 6 | AOCI drag >20% of equity |  |
| 2023-12 | 4 |  | construction >100% equity, AOCI drag >20% of equity |
| 2024-03 | 5 | uninsured deposits >50%, construction >100% equity | uninsured deposits leaving |
| 2024-06 | 6 | noncurrent p90, uninsured deposits leaving | uninsured deposits >50% |
| 2024-09 | 2 |  | assets shrinking, construction >100% equity, noncurrent p90, uninsured deposits leaving |
| 2024-12 | 4 | AOCI drag >20% of equity, construction >100% equity, assets shrinking | deposits shrinking |
| 2025-03 | 4 | uninsured deposits >50%, capital falling | AOCI drag >20% of equity, assets shrinking |
| 2025-06 | 2 |  | uninsured deposits >50%, capital falling |
| 2025-09 | 1 |  | construction >100% equity |
| 2025-12 | 1 |  |  |
| 2026-03 | 3 | uninsured deposits >50%, capital falling |  |
| 2026-06 | 1 |  | uninsured deposits >50%, capital falling |

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

- 2026-03-27 [Obituary information for Trevor Lee Chesson - Broussard's Mortuary](https://news.google.com/rss/articles/CBMif0FVX3lxTE9kRHNkMjRCLUNnNWJKWkZyT1RXQmpGSThyMWRtT1ZFSHJiLW5PU3Vrc1VER25hS0docmtkN2hKMWNjRFNCZG5qRkFWRkZxV3JTcWRud3EtXzdBdE91TFpwMVhza3lxQU81NHREcWRpeUh6S3hiRzVFWjhTVUYxZjA?oc=5) · Broussard's Mortuary
- 2023-05-05 [Governor Appoints Five Trinity River Authority Board Members - Dallas Innovates](https://news.google.com/rss/articles/CBMikwFBVV95cUxOX0hidHdZa0tGTTlLZURNYXpsRlh1WHBMOVo2Y29UMVVhdWlPcmdRRmcxVnU4YTQweDdBc3hzUmhWbjJRWDBiRUFJQWZMOUN5VFI5TE1rRWRISk5nU2ZMTVNCb0FqaGZJbVgzMlRHQVVWY2FIeDlZUlZlYW1LWVNueGRUOTFURjJTNlB3SjZvLXNjS2s?oc=5) · Dallas Innovates
- 2022-11-01 [Victim of Monday night crash in Dayton was Hardin Bank leader - bluebonnetnews.com](https://news.google.com/rss/articles/CBMiogFBVV95cUxQYUpUcmM2NGtmTWkxWEJYMWNPUExGSS1feDNBc1lvWngycHFUeWkyTXFVNVdSTzBLdjdUSnNoUWtxamN3dU54NDNhU1pzbUQtWEJpRHdvSVdua2NrY2ZTa0tqSDNPVDdPZnBoSlMxSHJQUk80QVl5bi11N1k1ZndRMjIzNE5XNGJIZWJvUGo5MWFrX1FWc0ZQRlpCUl9zS2tqTnc?oc=5) · bluebonnetnews.com
- 2022-07-25 [Everett Williams Obituary - Baytown, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMihgFBVV95cUxNM0ZSNzlZQVFUTE0xU3ZSNl9pZVA2OGRhc2IxdldoYkYxYjhVSV9LV3EweF9ha0ZYTjF2eTU0azAzMU05cnNpQ0pUNWcwR0lKalhERUw4ZS1HTmxxakZnbUxFY0xWRE5CMmNzZVd4Z01sQzZrWVJFc3dzUXg2dWVqeUxTOGNvZw?oc=5) · Dignity Memorial
- 2017-11-27 [Community comes together to grieve 10-year-old killed in ATV crash - kfdm.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxQSmVySEtTelB0djlWSGRpOXJjUkkxUXdseGRJcmJIVEtqZUthRjRNSDZ1R1pyZlRxTUR5NVhuR2MyQzVvekNJaThVR2tJbll6dnB6NzNoQmNuMjJ2QTZRcnBDekdiNHlGQzg5bHM1WU8teUh0V2NCRmU5LTZmQjRMT3l1bVc3R3piSWV3VQ?oc=5) · kfdm.com
- 2018-10-02 [Here are all of the banks that currently support Apple Pay - iMore](https://news.google.com/rss/articles/CBMid0FVX3lxTE9ZY3JkQUdrNTNjWmMzVFk2QXBlWExaRnI3bjVsQ28wVlFRWUc5TEVWMm5TWkZ6RmtKTTNZRUhKbExyS25yb2pnRTc5VklBeW13Mzk0aU9MWVNGbHpiMDJUM1pfOVFvdFhCdGpNLUJQVG9ybXYzNlc4?oc=5) · iMore
- 2010-04-18 [RALPH DOUGLAS LEGGETT - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxNbDNiOFc5cVI5eHllcGNWOVBhZFowNTZ2ajRFa09oeXZreFBoTFRnYlNoOXE0R215UEtrUzBUUFh6aDBFS1huVzliaExqaWtTcDBqQXhPY24zOTNqZDZOM3ZqZGZCWWk4QXQwTF8xT0NhSFBNTFpYSXR4Yk9xRm5oalJ1NmZjYnQ3NjNYVWs1eko?oc=5) · legacy.com
- 2017-11-29 [Funeral announced for Hamshire boy killed in ATV accident - Beaumont Enterprise](https://news.google.com/rss/articles/CBMirgFBVV95cUxQeUdkanhObGtqbGJHX1BwV1NHMFNBbnl0SV9UN2RvdTZESExORVZsd1dsTjJqN1BOdEo2OUJ3SS13cjRQbEpCRVdWVjZXUDQyX1RWSGp3TEhOZFhVNUE3TzhaZlFqaUw0YTh1SmFaLUJrVktrRlplVzN4aDd2S20yY0g4ekIzSlRkUkZYakxKZld4N3lDV2JTbWJ0a2VMYzZzYV9ta09ybzNrZlNsclE?oc=5) · Beaumont Enterprise

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=22381 (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/45.json (key "22381", 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