# LUBBOCK NATIONAL BANK
LUBBOCK, TX · FDIC certificate 22752 · asset band $1-10B · latest filing 2018-12 · stopped filing (departed)

**Verdict on the desk:** this could be *fortress*. 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 | $1.08B | |
| Deposits | $922.3M | |
| Loans and leases | $672.1M | |
| Total equity | $105.7M | |
| Loans / deposits | 72.00% (p16 of band) | 90.82% |
| Liquid assets / assets | 34.61% (p85 of band) | |
| Uninsured deposits / deposits | 41.27% (p80 of band) | 26.64% |
| Brokered deposits | 7.89% | |
| Wholesale funding | 12.04% (p65 of band) | |
| FHLB advances / assets | 3.60% | |
| Tier 1 leverage | 10.35% (p53 of band) | 10.20% |
| Unrealized securities loss / equity | -8.92% (p4 of band) | -1.95% |
| AOCI / equity | -4.40% (p3 of band) | |
| ROA (annualized) | 1.18% (p48 of band) | 1.20% |
| Net interest margin | 3.64% (p48 of band) | 3.66% |
| Efficiency ratio | 60.93% (p49 of band) | |
| Noncurrent loans | 0.32% (p32 of band) | 0.47% |
| Net charge-offs (annualized) | 0.05% (p62 of band) | |
| Reserve coverage of noncurrent | 376.34% | |
| Real estate % of loans | 68% | |
| Construction % of loans | 110.74% (p95 of band) | |
| Auto loans | $53.8M (8.00% of loans; DQ 1.24%, NCO 0.03%) | |
| Loans to nondepository financials | $0 (0% of equity) (p37 of band) | |
| Deposits YoY | 9.9% | |
| Employees | 165 | |

## Flags firing in the latest filing

- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 1 |  | construction >100% equity |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 0 |  | reserve under noncurrent |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | construction >100% equity |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 2 | charge-offs p90 |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 2 | reserve under noncurrent | charge-offs p90 |
| 2015-12 | 1 |  | reserve under noncurrent |
| 2016-03 | 2 | reserve under noncurrent |  |
| 2016-06 | 2 | charge-offs p90 | construction >100% equity |
| 2016-09 | 3 | capital falling |  |
| 2016-12 | 1 |  | charge-offs p90, capital falling |
| 2017-03 | 1 | construction >100% equity | reserve under noncurrent |
| 2017-06 | 4 | capital falling, noncurrent p90, reserve under noncurrent |  |
| 2017-09 | 2 |  | construction >100% equity, capital falling |
| 2017-12 | 1 | charge-offs p90 | noncurrent p90, reserve under noncurrent |
| 2018-03 | 0 |  | charge-offs p90 |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | construction >100% equity |  |
| 2018-12 | 1 |  |  |

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

- 2025-10-06 [Lubbock National Bank defers loan payments, waives fees to customers impacted by government shutdown - KCBD](https://news.google.com/rss/articles/CBMiyAFBVV95cUxNc0l6SlNYUE13ckJ0TXJKS1Vuc2ZtZENnSHU1Z0Rqc3VvSHA5ZjRqaFFvTzZHeWJjOUtzQ0N2T3NtcEJuWVMtOGN0UndoOXdvREFBOS1vVlRMS2tUU1drM1R6UUJTWnJKeDZlV1NEaGpHLXFYODd2cGdFbWdzc09VejEwcUdZbkVpMXBmSld0STBJdjFneEdhYk9rTGpXaUxWbW81b0QyMlNxLW9TWkJidXp3amNpbFpHb1FGb1ZuSldOSXk2WHNEd9IB3AFBVV95cUxOOWNMcVF5RS1RU3otNmtzX3E2NmZZR1NTZ3BPTS1aZFRwTzJJa3AtejFNOW53a3dWRkN3QlF1VHN4UFBReWNwSzhrMjhjbDZnUDB4TmNQYXM0WUFERVZBVHFBaFV1UndFbFRlQ1ZTUy1xU3l2bENPV3hNZldrMlBvcWdDZk5yRUxpT2RsLXZ5bG9reVR5Zk5iZWhOM0U1ZDRJR0c1dHZrQk41Zkxkakd0SUJkdnFWM2JlZld3MDF6UGJ1UEJ2VG5Ud19NblRuMFdHU0JXRERkQWdMYTRs?oc=5) · KCBD
- 2026-04-24 [Sherry Byers Obituary - Lubbock, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMigAFBVV95cUxOMkgtUEotaWpVWEJSY2FGOE53bkZ6NlZhb09fc0Nhak9qVlVHUHhubVBMcVlRZGVIYXFiUGxwdWkxTjl5aUlLNE5HaUlqZTU1YXE3UXdCdDVobmRjXzZnWnN3azAtVHNrRTRHQ2hIZnR0dElUQ052Zkp0S0RweHhXTw?oc=5) · Dignity Memorial
- 2021-05-11 [The 1970 Lubbock Tornado Memorial at Lubbock National Bank Park - National Weather Service (.gov)](https://news.google.com/rss/articles/CBMiX0FVX3lxTE56OFRHX0wzVXpVUm1pdE1ZN3RhVDJSWV9wRmFLemJTeUVqdmpTWHdSMjRla0lTTFF0bG5sTl83QmlRQ29SVExUcUNOTnlCV3U1dGZtNjY2UjI2RDYwZXNz?oc=5) · National Weather Service (.gov)
- 2018-11-13 [Amarillo National bulks up with Lubbock National purchase - American Banker](https://news.google.com/rss/articles/CBMimAFBVV95cUxNRE9lbmtvNHRwcl9hN0RqZkgwM3RrWGlRNk9DUGg5TGd6Wk9OaW9WUzY4RDJHMlhBM2lOUW4wYVNnVFJ0Ump2Mm12N1ZnaWdrWEdvMzZkdDdUYnFla3QwcjBXREU4YkljWXQ1QmM5Y2lEVWdRNjhPS1o0WkJOMms2WnU0T0R1dWM1T1hqaUpXcGV5c0prQ2RYNg?oc=5) · American Banker
- 2025-11-17 [Attorney, banking leader Roger Key remembered for legacy in Lubbock, Texas Tech - Lubbock Avalanche-Journal](https://news.google.com/rss/articles/CBMizAFBVV95cUxPRjVhNERvQ2Vqa09GMG5RdkNjT0VGTGlWbVVGcEZJQVBqbWVDcGl0YUNIQ2REaGRXTnJCbFF1WWctbWVFTTNZaU11VDFqNG55ZXhLUENhRk1Yd0hLUVJhYm5VYW45S1lrWGFQbTZWcjVicHp0SkU0eGdMNGhsUEFhNmY0bHF1YlhsUnJhaGZBOW1yc2JDNjU5X2loT0NrUC01alE1eVJKMnJOUGJON3FSTUNWM2w0RHJFYUR2LTIyQmZwR3BROG44NmFoV1k?oc=5) · Lubbock Avalanche-Journal
- 2018-11-05 [Amarillo National Bank to buy Lubbock National Bank - KFDA | NewsChannel 10 | Amarillo Texas](https://news.google.com/rss/articles/CBMilAFBVV95cUxQWEpXaThkQ0lmZXRFYWlDSXo0S0FmYTdHTkdUSGlGLUVlLXpPZDhoaElNcm1SOGZlQkZOWlR3d1dkbW1rNEVDZmpCWEFjTFpZM09PZU5WSDhuM3JBejY0YzNfQjRYc1FnN2c5bWNfSGNJZUN5LWM3blQyWDFpd2NMRGFDZlBxZWVMZ2lCeDVOTkVKS2FR0gGoAUFVX3lxTE5DZ3pKM0hnSXhHWklQU0E4OG4tMnYwdDVWLThISmRubmRJZ2VnMXpMSnRLYTlzNUZsbGhBMG0yeTRVam5KaDdOVnZzMk5SbDNMMzNjOU5NSlBzMThuR0Vid1NQbnVIRkgwZXMzWE5RdXp3TlpFeDl6dURFRDJEdkFnZWVoaG1ueVRjdDJJWEt2ZjljX0FydW5IQUozTW5FZkdNazRxOUg2VA?oc=5) · KFDA | NewsChannel 10 | Amarillo Texas
- 2019-03-05 [Amarillo National Bank announces acquisition of Lubbock National Bank - abc7amarillo.com](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOc1pXMlRYdVFjemZsODFIRGk1cWxfdVRmei1UX2Q3TDk2WnRUU3g1ZHZydmdYWnU2bU5BN0xhNUs4cDNqQmlZMVBhby1HM0xwZEtOMjhNRXk2WXNQc3hHeEpHYnZwNFBqV0VmUkxtTFh5bDNHLXJMUDNFZ1JmQ1JFQU5HbjhHajZQcFJ0MU93TmhqczZqZGFEQW1IZldTaFFUUlNRYV9IOVc?oc=5) · abc7amarillo.com
- 2018-06-29 [U.S. Department of Labor Reaches Agreement to Restore $5.45 Million to Texas-Based Employee Stock Ownership Plan - U.S. Department of Labor (.gov)](https://news.google.com/rss/articles/CBMiZkFVX3lxTE42TTZ3VkJhNFMtZV9pbWRXd1FTRERScTB4WXBvd0w4amhIaUhnNFVVQlplUHFzcWZGZTJiaVpTWTZlOGlzNGhoaTJWakp0alYteGZVUWZqVnN5N19sQm90ekQtd1Q4UQ?oc=5) · U.S. Department of Labor (.gov)

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=22752 (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/32.json (key "22752", 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