# WOOD COUNTY NATIONAL BANK
QUITMAN, TX · FDIC certificate 23739 · asset band <$300M · latest filing 2011-12 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $64.2M | |
| Deposits | $55.9M | |
| Loans and leases | $39.9M | |
| Total equity | $8.0M | |
| Loans / deposits | 70.05% (p49 of band) | 70.28% |
| Liquid assets / assets | 28.09% (p36 of band) | |
| Uninsured deposits / deposits | 3.04% (p17 of band) | 8.25% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p16 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.93% (p50 of band) | 9.92% |
| Unrealized securities loss / equity | 2.68% (p46 of band) | 3.23% |
| AOCI / equity | 0.80% (p43 of band) | |
| ROA (annualized) | 0.06% (p19 of band) | 0.69% |
| Net interest margin | 4.58% (p86 of band) | 3.86% |
| Efficiency ratio | 86.37% (p76 of band) | |
| Noncurrent loans | 0.86% (p38 of band) | 1.38% |
| Net charge-offs (annualized) | 0.31% (p65 of band) | |
| Reserve coverage of noncurrent | 211.37% | |
| Real estate % of loans | 76% | |
| Construction % of loans | 51.29% (p79 of band) | |
| Auto loans | $3.3M (8.25% of loans; DQ 8.69%, NCO 0.15%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | – | |
| Employees | 15 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |

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

- 2019-02-20 [East Texas couple loses baby in tragic wreck on the way to give birth - KPLC 7 News](https://news.google.com/rss/articles/CBMilgFBVV95cUxNQUZHSU1zdEFYaXBmNUhRN19RVkd0cGhQNDJJVHNiOXJqeXFCNEtzOGhja2ZvVnRqa0hKek9kUFltM196a3RBVzlmdzhMbHMzZFdEWmxfTTU1NEdoTFBWNDdpNGxNRWZyVjdRMS1oSWtSQUlHcllEOGtGbkFqYWJXaTJKXzBOVVFEQzdkbmZiNm5oNFNXMlHSAaoBQVVfeXFMTUhkaklUc2l2bkJxcGozWGdLZXdLX29SbE9PdHA3ZUtGbkNhY1A1Zk9sSm42UkdlNWZsNVpFOG5zMGhydHlWcWxGQjZGcnFUTGliekF6VERxd0ZJdjBXS1U5ZU5lYUtOZkpGSC1XQ05Lb0wzRzY1R1dtSGRpRm1RMXBSLUdnTnNSLUdqYkt2Y0tiOU9XWllESVYwWFNsMkJ0am5Yd2Z2Qm9JREE?oc=5) · KPLC 7 News
- 2015-08-27 [Rains County authorities looking for failed ATM thieves - KLTV.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxQeEMxRE1sMjVSMmcySHlOTnNfbDVRQVVVcDhwUGJqY1pES25feVA3a2otdWUwUWgyVkFiWmZhblZlbEpFUkpRTVo0WVFuZXBERktRUDZMNGFkVTFLaGJ4RVJQX3FDTzJRMXpKZzZPSzJraFkwcjU5R2pyc2JXOEVNOEVoTWZ6RzFzOEwyaTZHTmV6T2l4bFZJ0gGqAUFVX3lxTE5tMmlESkhUM1pzRkZEb3J3cE1jTTVENmRJa3owaXBxNTBCLU9BcVVtLVBuWFZ6NEhKNURtMGw0dURGbHAtczc3eGhKZjZBVU0yT0hLdVN5a051Z1RTaUNEZlI0VzRrR2ZJZmV2YTRHT3JJMWEyT1N4Tk11bWFOQ2FhTVViOTFEekxlQTNRYWFTR3hOOGpSYkl0RFBpclNNUmR6R0ZfTHBpNlB3?oc=5) · KLTV.com
- 2024-12-23 [Betty M. Tuxhorn - Daily Tribune Media](https://news.google.com/rss/articles/CBMibkFVX3lxTFBrVEJxMnZRZ0o2aGV5bDJHSzNxTnJyUjB4T25KdWlySjA3eDZrWjRVLThMaHM5cnZfR2VxMktGaGg0ZFpzM1VlSEpsekkzN1pGZmJKVWp3azdMbm9nQzNucDZlaGZQajdJaGNzM0Vn?oc=5) · Daily Tribune Media

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=23739 (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/59.json (key "23739", 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