# LLANO NATIONAL BANK
LLANO, TX · FDIC certificate 24305 · asset band $300M-1B · 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 | $301.1M | |
| Deposits | $265.9M | |
| Loans and leases | $173.6M | |
| Total equity | $31.6M | |
| Loans / deposits | 64.04% (p17 of band) | 82.04% |
| Liquid assets / assets | 35.69% (p76 of band) | |
| Uninsured deposits / deposits | 26.11% (p51 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.66% (p31 of band) | |
| FHLB advances / assets | 0.66% | |
| Tier 1 leverage | 13.11% (p80 of band) | 10.81% |
| Unrealized securities loss / equity | -32.91% (p11 of band) | -8.10% |
| AOCI / equity | -0.10% (p66 of band) | |
| ROA (annualized) | 1.02% (p33 of band) | 1.28% |
| Net interest margin | 3.82% (p45 of band) | 3.91% |
| Efficiency ratio | 70.13% (p74 of band) | |
| Noncurrent loans | 0.45% (p51 of band) | 0.43% |
| Net charge-offs (annualized) | 0.11% (p85 of band) | |
| Reserve coverage of noncurrent | 429.38% | |
| Real estate % of loans | 91% | |
| Construction % of loans | 93.40% (p84 of band) | |
| Auto loans | $747,000 (0.43% of loans; DQ 0.00%, NCO -0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -0.9% | |
| Employees | 45 | |

## 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 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | capital falling |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 1 |  | capital falling |
| 2012-06 | 0 |  | reserve under noncurrent |
| 2012-09 | 1 | uninsured deposits leaving |  |
| 2012-12 | 0 |  | uninsured deposits leaving |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 1 | reserve under noncurrent |  |
| 2013-12 | 0 |  | reserve under noncurrent |
| 2014-03 | 0 |  |  |
| 2014-06 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2014-09 | 0 |  | charge-offs p90, reserve under noncurrent |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | capital falling |  |
| 2016-03 | 0 |  | capital falling |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | charge-offs p90 |  |
| 2017-06 | 0 |  | charge-offs p90 |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 | AOCI drag >20% of equity | capital falling |
| 2022-06 | 2 | securities losses >30% of equity |  |
| 2022-09 | 3 | construction >100% equity |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 2 |  | AOCI drag >20% of equity |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 1 |  | construction >100% equity |
| 2024-09 | 2 | deposits shrinking |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 | charge-offs p90 | deposits shrinking |
| 2025-06 | 1 |  | charge-offs p90 |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | charge-offs p90 |  |
| 2026-06 | 1 |  | charge-offs p90 |

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

- 2013-12-06 [OBITUARY: M.J. Wootan, 88, dies Dec. 5, 2013 - DailyTrib.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxNa1Y2a1BKLThlZE9SOHVZSFdSUEdtbnZMMFZPSXk3dTdIQ3hOanZYeFZHTnByX2hKeWpneUpxMS1TeXZFMVhDbl9wVHlmRlBTMFRUSWhQUVYxLTBQY0xoZnRFSlpEVmhuYko5cE12NkctNzRua1R4Y1haQzJlYmhzUHVn?oc=5) · DailyTrib.com
- 2025-08-04 [Verna Osbourn Obituary (2025) - Llano, TX - Harrell Funeral Home of Llano - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxNc09kaU9LbWpwR3F3WmE5c0dsZzJIcjNZQU1jV0lYMkFTRnFlTjlTdmw4T1NFRTJ3OTN5bTdYdUZsUXZOUUhZSDY5ZFFzZGY0NEVmVDExRFkzV3VuUnl5N2liczhwZjdBdkVwb0s2V0xnS200LUVjTU51cW5mdE9uRFBB?oc=5) · legacy.com
- 2015-07-13 [Highland Lakes community raises $10,000 for Roy Inks - DailyTrib.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxObHlHQ3lWcnpESlVQU2Z5OEFVUkZPWElxYUJJQ29XRlVQZENoc1R6Q3pYZXJYUDJndUphNzdIaWhhX1BEV2VybU0xNzJjWmpsb2NfYXlaQndJWDU5aDJvM3Fxc1Z1a2RBWEVQUUZWbndsWDNvRVFWVm1xTE9QUW5raTNRRWtFTmFxRGhLX0M0eFZVQQ?oc=5) · DailyTrib.com
- 2012-10-14 [Andrew H. Buttery - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxNc2VySy0xVkpLd2xCbVEwRTJsUnhxWVV4Zk0ycURENnFyV2M3TGJXTnpNcEZMTmVzN1JYb2hPUXNBZi1YN05kbnROS3BPWnF5R2pZVXJzaWxoX3FRX2x5STdrVE4yU0t6anVJejRPcU9wREpPVEZ5ZkwxMk9TTUVkTllSZGpDSm9WdVNPTzlCa3FMUQ?oc=5) · legacy.com
- 2015-02-12 [Johnny Bush celebrating 80th birthday at Llano Country Opry - DailyTrib.com](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNVTcxQkJDbkRId2hJWGRydXVyaERWbWpON0RYQ3BZdFIwd1ctRXRCcWh4d2VlSjdVbXltakFwY0ZSeFA2ckx0UEtQNUdRNXRwZTBLWmFEVzlLVlQ4WnhHOUQ1RV9NZ2taSExfRVIyUzluYmFrOWJ2VFRMNGFSeW5qa2tTT0VvQ2o3aEhNSktvbjd2emoxckFmVWNhamNaR3FzTU85YjMwNmNzY0E?oc=5) · DailyTrib.com
- 2008-10-02 [FREDERICK FOWLER Obituary (2008) - Llano, TX - GoSanAngelo - legacy.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxNa1kxRklVa1ZETnliTXd6SVdGRW1xUEJVNnRfcEhvVlJET2xwbXlzTkIySW9BdUNxVlBPVFpHblJuQXEzYVJtSnNFU2NRcG1pcENUcVFCeWVLQVE4X2ZoTzNNcDRJVnhqSklDT3hodll3MjNONU9Vam9kNGFLNG42QWxZZWdqU2t4SVNTLVh4SFM4SkViS0E?oc=5) · legacy.com
- 2020-04-01 [Wi-Fi hotspots for Llano ISD students and others needing internet access - DailyTrib.com](https://news.google.com/rss/articles/CBMirwFBVV95cUxQNXI2ZG9oU1FVYTVpNGNmeW1IQThMWlJrdWFjOXdlUHRJdWJLY3NNTlgwNnNIcVNBMDVzUUpTQ0FXakIyeVp6ck9IdmpuTXNfUC01SXZqR1lvcVV5X0ZwVTgybmhoelBzOEJxZ2ZiQWJGNG0wZWN2RXV2b1c5WnU3S1lUUnhLeDE4VVZUVzRqRlRxQkJHTEdDaGw2NWY4aldyd1gyRFAxajRneERQTmZz?oc=5) · DailyTrib.com
- 2011-12-28 [Rosemary Lynn Sinning - DailyTrib.com](https://news.google.com/rss/articles/CBMia0FVX3lxTE9ScDFzSzEzemdFRnZjTFpnUWlHeUVIc1laVmJ1a2lENHdwaUoyU0NKakxxOUhsb19BTlVIUkZDeHNNVkhrT19naUZvUkNxWmo3WnBPNFlzYnpMQ1RJRFc5SlJuOU5zbVRiZm5v?oc=5) · DailyTrib.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=24305 (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/49.json (key "24305", 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