# UVALDE NATIONAL BANK
UVALDE, TX · FDIC certificate 24465 · asset band <$300M · latest filing 2013-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 5 (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 | $25.9M | |
| Deposits | $21.5M | |
| Loans and leases | $11.8M | |
| Total equity | $4.3M | |
| Loans / deposits | 52.93% (p26 of band) | 66.54% |
| Liquid assets / assets | 46.96% (p69 of band) | |
| Uninsured deposits / deposits | 8.21% (p32 of band) | 11.77% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p19 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 14.39% (p88 of band) | 10.04% |
| Unrealized securities loss / equity | -1.62% (p2 of band) | 2.48% |
| AOCI / equity | -1.39% (p11 of band) | |
| ROA (annualized) | -0.69% (p5 of band) | 0.72% |
| Net interest margin | 3.98% (p72 of band) | 3.55% |
| Efficiency ratio | 118.70% (p96 of band) | |
| Noncurrent loans | 1.85% (p62 of band) | 1.19% |
| Net charge-offs (annualized) | 1.24% (p97 of band) | |
| Reserve coverage of noncurrent | 166.36% | |
| Real estate % of loans | 88% | |
| Construction % of loans | 7.21% (p35 of band) | |
| Auto loans | $662,000 (5.63% of loans; DQ 9.06%, NCO -0.06%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -15.9% | |
| Employees | 12 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **charge-offs p90** (`aq_nco`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## 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 | 5 | losing money, expense ratio p90, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2012-06 | 2 |  | losing money, assets shrinking, uninsured deposits leaving |
| 2012-09 | 3 | assets shrinking |  |
| 2012-12 | 3 |  |  |
| 2013-03 | 5 | losing money, charge-offs p90 |  |

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

- 2025-05-18 [Dorothy Elizabeth Turkett Obituary May 18, 2025 - Rushing-Estes-Knowles Mortuary](https://news.google.com/rss/articles/CBMickFVX3lxTE5CSGJIVzFqQVJSMk84Y0dETkdKZ01ENTBlcUY2WXlBQklFOVdsQ2VrRDN6RGlOdzFhdDIyUGRzS2YzMkV2aWlSVDRLRVRzNmV1WkkwQm5vOW50OF9EZkFBcW90cFNLZnMwMmttNGlVNndJdw?oc=5) · Rushing-Estes-Knowles Mortuary
- 2025-04-20 [Dennis Owen Robinson Obituary Apr 20, 2025 - Rushing-Estes-Knowles Mortuary](https://news.google.com/rss/articles/CBMiZEFVX3lxTFBVcmRpcFMzUlUzMzgyb05rdmh4TWFxVmJUQVZQNEJ1VjRRbXB1elJ6LXN0VjVidHA0aExLQ1FzN2NRaGVXR0FzVUVIVDJkbFlVYjZQTXg4U3poM2ozTGJtcTVIejE?oc=5) · Rushing-Estes-Knowles Mortuary
- 2023-11-25 [Sarah Buckner Obituary - Marble Falls, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPZExiR3ZaWmpodi1HbzhaWmxaNkR2ZFRiWFNULVd1LUkxeW1RSE9ZRkZlWFRoRVJzWVI5dDEwUE1GZ2xkbldQZzVmazZNRXVocnkzR3BDNEZJVWVlVXZkanRCVkw4bEZwdlY2UnFjRUYyM0hwcnZ5T0x3TXcwcVAzTGRoNHRVai1U?oc=5) · Dignity Memorial
- 2016-02-02 [Seguin’s First Commercial acquiring Jourdanton bank - San Antonio Express-News](https://news.google.com/rss/articles/CBMirgFBVV95cUxPc3hkaFRpSm9xMHlXTFlxS296Wnp5TkgwUy1PT3otNkFLUkcyQ2t6NWtoX2VuZ1J1azREZWQ3Qk5xRDB4bldOTGZtOTdqdHJ1QS1vN3RzZ2FVR29oZlJ0bGxxR2drcUZHeGJQWDR3VXpncktKcUREb1h6YVAtMTRrQmxyVkY5bVp2bnFjMmNyeDI0MDhnb25KSmpXaHhYc2Z2OXZfeE9RTnFYc0pSRXc?oc=5) · San Antonio Express-News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=24465 (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/17.json (key "24465", 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