# CROCKETT NATIONAL BANK
SAN ANTONIO, TX · FDIC certificate 24561 · asset band $300M-1B · latest filing 2022-09 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (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 | $568.0M | |
| Deposits | $469.0M | |
| Loans and leases | $426.7M | |
| Total equity | $94.7M | |
| Loans / deposits | 89.91% (p80 of band) | 72.27% |
| Liquid assets / assets | 23.91% (p33 of band) | |
| Uninsured deposits / deposits | 49.95% (p93 of band) | 27.64% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.31% (p31 of band) | |
| FHLB advances / assets | 0.31% | |
| Tier 1 leverage | 15.94% (p95 of band) | 9.98% |
| Unrealized securities loss / equity | -0.06% (p98 of band) | -28.34% |
| AOCI / equity | -0.06% (p95 of band) | |
| ROA (annualized) | 1.73% (p89 of band) | 1.08% |
| Net interest margin | 3.54% (p64 of band) | 3.33% |
| Efficiency ratio | 51.42% (p16 of band) | |
| Noncurrent loans | 0.14% (p39 of band) | 0.24% |
| Net charge-offs (annualized) | 0.03% (p80 of band) | |
| Reserve coverage of noncurrent | 817.07% | |
| Real estate % of loans | 98% | |
| Construction % of loans | 52.90% (p49 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -8.9% | |
| Employees | 61 | |

## Flags firing in the latest filing

- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 1 | capital falling |  |
| 2012-09 | 2 | loans exceed deposits |  |
| 2012-12 | 0 |  | capital falling, loans exceed deposits |
| 2013-03 | 2 | uninsured deposits >50%, run vulnerability |  |
| 2013-06 | 2 | loans exceed deposits, capital falling | uninsured deposits >50%, run vulnerability |
| 2013-09 | 1 |  | loans exceed deposits |
| 2013-12 | 0 |  | capital falling |
| 2014-03 | 0 |  |  |
| 2014-06 | 3 | loans exceed deposits, wholesale funding >15%, capital falling |  |
| 2014-09 | 2 | liquid assets <10% | wholesale funding >15%, capital falling |
| 2014-12 | 2 |  |  |
| 2015-03 | 1 |  | liquid assets <10% |
| 2015-06 | 3 | liquid assets <10%, capital falling |  |
| 2015-09 | 1 |  | liquid assets <10%, capital falling |
| 2015-12 | 2 | liquid assets <10% |  |
| 2016-03 | 1 |  | liquid assets <10% |
| 2016-06 | 2 | liquid assets <10% |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 4 | uninsured deposits >50%, run vulnerability |  |
| 2017-03 | 6 | capital falling, expense ratio p90, charge-offs p90 | liquid assets <10% |
| 2017-06 | 4 | liquid assets <10% | capital falling, expense ratio p90, charge-offs p90 |
| 2017-09 | 4 |  |  |
| 2017-12 | 4 | wholesale funding >15%, deposits shrinking | uninsured deposits >50%, run vulnerability |
| 2018-03 | 5 | uninsured deposits >50%, run vulnerability, expense ratio p90 | wholesale funding >15%, deposits shrinking |
| 2018-06 | 5 | wholesale funding >15% | expense ratio p90 |
| 2018-09 | 2 |  | uninsured deposits >50%, run vulnerability, wholesale funding >15% |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 | expense ratio p90 | liquid assets <10% |
| 2019-06 | 3 | wholesale funding >15%, liquid assets <10% | expense ratio p90 |
| 2019-09 | 2 |  | wholesale funding >15% |
| 2019-12 | 4 | wholesale funding >15%, deposits shrinking, uninsured deposits leaving | liquid assets <10% |
| 2020-03 | 3 |  | wholesale funding >15% |
| 2020-06 | 2 | wholesale funding >15% | deposits shrinking, uninsured deposits leaving |
| 2020-09 | 1 |  | wholesale funding >15% |
| 2020-12 | 4 | uninsured deposits >50%, wholesale funding >15%, run vulnerability |  |
| 2021-03 | 3 |  | run vulnerability |
| 2021-06 | 3 | capital falling | wholesale funding >15% |
| 2021-09 | 4 | wholesale funding >15% |  |
| 2021-12 | 2 | assets shrinking | loans exceed deposits, capital falling, wholesale funding >15% |
| 2022-03 | 2 |  |  |
| 2022-06 | 3 | deposits shrinking |  |
| 2022-09 | 2 |  | uninsured deposits >50% |

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

- 2022-12-02 [Pinnacle Bank’s acquisition of Crockett National Bank approved - Fort Worth Report](https://news.google.com/rss/articles/CBMiowFBVV95cUxQanRDanVld0o4UUJIU2pHUTdjbGpFc1pyS2paVzkyQTNMVF9yT0ZucFZfOC1URkpuTDQ4My1qdHozODFHbnhWa0VsMEJtV281dE9RazFRS1I1WWtJYVpHQ0VnRWtSTGFuWlp5Y29NMEwwSk8wMXkyVi1ud2VPWDVXNEpVUDNtQmhDZmdKanJuaXM0a0hqam14NXpDbkRXWGZnQmVj?oc=5) · Fort Worth Report
- 2022-12-01 [Pinnacle Bank Acquires Crockett National Bank - Fort Worth Inc.](https://news.google.com/rss/articles/CBMiggFBVV95cUxNeERJS1lqaF9HVldyN2RPREhIa0lqM3RTR3lNcWcwRWdnUk1LZ3AyaWtuWlppZHVQd1llTXJhR1k4aUFwVFdEY2tzT0JUN1FsaE9HeFZGVDlFc3A3d2g5R19yOUVxWHc4aTlXaVNBMnhQYkJZMXUyVjRFR1M3LTFRU3FR?oc=5) · Fort Worth Inc.
- 2022-07-01 [Pinnacle Bank acquires Crockett National Bank - gosanangelo.com](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNU0JiclF0QjNrOVJBc3FoSWdrWWplUlN4T1gtOVRsY2RxeTEwZFIxekdRN0Z3VmJ6ZXhmOHl4WW1DVV9qUkVlOUxNOEZOUTk0aXp6Z2NGSGhLQzZOdlpybGpibnJsdmhEMDQ3cGlzdl8yeFFJeER5MkFlZnRzNGVpQlhkSTBOSnhSS19TYXZCNWtLU01FU3FQVU43anYwRWs4ai1jaHhFdGc5SW8?oc=5) · gosanangelo.com
- 2022-07-06 [Pinnacle Bancorp acquires San Antonio-based Crockett National Bank - The Business Press](https://news.google.com/rss/articles/CBMitAFBVV95cUxObVN4UXBOenM2V1JWaHVobXVuQ3I5aWllTGV4RU02REJaZHo0eGFoMnNTeTJoR0JfY1dWUXQ2dk4wdTFHVjhUQVZEb0xOYnB2V2xfem5Oell1dTVraUF5V2RwN3NHM0NKNl9IVUJaTmFtMVhYeHl1TmU0NktfUFlfTHdtVlVPYUpES0ljczM0eFJrMFBZQkEwMFliZ1JHWWFVUGlLTFZSWVVJYzRsSGFJVWc5UDk?oc=5) · The Business Press
- 2022-07-01 [Pinnacle Bank Acquires San Antonio-Based Crockett National Bank - Fort Worth Inc.](https://news.google.com/rss/articles/CBMilgFBVV95cUxOclNDLUZWNWlrNXhJN2c2LVNTZmNDVExWVk85UzZCN3JBVW8xb0ZZbkFCenNzZGpheGIweFJKWERsS2R4eUxaVlRjNlpMMWFlbGhUR2hIZlhjaVM5M2ZqQXFRSDJiZmFLN0hiNHRSN0hsNnFqVGMxR1dqUDBEci1sYVVJUk1JZmNqQ3lFZ0JMQy1RME5GV1E?oc=5) · Fort Worth Inc.
- 2018-05-08 [San Antonio’s Vantage Bank poised for merger with McAllen’s Inter National Bank - mysanantonio.com](https://news.google.com/rss/articles/CBMirgFBVV95cUxNczdIdnZjemhmUWZDejJ6bFJKblpMV1N1bUNCYXEwRkZ5Yk43UnVHeWJQUlU4c0UwQk1UM1BLUC1yVVNXTDdNZVlVelRIRExMaTNnbnVEUUxKRkNSYmlGZkxTTjFQd0hFTzBzTGJuNFloaHpnTTlVNDFnM3duQV9XU3pFNldSSUdZYURVU05ycnZyZXpXZEpWeVpVNzlQSDdrNG1oZnVkdGFweWh4UWc?oc=5) · mysanantonio.com
- 2018-05-01 [Debra Long Obituary - Houston, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMifEFVX3lxTE83X01zNVI4WF9Yb3ZQTXBWd3B0QWJHem5EVGdRNkRyYzBpaEd6aTJvcDUyOC00RmVfVUZNNW4yNEktQS1RUUdrODZiejRaangwSXZrMUs5S0VkVGdWVEhOaTZ0OTF4Q1dvNlFLQWNmbFcxRi1pcEdfekdqUkc?oc=5) · Dignity Memorial
- 2008-11-23 [JOHN JONES Obituary (2008) - Ozona, TX - GoSanAngelo - Legacy obituary](https://news.google.com/rss/articles/CBMijgFBVV95cUxORVBhb0RCbmtDYmRjNnZscFUxTllkUEtRaHYtWGlQQnlSNTBobEhYMkJ0bmtlWjg0a2VNTU5GTk9uRTVYbkVQYjF5YUN5M3d4U3lDVS1ubnR6dFljM2dVM01IQWMxX1pCRXhQcmE4S2FnOUZaNDlvS0lWaFg4Nm5OUnhwZ3hvQlo5empsWFdR?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=24561 (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 "24561", 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