# PANOLA NATIONAL BANK
CARTHAGE, TX · FDIC certificate 24763 · asset band <$300M · latest filing 2021-06 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $133.5M | |
| Deposits | $118.7M | |
| Loans and leases | $42.0M | |
| Total equity | $14.8M | |
| Loans / deposits | 35.42% (p11 of band) | 64.15% |
| Liquid assets / assets | 63.77% (p87 of band) | |
| Uninsured deposits / deposits | 17.32% (p45 of band) | 18.57% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p24 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.11% (p45 of band) | 10.40% |
| Unrealized securities loss / equity | -0.98% (p10 of band) | 0.89% |
| AOCI / equity | -0.98% (p47 of band) | |
| ROA (annualized) | 0.10% (p8 of band) | 1.04% |
| Net interest margin | 0.55% (p2 of band) | 3.30% |
| Efficiency ratio | 84.60% (p83 of band) | |
| Noncurrent loans | 0.61% (p62 of band) | 0.35% |
| Net charge-offs (annualized) | 0.00% (p50 of band) | |
| Reserve coverage of noncurrent | 0.00% | |
| Real estate % of loans | 78% | |
| Construction % of loans | 3.61% (p29 of band) | |
| Auto loans | $1.9M (4.53% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 9.2% | |
| Employees | 21 | |

## Flags firing in the latest filing

- **NIM <2.5%** (`earn_nim`)
- **reserve under noncurrent** (`aq_reserve`)

## 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 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 1 | capital falling |  |
| 2013-12 | 0 |  | capital falling |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | capital falling |  |
| 2014-12 | 0 |  | capital falling |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | capital falling |  |
| 2015-12 | 0 |  | capital falling |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | deposits shrinking |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | assets shrinking |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 0 |  | deposits shrinking, assets shrinking |
| 2017-09 | 1 | capital falling |  |
| 2017-12 | 0 |  | capital falling |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | capital falling |  |
| 2018-12 | 0 |  | capital falling |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | deposits shrinking |  |
| 2019-09 | 1 | capital falling | deposits shrinking |
| 2019-12 | 0 |  | capital falling |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 3 | expense ratio p90, NIM <2.5%, charge-offs p90 | capital falling |
| 2021-06 | 2 | reserve under noncurrent | expense ratio p90, charge-offs p90 |

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

- 2026-01-20 [Warren Thomas Biggs Obituary Jan 9, 2024 - Jimerson - Lipsey Funeral Home](https://news.google.com/rss/articles/CBMiZkFVX3lxTFBXU3d2Nl9zemtIeklVTlJsOEZQYldONnhocEVwVTNDZ2d3TllFc3VzcVpWSXoyM1pHeHgtaW1aeHdGcHpZYlpHSU1La25xVlppVDJfR211ZHR2dkl1cy11VkgtM000UQ?oc=5) · Jimerson - Lipsey Funeral Home
- 2012-10-15 [Funeral arrangements set for four killed in WY plane crash - KSLA](https://news.google.com/rss/articles/CBMimwFBVV95cUxNcTNYTWpPdmotZnl0WGdvUHQtTWJhUGtWcng0c0J6aVFfdkNpM3psalItZXZhOHZEOFdCZjRzYnFuS3ZhX3JmOFBlWTZxdWxuai1yejR5cG1scFJzZzFrRzFYUkpuY2NkcW9wLXRRcXg0NEpxbENoLU84ZVFhLU94VEdlcS1odXAzbEJQTEFEd1NhdWtqUS1zUG8wUdIBrgFBVV95cUxNd3A1cVVPTVUwM1ZtcGtUaHlicHA0d3NOSVJacDVlZDZvMi1OekJpekdiNlBSeDlxY0pUYXFnS0dkRzBxN3laMDJCYUxFNU5ET0xJZy1XeVJnZlhvWDFXSU1GWHVNakpQYTJXYzJPTzN5VDY4MGUtLUpmdmhjTldzRGtMOG9xRXgwek14cDdYYkFRbzBsMldlazFOOFlLamFaMFFxa1JvQlNJdGFnMHc?oc=5) · KSLA
- 2011-11-17 [Rita Coolidge Brings Sounds of the Season to Marshall in 25th Wonderland Of Lights - PR Newswire](https://news.google.com/rss/articles/CBMi1AFBVV95cUxPaVpkZjJlZDUya05vbFRHbDFVUm1PbVFZYjZSa0pGQmROMVFQMXJKVmdIV2tyUk4tLUNlWURIVWNNTmxBVVdKVzd0YlpEUUIyMW9ieHh3YkFHWk9JeW1QSTVWUnJSS0RuZGFBN3RGT05hcmxjU2JQZ0ZBXzhqYlpJaDQtdlE1NE04VmNZMXFSVHF2MmFFMTJFR0JNY28tMlFfeTZGWnVkZklJbk9QUW5tWWZpN3FGTDhLZXZWZjNiVWFkNF9ETTlKb3Nfc1NWWUFvOEs1SQ?oc=5) · PR Newswire
- 2020-04-04 [Bev Brown Obituary Apr 4, 2020 - Jimerson - Lipsey Funeral Home](https://news.google.com/rss/articles/CBMiYkFVX3lxTE1UeDZ5czNVNkhhanpYOFB4TDdhY2hCNUo4eHhfQl90aHdJWDNJaFNTZTlNOXJTMmhibm8wTnQyVzNSUE1GMXVjeWtCMERxajk1TXRsMUUzcU81Q3hLaEZFSkdR?oc=5) · Jimerson - Lipsey Funeral Home
- 2013-07-07 [David "Hody" Henry Beason Obituary Jul 7, 2013 - Jimerson - Lipsey Funeral Home](https://news.google.com/rss/articles/CBMibkFVX3lxTE44U0ZWZC16b0ZfZFJkcklfck9XSGpDWks5c3R1WElnOUJkdmh6ejlqYmQzYkhQNTNuandRLWd1Z00yVGZNZkRPajVtTnFzWEZiUDZ6OE1NWXhRVV9DZWxqNFZIOFBwUER1azZYaVJB?oc=5) · Jimerson - Lipsey Funeral Home

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=24763 (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 "24763", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide