# FIRST FEDERAL BANK TEXAS
TYLER, TX · FDIC certificate 30048 · asset band <$300M · latest filing 2012-12 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 9 (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 | $166.0M | |
| Deposits | $112.3M | |
| Loans and leases | $129.3M | |
| Total equity | $15.3M | |
| Loans / deposits | 113.61% (p99 of band) | 68.02% |
| Liquid assets / assets | 12.25% (p4 of band) | |
| Uninsured deposits / deposits | 13.45% (p72 of band) | 8.86% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 21.09% (p97 of band) | |
| FHLB advances / assets | 21.09% | |
| Tier 1 leverage | 8.47% (p19 of band) | 10.05% |
| Unrealized securities loss / equity | 3.78% (p56 of band) | 3.01% |
| AOCI / equity | -0.19% (p30 of band) | |
| ROA (annualized) | -2.42% (p2 of band) | 0.76% |
| Net interest margin | 2.92% (p13 of band) | 3.75% |
| Efficiency ratio | 165.31% (p99 of band) | |
| Noncurrent loans | 1.87% (p62 of band) | 1.21% |
| Net charge-offs (annualized) | 0.44% (p80 of band) | |
| Reserve coverage of noncurrent | 71.28% | |
| Real estate % of loans | 94% | |
| Construction % of loans | 24.45% (p62 of band) | |
| Auto loans | $700,000 (0.54% of loans; DQ 3.57%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -11.4% | |
| Employees | 36 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **wholesale funding >15%** (`liq_wholesale`)
- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | loans exceed deposits, wholesale funding >15%, losing money, expense ratio p90, reserve under noncurrent |  |
| 2011-06 | 3 |  | losing money, expense ratio p90 |
| 2011-09 | 3 |  |  |
| 2011-12 | 3 |  |  |
| 2012-03 | 3 | charge-offs p90 | reserve under noncurrent |
| 2012-06 | 4 | assets shrinking |  |
| 2012-09 | 4 | deposits shrinking | charge-offs p90 |
| 2012-12 | 9 | capital falling, losing money, expense ratio p90, reserve under noncurrent, uninsured deposits leaving |  |

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

- 2026-01-28 [PROSPERITY BANCSHARES, INC.® REPORTS FOURTH QUARTER 2025 EARNINGS - PR Newswire](https://news.google.com/rss/articles/CBMiugFBVV95cUxPT1dqTkdReGpHd3ROZUlwLXhieUVKUDUwRERDZFFGcXo1OElydnZMOUlvUHgyWWdLZjQzMG9uTzFGMXVvLXVsbS1rZXRlZGQxMlh3UWlmRVVEaGNlT0RNbWZEQ0V6bDlwd1FyM0p3d2I1RE5sZjUxZ0Vkc2hIclZNdU9OaXFzSnM2T0g2ajNyZDhlZFc4aHg3ajkxaGpra2cyd2hjcjExLXp2bHhKdkFfd0NfdjhOZWVnLUE?oc=5) · PR Newswire

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=30048 (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/32.json (key "30048", 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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