# ORANGE SAVINGS BANK SSB
ORANGE, TX · FDIC certificate 30696 · asset band $300M-1B · latest filing 2013-03 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $437.8M | |
| Deposits | $379.6M | |
| Loans and leases | $297.3M | |
| Total equity | $45.9M | |
| Loans / deposits | 77.53% (p57 of band) | 74.76% |
| Liquid assets / assets | 28.49% (p44 of band) | |
| Uninsured deposits / deposits | 22.25% (p69 of band) | 16.74% |
| Brokered deposits | 5.06% | |
| Wholesale funding | 7.61% (p64 of band) | |
| FHLB advances / assets | 2.56% | |
| Tier 1 leverage | 9.49% (p42 of band) | 9.77% |
| Unrealized securities loss / equity | 7.14% (p80 of band) | 2.98% |
| AOCI / equity | -0.43% (p39 of band) | |
| ROA (annualized) | 2.07% (p95 of band) | 0.80% |
| Net interest margin | 4.30% (p89 of band) | 3.52% |
| Efficiency ratio | 57.14% (p17 of band) | |
| Noncurrent loans | 0.17% (p7 of band) | 1.55% |
| Net charge-offs (annualized) | 0.02% (p38 of band) | |
| Reserve coverage of noncurrent | 606.90% | |
| Real estate % of loans | 76% | |
| Construction % of loans | 34.64% (p56 of band) | |
| Auto loans | $11.2M (3.78% of loans; DQ 1.33%, NCO -0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 4.7% | |
| Employees | 96 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |

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

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=30696 (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/40.json (key "30696", 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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