# FIRST NATIONAL BANK OF ANSON
ANSON, TX · FDIC certificate 3078 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *auto lender*. 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 | $105.2M | |
| Deposits | $97.2M | |
| Loans and leases | $41.2M | |
| Total equity | $7.8M | |
| Loans / deposits | 41.43% (p13 of band) | 73.59% |
| Liquid assets / assets | 59.01% (p87 of band) | |
| Uninsured deposits / deposits | 43.24% (p94 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 7.84% (p2 of band) | 11.76% |
| Unrealized securities loss / equity | -8.65% (p43 of band) | -6.57% |
| AOCI / equity | -6.92% (p1 of band) | |
| ROA (annualized) | 2.55% (p94 of band) | 1.17% |
| Net interest margin | 4.96% (p89 of band) | 3.93% |
| Efficiency ratio | 52.97% (p19 of band) | |
| Noncurrent loans | 0.26% (p45 of band) | 0.36% |
| Net charge-offs (annualized) | 0.08% (p85 of band) | |
| Reserve coverage of noncurrent | 840.57% | |
| Real estate % of loans | 55% | |
| Construction % of loans | 12.28% (p42 of band) | |
| Auto loans | $5.0M (12.20% of loans; DQ 3.63%, NCO 0.03%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 22.5% | |
| Employees | 16 | |

## 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 | reserve under noncurrent |  |
| 2011-12 | 1 | capital falling | reserve under noncurrent |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 | uninsured deposits leaving | capital falling |
| 2012-09 | 3 | deposits shrinking, assets shrinking |  |
| 2012-12 | 0 |  | uninsured deposits leaving, deposits shrinking, assets shrinking |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | capital falling |  |
| 2014-09 | 0 |  | capital falling |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | capital falling |  |
| 2016-06 | 0 |  | capital falling |
| 2016-09 | 0 |  |  |
| 2016-12 | 2 | deposits shrinking, assets shrinking |  |
| 2017-03 | 0 |  | deposits shrinking, assets shrinking |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | capital falling |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 0 |  | capital falling |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | capital falling |  |
| 2019-06 | 1 | deposits shrinking | capital falling |
| 2019-09 | 0 |  | deposits shrinking |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 3 | charge-offs p90, reserve under noncurrent |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 3 | noncurrent p90 | charge-offs p90 |
| 2021-06 | 1 | uninsured deposits leaving | capital falling, reserve under noncurrent, noncurrent p90 |
| 2021-09 | 3 | deposits shrinking, assets shrinking |  |
| 2021-12 | 1 |  | deposits shrinking, assets shrinking |
| 2022-03 | 1 | capital falling | uninsured deposits leaving |
| 2022-06 | 1 | AOCI drag >20% of equity | capital falling |
| 2022-09 | 2 | securities losses >30% of equity |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 3 | deposits shrinking, assets shrinking |  |
| 2023-09 | 4 | uninsured deposits leaving |  |
| 2023-12 | 3 |  | securities losses >30% of equity |
| 2024-03 | 2 |  | uninsured deposits leaving |
| 2024-06 | 2 |  |  |
| 2024-09 | 1 |  | assets shrinking |
| 2024-12 | 0 |  | deposits shrinking |
| 2025-03 | 0 |  |  |
| 2025-06 | 1 | capital falling |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 0 |  | capital falling |
| 2026-06 | 0 |  |  |

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

- 2021-11-23 [Johnie Devaney Obituary - Abilene Reporter-News](https://news.google.com/rss/articles/CBMiXkFVX3lxTE1GWjYyNUZ6Zi1yeC0waXVYNGRpU3g5em5VZlA0NGs2S3laSnFHN2NpbjZuUEowSF84VlZ1WGxxd0dFcWtuc0pwQUM4UU9sQmdSNkJNNjgtZDhqN093Unc?oc=5) · Abilene Reporter-News
- 2016-12-18 [Kenneth W. Williams Obituary Dec 18, 2016 - The Hamil Family Funeral Home](https://news.google.com/rss/articles/CBMidEFVX3lxTE9Gb05QY0E1M2NoWE5jWjhvT2VTR2ptY3lidnVWMHlyY0Q3ZExXNHJ6aEpEV2JDZlZhNC04ZmdySGMwX21qLW9QVU80Ul9NUVU5cllJUy1QWVZ5LVJub2VjcGRfUWFtNmNFbzN6N2EzS0dxaXhP?oc=5) · The Hamil Family Funeral Home
- 2018-10-02 [Here are all of the banks that currently support Apple Pay - iMore](https://news.google.com/rss/articles/CBMid0FVX3lxTE9ZY3JkQUdrNTNjWmMzVFk2QXBlWExaRnI3bjVsQ28wVlFRWUc5TEVWMm5TWkZ6RmtKTTNZRUhKbExyS25yb2pnRTc5VklBeW13Mzk0aU9MWVNGbHpiMDJUM1pfOVFvdFhCdGpNLUJQVG9ybXYzNlc4?oc=5) · iMore
- 2023-05-24 [Anson congregation leans on faith after fire destroys historic church - Abilene Reporter-News](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNM2RpTDVNWjdxMTE0OUUxSndJUU1MNk10c05ocjRkV3d1RXU4TE80MHNhbHBWX0hlZVpPTmMzb0lSczZkYTE1VHJCX2lfdFRmUFE4b2RVQUlHZ0VDXzR1T2FZQ2ttYS1DYWRqZlU0RWYzZW53WktPTWdZOW9acjNZOWRWWjhrSXNWajI0?oc=5) · Abilene Reporter-News
- 2004-12-17 [Edward Luskey Obituary (2004) - Dallas News](https://news.google.com/rss/articles/CBMiogFBVV95cUxPSDBRbGlzbjVjbmpVcTJLRVpTSkhkMEdDY3cwQUJwQ29qcVJGSndHXzd2V2ZBY2k2dk5PckZ6UXMycHAtQ0hHNjBHc1lUaTQ3MnZIRHBTeUJlNS1uMEM1Z0tfNjlDbWF5VHhBOTI5dnpCR1k4TndjSUxPamQ3N1E3clR4Vlo1UWIxMEM4Y3BzNXdKb3RpaFFBTXV1dDk1dXZTX0E?oc=5) · Dallas News
- 2021-10-08 [Thelma Heidenheimer Obituary - Abilene Reporter-News](https://news.google.com/rss/articles/CBMiXkFVX3lxTFB1Y1F5Y2tkVkpDTnIzbXF4R3lDVXlSMTIyR1JXSEN4dVR2SWRTWFhNQWVMWEtFN21hd3A3aUNXRDNxQjZUc0pYalUtMnhOaDF5YXNjU0Ezb3hXVkdPZHc?oc=5) · Abilene Reporter-News
- 2021-11-16 [Donnie Kiker Obituary - Abilene Reporter-News](https://news.google.com/rss/articles/CBMiXkFVX3lxTE15dmNLYnJUeFFoczhZa0xlN0tmZ05VZ1A2cnJMUEczcGJtY0dIYUlVTl90cTF4UDhmM0VxbXBHNHFUM0podm1zRG45dmlJT0VXU1hnbUZwNXhMSjdrV3c?oc=5) · Abilene Reporter-News
- 2021-07-30 [Juana Sue May Obituary - Abilene Reporter-News](https://news.google.com/rss/articles/CBMiXkFVX3lxTE1wS0ZLd2V5MUxYelFORGgtblB0M3oxVktIX3pfcGZiVURtWnp2ZjBNLUw0MWtzYWhfemJydlkzY0FIakpXWTNqV21qODAwWHlJdHAzeExKRHZEQi1jcnc?oc=5) · Abilene Reporter-News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3078 (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/6.json (key "3078", 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