# FIRST NATIONAL BANK BAIRD
BAIRD, TX · FDIC certificate 3086 · asset band $300M-1B · latest filing 2020-12 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $474.6M | |
| Deposits | $428.1M | |
| Loans and leases | $389.7M | |
| Total equity | $45.4M | |
| Loans / deposits | 90.08% (p79 of band) | 77.21% |
| Liquid assets / assets | 12.68% (p6 of band) | |
| Uninsured deposits / deposits | 17.12% (p20 of band) | 24.45% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p10 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.53% (p42 of band) | 9.86% |
| Unrealized securities loss / equity | 0.21% (p14 of band) | 2.64% |
| AOCI / equity | 0.17% (p19 of band) | |
| ROA (annualized) | 1.07% (p50 of band) | 1.08% |
| Net interest margin | 4.64% (p96 of band) | 3.52% |
| Efficiency ratio | 68.98% (p66 of band) | |
| Noncurrent loans | 1.80% (p89 of band) | 0.49% |
| Net charge-offs (annualized) | 0.07% (p72 of band) | |
| Reserve coverage of noncurrent | 58.62% | |
| Real estate % of loans | 63% | |
| Construction % of loans | 71.28% (p80 of band) | |
| Auto loans | $2.7M (0.69% of loans; DQ 0.63%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 14.5% | |
| Employees | 118 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | liquid assets <10%, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 0 |  | liquid assets <10%, reserve under noncurrent, construction >100% equity |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 0 |  | capital falling |
| 2012-06 | 1 | reserve under noncurrent |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 0 |  | reserve under noncurrent |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | reserve under noncurrent |  |
| 2014-09 | 2 | liquid assets <10% |  |
| 2014-12 | 3 | capital falling |  |
| 2015-03 | 3 |  |  |
| 2015-06 | 5 | loans exceed deposits, noncurrent p90, construction >100% equity | capital falling |
| 2015-09 | 2 | charge-offs p90 | reserve under noncurrent, loans exceed deposits, noncurrent p90, construction >100% equity |
| 2015-12 | 4 | capital falling, reserve under noncurrent, construction >100% equity | liquid assets <10% |
| 2016-03 | 3 | liquid assets <10% | charge-offs p90, capital falling |
| 2016-06 | 2 |  | liquid assets <10% |
| 2016-09 | 2 |  |  |
| 2016-12 | 1 |  | construction >100% equity |
| 2017-03 | 1 |  |  |
| 2017-06 | 2 | charge-offs p90 |  |
| 2017-09 | 1 |  | charge-offs p90 |
| 2017-12 | 2 | expense ratio p90 |  |
| 2018-03 | 1 |  | expense ratio p90 |
| 2018-06 | 0 |  | reserve under noncurrent |
| 2018-09 | 3 | liquid assets <10%, noncurrent p90, reserve under noncurrent |  |
| 2018-12 | 4 | construction >100% equity |  |
| 2019-03 | 5 | capital falling, charge-offs p90 | construction >100% equity |
| 2019-06 | 2 |  | liquid assets <10%, noncurrent p90, capital falling |
| 2019-09 | 2 |  |  |
| 2019-12 | 3 | noncurrent p90 |  |
| 2020-03 | 1 |  | charge-offs p90, noncurrent p90 |
| 2020-06 | 2 | capital falling |  |
| 2020-09 | 0 |  | reserve under noncurrent, capital falling |
| 2020-12 | 1 | reserve under noncurrent |  |

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

- 2016-09-24 [wednesday-deadline-for-20-under-40-nominations - Abilene Reporter-News](https://news.google.com/rss/articles/CBMiswFBVV95cUxOVlVtc1hFd3Zzc3h2aTVZUVBVM1ZkejFXV3ZKdWwzNDlXZzBVSjJkRkg3UkRuZGgydW15WUFKcGR0TDFzamFIbkxsaVg2SnJIVm1lMFVmYUVTakhpMkliMGFVMHhGRU9wLUdvUVVTb0VHUWNmbXg3RXA4amVaWjRxbWdQVWY2UGVJVzFuY3dhYndwRDBWMC1rbTI4LVYtRnliNDZoTFVqOUlwWTRhMU1ma1VzNA?oc=5) · Abilene Reporter-News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3086 (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/14.json (key "3086", 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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