# FIRST NB OF BEEVILLE
BEEVILLE, TX · FDIC certificate 3095 · asset band $300M-1B · latest filing 2019-03 · 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 | $437.1M | |
| Deposits | $394.6M | |
| Loans and leases | $299.3M | |
| Total equity | $39.9M | |
| Loans / deposits | 74.97% (p28 of band) | 84.98% |
| Liquid assets / assets | 27.71% (p65 of band) | |
| Uninsured deposits / deposits | 46.65% (p95 of band) | 21.58% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p8 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.34% (p22 of band) | 10.59% |
| Unrealized securities loss / equity | -1.21% (p29 of band) | -0.32% |
| AOCI / equity | 1.05% (p50 of band) | |
| ROA (annualized) | 1.74% (p87 of band) | 1.08% |
| Net interest margin | 4.56% (p89 of band) | 3.73% |
| Efficiency ratio | 49.49% (p9 of band) | |
| Noncurrent loans | 0.00% (p3 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p48 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 88% | |
| Construction % of loans | 119.16% (p95 of band) | |
| Auto loans | $427,000 (0.14% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 9.9% | |
| Employees | 55 | |

## Flags firing in the latest filing

- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 2 | capital falling, reserve under noncurrent |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 | leverage <7% | reserve under noncurrent |
| 2012-12 | 0 |  | capital falling, leverage <7% |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 1 | deposits shrinking |  |
| 2013-12 | 0 |  | deposits shrinking |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 2 | capital falling, reserve under noncurrent |  |
| 2015-03 | 1 |  | capital falling |
| 2015-06 | 1 |  |  |
| 2015-09 | 0 |  | reserve under noncurrent |
| 2015-12 | 1 | construction >100% equity |  |
| 2016-03 | 1 | deposits shrinking | construction >100% equity |
| 2016-06 | 0 |  | deposits shrinking |
| 2016-09 | 0 |  |  |
| 2016-12 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2017-03 | 3 | capital falling, noncurrent p90 | charge-offs p90 |
| 2017-06 | 2 |  | noncurrent p90 |
| 2017-09 | 0 |  | reserve under noncurrent, capital falling |
| 2017-12 | 1 | reserve under noncurrent |  |
| 2018-03 | 2 | charge-offs p90, construction >100% equity | reserve under noncurrent |
| 2018-06 | 1 |  | charge-offs p90 |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |

## 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=3095 (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/23.json (key "3095", 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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