# BLANCO NATIONAL BANK
BLANCO, TX · FDIC certificate 3105 · asset band <$300M · latest filing 2016-12 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $185.2M | |
| Deposits | $167.6M | |
| Loans and leases | $91.7M | |
| Total equity | $17.2M | |
| Loans / deposits | 53.98% (p21 of band) | 74.46% |
| Liquid assets / assets | 49.97% (p81 of band) | |
| Uninsured deposits / deposits | 14.99% (p51 of band) | 14.82% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.94% (p35 of band) | 10.76% |
| Unrealized securities loss / equity | -7.16% (p8 of band) | -0.86% |
| AOCI / equity | -9.35% (p3 of band) | |
| ROA (annualized) | 1.07% (p64 of band) | 0.85% |
| Net interest margin | 4.04% (p71 of band) | 3.68% |
| Efficiency ratio | 75.93% (p59 of band) | |
| Noncurrent loans | 0.81% (p57 of band) | 0.62% |
| Net charge-offs (annualized) | 0.08% (p68 of band) | |
| Reserve coverage of noncurrent | 164.93% | |
| Real estate % of loans | 86% | |
| Construction % of loans | 184.35% (p99 of band) | |
| Auto loans | $3.6M (3.97% of loans; DQ 10.10%, NCO 0.04%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 0.9% | |
| Employees | 56 | |

## Flags firing in the latest filing

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

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 3 | uninsured deposits leaving |  |
| 2012-06 | 3 | capital falling | uninsured deposits leaving |
| 2012-09 | 2 |  | capital falling |
| 2012-12 | 2 |  |  |
| 2013-03 | 1 |  | reserve under noncurrent |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 2 | capital falling |  |
| 2014-09 | 1 |  | capital falling |
| 2014-12 | 1 |  |  |
| 2015-03 | 2 | capital falling |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 1 |  | capital falling |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |

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

- 2016-11-30 [Texas Regional Bank acquires Blanco-based banking company - MyRGV.com](https://news.google.com/rss/articles/CBMiowFBVV95cUxNVWs0S0J3VFFuSm1zV09HOURnR0c1QnhmTU9yZFBCMkN5X3NJbWNfV1JJTWh2MkhQdmRvQVdWanVRVUxvQXc5aFBYcTNjenlCVjRsY2xFMlhSbmRpVzh1MVFCT3paaDJkbmZpOHlKUzR6cnBtdmRrOGwzYmxkcXduYnd5UHU0dlE0cUEzVGlJRTJkeFVmYVI3OXY1MTBsQWZZeHQ0?oc=5) · MyRGV.com
- 2019-12-18 [Alex Meade to Join Texas Regional Bank - Newswire.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxQRlJTNUZEUzRfUTdUNzJuWm4tSDN2cm52OC0wZnlKdjVJektncjY4aEtoTWFnMEdnN0lzazdCcE1PVEdZekZob2NseFdXVFBXSE56UmlRM1N0bWswamdLSmVHN1A3dnNhdndiTlQwcnpuWjVwTk5pOUlnemc1SWh6Q01jTQ?oc=5) · Newswire.com
- 2026-01-13 [Texas Regional Bank targets Hill Country growth with two new banking centers - The Business Journals](https://news.google.com/rss/articles/CBMirgFBVV95cUxPS2hrcmIxU1dwaklTMUlJREpBcmxNVXd3S05wWW9WTk1DalVwQzMyLVREMkNiNWpWZnpIR2lxcTFBWXh2SUhnQ1dXcWlBa0NTbDFqLVJkZG9UN0JueGxEZWgteXYxZ2FEZ3NpbGpnSlBXS2ViZWFJbWNTT0FKTzMzbVdwc01zaUFzLTA0RnRROWg1SEVXZzMxMzFqVnh6ZW1ybG1EaFRyVXA0b3hLZmc?oc=5) · The Business Journals
- 2012-07-30 [Wayne Moehring Obituary Jul 30, 2012 - Schertz Funeral Home & Crematory](https://news.google.com/rss/articles/CBMibEFVX3lxTFBZVEFRUEQ2TzFRZXZ5T2dyUXllRWlUdFBjTmlmb1Qwdm5nSFM3R2I2OG9TcFV2bXlhdE5qbExPbC1YdnZkMlpHSkQxeVVHU3NEeVpYQzgzTHJYYWdRLTZSSWhPWjZ0RVhNZVppOA?oc=5) · Schertz Funeral Home &amp; Crematory
- 2012-09-01 [Blanco County board overhauls emergency service in wake of scandal - Austin American-Statesman](https://news.google.com/rss/articles/CBMixAFBVV95cUxPYzlZZUs4Qm1QRjFZZGpoQnlja3ZuWXJzS3I4aHMtOVlHOWQtMjVGbmg4bHVXQjl5ZlM1NmZaYl8tWEt6aU80ZVBHZFp0MkR4b21YcFVYUVBPMmkxdm1zLS03M2F5Y1dfM2puMk5IVlBmNkh3MjB1Y2NmVmJYWV9VVFk5bWlMd1hNWThTRGRQTEhLV3ZCbkVpY2hWZHNlUXNfMUZYcmphQ1RaZnpJclgxb2R0c0g1TGxyeFh1cktIYkU2SUNt?oc=5) · Austin American-Statesman
- 2025-05-13 [Barbara Triesch Obituary (1953 - 2025) - Wimberley, TX - The Wimberley View - legacy.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxQSFJuVzllRTZmN3VtMVRwMnlSVVAzejNFZ0d6Tmt5bUdCUURfSmF6MTNrTkphWDN1bHFEa3BpWFZIQjMzSzVHdlk2eGRpRXZ0MElEck4tYU1ldmVKNFF1VnlWR3E2aGdiSGhpbC0tRVQya3dLdGdiUHdTZ1ZVeGdOQnpmYU9QUFNCNlZfd1hyWktra1pWVU5N?oc=5) · legacy.com
- 2011-04-05 [Ronald Wunderlich Obituary - New Braunfels, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMijgFBVV95cUxPNGl2V2o0bnFYaDBSUWVVTFhrSVlSVU41d1hNLW56eC1sQTJhbVV6ZWJzRFR4bWFwYkJYalZiMTFjeWN1LWU2eXJpNXZTS1BJNVBiY1FEY1BwcUFtZXZ3dE83N3RrNGZRdUpuZDJrN213MXpsZzh2ak1KZ1JyN21jbzNBeTlITHp4bTdXcjJ3?oc=5) · Dignity Memorial
- 2016-01-14 [Linda Louise Grimes - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxQUU92N2RTNVUxVzZvR1M1QkRQc1A1UmlFTVdnX1hCT0FCQThfVUNqT0ZObnh0c0UzWFE4bUNxMXdUREZxb2xxd3RZMFFXVHdQU3VHSGJqclVmV2NNR0JIclkwcmo1M2s0d0xYeEtLNDAyM1lQdmVSMmp4SVZoSGJ0b0JFWHZLeDdWaXZmOGY4bTQ1Zw?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3105 (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/33.json (key "3105", 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