# FIRST NATIONAL BANK OF BYERS
BYERS, TX · FDIC certificate 3122 · asset band <$300M · latest filing 2014-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (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 | $102.8M | |
| Deposits | $89.2M | |
| Loans and leases | $55.2M | |
| Total equity | $13.5M | |
| Loans / deposits | 61.93% (p39 of band) | 68.03% |
| Liquid assets / assets | 40.77% (p60 of band) | |
| Uninsured deposits / deposits | 16.24% (p66 of band) | 12.24% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p19 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.26% (p49 of band) | 10.34% |
| Unrealized securities loss / equity | -0.04% (p53 of band) | -0.15% |
| AOCI / equity | -0.02% (p8 of band) | |
| ROA (annualized) | -0.12% (p8 of band) | 0.74% |
| Net interest margin | 3.81% (p63 of band) | 3.59% |
| Efficiency ratio | 102.97% (p92 of band) | |
| Noncurrent loans | 1.07% (p53 of band) | 0.94% |
| Net charge-offs (annualized) | -0.04% (p10 of band) | |
| Reserve coverage of noncurrent | 1.85% | |
| Real estate % of loans | 36% | |
| Construction % of loans | 8.42% (p37 of band) | |
| Auto loans | $7.4M (13.34% of loans; DQ 3.84%, NCO -0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 4.3% | |
| Employees | 27 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | uninsured deposits leaving |  |
| 2013-03 | 2 | deposits shrinking, assets shrinking | uninsured deposits leaving |
| 2013-06 | 0 |  | deposits shrinking, assets shrinking |
| 2013-09 | 1 | capital falling |  |
| 2013-12 | 3 | NIM <2.5%, reserve under noncurrent |  |
| 2014-03 | 4 | losing money, expense ratio p90 | NIM <2.5% |

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

- 2020-08-30 [After nearly half a century in banking, a penny for his thoughts - Times Record News](https://news.google.com/rss/articles/CBMiwgFBVV95cUxOeEtIYWE1djR2WUQtMVY3dkZMcENNdWVaRkgwdlFQYmR0SWJsS2VpVWhNdFdVQjFqbkJucmpPb25KMnRJVjVfdGZHNzBTeUdrcFgtcWx3QlFlM0NZU005SUEwZF91U1hFM0plZDVCVmJqTVE5N0FtZlhOb1hDVXlzSXp2NE41WUJBOHoyTGllY2lpbEVOcFBPbGtaV0V4TkN6ZDUybmRfcDR1UkFZZzVxWmt3YVFHWWpJR2c0V0Z2NWlNdw?oc=5) · Times Record News
- 2020-09-20 [Pat Stampfli Obituary - Wichita Falls, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMihwFBVV95cUxPREJmamF4NmFKajdaTXBwNmR6TEJIZkZqMDNIaVNXZEkwNmw0VVl5N0V6al84czRIVkdEMUlRS2dxWGJKUG41b0NSM3A3YUJkalExdktDRFBHaTVvdnBsYVl3dXZkbDBGSHhpbzA1R3lxSjNHZTRoLWFJRFNSLU5QVktNRnRRQUE?oc=5) · Dignity Memorial
- 2026-07-02 [Alice Angeline "Angel" Bevering Obituary (2026) - Zavalla, TX - Shafer Funeral Home - legacy.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxPVDQwTF85cmpKdjZvWDlCZ1h0b3ZSaTJXRDZyeUpnMjJvS05XNHpWdmtBNVFjZno3RmZsclBnYVMtakZTWWtTalpfV25KMUpRWkVSZXVjaTJXdWFTem9MY1E3SUQ0QXdCVHRfRVJYM0lWY0hzZ0pKbVlmaDZmWGx3a3JiWQ?oc=5) · legacy.com
- 2016-09-29 [Public Records: Matter of Record (September 29, 2016) - Times Record News](https://news.google.com/rss/articles/CBMi0gFBVV95cUxQNU10VDNvbVRiTGVYVDlTNmxDdDBGNWloR2Zpek5sWGN0U3dCSG4zbmt0MF9wVkplVXlSTm9pcm5jZ1BTZFozZ1ZBYU5FWWhCdDJnd0w2WGdlUTlpR3IzRXBJdUN1RlRtVGVMWExQd0VBMm51MjhoVy1DVHg3TW1DYU9RYVNZdTljMmlrQmM4LVA3Tm5RbVdOZEo5S1lzT2pWaUFkSEQxRE54dE5fZU5TVVkySGVNZFUybm5XQUYwSWg0eFBHWTF3c3V5dUlhb1NtWmc?oc=5) · Times Record News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3122 (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/50.json (key "3122", 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