# FIRST NB OF CANTON
CANTON, TX · FDIC certificate 3130 · asset band <$300M · latest filing 2012-09 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 2 (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 | $126.4M | |
| Deposits | $114.8M | |
| Loans and leases | $67.6M | |
| Total equity | $11.3M | |
| Loans / deposits | 58.23% (p29 of band) | 69.20% |
| Liquid assets / assets | 42.88% (p66 of band) | |
| Uninsured deposits / deposits | 2.82% (p14 of band) | 8.50% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.35% (p16 of band) | 10.13% |
| Unrealized securities loss / equity | 7.36% (p72 of band) | 3.81% |
| AOCI / equity | 4.40% (p96 of band) | |
| ROA (annualized) | 0.75% (p47 of band) | 0.80% |
| Net interest margin | 3.53% (p36 of band) | 3.77% |
| Efficiency ratio | 76.07% (p58 of band) | |
| Noncurrent loans | 0.20% (p20 of band) | 1.27% |
| Net charge-offs (annualized) | 0.04% (p41 of band) | |
| Reserve coverage of noncurrent | 564.71% | |
| Real estate % of loans | 78% | |
| Construction % of loans | 42.00% (p77 of band) | |
| Auto loans | $5.1M (7.50% of loans; DQ 6.07%, NCO 0.03%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 6.2% | |
| Employees | 31 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 0 |  | capital falling |
| 2012-06 | 0 |  |  |
| 2012-09 | 2 | capital falling, uninsured deposits leaving |  |

## 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=3130 (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/58.json (key "3130", 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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