# COMANCHE NATIONAL BANK
COMANCHE, TX · FDIC certificate 3145 · asset band $300M-1B · latest filing 2018-09 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (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 | $338.7M | |
| Deposits | $297.4M | |
| Loans and leases | $119.8M | |
| Total equity | $39.2M | |
| Loans / deposits | 39.23% (p3 of band) | 86.40% |
| Liquid assets / assets | 59.69% (p97 of band) | |
| Uninsured deposits / deposits | 25.60% (p64 of band) | 21.53% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p8 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.01% (p75 of band) | 10.49% |
| Unrealized securities loss / equity | -16.55% (p3 of band) | -3.26% |
| AOCI / equity | -11.18% (p2 of band) | |
| ROA (annualized) | 1.08% (p46 of band) | 1.12% |
| Net interest margin | 3.34% (p23 of band) | 3.75% |
| Efficiency ratio | 64.65% (p47 of band) | |
| Noncurrent loans | 0.03% (p10 of band) | 0.51% |
| Net charge-offs (annualized) | 0.01% (p44 of band) | |
| Reserve coverage of noncurrent | 7928.21% | |
| Real estate % of loans | 77% | |
| Construction % of loans | 6.28% (p10 of band) | |
| Auto loans | $3.5M (2.92% of loans; DQ 2.57%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 2.9% | |
| Employees | 82 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | capital falling |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | uninsured deposits leaving |  |
| 2015-03 | 2 | capital falling |  |
| 2015-06 | 0 |  | uninsured deposits leaving, capital falling |
| 2015-09 | 1 | uninsured deposits leaving |  |
| 2015-12 | 0 |  | uninsured deposits leaving |
| 2016-03 | 1 | capital falling |  |
| 2016-06 | 0 |  | capital falling |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 0 |  | capital falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | capital falling |  |
| 2018-06 | 0 |  | capital falling |
| 2018-09 | 0 |  |  |

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

- 2018-07-19 [Spirit of Texas Bancshares, Inc. to Acquire Comanche - GlobeNewswire](https://news.google.com/rss/articles/CBMikwJBVV95cUxQTnB2WWlVSW5CcmpFUG5iT2hwODdEQXhHWTVIcldPWUx6c2dGX2xucjNSUDFxZnlMTFItSmtYZG1vM2FEV1lwYlZ2UE43YXMwQ1l4cE04bHU3Q2xEc1hMMk1EMm5JMkZvN1hNMEpZOHhJMUZPZTNNYXcwNHI5MEc5SHVjZUJSR0NESDlBaE9PeG5BSnRwYXdRb1RGUkR0LXFoWUZqU2JzWjlzZGl2TGpZT2UtOERxdWZuc0R6bTZxZHVBY0pVM1JzejB5Unp2Y3llV09wVWZxY1NpRFpwSXZlMnJWaktEcDFDSUlOYmdxLXRnWGZOWlJYQXpDRTRsNk5GQ20tOWgtYllpWUE0OW0zT0E0MA?oc=5) · GlobeNewswire
- 2021-11-26 [John Parriott Chilton's Obituary, Visitation & Funeral Information - Restland Funeral Home, Cemetery and Crematory](https://news.google.com/rss/articles/CBMid0FVX3lxTE91VC1GUDFLNXo0b1pUMmVaUzJDbkV4NXNRUzkwelBCdURSbWhmOHhMbUE5Tkl6clNKU0xrQms4akxBTW1vM3ROQmRFekdfY0Zic2JBVk15SDAxNDRCX1hHaDZ3RlRHVERVRFBaYVQtcFB4VnRySTdB?oc=5) · Restland Funeral Home, Cemetery and Crematory
- 2026-05-03 [Pamela Hurt Obituary (2026) - Comanche, TX - Comanche Funeral Home - Legacy obituary](https://news.google.com/rss/articles/CBMif0FVX3lxTE91SXlKWHZsd3h0RGgxeXJZZ2dfM08wNDJqb2ZMaG5wV2stY01uNEpjNUh0TkxTREhCdU5BbVdqYUdlVUNxbWUwczVxMnpabjZaV28wRUpHOWkwZXlvRnBsMjd5NmpHaWltZ0ZRQUJ2ZWZ3M2tXM2JhVUNFU2hlejg?oc=5) · Legacy obituary
- 2015-01-25 [Obituary information for Loel Dene "LD" Cox - Heartland Funeral & Cremation Service](https://news.google.com/rss/articles/CBMihAFBVV95cUxORktibGVNV3VqcUljZG0yQmQ0LXZsSThXc3RIei1NRmMtWGZXc3JSQ1FfVlRvSUxTeGFFXzNadmlOZlZJSUxVV1Iza0J1YS1xTXBXYzNmdGdzS1JGS2hSYmdPdGJkbHJsTWgzMFFnblFYOEpWOW8xb2VsYnZBLXNoVjhuODM?oc=5) · Heartland Funeral & Cremation Service
- 2018-11-14 [Spirit of Texas Bancshares, Inc. Completes Comanche Acquisition - GlobeNewswire](https://news.google.com/rss/articles/CBMizgFBVV95cUxORktObkJhUjFGOTRjQXpkdlkyZjJoUnhQU2RtU2tyOWE1dk1veWs0UVpJb09RMWVDWjFLZW1MWDFtRzVmVVNoZTNFbE1aZzNENXFsVHBxRERXQ2FpVXlpYWdLRUVkczNKd3c1emV0NzlyOGR5N1NnZHpMOUJwd0xVWnhGRlk0bDRNMEhIdDA0UFp3SE13MzhGajkwUGhMeUtjQlRVbnAtUl9nYkN3RTE2Y1dzVW13aWNTSUJ3R0k1c1ZueTBRZldZZ0VtSmhRZw?oc=5) · GlobeNewswire
- 2021-01-17 [Obituary for C.H. "Mickey" Maguire, Jr. - Lacy Funeral Home](https://news.google.com/rss/articles/CBMiZkFVX3lxTE85TDJ2YXF0Y3M2YVowSFNQTGJpSjdjWmp2RHdBcFZQWkFRekpOcUJtVjJiNXFycUw1Z1d3ZHIyaW10S0g2azFlWUlUV2tRaDlNclpUWUtrQmxfc1FKVzdSd0laTVZaZw?oc=5) · Lacy Funeral Home
- 2017-08-15 [Taquito Millonario ribbon cutting held at former Mi Familia Restaurant in Early - Brownwood News](https://news.google.com/rss/articles/CBMitgFBVV95cUxOXzF1X3BJUURQMVotejEyMXVFc2JUbW9RMDlOTEFnaDBhbEhvTV9POEFPWG9Yak1oRi1vcUpQdkFtTEpYVUx6REdKN3dmaGdpZmFYcGhma3AtdG1oYnNRWG9IeDUtcXBjejJfSVhXejV2djNiRWZLRFR2aTNRQk5LaXRSX3RDeGRDQWdLbWt4RzQxcUpLbEtPZ3VES3hncFRHRHhYOGREMlA1QldBQi1Wc1F3emZuQQ?oc=5) · Brownwood News
- 2024-08-16 [Lou Johnson Obituary (2024) - Comanche, TX - Comanche Funeral Home - Legacy obituary](https://news.google.com/rss/articles/CBMif0FVX3lxTE5yZUhXVFhkVDZyd0c0N24xeVVYem5ENTg0MHR2NG80NVRDbFIzbm9XMVd4bkU2Uml6RjNZLV9WcEdGTTBvcVVGd05Gd1Z3WkRLczl0LXhwc2U0YjRmcVEwNGgxeldaNUllLVJVWnJUSVZzTlQ4eW9fMXpXZ0c1c2s?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3145 (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/9.json (key "3145", 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