# FIRST NATIONAL BANK OF EMORY
EMORY, TX · FDIC certificate 3188 · asset band <$300M · latest filing 2016-06 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $103.3M | |
| Deposits | $88.2M | |
| Loans and leases | $40.6M | |
| Total equity | $13.9M | |
| Loans / deposits | 45.18% (p13 of band) | 74.58% |
| Liquid assets / assets | 57.84% (p87 of band) | |
| Uninsured deposits / deposits | 21.52% (p78 of band) | 14.02% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.99% (p76 of band) | 10.79% |
| Unrealized securities loss / equity | 0.04% (p12 of band) | 2.02% |
| AOCI / equity | -9.67% (p0 of band) | |
| ROA (annualized) | 2.73% (p97 of band) | 0.86% |
| Net interest margin | 2.78% (p11 of band) | 3.65% |
| Efficiency ratio | 99.89% (p94 of band) | |
| Noncurrent loans | 0.13% (p24 of band) | 0.67% |
| Net charge-offs (annualized) | 0.04% (p68 of band) | |
| Reserve coverage of noncurrent | 1511.76% | |
| Real estate % of loans | 64% | |
| Construction % of loans | 28.64% (p66 of band) | |
| Auto loans | $1.2M (2.99% of loans; DQ 0.41%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -4.1% | |
| Employees | 22 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 0 |  | reserve under noncurrent |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | reserve under noncurrent |  |
| 2014-03 | 2 | capital falling |  |
| 2014-06 | 0 |  | reserve under noncurrent, capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 2 | expense ratio p90, assets shrinking |  |

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

- 2010-12-02 [John Russell Armstrong - North Texas e-News](https://news.google.com/rss/articles/CBMigAFBVV95cUxOdGdMNnFpYnRBbE02VXVGWjJFRUVKRW54X1h2aWx4MEhLcldJeFBDNVZQeGRHMkppYWRya3hlajVEU1licWhQVy05NjZWVG5uaXkxTnhTWlJmSEFkUndwRmUyMzM1ZnZyc1VxM1hMOFY5YzJWeFNCdEI3QW9KUDhxZg?oc=5) · North Texas e-News
- 2010-11-30 [Emory man killed in small plane crash - KLTV.com](https://news.google.com/rss/articles/CBMidkFVX3lxTFB6N0JHdXZ1TzY5SXR5Q0JFN2JvTkRHLTd5R0c2cEFPdnkwMngwU1VTZVktaGhnOC1LMFROQkt1bUs2WGowVXdmaDczZmNhZlZQZDczY2RxVEYxR09tNUdyQk5KbDNQNjczY1RONFluMHhMaFJsSnfSAYgBQVVfeXFMTUtqRzRGYzZpZHRYN2U0Rmw3bHdBZEVKQnItQXlJcjh5bVdYVEdWeE9ubmNfbFhXeXByalJra2gycEhPa1VTYkcxNVFDVkcyUTM1MWlBUFktME5FWUdCd0h1M2ZCNTcyQXZXUmJIT2lFejlDVndJSFNJeGhIclRpSVVuWEJPQVlmYw?oc=5) · KLTV.com
- 2010-12-03 [Front Page Aircraft accident claims life of John Armstrong By Allen Rich Dec 3, 2010 - North Texas e-News](https://news.google.com/rss/articles/CBMibEFVX3lxTE9nUW83dWdvelozOU1DclhRa0ozcFh6elhUYTc5R0hxYkExTEtRNXpEck5OVXdiWjItekNfQktsWFRuSHNoT2FMOFR0QWlXbG5FcjZYTWFnNDRDcHRLNk9vdTdZZmVMQTU4MEZ5Tw?oc=5) · North Texas e-News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3188 (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/52.json (key "3188", 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