# FIRST NATIONAL BANK OF EVANT
EVANT, TX · FDIC certificate 3190 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. 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 | $199.4M | |
| Deposits | $180.4M | |
| Loans and leases | $133.3M | |
| Total equity | $18.5M | |
| Loans / deposits | 73.14% (p49 of band) | 73.59% |
| Liquid assets / assets | 31.67% (p48 of band) | |
| Uninsured deposits / deposits | 19.60% (p49 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.83% (p22 of band) | 11.76% |
| Unrealized securities loss / equity | -3.06% (p65 of band) | -6.57% |
| AOCI / equity | -0.77% (p33 of band) | |
| ROA (annualized) | 2.32% (p92 of band) | 1.17% |
| Net interest margin | 4.60% (p80 of band) | 3.93% |
| Efficiency ratio | 52.53% (p18 of band) | |
| Noncurrent loans | 0.38% (p51 of band) | 0.36% |
| Net charge-offs (annualized) | 0.02% (p72 of band) | |
| Reserve coverage of noncurrent | 262.57% | |
| Real estate % of loans | 73% | |
| Construction % of loans | 24.20% (p58 of band) | |
| Auto loans | $6.2M (4.63% of loans; DQ 1.22%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 10.2% | |
| Employees | 30 | |

## Flags firing in the latest filing

- none

## 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 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 1 | uninsured deposits leaving |  |
| 2012-12 | 0 |  | uninsured deposits leaving |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 0 |  | capital falling |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | uninsured deposits leaving |  |
| 2015-12 | 0 |  | uninsured deposits leaving |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 0 |  | capital falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | capital falling |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 0 |  | capital falling |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 3 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 2 |  | capital falling |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 3 | deposits shrinking, uninsured deposits leaving |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 0 |  | securities losses >30% of equity, deposits shrinking, uninsured deposits leaving |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2023-03-06 [Chris Cockrell Obituary Mar 6, 2023 - Scott's Funeral Home | Gatesville, TX](https://news.google.com/rss/articles/CBMiX0FVX3lxTE1mRzJac2o5UVdBNjZJY2dYUHZoR3VhYTJpQW4yVG94aGtkOVc0UWZ2dnltOXF2UEdzT3lhMThpalF1dWJEM3NCdXFXRU1NNGItU1lSWFpRZ1phVDJqNV9v?oc=5) · Scott's Funeral Home | Gatesville, TX
- 2026-03-17 [Gatesville community rallies around firefighters and those affected after historic building and businesses burn down - KWTX](https://news.google.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?oc=5) · KWTX
- 2022-02-27 [Central Texas World War II veteran celebrates 105th birthday - The Killeen Daily Herald](https://news.google.com/rss/articles/CBMi2AFBVV95cUxQNE8weE5jdjNocDVfV2daWnhnODQzcVA5TkVVSE44U3Mzb3FNaFRYYjl1VHMwSGtxVGRsTXR3SGJBYUFPcjRNUVZGejN2dGlkbmQtU2RROFRfWHNuVS00X3dCTXdKTEJEdHVTWmYxWkh0R1JZNVgtR2VicTRvZEszVnFtaXU4VUpRUzNOcWJ4d05BZ0R2cnZxNjk2UGs1NTNOSHVpX2NXaW11WHVwOWppY1FhcXo0dFRiT1B3WjZkVGRhUlJHVUhkVjBPWjluUGFKWDlaUWhiZ1g?oc=5) · The Killeen Daily Herald
- 2013-09-18 [Frances Stanford Obituary Sep 18, 2013 - Scott's Funeral Home | Gatesville, TX](https://news.google.com/rss/articles/CBMiVkFVX3lxTFBzQzlmTDlyN0Y3bkVWbENYd2RtZEVtQkpyVzVTX09RMzZtaFI3RWM0OUxrZUUtNnRzUEk1eGJKX1BCTTRzRkFQZzdxREZVSGppV1g2WlFB?oc=5) · Scott's Funeral Home | Gatesville, TX
- 2026-03-19 [As rubble from historic fire in Gatesville continues to burn community steps up to help people who lost jobs - KWTX](https://news.google.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?oc=5) · KWTX
- 2013-06-30 [Kyle Pruitt Obituary Jun 30, 2013 - Scott's Funeral Home | Gatesville, TX](https://news.google.com/rss/articles/CBMiVkFVX3lxTE5sRG9UVzFMX1l2YmtXN0lFLVVhdVRMTDlvdnQ0UjVjaGktbWtDWnBJN3l5WXJ0Rk9sMEhLd3lnOXRMM0VzenFuNDhDdkFlVC1hcm00YjFn?oc=5) · Scott's Funeral Home | Gatesville, TX

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3190 (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/54.json (key "3190", 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