# FAYETTE SAVINGS BANK SSB
LA GRANGE, TX · FDIC certificate 31936 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. 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 | $551.8M | |
| Deposits | $495.2M | |
| Loans and leases | $425.7M | |
| Total equity | $54.8M | |
| Loans / deposits | 85.26% (p59 of band) | 82.04% |
| Liquid assets / assets | 20.87% (p35 of band) | |
| Uninsured deposits / deposits | 25.63% (p49 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.95% (p53 of band) | 10.81% |
| Unrealized securities loss / equity | -8.27% (p49 of band) | -8.10% |
| AOCI / equity | -0.32% (p52 of band) | |
| ROA (annualized) | 1.88% (p83 of band) | 1.28% |
| Net interest margin | 3.63% (p34 of band) | 3.91% |
| Efficiency ratio | 49.56% (p18 of band) | |
| Noncurrent loans | 0.01% (p10 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p35 of band) | |
| Reserve coverage of noncurrent | 11056.25% | |
| Real estate % of loans | 95% | |
| Construction % of loans | 62.01% (p66 of band) | |
| Auto loans | $1.5M (0.36% of loans; DQ 1.49%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 17.3% | |
| Employees | 45 | |

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

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

- 2025-12-11 [Fayette Savings Bank Files Application to Open New Branch in Fayetteville - The Fayette County Record](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOS29UNDVEU2NwaUo5MjZMMmwwUHM4ajRINFc0T1BvZ2Z1ODNqNTlOZzE1X3VFTURIeWJXUHlWUUswdG4xTTZ2M2tpZEFzS2dOWDRZcmt6WmRDQkprcU9mQjViLUhXeUNhRWF3X2xLWDZNa2dPUXMteFo0ZzBQYUNWV2dTQ0ZkOXE2RDBFa01wUDJvZ3B0Y0xydW8tM1lCOEFsTndkY0lUcGVGY1U?oc=5) · The Fayette County Record
- 2019-06-18 [[Update: 8 more banks] Google Pay adds 57 US banks and credit unions to its already enormous support list - androidpolice.com](https://news.google.com/rss/articles/CBMiwgFBVV95cUxPSjhTQUN1SFZQZDB1ekU5cHJlM201ckRZcllldUJhd1JxaVhqc1lnVzVQaW9jZEJ2M2dNd1ZVVjlUclhITE45eXE1N043Mk1sNkJfTW5JYmhRRy1rWEY5bU5tN1p6S1ZjbmZxTzNveDhNaVF2eGFGMUJROFhOTkIwdE5RRWkxRFN0UFlobmJNajZJcDROSmhES0c3WE1kWHhJckh2bExsc0IzaG1LWDVEYlg3amZKYWdOMFBkYzNNdVo2Zw?oc=5) · androidpolice.com
- 2022-01-31 [Schulenburg Junior Livestock Show Results - The Fayette County Record](https://news.google.com/rss/articles/CBMiiAFBVV95cUxONjVmbnhHVXV4ZkV6VmFLWmFGZGJfaUZJcHB0RkJyeXBTRFhvRU5KX3RMbi1vMGFOaXBtLWNUUU0xazI4dkJGUnRLMm1yZmlJaGc0Qk5rbEVXcXZEdDFmSTQzTmZSUUEzTFg0djFoX1hPOGQ2eDZCVEpSOU4xS240aWcxQVdfMGo5?oc=5) · The Fayette County Record
- 2024-02-05 [Schulenburg Junior Livestock Show 2024 Champions - The Fayette County Record](https://news.google.com/rss/articles/CBMilgFBVV95cUxQNE9fQ2M0aFE2dGdnMTdDeGZLQ2dMWGlxQ0ItRWlXNlhHMFBjZzdZNW5NM0JlbFRleHd3UXdIWFFGeDBpQnlBVVF6U1ZXSGpnMWZkSEE4OFc4TmY5M0F0MXJ1em14Sm1faTliVzJURnlMdWhQMmtVZ0QwcExDcXV2RXlycFN3SFhVWlNYT09jYURHZm5tZHc?oc=5) · The Fayette County Record
- 2024-02-05 [Schulenburg Junior Livestock Show 2024 Champions - The Fayette County Record](https://news.google.com/rss/articles/CBMimAFBVV95cUxQVnVXQkY0ajE0TFJJdmdoU2JYYXRiNWQ5NjJodGFqNW5oR2JGakoyblNNeXItbTVEUk9ZMnA0b0FzbXlqZDBybGNGWjQ4WjBESW85bmVMNzl1em0xYlA1aldzdUptb3pFQktCSVV2bXZiek54RjZ1RDZVLTRuYjJ4SVB4SldwMVYtbUo2eVVLanQ1S3k1aVVIYQ?oc=5) · The Fayette County Record
- 2021-08-12 [2021 Schulenburg Festival Parade - The Fayette County Record](https://news.google.com/rss/articles/CBMifkFVX3lxTE5MZ2xnRTdZSnJZNFA3MnhXMklwNVVGM0NPU2xxa1Q0SnRtVkVTWG81QTEtcVdNWjV4YWZpMklwaV9SRHY0ei1oQ1hNR2JoZG9uUnIyOC1SUFljdURaODdDQ0lPUVZ2Y2NrVndDQUlNd1llWmdKa0dGQXRveW9Gdw?oc=5) · The Fayette County Record

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=31936 (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/0.json (key "31936", 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