# FAYETTEVILLE BANK
FAYETTEVILLE, TX · FDIC certificate 3195 · asset band $300M-1B · latest filing 2025-06 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 6 (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 | $537.4M | |
| Deposits | $578.8M | |
| Loans and leases | $105.0M | |
| Total equity | $-46.6M | |
| Loans / deposits | 17.80% (p1 of band) | 81.31% |
| Liquid assets / assets | 75.71% (p99 of band) | |
| Uninsured deposits / deposits | 30.16% (p68 of band) | 24.97% |
| Brokered deposits | 13.21% | |
| Wholesale funding | 13.21% (p82 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.79% (p70 of band) | 10.49% |
| Unrealized securities loss / equity | – | -12.52% |
| AOCI / equity | – | |
| ROA (annualized) | -0.49% (p1 of band) | 1.11% |
| Net interest margin | 0.76% (p0 of band) | 3.64% |
| Efficiency ratio | 129.47% (p100 of band) | |
| Noncurrent loans | 0.00% (p5 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p45 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 76% | |
| Construction % of loans | – | |
| Auto loans | $581,000 (0.55% of loans; DQ 0.52%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (– of equity) | |
| Deposits YoY | -11.1% | |
| Employees | 26 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## 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 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | AOCI drag >20% of equity |  |
| 2013-09 | 2 | securities losses >30% of equity |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 1 |  | AOCI drag >20% of equity |
| 2014-06 | 0 |  | securities losses >30% of equity |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | NIM <2.5% |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | capital falling |  |
| 2017-06 | 1 |  | capital falling |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 3 | capital falling, AOCI drag >20% of equity |  |
| 2018-12 | 2 |  | AOCI drag >20% of equity |
| 2019-03 | 1 |  | capital falling |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | capital falling |  |
| 2020-03 | 1 |  | capital falling |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | capital falling |  |
| 2021-06 | 1 |  | capital falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 4 | capital falling, AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-06 | 0 |  | NIM <2.5%, capital falling, AOCI drag >20% of equity, securities losses >30% of equity |
| 2022-09 | 1 | assets shrinking |  |
| 2022-12 | 2 | NIM <2.5% |  |
| 2023-03 | 2 | noncurrent p90 | assets shrinking |
| 2023-06 | 6 | charge-offs p90, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2023-09 | 6 |  |  |
| 2023-12 | 6 | wholesale funding >15%, losing money, expense ratio p90 | noncurrent p90, charge-offs p90, assets shrinking |
| 2024-03 | 6 | brokered >10% | deposits shrinking |
| 2024-06 | 6 | capital falling | uninsured deposits leaving |
| 2024-09 | 5 |  | capital falling |
| 2024-12 | 5 |  |  |
| 2025-03 | 6 | deposits shrinking, assets shrinking | wholesale funding >15% |
| 2025-06 | 6 |  |  |

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

- 2025-07-01 [Cadence Bank Completes its Acquisition of Industry Bancshares, Inc. - PR Newswire](https://news.google.com/rss/articles/CBMivgFBVV95cUxNQWxRdFU4SWpsSll0TEFRZkZHa1l3Vlo1TUF0Q1AwdzF0cVg1aXBubWl2eGdTTmpsT2Rha3M0OVVwVjhQZy1GTDAxQXNxN29ja0dHSnNQM3IwRm5pMms4SHFtOWxyaFIwTnY3Mk9CM3dCbTgzc3FJbHByekdNLW1zMktiaEZka1I1dlM2NGpHaUFCZkdhMjhyc0hrNHYyZ2w1TDRWNTlkeWFWemJ4ZjdYUkRQM0pIWmtnR3puTEdR?oc=5) · PR Newswire
- 2024-11-20 [Texas bank holding company cited by Fed - Banking Dive](https://news.google.com/rss/articles/CBMihwFBVV95cUxQdzI3Z3hHX1ZWYjloT01jSm1VNmQwNU40WWJrcVNyckNvM3ZMeTQ1OElHcThqQnR0UkVvbFduYTFMVGtBRUhiV0NqTFRyUU12NW1wQlowYzBYcnBJWUtaVTBjQW80eW84LWFWX1EyYW84TFJ3cWl3ZkgzQUdVVWpWS0JvUG50c2s?oc=5) · Banking Dive
- 2025-07-07 [Candence Bank Completes Acquisition of Local Banks - The Fayette County Record](https://news.google.com/rss/articles/CBMikAFBVV95cUxOUE1ULTlNdHBqTjA2M3FLSDBvNXlreGxlaW5HYTQ1MklXM1pUbVJnSnBwYm9acy05S1pZOHRHMEFLdUw1Nll2bEJGcEtTOS1mU0JLaE5iMHJwRWplUXFiZUh5R3hPSDcyYmkxUUs3Tm54Y1N4MmIySW5OcXk2NVd5M0lJLUNwMEdUcXRpRWtKUjU?oc=5) · The Fayette County Record
- 2025-04-28 [Cadence Bank to acquire Industry Bancshares, expand Texas presence - Equipment Finance News](https://news.google.com/rss/articles/CBMivwFBVV95cUxNN2NvM29FUThoVUpFUi1EWkNhbUNvV2hsVWdwTkx2VkJUN0MxeFFhRmsxSjQzMTBhRGlua0NzaXpmYURjX3BrTUE0VWtISzk3MEEtaTN3eXNMM2dkaEFNajRKNHFGTl9XLXhLX1JMcDI5V1c3QWNwdmkyTVlUZHFaQXd2V2JTVXdRWElWT1VJWFItRE9OU0VYOWY0bWtoVUUwb0FLblp4Z192dmhKVUw0MzFrTVNoTTEydllwc2Fkdw?oc=5) · Equipment Finance News
- 2025-07-23 [Cadence acquires Shiner bank, several others in area - Lavaca County Today](https://news.google.com/rss/articles/CBMijwFBVV95cUxQU1F3Y0ExaWtpRWdlcDRpNUNyQjRTN3hnb182WkRIUE5kTHIzYnBCRVlQbFJfUV9qTkQ3SUdod2VnLUY0NGVTbTh4QWZ1X1d3alpFR1JiZXRTTGVGZXVTMktRcnhVcTFmd2JnYVpsdk1SMU1ITGpmblI2dzdFN1lXQVdBd3JNVEZXbEVuVXoxOA?oc=5) · Lavaca County Today
- 2024-11-19 [Troubled Texas bank gets another wrist-slap from regulators - American Banker](https://news.google.com/rss/articles/CBMimwFBVV95cUxPelZzcnVfUVY1T2lkdnBaYklkQUZSV3ZkQzJncXJxOExONVlsLURLQl9Lc3I3WU4yc0JLVUVITFlRTW8wWFhNX1ltY2JaSGlNRFRuLWtVOV9aTDVLLTZZWnloZVJ2QTg1QzV4ajQzT2laUjZjSE5HbXhsVHNMTmRqWVZXYVRyay1LMm8yLWI0T3YzZm0ySUhLT3hJQQ?oc=5) · American Banker
- 2024-10-28 [FDIC hits 3 banks within embattled Texas parent firm - Banking Dive](https://news.google.com/rss/articles/CBMipwFBVV95cUxNZnRidTBvbUsyaF9rVFhqWWxqUU00YkpFN1h4Z0ZIUU95SThMeE5VVy1vblNOZC1hWFdPbVRDdWFmZENyeFJrNXdfTnp3dXpkeDBjcWctcGpFLUFmODFxMHFUaDBzZHFhbHNycU5iM3pHaFlTbnVydlJxRF8yN3lvaWgzcVN4UjZlVlRjajhJV2FYZzhrODVSdEhFZ3Zab2RGbDRtTVNjMA?oc=5) · Banking Dive
- 2026-01-29 [Fayette Savings Plans Late-February Opening in Fayetteville - The Fayette County Record](https://news.google.com/rss/articles/CBMinAFBVV95cUxPaDBCQllGVWh1dmxidnNiZXJrUDItVDZHVFVzNDBMSEFWZTgxTlY5dVduNHhXTVlKdlVka3l3TlhvLWtzeUJEUkhOejhsYWVQOVgwMTBmcjVzd0JkZ004T19PV2Nmb2t5VnliSU4xMnY1aUdfZzF6bGhDaWV0dmh4TkNWb1cxd0I5WUZVUUFyRXVPazJxbXAxd0dCZkw?oc=5) · The Fayette County Record

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3195 (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/59.json (key "3195", 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