# FIRST NB OF EAST TEXAS
GILMER, TX · FDIC certificate 3218 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $594.8M | |
| Deposits | $536.7M | |
| Loans and leases | $416.0M | |
| Total equity | $55.5M | |
| Loans / deposits | 76.47% (p38 of band) | 82.04% |
| Liquid assets / assets | 24.48% (p49 of band) | |
| Uninsured deposits / deposits | 32.93% (p74 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.96% (p33 of band) | 10.81% |
| Unrealized securities loss / equity | -17.89% (p26 of band) | -8.10% |
| AOCI / equity | 0.27% (p88 of band) | |
| ROA (annualized) | 1.45% (p61 of band) | 1.28% |
| Net interest margin | 4.32% (p74 of band) | 3.91% |
| Efficiency ratio | 63.64% (p57 of band) | |
| Noncurrent loans | 1.58% (p84 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p15 of band) | |
| Reserve coverage of noncurrent | 85.87% | |
| Real estate % of loans | 77% | |
| Construction % of loans | 89.26% (p82 of band) | |
| Auto loans | $7.0M (1.69% of loans; DQ 3.15%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 0.7% | |
| Employees | 135 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | reserve under noncurrent |  |
| 2011-09 | 0 |  | reserve under noncurrent |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 1 | reserve under noncurrent |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 0 |  | reserve under noncurrent |
| 2013-06 | 1 | capital falling |  |
| 2013-09 | 0 |  | capital falling |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | reserve under noncurrent |  |
| 2014-06 | 0 |  | reserve under noncurrent |
| 2014-09 | 1 | reserve under noncurrent |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 3 | noncurrent p90, charge-offs p90 |  |
| 2015-06 | 2 |  | charge-offs p90 |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2016-09 | 5 |  |  |
| 2016-12 | 5 |  |  |
| 2017-03 | 4 | capital falling | deposits shrinking, assets shrinking |
| 2017-06 | 3 |  | uninsured deposits leaving |
| 2017-09 | 2 |  | capital falling |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 1 |  | noncurrent p90 |
| 2019-06 | 1 |  |  |
| 2019-09 | 2 | capital falling |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 3 | charge-offs p90 |  |
| 2020-06 | 0 |  | reserve under noncurrent, capital falling, charge-offs p90 |
| 2020-09 | 0 |  |  |
| 2020-12 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2021-03 | 2 |  | assets shrinking |
| 2021-06 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | construction >100% equity |  |
| 2022-06 | 3 | AOCI drag >20% of equity, securities losses >30% of equity | capital falling |
| 2022-09 | 3 |  |  |
| 2022-12 | 2 |  | construction >100% equity |
| 2023-03 | 0 |  | AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-06 | 1 | securities losses >30% of equity |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 0 |  | securities losses >30% of equity |
| 2024-03 | 3 | capital falling, charge-offs p90, construction >100% equity |  |
| 2024-06 | 2 |  | capital falling |
| 2024-09 | 2 |  |  |
| 2024-12 | 3 | securities losses >30% of equity |  |
| 2025-03 | 1 |  | construction >100% equity, securities losses >30% of equity |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 0 |  | charge-offs p90 |
| 2026-03 | 1 | reserve under noncurrent |  |
| 2026-06 | 1 |  |  |

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

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## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3218 (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/18.json (key "3218", 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