# STATE NATIONAL BANK
GROOM, TX · FDIC certificate 3237 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. 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 | $55.1M | |
| Deposits | $47.7M | |
| Loans and leases | $43.8M | |
| Total equity | $7.4M | |
| Loans / deposits | 90.29% (p80 of band) | 73.59% |
| Liquid assets / assets | 17.49% (p16 of band) | |
| Uninsured deposits / deposits | 29.33% (p80 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.60% (p59 of band) | 11.76% |
| Unrealized securities loss / equity | -1.26% (p75 of band) | -6.57% |
| AOCI / equity | -0.56% (p42 of band) | |
| ROA (annualized) | 0.83% (p31 of band) | 1.17% |
| Net interest margin | 4.38% (p71 of band) | 3.93% |
| Efficiency ratio | 87.67% (p87 of band) | |
| Noncurrent loans | 0.35% (p50 of band) | 0.36% |
| Net charge-offs (annualized) | -0.06% (p4 of band) | |
| Reserve coverage of noncurrent | 517.42% | |
| Real estate % of loans | 61% | |
| Construction % of loans | 18.60% (p51 of band) | |
| Auto loans | $520,000 (1.19% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -9.3% | |
| Employees | 9 | |

## Flags firing in the latest filing

- **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 | 1 | reserve under noncurrent |  |
| 2012-03 | 2 | capital falling, uninsured deposits leaving | reserve under noncurrent |
| 2012-06 | 1 |  | capital falling |
| 2012-09 | 0 |  | uninsured deposits leaving |
| 2012-12 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2013-03 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2013-06 | 1 | reserve under noncurrent |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 2 | charge-offs p90 |  |
| 2014-09 | 3 | noncurrent p90 |  |
| 2014-12 | 2 |  | noncurrent p90 |
| 2015-03 | 7 | capital falling, losing money, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2015-06 | 4 |  | capital falling, losing money, uninsured deposits leaving |
| 2015-09 | 5 | uninsured deposits leaving |  |
| 2015-12 | 4 |  | charge-offs p90 |
| 2016-03 | 4 | capital falling, losing money, charge-offs p90 | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2016-06 | 2 | expense ratio p90 | reserve under noncurrent, capital falling, charge-offs p90 |
| 2016-09 | 1 |  | losing money |
| 2016-12 | 3 | deposits shrinking, assets shrinking |  |
| 2017-03 | 2 |  | expense ratio p90 |
| 2017-06 | 1 |  | assets shrinking |
| 2017-09 | 2 | assets shrinking |  |
| 2017-12 | 1 | expense ratio p90 | deposits shrinking, assets shrinking |
| 2018-03 | 0 |  | expense ratio p90 |
| 2018-06 | 1 | capital falling |  |
| 2018-09 | 0 |  | capital falling |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | expense ratio p90 |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | deposits shrinking, assets shrinking | expense ratio p90 |
| 2020-06 | 1 |  | assets shrinking |
| 2020-09 | 0 |  | deposits shrinking |
| 2020-12 | 1 | capital falling |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 2 | expense ratio p90, uninsured deposits leaving |  |
| 2021-12 | 1 |  | expense ratio p90 |
| 2022-03 | 0 |  | uninsured deposits leaving |
| 2022-06 | 2 | capital falling, expense ratio p90 |  |
| 2022-09 | 1 |  | capital falling |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 | capital falling | expense ratio p90 |
| 2023-06 | 2 | deposits shrinking, assets shrinking | capital falling |
| 2023-09 | 5 | expense ratio p90, noncurrent p90, charge-offs p90, reserve under noncurrent | assets shrinking |
| 2023-12 | 5 | losing money | deposits shrinking |
| 2024-03 | 6 | deposits shrinking, uninsured deposits leaving | noncurrent p90 |
| 2024-06 | 4 | capital falling | reserve under noncurrent, deposits shrinking, uninsured deposits leaving |
| 2024-09 | 4 |  |  |
| 2024-12 | 3 |  | charge-offs p90 |
| 2025-03 | 4 | charge-offs p90 |  |
| 2025-06 | 4 |  |  |
| 2025-09 | 4 |  |  |
| 2025-12 | 4 |  |  |
| 2026-03 | 1 |  | expense ratio p90, losing money, charge-offs p90 |
| 2026-06 | 2 | deposits shrinking, assets shrinking | capital falling |

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

- 2026-08-17 [Texas banks sharpen their focus as outsiders keep moving in - American Banker](https://news.google.com/rss/articles/CBMimwFBVV95cUxPZGROdW9xU0RHUmp2WkVwcmcwUnpqYkhuMjhGeGd6MVFjZkdMTVVsZl9BUU5lc3ZhMlgzM2ppVzVodWlocG9YSnljN3otS3BTME1aM2RIOFNubFZjZlZ6S1N4MXJaTmZDQlhFaFdkOTBuVktUcWZwUlg2Yy1zVUxBdW9ZU0lEcHlhMXpsRnhWRXhZa3FqYWlnQzJlcw?oc=5) · American Banker
- 2026-01-09 [Bank officer promoted in Wichita Falls - Times Record News](https://news.google.com/rss/articles/CBMirwFBVV95cUxPRXM1aUZSUE5LVGlySFBTNXZ1MDN3VGh5c3c1S3ZISDlDSXBxMTBSV0dEQ2xIbjFmNXpPY2w1S25idVlQR0txUi1EYkZ2eS05Rm4zUGRpRXlGRUJjSzVKeTBLSHF4QXZpdlh1bVFFTm1STFVxX0MyM3lnVzlMMThYZVJkSTFLZS1HZjV4UTQxbW5IbGlYZ1lOWjdwZnZHSzBaWXBBSFNPd3ZMcjVtVFE4?oc=5) · Times Record News
- 2017-06-19 [BBVA in the U.S.: A story of building, learning and leading - BBVA](https://news.google.com/rss/articles/CBMic0FVX3lxTE1haEw4R3VrZF80Xzg1VUtRT1BKR25xTDkyaUVDdUVEeFMwVEJxRmQ0M2lmTEpMWmpybWdoMjFaQy1CSV9lWWMtLWMyNWwxaWJsRnptUTJ3WUNGemx6ZFZhVWJ2YWJrMUtDRzJ0Z2tZeklBU3c?oc=5) · BBVA
- 2023-01-25 [Texas holding company acquires State National Bank of Groom, Amarillo location - Amarillo Globe-News](https://news.google.com/rss/articles/CBMitgFBVV95cUxPcVA2RXhqZ0pHNmJMbDlhSnBzR09MWTN5aVYyZGVjQkNnbkV1NGNnRnNkbkZwdm5pQUVqYTlyNjBHTDhORW0xWk94NVIxRExKM1BZMmR6b2IxZi1seHozSUhlbkc2eUZVVWJ4b1VzdkFkcGhVQU1oeldheC11R1dhLXh0UnRONGpERElSeGU0VDh3dWhpZnNabnFadXdrMU5SdGhzY0NsbzdsSXJoT05jUzdVbWVSQQ?oc=5) · Amarillo Globe-News
- 2015-07-24 [State National Bank v. Lew - cei.org](https://news.google.com/rss/articles/CBMiZEFVX3lxTFBtdVJyamsxZEp2X2F5RFNlZzA5M2hZUU16VzBzMGx3NGxqei1ObVNra0hnbjVEelA1UG9JMFF6Yi1wQVI2UW4wMDBucEZtVFpUMHg5bGVBamNsTkRqNlgyUmYxNlU?oc=5) · cei.org
- 2018-09-07 [Texas Bank Petitions Supreme Court on CFPB Case - National Mortgage Professional](https://news.google.com/rss/articles/CBMinAFBVV95cUxNN2ZhTzBqU0hGYXVUYzV5QktobFhPUFZzWEd6UTJJTVFUZXJvUG9PaGF5MjdFSXVXSzZ0dEQ1UXdBM1pvZlFUbmVPV1JOVW1oUHBTd19scTdGa20yYVoyVUg1cU5TYWdsYUZ4OVEwS0VKOUM3NFhESVhDSk5QWEoyVkczaGswM2xEN2IwME9qRGlQQkU4cnFQWThwNG8?oc=5) · National Mortgage Professional
- 2012-11-27 [CFPB moves to dismiss case challenging Director Cordray’s recess appointment - consumerfinancemonitor.com](https://news.google.com/rss/articles/CBMixAFBVV95cUxQSUpBYllIempIcDZJVERKdHl3WEVQSEd2dDlXOENyX2RGTDhEUGtjVHZ6cVIxa044TW54TGIyNkRjdjQzbGVzeGhmS2wyaDQ1TjRJOF8yT0laTGNEMG53cHVveElwVU5qbUFKN0Rfb2NtdDlockktOFRNVUtjUmtEcHhCa005a1NKT3h3ekVIQTUwQmUyTkxTMFJ1ZmVtODZyNTJfZGpxRTVaNkFUNnlGVUdoNjBBZ1M2THRlZGNJMmVMSEJa?oc=5) · consumerfinancemonitor.com
- 2016-07-16 [A banker’s perspective on US Exim - Global Trade Review (GTR)](https://news.google.com/rss/articles/CBMifkFVX3lxTE5lUnpSLVJSSGtFaVFSbTNLeTJsN2hOU2NRc2pJbzFuYlVCb3RwRjgzMS1DTDlPZGhQS1ppRE44ekw3UGVwcTVYZnhSLVdLWXRuUXRwWkgxaDYtMlJlSFBuWVlqVkdZZ1h6MlVZaDB0MDA5RXdIWmhSVjh0LU8tdw?oc=5) · Global Trade Review (GTR)

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3237 (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/37.json (key "3237", 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