# HAMLIN NATIONAL BANK
HAMLIN, TX · FDIC certificate 3244 · asset band <$300M · latest filing 2017-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (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 | $88.1M | |
| Deposits | $72.7M | |
| Loans and leases | $34.7M | |
| Total equity | $14.7M | |
| Loans / deposits | 47.44% (p15 of band) | 73.48% |
| Liquid assets / assets | 57.11% (p87 of band) | |
| Uninsured deposits / deposits | 14.49% (p49 of band) | 14.60% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p19 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 17.04% (p91 of band) | 10.87% |
| Unrealized securities loss / equity | -0.08% (p59 of band) | -0.29% |
| AOCI / equity | 0.63% (p66 of band) | |
| ROA (annualized) | 0.64% (p36 of band) | 0.83% |
| Net interest margin | 2.97% (p17 of band) | 3.63% |
| Efficiency ratio | 82.82% (p76 of band) | |
| Noncurrent loans | 3.50% (p93 of band) | 0.63% |
| Net charge-offs (annualized) | 0.21% (p91 of band) | |
| Reserve coverage of noncurrent | 19.98% | |
| Real estate % of loans | 35% | |
| Construction % of loans | 2.15% (p21 of band) | |
| Auto loans | $811,000 (2.33% of loans; DQ 4.19%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -0.9% | |
| Employees | 24 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 3 | capital falling |  |
| 2012-03 | 2 |  | capital falling |
| 2012-06 | 1 |  | noncurrent p90 |
| 2012-09 | 1 |  |  |
| 2012-12 | 2 | expense ratio p90 |  |
| 2013-03 | 1 |  | expense ratio p90 |
| 2013-06 | 1 |  |  |
| 2013-09 | 2 | noncurrent p90 |  |
| 2013-12 | 3 | capital falling |  |
| 2014-03 | 2 |  | capital falling |
| 2014-06 | 2 |  |  |
| 2014-09 | 3 | charge-offs p90 |  |
| 2014-12 | 3 |  |  |
| 2015-03 | 3 |  |  |
| 2015-06 | 2 |  | charge-offs p90 |
| 2015-09 | 3 | deposits shrinking, assets shrinking | noncurrent p90 |
| 2015-12 | 4 | capital falling |  |
| 2016-03 | 3 |  | capital falling |
| 2016-06 | 3 |  |  |
| 2016-09 | 4 | noncurrent p90 |  |
| 2016-12 | 6 | charge-offs p90, uninsured deposits leaving |  |
| 2017-03 | 3 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |

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

- 2017-06-02 [Lubbock business bulletin board - Lubbock Avalanche-Journal](https://news.google.com/rss/articles/CBMisAFBVV95cUxPaGNKcVRuR3RfQWNVem1pQ0s4LUU3SjlrLWdMZ09kOGR6NWJOTWRBZHdJQ0ozOThfMUx6SlltZkJnTXI4Y0dTamM2RjRSaWJ0NTNjR1dSQmpveDlDYm5oZUxDRWFNZDJFSm80UnBoUEVCLXRxdDQtcnRKY1huWjNUWmJ1c0xFdlY4WDVhLVVQMjRkblQtSzBnYldlSHRITDBtb1pPT3dCZUNWcGd0MzhvWQ?oc=5) · Lubbock Avalanche-Journal
- 2025-07-14 [Bertie Jame Kinard Obituary - Abilene Reporter-News](https://news.google.com/rss/articles/CBMiYEFVX3lxTFBDenROSG1IWlVoLVI2Smoybk1GeEp4cjNLT3BYUXdFUmstZjMtVXA4VFg3dVJkdzlsdDFpcXBIcDRlbW1SN0JlbUYwYkVQTFdwTzI2a1RBdUZHNHo3el9YNA?oc=5) · Abilene Reporter-News
- 2015-03-13 [Sarah Mitchell Obituary (2015) - Hamlin, TX - Abilene Reporter-News - legacy.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxPU2tqYlJKVjFCN3lEUFNpVGd5eWg1YmxUT2VjSmN4cGFZbjdxMmhIT05NSjZSRTlENi12anJzMHB4TTRWR2Y1Vi1JcDkzT0tPeURFNmJ0Qkk5V1Z5cUFCd1ZYMWpJam1KeGU5cUxmWVBwbjFFLVdfVXl2RVdkaDRxZUlLYXJxNzlHczNLcWFBZ1VOYzFl?oc=5) · legacy.com
- 2017-06-14 [Rosa Gonzalez Obituary (1935 - 2017) - Hamlin, TX - Abilene Reporter-News - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxQSG1BckFTS2c4allSUWR5YWxaUC1VZnJzT1ppNXo2dVludkJWeW05Y2ZEY2JYOVhMcUFXVE9seVlYVVVUVnJlU3c2YXBvU0FLN3dicHBwa2puWmRxc2hPcjNLUXZIZ1hSNXZUUW9UREJXSHlYVDVVRFFYNVhPellia1pNQzRqNXBXLU1xczlHa0Zhdw?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3244 (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/44.json (key "3244", 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