# FIRST NATIONAL BANK OF HICO
HICO, TX · FDIC certificate 3253 · asset band <$300M · latest filing 2013-06 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $41.8M | |
| Deposits | $36.8M | |
| Loans and leases | $12.9M | |
| Total equity | $4.9M | |
| Loans / deposits | 34.36% (p7 of band) | 68.67% |
| Liquid assets / assets | 68.52% (p94 of band) | |
| Uninsured deposits / deposits | 8.91% (p36 of band) | 11.61% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.13% (p64 of band) | 10.18% |
| Unrealized securities loss / equity | 8.07% (p98 of band) | -0.21% |
| AOCI / equity | -7.48% (p20 of band) | |
| ROA (annualized) | 0.93% (p61 of band) | 0.77% |
| Net interest margin | 3.17% (p28 of band) | 3.59% |
| Efficiency ratio | 76.49% (p56 of band) | |
| Noncurrent loans | 0.00% (p5 of band) | 1.13% |
| Net charge-offs (annualized) | -0.03% (p9 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 67% | |
| Construction % of loans | 0.00% (p7 of band) | |
| Auto loans | $1.4M (11.19% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 1.9% | |
| Employees | 12 | |

## 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 | 1 | capital falling |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |

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

- 2023-10-18 [Marlene Moore Obituary - Arlington, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMihAFBVV95cUxPMXBRT25FaWlwLWJfRFBUdXc2b2VRNjdoVk1BQTlBdzZxQXAyWksxTWdHakdTVGVEeUJsTGNyRGJIU29GRG1ZekMzUUMxdTdINkxaRnpSVHdkNHR6SDJOWmRSZ09QY2Q2MHRjUVNNOE03ajIwN1IzeV9NSlM3SUV3cERTalI?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3253 (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/53.json (key "3253", 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