# STATE NATIONAL BANK OF TEXAS
IOWA PARK, TX · FDIC certificate 3270 · asset band <$300M · latest filing 2014-12 · 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 | $236.1M | |
| Deposits | $213.7M | |
| Loans and leases | $86.6M | |
| Total equity | $21.3M | |
| Loans / deposits | 39.98% (p11 of band) | 71.50% |
| Liquid assets / assets | 60.14% (p88 of band) | |
| Uninsured deposits / deposits | 28.07% (p90 of band) | 13.21% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.19% (p27 of band) | 10.45% |
| Unrealized securities loss / equity | -0.10% (p26 of band) | 0.49% |
| AOCI / equity | -4.36% (p0 of band) | |
| ROA (annualized) | 0.82% (p51 of band) | 0.81% |
| Net interest margin | 2.98% (p17 of band) | 3.66% |
| Efficiency ratio | 94.46% (p89 of band) | |
| Noncurrent loans | 0.70% (p48 of band) | 0.76% |
| Net charge-offs (annualized) | 0.04% (p50 of band) | |
| Reserve coverage of noncurrent | 193.88% | |
| Real estate % of loans | 69% | |
| Construction % of loans | 26.49% (p64 of band) | |
| Auto loans | $2.3M (2.66% of loans; DQ 2.82%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 5.8% | |
| Employees | 67 | |

## 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 | 1 | capital falling |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 0 |  | capital falling |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 2 | capital falling, reserve under noncurrent |  |
| 2014-03 | 1 |  | reserve under noncurrent |
| 2014-06 | 1 |  |  |
| 2014-09 | 0 |  | capital falling |
| 2014-12 | 0 |  |  |

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

- 2020-11-22 [Billye Shook Obituary - Iowa Park, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMiggFBVV95cUxPSFBJRmhmLTlUbTFweVNKU0tiWDZhUEtFWlpDVHRlVzBfdVhZS3ZIZWJxVW81ZFhzSnFqd3VJLXo5a181dC16TXM4b0FxSjYzeVBTcmhTdEN5MDlVVWhGdmZ2MzFBTUJWLUd0WUhsRktGaXlILTZtcV9CMjZTT0w2bk93?oc=5) · Dignity Memorial
- 2017-03-24 [Gary L. Schaefer - Times Record News](https://news.google.com/rss/articles/CBMipwFBVV95cUxQT25lNXhNSllId0k3UVFMTWdrUTl1Ym9ZOWlIME9zMGJSUk1JZ253RFpVdktDcmJ2RHo3UDNlQWREQXlaclRwWUVXb3FLckZBRExibEV5RVdFOF9LU0Y3QWZGZEhpQVBaNU04dGVSSFVBY2x2bGg1MHRQT2FaUFlUSXRMOHNFa29pMkM4MzdQd2tCcEgtX2JVNlpRTzR4MHNrdFJuX1ZYTQ?oc=5) · Times Record News
- 2017-08-02 [Shelby Leonard Martin - Times Record News](https://news.google.com/rss/articles/CBMisAFBVV95cUxNMkFESEYwUUJQUXkzYm51Z2Y3ck1hUTAtT0tGYWhpUzQ5MlRXQm44Rm1hcGVLdGpURGxDUUNZQTIwTzdRYlhzSGRXUHpNNV9QT1RkZWhPc1VfSkNaRFN4UEM5Q243amVMWHFzQzgzaXZTWTNCbndacGFJMkRpVHd0aEJ6NGtONjBGZERJeDRRZjAyRnRudzNPMTNuSnQxcmFIU1BXZWRlTWNmYk9EVGt3LQ?oc=5) · Times Record News
- 2018-03-24 [Lillian Callahan Obituary - Iowa Park, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMihwFBVV95cUxPZ0NjREdEbk8xcF9UME4yWVcxd1FtdUNNdmxubzRsVHR3X2hKOGd6M2VleTVOei1Qbkc3SC1PNFFJUTJUVGp0REJ3MXJoVmh3dGprSmhHV2lLOUNGWlloNTEtMEdKeEZxZ2p5MlBpWDVqbEthM1hvMWlCMGNGUHR0NDNGT2VJcnM?oc=5) · Dignity Memorial
- 2018-05-06 [Michael Culberson Obituary - Iowa Park, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNOU9KalhDaVlJbVhkT2JjUDhvSkdlSHpsWFNTdHhqWEVfZ0FWSnppX3V4Zl9lYllvdkZNOFhiUkxabTB4TFRiNmNibDR1SG44NVU3azFzX3E1bkdLWVZaYnFxSHNrdm5DdG9XZml2UDUxc0VTMU9lRkVqMFR5WlpKOWFYU2Z5c2Rl?oc=5) · Dignity Memorial
- 2016-11-22 [Matter of Record for Nov. 18 - Times Record News](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOYzQ5R29YS3JYZXNnZnhDVU1YNmhvTlpGZnJ2aFRsWm1xd0Mzc3YzM0NPT25GaE0xbEk1SnlqeVphdWxwWmw4cE1Mb3FacUYtS09tcjVhY2ZtU0tmWkIydGptQTBPVTFCRGxXUU5JZWd3aHU0R1NqdE1DY1RiLU1WMjdOcmY0WXZ4RDVFZ3VnRDVFWG5FYUxHLTR5RUM2eUpoV1Z6aU9FSUxzX2c?oc=5) · Times Record News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3270 (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/6.json (key "3270", 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