# JACKSBORO NATIONAL BANK
JACKSBORO, TX · FDIC certificate 3275 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. 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 | $283.2M | |
| Deposits | $256.0M | |
| Loans and leases | $145.3M | |
| Total equity | $23.7M | |
| Loans / deposits | 55.86% (p25 of band) | 73.59% |
| Liquid assets / assets | 44.29% (p70 of band) | |
| Uninsured deposits / deposits | 27.12% (p75 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.76% (p52 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.42% (p45 of band) | 11.76% |
| Unrealized securities loss / equity | -44.08% (p8 of band) | -6.57% |
| AOCI / equity | -3.08% (p5 of band) | |
| ROA (annualized) | 1.46% (p66 of band) | 1.17% |
| Net interest margin | 3.93% (p50 of band) | 3.93% |
| Efficiency ratio | 67.43% (p55 of band) | |
| Noncurrent loans | 0.01% (p25 of band) | 0.36% |
| Net charge-offs (annualized) | 0.03% (p74 of band) | |
| Reserve coverage of noncurrent | 19133.33% | |
| Real estate % of loans | 76% | |
| Construction % of loans | 34.36% (p68 of band) | |
| Auto loans | $2.6M (1.78% of loans; DQ 2.48%, NCO 0.02%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -0.3% | |
| Employees | 50 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)

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

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

- 2026-01-05 [Bobbie Porter Obituary (1934 - 2025) - Jacksboro, TX - Jacksboro Herald-Gazette - legacy.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxOcE5xTjNEQVU5R05tamd3QnFsZERhTEZoc3F1dFJrQW5IV3g1b2RVZUxnakhlNGVzanZIRGh0bUtEdXlrMy1LTkRKRjNFRy1YT2dHS1NEZ0F4SGQ3QlBwU0c2SW14Y3dkSVNRX2hfZ2h1UmdPQlNBZFFQVGF6N0o0RGFVQkU4dmJMbHhhbjZGeTlOcDF4MVJ4c3d1NFQ?oc=5) · legacy.com
- 2023-01-20 [Jacksboro National Bank promotes staffers - Times Record News](https://news.google.com/rss/articles/CBMimwFBVV95cUxNQllIZnM5MTI0V1ZuWlBQU0NTOWxIRFdVS0JmVUpGeEpIV1l2MXlndHh6cWk4cWRQQ0N1a0VEZzNPTy1xNWt6MVcxUHNOeE43c0h4WFBaZFNxZTZxTjVjNERTb25kYTREa1F6OGpSYXhiaWw0NTB5N3ZOTU5EcldmSWVscXZmZktEWXplNTRxZFhPTU84V1BvZDNodw?oc=5) · Times Record News
- 2025-09-21 [Donald Craig Smith Obituary Sep 21, 2025 - Hawkins Funeral Homes](https://news.google.com/rss/articles/CBMiakFVX3lxTFBJcm5taGZNdFBDU2dyU2N0aVdDdDlSTHBSQW9rQUl1MzgwWVZpUTg0QlprMHNxYVM1QkswOXgwcnBjRnhyMHVMOXh1X3hlNWdaNTk0MkJoQXJWTXE5OW84a0pHbzZmc05OVnc?oc=5) · Hawkins Funeral Homes
- 2022-03-22 ['Amazing that the dogs survived:' How to help Texas animal shelter hit by EF-3 tornado - FOX Weather](https://news.google.com/rss/articles/CBMikAFBVV95cUxNdHkzeF9scUMtZ0dubDNKajRycGVNUzNPalFFdl9INkFWNHNQc0ZBY0xHTnlzc2p3Wi1Qbjh5TnlaYTJJQVRydGNsRHZiaFZkNnpwam1fbnNBMmQzdXVXcllfSVdmZi1rNTlJS3ZaVi1UZzNXTnlPNnVFTjN3NDQ3VUxBbHNZbUUxTnpCQWJTWUjSAZYBQVVfeXFMT1BkVDE4QW9nOUFOTmw0VU1lRjQ2dGJ6MWo0NjFIOGFDNkRtYm1YOG9nbi1QMTFsdjlDN0FKVUlISTNHNmlfVVpkeXByNHBycF9iamRNdUM1cHRrNzdodFlOc2kxOTA1N2NzblBMUTI5akNzeW1WZGNXTmNOdWU2enh2enNwUk1EUlNUN3ZTTDJralJSdFBB?oc=5) · FOX Weather
- 2010-05-04 [Lee Cook Obituary May 4, 2010 - Memorial Oaks Chapel](https://news.google.com/rss/articles/CBMiZEFVX3lxTFBuQmRWUFVIbTZ0S2NkUlk0c3RaMTNtaG9Ja2ZTRjlqaGFzQ0xGOTlyZWdIY19qMkRBNEQza2tTT2I1WUJLMEFtVUFDWThlcXk3SV9IMUR6VHN0R2ZfZ3pLWkJVWXE?oc=5) · Memorial Oaks Chapel
- 2022-03-30 [Jacksboro begins return to normal after tornado - Times Record News](https://news.google.com/rss/articles/CBMirwFBVV95cUxNdVpXVktKR21sZXFpdWhkSDVESHhuRjZGTm42Uno3VWtkcjlkWjBYNkpLeWdmNWtvWkFDbE5CTkdOOUx1VmZ2d2tjaVhzUlRmQlBJbWFfUGx3Zmk5aXczYkVWU0d2Vm5PMWlNdHlSLWxSdXdOdTlZYUt4UVhucm9GWlBpMnpvWVFWR3psUjEzMnU0NF9Ibk1YT2R4dDJDanJtYUFYcmIxSmlDV3hSSEtF?oc=5) · Times Record News
- 2024-02-27 [Mary Maxey Obituary (1929 - 2024) - Jacksboro, TX - Jacksboro Herald-Gazette - legacy.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxQS3VRNHliOXA3cmVSUV9wVDcyY3VNb0hlWUVMcDVHRnBMaFgteFNjTW00UFJULUdaVFR0SjBSX0FiMnB0TFpsamNPaGJOMm9LV1RjZldpdlpXVTZTb1FZWnl4UXBGcURDRjl1WDZoRzNPTWNya25wX3duN3Mwd0t0SjMtWjh4V1Y3bU5wRjgxVmZZemhsZ3VhWA?oc=5) · legacy.com
- 2017-12-23 [Monroe Henderson Obituary (1934 - 2017) - Fort Worth, TX - Star-Telegram - legacy.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOQ0w0VHJJbm1CRjRKQnh6V1ZXaU5oMnVLSUM0N1FpZEZ6LXYtNGRDUkR2RlZnZ0pmQkJrTGZadmFBR1lVd2tLSTVqLWZ6TkNTNi1aVklMdVluaEM1dWwtaFVuX2cwcTN1aUpBakV3emYwV3VoN3lxN29KZDVKdWxlQXBZNC1OcVVnbXE0?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3275 (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/11.json (key "3275", 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