# OGLESBY STATE BANK
OGLESBY, TX · FDIC certificate 3371 · asset band <$300M · latest filing 2015-03 · stopped filing (departed)

**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 | $13.5M | |
| Deposits | $12.1M | |
| Loans and leases | $11.2M | |
| Total equity | $1.4M | |
| Loans / deposits | 91.35% (p86 of band) | 70.43% |
| Liquid assets / assets | 16.74% (p13 of band) | |
| Uninsured deposits / deposits | 6.11% (p17 of band) | 13.33% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p19 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.49% (p50 of band) | 10.49% |
| Unrealized securities loss / equity | 0.00% (p16 of band) | 1.32% |
| AOCI / equity | 0.00% (p15 of band) | |
| ROA (annualized) | 0.85% (p54 of band) | 0.80% |
| Net interest margin | 5.45% (p98 of band) | 3.57% |
| Efficiency ratio | 85.92% (p77 of band) | |
| Noncurrent loans | 0.15% (p23 of band) | 0.77% |
| Net charge-offs (annualized) | -0.03% (p14 of band) | |
| Reserve coverage of noncurrent | 805.88% | |
| Real estate % of loans | 54% | |
| Construction % of loans | 38.41% (p75 of band) | |
| Auto loans | $1.1M (10.08% of loans; DQ 5.42%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -7.6% | |
| Employees | 3 | |

## 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 | 2 | liquid assets <10%, auto book souring |  |
| 2011-06 | 0 |  | liquid assets <10%, auto book souring |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | capital falling |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving | capital falling |
| 2012-09 | 1 |  | assets shrinking, uninsured deposits leaving |
| 2012-12 | 0 |  | deposits shrinking |
| 2013-03 | 2 | capital falling, deposits shrinking |  |
| 2013-06 | 0 |  | capital falling, deposits shrinking |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | charge-offs p90 |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 2 | deposits shrinking, assets shrinking | charge-offs p90 |
| 2014-12 | 1 | charge-offs p90 | deposits shrinking, assets shrinking |
| 2015-03 | 2 | deposits shrinking, assets shrinking | charge-offs p90 |

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

- 2015-12-31 [Doris Sullins Obituary Dec 31, 2015 - Scott's Funeral Home | Gatesville, TX](https://news.google.com/rss/articles/CBMiVkFVX3lxTE1RZGVrdzI5dlhGNjEyeG9kY2EtWTRSYmhYZFpuTEhlZkMyUUo5U2dsUGswdWwtZU5WYVItWkpXU2RfQ1dUWFlKbENINTNxM2pmQ2hBQnN3?oc=5) · Scott's Funeral Home | Gatesville, TX
- 2022-04-02 [Donald McClinton Obituary April 2, 2022 - Grace Gardens Funeral Home & Crematorium](https://news.google.com/rss/articles/CBMiakFVX3lxTE03SEYwUUhDZDVxMGpWcjh2NlJMSG1Hc1dmdFZFck1mS2pXVjFaOURKSUNMN21nWUpsb1N3UThiN1NkOUpPaGdULUdOSkZMZEJ6MmFQZlltWXVkR1JTVEszOTYwQ0loVDM5UWc?oc=5) · Grace Gardens Funeral Home &amp; Crematorium
- 2013-02-22 [Run rattlers: Oglesby on the hunt during annual roundup - The Baylor Lariat](https://news.google.com/rss/articles/CBMilgFBVV95cUxNaWFFdkNVclJERERZRTd1dV81aDZLeXI5YUN4YjF6bkNNT3BYYjlaN05mQTdYQWEwbHRDdXVZal83QXRMbS1EdEJkNTdZbDFaTmcwMm4yNnJSaFYtZE5yZkVJMzM1dnkxaGZVZ3FFVEE0ODRtSkZ3YmhUd2M4NGt2YUMzT2E3clBjXzhtZnduXzkydGRsM1HSAZ4BQVVfeXFMT3Z4OEFBTV8zOUpobldzSEs4alpTY1kzcnpjLVpNdVhZa3FfOXQtNVRzZVpzeDdsbnIyZm1RM3JLWHZRRjFRSkFGZFE2S0NuWFhRRzJaVXJuckNXVWNYSkZwOWFMNnY1eDZQbGhOTnNrS1B1Y0FNYjNKUG5hc3d5dUd4WjFtWERiWk8xM19OV2tzOW5JeVJWbndyMndsd2c?oc=5) · The Baylor Lariat
- 2021-12-12 [Vernon Welch Obituary (2009) - Waco, TX - Waco Tribune-Herald - legacy.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxPaV9JSTZHNFpUMHBTOEwyNkthZGNhdXdIMjhSYkhoaGdnUTM4cU90NkF4Y1dHbU9wSDVEMmRTTFRFSlZ3RTJraXpqMGRIYkFycmdkWXprbERTMkJvMHlzVVRBRXBKc0R1dmZ6LV9NNlg1NGN6em42ZmtZX1JGWjVBVFl4Rm1KMTdPcnp3ZA?oc=5) · legacy.com
- 2011-02-19 [Billie Sullins Obituary - McGregor, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMigwFBVV95cUxOZEdnTWk5d1VNMG44ZmZTMGtJZnBYRDgzSEhuUlhlckZ6X1V2QUZlTEZOZHl2NzJtbzNJZGgtdG1mZVlYMy1lRHZVWHctYWVmc296MnlwMkJmSE91N05GdFJ4SlhfZG1hZmZRZDZ3eGt0d1N2OTQyQ3U3NFpKNnBwaEdTcw?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3371 (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/43.json (key "3371", 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