# FIRST NB OF PADUCAH
PADUCAH, TX · FDIC certificate 3377 · asset band <$300M · latest filing 2019-09 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 6 (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 | $43.9M | |
| Deposits | $39.4M | |
| Loans and leases | $29.6M | |
| Total equity | $4.4M | |
| Loans / deposits | 74.19% (p43 of band) | 77.79% |
| Liquid assets / assets | 29.18% (p49 of band) | |
| Uninsured deposits / deposits | 20.44% (p68 of band) | 15.94% |
| Brokered deposits | 12.10% | |
| Wholesale funding | 12.10% (p88 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.08% (p27 of band) | 11.56% |
| Unrealized securities loss / equity | -0.07% (p11 of band) | 0.80% |
| AOCI / equity | 7.11% (p86 of band) | |
| ROA (annualized) | -0.19% (p4 of band) | 1.05% |
| Net interest margin | 4.21% (p72 of band) | 3.84% |
| Efficiency ratio | 94.97% (p94 of band) | |
| Noncurrent loans | 0.63% (p54 of band) | 0.56% |
| Net charge-offs (annualized) | 0.28% (p93 of band) | |
| Reserve coverage of noncurrent | 199.47% | |
| Real estate % of loans | 49% | |
| Construction % of loans | 22.37% (p58 of band) | |
| Auto loans | $1.1M (3.59% of loans; DQ 0.56%, NCO 0.06%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -9.3% | |
| Employees | 18 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **charge-offs p90** (`aq_nco`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | NIM <2.5%, noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 4 | losing money, charge-offs p90 | noncurrent p90 |
| 2011-09 | 4 |  |  |
| 2011-12 | 4 |  |  |
| 2012-03 | 3 | capital falling | losing money, charge-offs p90 |
| 2012-06 | 5 | losing money, deposits shrinking, assets shrinking | capital falling |
| 2012-09 | 4 |  | losing money |
| 2012-12 | 5 | losing money |  |
| 2013-03 | 6 | noncurrent p90, uninsured deposits leaving | losing money |
| 2013-06 | 6 |  |  |
| 2013-09 | 6 |  |  |
| 2013-12 | 7 | losing money, expense ratio p90 | uninsured deposits leaving |
| 2014-03 | 6 | capital falling | deposits shrinking, assets shrinking |
| 2014-06 | 5 |  | capital falling |
| 2014-09 | 5 |  |  |
| 2014-12 | 4 |  | noncurrent p90 |
| 2015-03 | 6 | capital falling, noncurrent p90 |  |
| 2015-06 | 4 |  | capital falling, noncurrent p90 |
| 2015-09 | 2 |  | NIM <2.5%, losing money |
| 2015-12 | 3 | losing money |  |
| 2016-03 | 3 |  |  |
| 2016-06 | 2 |  | losing money |
| 2016-09 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2016-12 | 2 |  | expense ratio p90, deposits shrinking, uninsured deposits leaving |
| 2017-03 | 3 | capital falling, losing money, expense ratio p90 | reserve under noncurrent, assets shrinking |
| 2017-06 | 5 | brokered >10%, wholesale funding >15% |  |
| 2017-09 | 5 |  |  |
| 2017-12 | 5 |  |  |
| 2018-03 | 4 |  | capital falling |
| 2018-06 | 3 | uninsured deposits leaving | losing money, wholesale funding >15% |
| 2018-09 | 3 |  |  |
| 2018-12 | 2 |  | uninsured deposits leaving |
| 2019-03 | 7 | capital falling, losing money, noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2019-06 | 5 | deposits shrinking | capital falling, noncurrent p90, charge-offs p90 |
| 2019-09 | 6 | charge-offs p90, assets shrinking | reserve under noncurrent |

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

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3377 (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/49.json (key "3377", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide