# PERRYTON NATIONAL BANK
PERRYTON, TX · FDIC certificate 3388 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $212.7M | |
| Deposits | $181.1M | |
| Loans and leases | $99.4M | |
| Total equity | $30.0M | |
| Loans / deposits | 53.65% (p23 of band) | 73.59% |
| Liquid assets / assets | 53.22% (p82 of band) | |
| Uninsured deposits / deposits | 55.89% (p98 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 16.40% (p83 of band) | 11.76% |
| Unrealized securities loss / equity | -14.60% (p31 of band) | -6.57% |
| AOCI / equity | -2.57% (p8 of band) | |
| ROA (annualized) | 1.71% (p77 of band) | 1.17% |
| Net interest margin | 3.31% (p22 of band) | 3.93% |
| Efficiency ratio | 49.19% (p12 of band) | |
| Noncurrent loans | 0.36% (p50 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p57 of band) | |
| Reserve coverage of noncurrent | 612.01% | |
| Real estate % of loans | 48% | |
| Construction % of loans | 21.72% (p56 of band) | |
| Auto loans | $7.6M (7.68% of loans; DQ 2.48%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 11.5% | |
| Employees | 21 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | capital falling |  |
| 2012-03 | 2 | NIM <2.5% |  |
| 2012-06 | 0 |  | capital falling, NIM <2.5% |
| 2012-09 | 1 | NIM <2.5% |  |
| 2012-12 | 2 | capital falling |  |
| 2013-03 | 1 |  | capital falling |
| 2013-06 | 1 |  |  |
| 2013-09 | 3 | deposits shrinking, assets shrinking |  |
| 2013-12 | 3 |  |  |
| 2014-03 | 1 | capital falling | NIM <2.5%, deposits shrinking, assets shrinking |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | capital falling |  |
| 2015-03 | 2 | NIM <2.5% |  |
| 2015-06 | 0 |  | capital falling, NIM <2.5% |
| 2015-09 | 1 | deposits shrinking |  |
| 2015-12 | 2 | assets shrinking |  |
| 2016-03 | 4 | noncurrent p90, reserve under noncurrent |  |
| 2016-06 | 3 |  | assets shrinking |
| 2016-09 | 2 |  | deposits shrinking |
| 2016-12 | 2 |  |  |
| 2017-03 | 4 | deposits shrinking, assets shrinking |  |
| 2017-06 | 2 |  | deposits shrinking, assets shrinking |
| 2017-09 | 1 |  | noncurrent p90 |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | capital falling |  |
| 2018-06 | 2 | uninsured deposits >50% | capital falling |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 1 |  | reserve under noncurrent |
| 2020-03 | 2 | capital falling |  |
| 2020-06 | 1 |  | capital falling |
| 2020-09 | 1 |  |  |
| 2020-12 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving | uninsured deposits >50% |
| 2021-03 | 3 |  |  |
| 2021-06 | 3 |  |  |
| 2021-09 | 3 |  |  |
| 2021-12 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2022-03 | 2 | uninsured deposits >50%, capital falling |  |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity | uninsured deposits >50%, capital falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 | uninsured deposits >50% | AOCI drag >20% of equity |
| 2023-06 | 2 |  |  |
| 2023-09 | 1 |  | uninsured deposits >50% |
| 2023-12 | 1 |  |  |
| 2024-03 | 2 | uninsured deposits >50% |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 1 |  | securities losses >30% of equity |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

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

- 2023-11-22 [Grit From the Ground Up - Texas Tech University](https://news.google.com/rss/articles/CBMic0FVX3lxTE9lSW4xLTBycVA3dkluaFNVSlJ1TEFGNzQ1Q0xuSklCRWxrenVJcVlBWE9UejA3aVFGV19jbEV6bFMwMjg4SWpZRVNnSy1XdTB2a3l2a0FkUC1pS0hsTVVCTGVGQ1docUtXNEF2VlZBdmZaa28?oc=5) · Texas Tech University
- 2026-03-30 [Eldon Dudley Obituary Mar 30, 2026 - Brooks Funeral Directors of Canyon](https://news.google.com/rss/articles/CBMiY0FVX3lxTE16STVaSm8wNmxRWXVWSlFodU1nVGw5ZkVOUEdVdWcxUHV1OW84SHF2YmUtRFdaWWU1NDV3OGU5WUdjMWVVcVpXWHdhajBKdjFrcDRYRl9BN1dpbUNEVnJQbExHbw?oc=5) · Brooks Funeral Directors of Canyon
- 2023-06-16 [How you can help the Perryton survivors after deadly tornado - KFDA | NewsChannel 10 | Amarillo Texas](https://news.google.com/rss/articles/CBMikgFBVV95cUxQRVNFUnlhVFNqYlRvTmQ5YWQtY0pmQmp1YURqaWNLc0RsR1dVUldNOFI2bW1jS1lPQkJzVWIwQlQ0OWtZVlRZUlEyeExxeFpKN1N0bFFveFJmQW5sOXhjSWJlV2tscGJsSmJTdFk3Tzl6ZWZITmpwSXNubDNVajhaY0lheDNHeVBiREgzaTUxVjI1UQ?oc=5) · KFDA | NewsChannel 10 | Amarillo Texas
- 2023-06-22 [In tornado’s aftermath, Perryton residents refuse to see their town wiped from the map - The Texas Tribune](https://news.google.com/rss/articles/CBMicEFVX3lxTFB1cjdEcTV0eWZWSXhmWWFpZXd2M3BtRFJYVmM2SG81TzYxazUwU2h6d2JCOGw3RzlHbm5hcmFZZVlab0JUaTRJQWxaZlpGQ0dVSkM3VnJlUnphZ19UemlBWE55aEdqOXRLN24xbFNkRDA?oc=5) · The Texas Tribune
- 2025-08-22 [Wheatheart finale brings Perryton together for 2025 celebration - Amarillo Globe-News](https://news.google.com/rss/articles/CBMitwFBVV95cUxQTDVubWl2WU5fMlJBNDZTSnRWSFNmMTJzWWppSUlVcDYwQXFmSHhZYVE3cXpHME5vaktGTTRFck9VZkpNWEptYnBSN1JXYmRoZGtRQkgzUHVZNXgyMHZVdXJzQlV2cTg3LVBpekZ3VGVzR2NEWVdoZVZlS21rdWwzdzJUQlo4UEVCc2ZVdTNQOERvYXJpbjh3Nk1rNWlQVnRiTDUzeWV3TjZxMzg5Y3JPWGJNaGtkQVk?oc=5) · Amarillo Globe-News
- 2019-10-22 [View S. Adam Day's Obituary and express your condolences - legacy.com](https://news.google.com/rss/articles/CBMioAFBVV95cUxQZVRyNlU4RFNFbGctVW4yS1dNNmZuVDBxV0JsdjhUalpmU1FleFp5d3pVZzEzck1DSnJxTWlRVjNQT3NTQ21jYTlpOUREX2FJZ3lFYl8yS3lURjRXdXdpVEFCV3FfZUlRMGJxR0pCeUh5cEZrZWl0Z0hxTG5ON09LQkZOcGVDVko2UnNtaVFjQ1h4UDZDNDd1UDBJQjl0Rmlk?oc=5) · legacy.com
- 2023-06-17 [Cleanup, recovery efforts continue in Panhandle town after deadly tornado devastates Perryton - Amarillo Globe-News](https://news.google.com/rss/articles/CBMixAFBVV95cUxPTmJKTEs4NGVuVlJKMjkxV1E4MERVazlVclRTQ1ZhYnozNGhBbTVhUEE4ck13TWNwSGY1MlZ5X2Y1cGJhbVJaZXlFdzRMbzNhUUMtRDFLbHd0QmFaUDNpRVM0SnUyMFl2bkpxaVBWc1FVTnFMenU4TzFyTW00dkRQQ0FrQVNDeVg3LXVaWlRWV1A1SVJhVThDaDVDS2VtNDB1Z2dGTWZhOGFFRS02X181X0h2djJYTVlOZEd1WU1MN3BCbGM3?oc=5) · Amarillo Globe-News
- 2019-01-26 [View Jack Tregellas's Obituary and express your condolences - legacy.com](https://news.google.com/rss/articles/CBMipgFBVV95cUxONzZrOWF5RnFLTkFnbVdKRGpmNHFET3JHZ054U3l0Mm15VTYzdzlEdVFnRlNMekhFZHFKdGJmVExkYk04RTZGaS00d3hmbWlORUFuNkV0dEZybzZ3bmdyTjA1NTNLNzVONVhLR2ktVDFCbF8yTVF4RG8zTkxaZTV5OGtObkI0eU1ZYm5mbkxfLVV6TmlCX3FabHhZM29iWlA4Q3Z0Vmd3?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3388 (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/60.json (key "3388", 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