# FIRST CAPITAL BANK
QUANAH, TX · FDIC certificate 3399 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. 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 | $107.3M | |
| Deposits | $96.8M | |
| Loans and leases | $75.6M | |
| Total equity | $10.3M | |
| Loans / deposits | 76.78% (p56 of band) | 73.59% |
| Liquid assets / assets | 25.00% (p32 of band) | |
| Uninsured deposits / deposits | 26.31% (p73 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.57% (p18 of band) | 11.76% |
| Unrealized securities loss / equity | 0.00% (p95 of band) | -6.57% |
| AOCI / equity | -0.74% (p35 of band) | |
| ROA (annualized) | 1.67% (p75 of band) | 1.17% |
| Net interest margin | 6.16% (p99 of band) | 3.93% |
| Efficiency ratio | 58.85% (p33 of band) | |
| Noncurrent loans | 0.70% (p63 of band) | 0.36% |
| Net charge-offs (annualized) | 0.96% (p99 of band) | |
| Reserve coverage of noncurrent | 240.94% | |
| Real estate % of loans | 59% | |
| Construction % of loans | 4.57% (p28 of band) | |
| Auto loans | $1.3M (1.67% of loans; DQ 2.21%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 5.5% | |
| Employees | 25 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2012-06 | 3 |  | reserve under noncurrent |
| 2012-09 | 2 |  | uninsured deposits leaving |
| 2012-12 | 0 |  | deposits shrinking, assets shrinking |
| 2013-03 | 2 | deposits shrinking, assets shrinking |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 4 | reserve under noncurrent, uninsured deposits leaving |  |
| 2014-03 | 1 | charge-offs p90 | deposits shrinking, assets shrinking, reserve under noncurrent, uninsured deposits leaving |
| 2014-06 | 0 |  | charge-offs p90 |
| 2014-09 | 1 | charge-offs p90 |  |
| 2014-12 | 0 |  | charge-offs p90 |
| 2015-03 | 1 | expense ratio p90 |  |
| 2015-06 | 2 | deposits shrinking |  |
| 2015-09 | 1 |  | deposits shrinking |
| 2015-12 | 1 | deposits shrinking | expense ratio p90 |
| 2016-03 | 0 |  | deposits shrinking |
| 2016-06 | 1 | liquid assets <10% |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | charge-offs p90 |  |
| 2017-03 | 3 | capital falling |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 3 |  |  |
| 2017-12 | 3 | loans exceed deposits | charge-offs p90 |
| 2018-03 | 3 | charge-offs p90 | capital falling |
| 2018-06 | 1 |  | liquid assets <10%, loans exceed deposits |
| 2018-09 | 2 | liquid assets <10% |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 1 |  | charge-offs p90 |
| 2019-06 | 1 |  |  |
| 2019-09 | 2 | charge-offs p90 |  |
| 2019-12 | 1 |  | liquid assets <10% |
| 2020-03 | 2 | capital falling |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 0 |  | charge-offs p90, capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 4 | charge-offs p90, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2021-09 | 2 | reserve under noncurrent | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2021-12 | 0 |  | charge-offs p90, reserve under noncurrent |
| 2022-03 | 1 | charge-offs p90 |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 2 | capital falling |  |
| 2022-12 | 1 |  | capital falling |
| 2023-03 | 2 | uninsured deposits leaving |  |
| 2023-06 | 5 | liquid assets <10%, deposits shrinking, assets shrinking |  |
| 2023-09 | 4 |  | liquid assets <10% |
| 2023-12 | 2 |  | deposits shrinking, assets shrinking |
| 2024-03 | 2 | liquid assets <10% | charge-offs p90 |
| 2024-06 | 1 | charge-offs p90 | uninsured deposits leaving, liquid assets <10% |
| 2024-09 | 3 | noncurrent p90, reserve under noncurrent |  |
| 2024-12 | 4 | capital falling |  |
| 2025-03 | 2 | liquid assets <10% | noncurrent p90, reserve under noncurrent, capital falling |
| 2025-06 | 2 | reserve under noncurrent | liquid assets <10% |
| 2025-09 | 3 | noncurrent p90 |  |
| 2025-12 | 4 | capital falling |  |
| 2026-03 | 1 |  | reserve under noncurrent, noncurrent p90, capital falling |
| 2026-06 | 1 |  |  |

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

- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2020-05-26 [Personnel Moves: Bank of Texas, CrossFirst, First Capital Bank, and More - D Magazine](https://news.google.com/rss/articles/CBMivAFBVV95cUxNWndhOENIbVR6MkhzVWxZaTExaG9QdVZ2N3I3N282RTM5WFVhbmlOQzIwSmFLdzFIU3JkLTVwTFNRSm9UbHZmWTlOX1dmYUlQZ0tXb2RhUEFleER1akNVSDlDN3NuMEx2N21Xa1BkME13ZlVIcGVmR1BkVGV1R0xpNVE4dkZVZkpid3RsQmlOVnRrSTktYk9SNkVxMU9RbThVcmZuVGROYktPQW1SR3VaYURnX2VzMm5hOTItTQ?oc=5) · D Magazine
- 2022-01-05 [SC gains a bank as First Capital switches charter from NC - Post and Courier](https://news.google.com/rss/articles/CBMi4AFBVV95cUxNY2R3YXROOVppdGpLSDJ2SUNYUTh1ZlJTcWNSeGk4OGxsMFBWbGh3OTAxZmE4YlR6WUlHQ0xyUWY3a0daOUhpbkpqRzJJbXoyanpSWXJ2Y0pzdF9Cb0NoSjFGazFJQ2RITUNoaVBNaWhoUGNua3NQT3lnRWRkV2tacWZ0Uy10cUgxb1M4VTR3ODhJMVJNb3NwcWlxUzZiODlyTm4wQ1hQUkFjVmphRnFNb1B6eDc0OVJkWE44ZTREZXlXbm5jbkNhZnBCcVRiM2Q3LXo3eGFXZnV5WmhKbjVkQg?oc=5) · Post and Courier
- 2012-07-02 [Experts reflect on failure of Kingfisher’s sole community bank - journalrecord.com](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQQ3VaZzJuRHlyNk85dDBRU21VbkNVX1JxZ05LcmVvbkg0VGVNYlJBRXJTdGZfSExZVjVFeVZFdWkxV3B6UEdTVTdaMkI0YzZpZ08zRERDZHNucmlMcWxURWNnVjZ3bTdPS01zTjFwaERVWV9sZ0RENjR1UGJ4UEp2cTVuQ1pjY2dWZlpMdnRXOEpYLXBTTEk4VkZUMUI4azRaeDY1Z3h4LUtvYWM?oc=5) · journalrecord.com
- 2011-07-18 [First Capital Bank makes way for InterBank - Guthrie News Page](https://news.google.com/rss/articles/CBMie0FVX3lxTFBialVuSWpqUWY0cmZGRlNlQjVlVGhHcWdwZ3pIQzFfdVhnUF9JZ0xKWFNlSjRGTXg3Smx5LWN3anNBSGtDTVhaTUFLSnU1YTJpT3hCd2l5a3pRU0N5a2pDMExxYVpERWZsbThoVkJkeS1kSUJ2UmZjalhsMA?oc=5) · Guthrie News Page
- 2014-03-19 [West Texas economy prompts Amarillo business to open 2nd location - abc7amarillo.com](https://news.google.com/rss/articles/CBMiowFBVV95cUxPZW9QWFlfUzIybFU2ekFIa1lIYklybnR3cTlDQkp5eHc3TVdQcDU2UEU3Vld1TXZoaU5mT3BNN1pnUy01MmROaHQxakp3bFVTV2hYUUd2LWRxN1l0T3hGbGdDZXdfUzYtR2pKVGRDVkE3aVlpcFlPT1JOMFFJaHVPN0hhUFJfcWd2VkFlMWwzQXZmR0hXVXVtMTBQa25tbzhzSzJN?oc=5) · abc7amarillo.com
- 2020-07-30 [Judge rules in favor of bank in Jody Wade case - Texomashomepage.com](https://news.google.com/rss/articles/CBMimwFBVV95cUxPUncwWW9WMTVWQU81dlRUak8zOUltNndCVFg4N3p6TkNjYWtrSk8xRTBfcmV5azVCczUydG5HVFBOa0NJZnpNeW5UN3Zhckx6T29TcXhfaUlGQk5HLVdtSXZiUTlLWS1oUVJXbldvUE9qTkVfWXY2S0pESjBJakZBYUFJeTZoZ2lScnp0WngzQnlMb2RpNTAtZ1c3NNIBoAFBVV95cUxOOEF5YXVoQzFxVWtMZjQzXzk0NElOekRTNVluR04ycEZJR3ZoWmJPaUNJY3Y5N0RnbXdLcDFVckJBWlc1TnA2YlFxX2JwYnh3dDBNUGU2cl85MF9wRXU3YlBzekcxWXN2XzBRekl6MXJRVzJjU2RhT2RFZWJxYkhTaTdPQmlodE5TcW5hUTFLY1p4b3ZDWG81UkgtSEpORF9z?oc=5) · Texomashomepage.com
- 2020-08-30 [After nearly half a century in banking, a penny for his thoughts - Times Record News](https://news.google.com/rss/articles/CBMiwgFBVV95cUxOeEtIYWE1djR2WUQtMVY3dkZMcENNdWVaRkgwdlFQYmR0SWJsS2VpVWhNdFdVQjFqbkJucmpPb25KMnRJVjVfdGZHNzBTeUdrcFgtcWx3QlFlM0NZU005SUEwZF91U1hFM0plZDVCVmJqTVE5N0FtZlhOb1hDVXlzSXp2NE41WUJBOHoyTGllY2lpbEVOcFBPbGtaV0V4TkN6ZDUybmRfcDR1UkFZZzVxWmt3YVFHWWpJR2c0V0Z2NWlNdw?oc=5) · Times Record News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3399 (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/7.json (key "3399", 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