# FIRST NB OF BORGER
PANHANDLE, TX · FDIC certificate 34635 · asset band <$300M · latest filing 2011-03 · stopped filing (departed)

**Verdict on the desk:** this could be *auto lender*. 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 | $9.1M | |
| Deposits | $7.2M | |
| Loans and leases | $668,000 | |
| Total equity | $1.9M | |
| Loans / deposits | 9.31% (p2 of band) | 70.88% |
| Liquid assets / assets | 1.07% (p0 of band) | |
| Uninsured deposits / deposits | 0.84% (p6 of band) | 7.86% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p16 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 20.53% (p96 of band) | 9.71% |
| Unrealized securities loss / equity | 0.00% (p31 of band) | 0.79% |
| AOCI / equity | 0.00% (p40 of band) | |
| ROA (annualized) | 0.56% (p44 of band) | 0.66% |
| Net interest margin | 0.51% (p1 of band) | 3.79% |
| Efficiency ratio | 0.00% (p0 of band) | |
| Noncurrent loans | 0.00% (p5 of band) | 1.53% |
| Net charge-offs (annualized) | 0.00% (p31 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 34% | |
| Construction % of loans | 0.00% (p7 of band) | |
| Auto loans | $109,000 (16.32% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | – | |
| Employees | 3 | |

## Flags firing in the latest filing

- **liquid assets <10%** (`liq_thin`)
- **NIM <2.5%** (`earn_nim`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | liquid assets <10%, NIM <2.5% |  |

## 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=34635 (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 "34635", 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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