# KILGORE NATIONAL BANK
KILGORE, TX · FDIC certificate 35548 · asset band <$300M · latest filing 2016-09 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 3 (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 | $85.0M | |
| Deposits | $71.2M | |
| Loans and leases | $53.6M | |
| Total equity | $12.4M | |
| Loans / deposits | 75.19% (p50 of band) | 75.30% |
| Liquid assets / assets | 29.65% (p47 of band) | |
| Uninsured deposits / deposits | 8.35% (p22 of band) | 14.23% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.12% (p45 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.82% (p73 of band) | 10.87% |
| Unrealized securities loss / equity | 0.02% (p14 of band) | 1.65% |
| AOCI / equity | 0.01% (p20 of band) | |
| ROA (annualized) | 0.14% (p8 of band) | 0.88% |
| Net interest margin | 1.13% (p2 of band) | 3.67% |
| Efficiency ratio | 99.10% (p94 of band) | |
| Noncurrent loans | 0.11% (p24 of band) | 0.69% |
| Net charge-offs (annualized) | 0.00% (p33 of band) | |
| Reserve coverage of noncurrent | 0.00% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 88.53% (p93 of band) | |
| Auto loans | $751,000 (1.40% of loans; DQ 5.59%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -2.9% | |
| Employees | 23 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | uninsured deposits leaving |  |
| 2013-03 | 0 |  | uninsured deposits leaving |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | uninsured deposits leaving |  |
| 2014-06 | 0 |  | uninsured deposits leaving |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2015-09 | 3 |  |  |
| 2015-12 | 3 |  |  |
| 2016-03 | 3 |  |  |
| 2016-06 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2016-09 | 3 | expense ratio p90, NIM <2.5%, reserve under noncurrent |  |

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

- 2026-02-13 [Vacation This Spring In Kilgore! - Texas Monthly](https://news.google.com/rss/articles/CBMie0FVX3lxTE5tc1RFdWU2ZThsY2VRb0xMaU85clNwc3lUQ2FsOS1hbEFJdjlQZjExLWQ1a1BDZkRSWm9CMHdqVG5Cb3N2ZUl3TjhwQ053eklRZ0RIelM0dGxOQlFFeDVKX05Lc21OSFhHeXZoU0JIQzZOVEY3aWE3NU00Yw?oc=5) · Texas Monthly
- 2023-05-02 [How The East Texas Oil Field Changed Kilgore Forever - texashighways.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxPNGQyRHQ3cmdaaFktT1FEYkptQjEzVnJFYVBJakZXQ1BVS3dQNXlPbnV2aHlUY21DeGxSLURFVEFTTTgtSFR5WE5TQ0FSeGU0ZFNuLS0xYllzNkh6UzFVd0szWGM4T1Q3NlNpanRQbHpkdDBWcV9neFM5MXVfaVQ1MUM4TXhMMFc3d0ItQzZ1d3c?oc=5) · texashighways.com
- 2014-10-23 [Kilgore senior dies after brave battle with leukemia - KLTV.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxQS1NiSUZJVjdxa2piMHdmRjl1UU5YYXlNWmw5Z2pVWnpXb0hhQmNKN0hDajdUanVmcFZTbXV4Q2RvRlBTWGpNX21mRHNMdHVGb2xqV09JTU8yLVFEMnFaZW5zZ1hxazlsQUU0ek8zSmNkTTdyR0RwMjVvc0VHalM2emFsa2M2SGRsM1BLRXAxLXdKRWvSAaYBQVVfeXFMTnZVUkxRTU9LUGlvYk1YNG83bTYxU0RGN2ZzaTFHLTAtaTRrcU9iNV96T3NhRUd5R3F2bUpURml1SngwQ2NoRlRPU2tzSGFGMmFUZGJRaGx5Y0pEOExrWnhYYWFIYmwwRmM4Zmw4a0FhVVdDRFJGRjNienRKbU52T1BTS1pzZ3ZBMTRWWU5LT1N1WFpVd1RuRE5UMng3UEtPdXZibjB1QQ?oc=5) · KLTV.com
- 2003-01-05 [David Mobley Obituary (2003) - Dallas News](https://news.google.com/rss/articles/CBMioAFBVV95cUxNSE1fSTdFTFdnQlRWbVZtNGF3cFc5Rk5VcWViSWlud1c4ZU1rT1h2NHB1YUVjeDJXdWFsRWc3YzdZaTB0NTFzcDBVcTlpaDlIM3ZWMGs0ZGc5UHl6bG9PcVhvUS1qV0JvRFc4em1wdUV3Ql9Id0RHQU9PZG1kN2g2R1BIUjdpdWp1Z3g2Z2o2aDBfQ3E2Vkg3eFJDQzM5aXhf?oc=5) · Dallas News
- 2013-05-31 [C. W. "Dusty" Rhodes - legacy.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxPQ0dLN3NYMEptRlVwa0YxRjU3c3ZTUGhOOVVBUndWQkNxSUptMUd0SWxDSFIzeHp2YXUyMWZnVTJITFVROU96OEdxSnFkQTFtNmVEZWxuQUhBU2U4QVg1Ulhvd3lES1FzVEROcjFhRXFQeFlNQ1ZNb3J4WHhjalJIN2JDajhiQ0k4aG82bw?oc=5) · legacy.com
- 2015-05-09 [Troup mayor dies at 46; called a ‘great volunteer’ - Tyler Morning Telegraph](https://news.google.com/rss/articles/CBMiigFBVV95cUxOeHFsd3hFYkNqeE9rekJSY21YdTY4MlN6MDBCSWZ1S212SldzRVFmekFXSktEZEgtMHBjcHZOVzU5WlBWQkpPNlhkc0gwNkR3NHMwSFNTRGtEZXJDZFIyejNncFNDZG9xeHNBbEZFM2UwVHM1VGs5NFE3azhOUEhjeHRKWGNjZjBqRnc?oc=5) · Tyler Morning Telegraph
- 2014-10-24 [Community mourning the loss of Lynzee Ford - KLTV.com](https://news.google.com/rss/articles/CBMihgFBVV95cUxPdUEwTU1VNHNOS3lpVkhtOTIxMDhWR0lfcGVTc25iY0lrUWI4ZHBOc3hxcTNKZEdDcTlpeExVa0pyand0VW9peWZnWUJqZHowMXlOSHdzYTBNdmxrQm1uUm1JdE1Vd0hHUDdSU2NqclUwcGIxQmpxZ2NUbTNBN1M4LVFHZTVfUQ?oc=5) · KLTV.com
- 2021-10-05 [5 Random and Fun Facts About Kilgore - Classic Rock 96.1](https://news.google.com/rss/articles/CBMickFVX3lxTE1lNlhzUFVaeE1qclJYRWcwaHZtN1JpcE1rQzMyeXNTY1UtMTR1U1JLeDA1ZDc1UHhLNmRLMHkzYlRIOTAxbUtLaUxSNTVNeFljNWVkUDBDbFgyZkptNGJjTkgtemhNNnlDc1NRR3kxZkY2dw?oc=5) · Classic Rock 96.1

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35548 (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/28.json (key "35548", 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