# SANTA ANNA NATIONAL BANK
SANTA ANNA, TX · FDIC certificate 5520 · asset band <$300M · latest filing 2025-03 · FAILED

**Verdict on the desk:** this could be *run candidate*. 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 | $76.9M | |
| Deposits | $71.4M | |
| Loans and leases | $41.2M | |
| Total equity | $5.0M | |
| Loans / deposits | 56.88% (p29 of band) | 70.65% |
| Liquid assets / assets | 39.56% (p60 of band) | |
| Uninsured deposits / deposits | 29.53% (p80 of band) | 19.26% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p22 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.62% (p9 of band) | 11.50% |
| Unrealized securities loss / equity | -40.79% (p17 of band) | -11.46% |
| AOCI / equity | 3.39% (p78 of band) | |
| ROA (annualized) | 1.73% (p82 of band) | 1.00% |
| Net interest margin | 4.45% (p80 of band) | 3.68% |
| Efficiency ratio | 52.87% (p15 of band) | |
| Noncurrent loans | 0.50% (p61 of band) | 0.28% |
| Net charge-offs (annualized) | 0.02% (p76 of band) | |
| Reserve coverage of noncurrent | 271.22% | |
| Real estate % of loans | 13% | |
| Construction % of loans | 4.65% (p28 of band) | |
| Auto loans | $7.1M (17.31% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 33.2% | |
| Employees | 14 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **securities losses >30% of equity** (`cap_secloss`)

## 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 | 0 |  | capital falling |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | assets shrinking |  |
| 2014-12 | 0 |  | assets shrinking |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 2 | capital falling, uninsured deposits leaving |  |
| 2016-03 | 0 |  | capital falling, uninsured deposits leaving |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | charge-offs p90 |  |
| 2018-06 | 0 |  | charge-offs p90 |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | charge-offs p90 |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 0 |  | charge-offs p90 |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | capital falling |  |
| 2022-03 | 0 |  | capital falling |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 4 | deposits shrinking, uninsured deposits leaving |  |
| 2023-03 | 3 |  | AOCI drag >20% of equity |
| 2023-06 | 2 | charge-offs p90 | deposits shrinking, uninsured deposits leaving |
| 2023-09 | 1 |  | charge-offs p90 |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 2 | capital falling |  |
| 2025-03 | 2 |  |  |

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

- 2026-08-24 [Failed Banks In The US: An Analysis By Year, Size And More - Forbes](https://news.google.com/rss/articles/CBMibEFVX3lxTE9SRkVrQmdfS2FWVWlBdzNCcy1OTlAyNlVSUEpoMG5WVllXR0V1dW5NSFBRSW91OUFjZ055S3dyS3RaaVg3dVc3UU12XzhENE5nanJFeEExR016RTR4Y1BERHVJSHlzSDNqS3pUWQ?oc=5) · Forbes
- 2025-06-27 [Failed Bank Information for The Santa Anna National Bank, Santa Anna, TX - Federal Deposit Insurance Corporation (FDIC) (.gov)](https://news.google.com/rss/articles/CBMiggFBVV95cUxOalhWN2plOUtVRkFtZHNEV29ZZ0xldjB1eGpPV3hDdlpub0IwRzZYTGMweXZuYjkyci1BbGFWb2NzendBNUQ2TGFfMkZhYXVzZ0lGeWVsNkpWZ0s1a2F2LTBGWURnSmdHdjNXVEt0RDEtcjcyXzcxa1NLLUxPU2NhTl9n?oc=5) · Federal Deposit Insurance Corporation (FDIC) (.gov)
- 2026-02-09 [15 most recent bank failures - American Banker](https://news.google.com/rss/articles/CBMickFVX3lxTE9OU0FZMFVvZ2QtYXVOTWpCa3djUGxETDEzbzlFTWhobUpfVnZMdWlDWmswQzNrOEIzc0ZDWVM3cnFTV1ZXTlRMamp2V25jM0ppMTBYM3BEZFM3OFI4bnIyaFlBSlQtT2NNa0RxMURCZ3JaQQ?oc=5) · American Banker
- 2025-06-30 [FDIC: ‘Suspected fraud’ contributed to Texas bank failure - Banking Dive](https://news.google.com/rss/articles/CBMipgFBVV95cUxPY3hjLVdVNHZjT3FEUlEzY3lFZ2d4Q0ZkaWg5dFJyRzFtY2hZc201ZTBCUTJwNFF1TE9UdnBKLXNDUElzeWpOeUt1a01SYks3SEpyR2dTV0tSUWQ3VThDN1ZYZzFJTmNhamdyQXRtWjNWR2xUMk5neGNmMlVEY0k1eW50VFJISVNMNzQ0V1g2U1NxQkZ3a3hXSnc5RkFtcTFBTk96UHln?oc=5) · Banking Dive
- 2025-06-29 [Santa Anna National Bank becomes first Texas bank to fail since 2019 - BigCountryHomepage.com](https://news.google.com/rss/articles/CBMirgFBVV95cUxNdWhDeUpVMVR0bW5zV3RFaGY3bmNuQmcwWm54S0RHQzRoZTFCRFBFenRURDBJeTZSQWc4elItUm1VZkNQb3pVb2FJaGd3ZEw5cVRicUFzOWFfclJIZHRBdHFYQWpmeVlSMHo1VmstREtyU1NKZ2k2ZXhkUG5FdTg4c3NCVGRsbDBrdWN3ak5fSmlXU2VtaGtDZGRLeHdvSGxWTVdzSXZXMWsyN2xZUEHSAbMBQVVfeXFMTXZlY0VWckJHSjJjWjdDSzVGdlI2VGlSUFhmclFlUXVRY214ZnNvMU1heDVvVFY2WHhGZC10VkxrSnJWY0FGSEcwNG1oZ25JQU5hR0xFV0J1eklLUWxlZW5QRW9CYTVYRFFuYmVXZFA1am9obzlmR3J2UVFueVlPS3dWQld0NGhzam9CYTVkQXJkM1J4OGdwS3BIbzJLQkoxRnlXZkU0WHZheF9fOFdsVkFVekU?oc=5) · BigCountryHomepage.com
- 2025-06-28 [Regulators, Suspecting Fraud, Close Tiny Texas Lender in Year’s Second U.S. Bank Failure - Barron's](https://news.google.com/rss/articles/CBMikwFBVV95cUxORlE5Q19JSHE2RTNwNUNkTkJmMkM3TTVIcnA4ZzBvU19jVkRMVU9zRUd5RGZ0MUpENXYyY2U0ZnNjd2ZXUXBUQVJaSW4wR2xDMTBBc2N3bFdzWkhlTXVXOGZCR2lnMjcxZXgwREtIbUo5d2F4bDY1THBNWUhaaDRVWXU2aXAwSk1uWmkwRmhvcHFsTk0?oc=5) · Barron's
- 2025-07-23 [FDIC: Suspected fraud contributed to failure of Santa Anna bank - Brownwood News](https://news.google.com/rss/articles/CBMipwFBVV95cUxNRFpEb2lCREp6ejdIdEdkdHM5cXRkcVpXRjdUSlkyRURUcjdaOEpTOVJPcDExY2w3SjBVX3RWdUFHLUlyZ1hWRzRtX0ltRVNwSUlKV0E4UDhEMWdMRGZvYWl1S2xWNHNhQnVkT3h6OGEwR0dNZFlvOGFmeUlzbFBiSkc4bmpwRGxYVXVlbU1ZNXZ4Qm9OcU5KNS14cE1XTk5fSHlyWnhENA?oc=5) · Brownwood News
- 2025-06-27 [Bank Fraud, Failure, Deregulation. - Substack](https://news.google.com/rss/articles/CBMie0FVX3lxTE1mYkJGYWs3cG10TDJLRms3Tk9GWXZ2SXJlN1p4UGotSC1fMmVmNXota0U3cHhiQ0xZUElMZWVaMk9xb1NFNmVYeWFkSDIzd0NvMWFwX2hjbk9MYURzRjN3RkR6VEplenN3N25zQUpFODAwMGlLanItV2dKWQ?oc=5) · Substack

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=5520 (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/16.json (key "5520", 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