# SCHWERTNER STATE BANK SCHWERTNER, TX · FDIC certificate 5523 · asset band <$300M · latest filing 2015-09 · stopped filing (departed) **Verdict on the desk:** this could be *credit-stressed*. 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 | $42.3M | | | Deposits | $37.7M | | | Loans and leases | $10.1M | | | Total equity | $4.6M | | | Loans / deposits | 26.52% (p4 of band) | 73.61% | | Liquid assets / assets | 74.05% (p96 of band) | | | Uninsured deposits / deposits | 31.92% (p93 of band) | 13.65% | | Brokered deposits | 0.00% | | | Wholesale funding | 0.00% (p17 of band) | | | FHLB advances / assets | 0.00% | | | Tier 1 leverage | 11.09% (p57 of band) | 10.70% | | Unrealized securities loss / equity | 0.24% (p33 of band) | 0.86% | | AOCI / equity | 1.85% (p93 of band) | | | ROA (annualized) | -1.28% (p2 of band) | 0.84% | | Net interest margin | 2.59% (p8 of band) | 3.64% | | Efficiency ratio | 144.08% (p99 of band) | | | Noncurrent loans | 0.00% (p7 of band) | 0.69% | | Net charge-offs (annualized) | -0.04% (p9 of band) | | | Reserve coverage of noncurrent | – | | | Real estate % of loans | 59% | | | Construction % of loans | 91.48% (p94 of band) | | | Auto loans | $170,000 (1.69% of loans; DQ 10.59%, NCO 0.00%) | | | Loans to nondepository financials | $0 (0% of equity) (p48 of band) | | | Deposits YoY | 4.1% | | | Employees | 12 | | ## Flags firing in the latest filing - **capital falling** (`cap_falling`) - **losing money** (`earn_negative`) - **expense ratio p90** (`earn_efficiency`) ## Warning timeline | Quarter | Score | Flags that first fired | Flags that cleared | |---|---|---|---| | 2011-03 | 1 | NIM <2.5% | | | 2011-06 | 1 | | | | 2011-09 | 2 | capital falling | | | 2011-12 | 2 | | | | 2012-03 | 4 | losing money, expense ratio p90, uninsured deposits leaving | capital falling | | 2012-06 | 3 | | uninsured deposits leaving | | 2012-09 | 5 | capital falling, reserve under noncurrent, uninsured deposits leaving | losing money | | 2012-12 | 2 | | expense ratio p90, capital falling, uninsured deposits leaving | | 2013-03 | 2 | | | | 2013-06 | 3 | construction >100% equity | | | 2013-09 | 2 | | construction >100% equity | | 2013-12 | 2 | | | | 2014-03 | 1 | | NIM <2.5% | | 2014-06 | 1 | | | | 2014-09 | 2 | capital falling | | | 2014-12 | 1 | | reserve under noncurrent | | 2015-03 | 0 | | capital falling | | 2015-06 | 1 | NIM <2.5% | | | 2015-09 | 3 | capital falling, losing money, expense ratio p90 | NIM <2.5% | ## In the news (Google News, unfiltered, newest first; check the city) - 2014-02-13 [Stolen money — and then some — recovered from Schwertner bank robbery suspect - Austin American-Statesman](https://news.google.com/rss/articles/CBMizwFBVV95cUxNal9LRGxsZ1dSQzRvUUh4T0VMSThKd2lTMFBJUnhYZ3RPZm96Q1lmaUNNUzRuNVBQS2F1MWtyMWlxYkJKaVB2aFAxQlNTcE9NSEVYbl9vY2lObHBBa18tQWxoYWcyemc1VTlyTTkzcWZReng5WktfWTdOZkFSTjl5bTlUSGQyY05vdjByRTItOE9oNVBtUlRmTTV3TzdjQXM5enN1YkczU1l1U2YwZ0tkXzdqVlFZc2JFcWJVaGdXeDlkN0YxMDVrNjdCcGxHa0E?oc=5) · Austin American-Statesman - 2023-02-21 [Schwertner Farms mighty impact on the Williamson County community - KVUE](https://news.google.com/rss/articles/CBMivgFBVV95cUxPMzQ1ajVaMWItRGR1ZGEwZG9QN0M2ZFFHb2RyRE12RmJINFpESHNwai1oQWFLMkQxMlJxS29PVEZpby1NUHRWT0RIRFU0NElqMENtbEhaMEQyWGsxb2tiWFZHZXJiRi1fLW5BeDByV0trR3VwQlpRczhiZC1ldHYyeExjVkVoNlJ5VTA4Q21ENWYtWXZKd0p1M1dLakRteTB1aDN5Zl9yckl1V3VCTHh4dU1PUWdrOXl4amE0UV93?oc=5) · KVUE - 2014-02-17 [NBAA’s Board Elects Jim Schwertner As Its Newest Director - Texas A&M Stories](https://news.google.com/rss/articles/CBMinwFBVV95cUxPbkdRa1JNaHU3azF3NnI0SXFiZXdrcURZLTJ1MmJVZUJsRVNCWHV3OHU4b3psaUJXLTNYYjFkNHdHdW5fYnNBSEFwSmM5dW1ndnNoWTRaUUJUQXZKTjZuNVNPSDJGNlpHNEozWnBxSHVvcDdWSC1tLTNHS0liRnJkMi1YMGNnX1RuMzRvQXpxWlp3X2Y2eWtueXdWenFtcWM?oc=5) · Texas A&M Stories - 2014-02-14 [FBI Nabs Alleged “ZZ Top” Bank Robber in Fort Worth - NBC 5 Dallas-Fort Worth](https://news.google.com/rss/articles/CBMigwFBVV95cUxPaGJMQ2YtOEpMZnJ3Q29jNHpKdHVad21vcmxHZEx6QzUzYXF2d2YyWnNsMFlVdlI0a1RRRGs1ZjNsdVFkZzdwa3JIOElqVVFrcjVxTEVGb2pmZXBOd3RwTXpqc0tMWEE4Q3RaVENRd0NoWFdpVExOdVdtblFneDI5ekhxNNIBiwFBVV95cUxNYXBMbnhDNFFNOW5xY2VXNFV4bnJyVUNwVnhpQU90anVSX2hMdXd6dDI0VnZNLUt6SnYwUkx1c000NmxhNFhuUTBsWDc1a0VIY21JOXBjdkRDbmYzZWRaMmdsRlhWb1FsSTFpZVMyM1dFWmVibVppaW4xYXpQa0xWV0pJTzR4UmxSbmNR?oc=5) · NBC 5 Dallas-Fort Worth - 2024-02-14 [Barbara A. Strohl - Williamson County Sun](https://news.google.com/rss/articles/CBMiX0FVX3lxTE0tTjRrcGthNEp5V1Rqd1MyUFlrZXY5anlBc2VGTXhIWGQwdGlVMFJGbktSZHNfdXZsVms4clZkTTlYWWlaUmxINWtSdjQ0YTJuTVNVNEdGaXhDejJnc2xV?oc=5) · Williamson County Sun - 2023-03-04 [Schwertner receives Texas A&M AgriLife Distinguished Texan in Agricult - Farm Progress](https://news.google.com/rss/articles/CBMiugFBVV95cUxQQmdxSkxvUWw0OExzeUR0RHpLMVJ0UllCdEt2UW5YVW9XUm40ZjhnQ1dDRVo4Qm1jVzYwS3plVFpwdjJ6aTBCWmdra0g0R2d4UmhwYmFoaDJvV0w2VXdxM0M1UTB1NzVxbWl1Q21TMUtrblZmX1Qxb2l5eHhlRThoTUJ5ejgwbXg5REdDSFdhbS1OLVhWTjNERVJ2SktvdC02UXppVjJIM05SVVA4Y1BpalVXNVlFN1NIYnc?oc=5) · Farm Progress - 2012-09-26 [Donna Dee Holden Norton (1953-2012) - haysfreepress.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxQcktqbjJjTzZhcVU4d2VIRG5WUU9ZSWZORmg5WmhBT0tXUXFMdGZWUjRyMWJqcksyLVdTM0Q4cHdtelRGbVp4eGZ4czIwcVhXODFLbG5XWjY1OHRZcFFpaURIdGpWZ19HMFctc0R2OEFsVlI5ZHZQekppVE13Sl9JR21QOA?oc=5) · haysfreepress.com - 2024-02-07 [Barbara Strohl Obituary (2024) - Monticello, IL - The News-Gazette - legacy.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxQaTBLbFlXRzdWaW5lalpFM0JpRFk3ZWF4WncxaEhVaVBHMzNXb3BuOFZiUnVPc25WRjFiOTltUjU5ejJOSWxfVTFHUmN4d0pDbU1QZnYwX0NXQ2x6bk0zTjIydndGYXdpRXZ3XzlMLXlnS1lBTXZWVE56dHUtRkg5OGtkLVh1bklCTFVGZjQwLWlRUmZo?oc=5) · legacy.com ## How to verify - Page: https://getbookiq.com/bank-desk/#bank=5523 (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/19.json (key "5523", 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