# STATE NATIONAL BANK IN WEST
WEST, TX · FDIC certificate 5580 · asset band <$300M · latest filing 2019-09 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. 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 | $75.3M | |
| Deposits | $68.6M | |
| Loans and leases | $14.9M | |
| Total equity | $5.6M | |
| Loans / deposits | 21.30% (p4 of band) | 77.79% |
| Liquid assets / assets | 79.25% (p97 of band) | |
| Uninsured deposits / deposits | 10.88% (p28 of band) | 15.94% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p21 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 7.45% (p2 of band) | 11.56% |
| Unrealized securities loss / equity | 9.80% (p99 of band) | 0.80% |
| AOCI / equity | 0.00% (p7 of band) | |
| ROA (annualized) | -1.21% (p2 of band) | 1.05% |
| Net interest margin | 2.93% (p11 of band) | 3.84% |
| Efficiency ratio | 132.76% (p98 of band) | |
| Noncurrent loans | 1.09% (p68 of band) | 0.56% |
| Net charge-offs (annualized) | 0.06% (p74 of band) | |
| Reserve coverage of noncurrent | 170.99% | |
| Real estate % of loans | 42% | |
| Construction % of loans | 9.95% (p40 of band) | |
| Auto loans | $579,000 (3.89% of loans; DQ 1.21%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -0.9% | |
| Employees | 14 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 | NIM <2.5% | capital falling |
| 2012-06 | 3 | expense ratio p90, uninsured deposits leaving |  |
| 2012-09 | 2 |  | uninsured deposits leaving |
| 2012-12 | 4 | capital falling, losing money |  |
| 2013-03 | 3 |  | capital falling |
| 2013-06 | 3 |  |  |
| 2013-09 | 2 | capital falling | expense ratio p90, losing money |
| 2013-12 | 1 |  | capital falling |
| 2014-03 | 2 | reserve under noncurrent |  |
| 2014-06 | 3 | deposits shrinking, assets shrinking | reserve under noncurrent |
| 2014-09 | 1 |  | deposits shrinking, assets shrinking |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 3 | deposits shrinking, uninsured deposits leaving |  |
| 2015-09 | 4 | assets shrinking |  |
| 2015-12 | 3 | reserve under noncurrent | deposits shrinking, assets shrinking |
| 2016-03 | 2 |  | uninsured deposits leaving |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 1 |  | NIM <2.5% |
| 2017-06 | 1 |  |  |
| 2017-09 | 0 |  | reserve under noncurrent |
| 2017-12 | 1 | capital falling |  |
| 2018-03 | 1 | reserve under noncurrent | capital falling |
| 2018-06 | 0 |  | reserve under noncurrent |
| 2018-09 | 1 | reserve under noncurrent |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | noncurrent p90 |  |
| 2019-06 | 1 |  | noncurrent p90 |
| 2019-09 | 2 | losing money, expense ratio p90 | reserve under noncurrent |

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

- 2024-10-03 [Margaret Grant Hunt Obituary Dec 17, 2005 - Wilkirson-Hatch-Bailey Funeral Home](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE9yckpfU3E2MFo5VXFwcTBJR09xWWNuQU5aMXZfdDRQUW5qc3ljOHRXOG9aSnBubTVaTHRvR1N2c2Y4LV9DX3B2VnhvMWJMOU95YnF4b2pKTV9tQmJTYjJvLXNvZ1Q2MFk?oc=5) · Wilkirson-Hatch-Bailey Funeral Home
- 2023-06-11 [Dorothy Pustejovsky Obituary (1939 - 2023) - Dallas News](https://news.google.com/rss/articles/CBMiqgFBVV95cUxONDI5MzV5bXNWaGhKM0F5SFh3VFNYd3ViWl9BUmRkUXlpS2R3ZzYzSVFsR2c0aG83ckVaTEM2THBjYzllZHcwdk55LW5RdDlPVmNuVk94UEdVQUdjd0tWTER3a3l5LWhNcnNQd0V6N2czNmp0VkplejU2M2JOZ0VKejA5b2psUTF5SEpRSnRTMm4yajAtY3laTExtdmVPcWFveldNUUkwUHg5Zw?oc=5) · Dallas News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=5580 (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/12.json (key "5580", 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