# FIRST BANK
WHITNEY, TX · FDIC certificate 5584 · asset band <$300M · latest filing 2014-09 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. 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 | $50.3M | |
| Deposits | $44.7M | |
| Loans and leases | $9.0M | |
| Total equity | $5.5M | |
| Loans / deposits | 19.25% (p3 of band) | 71.36% |
| Liquid assets / assets | 81.36% (p98 of band) | |
| Uninsured deposits / deposits | 5.86% (p17 of band) | 12.72% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p17 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.73% (p67 of band) | 10.52% |
| Unrealized securities loss / equity | -21.22% (p1 of band) | 0.17% |
| AOCI / equity | 16.23% (p98 of band) | |
| ROA (annualized) | 0.27% (p16 of band) | 0.81% |
| Net interest margin | 2.02% (p3 of band) | 3.65% |
| Efficiency ratio | 86.61% (p79 of band) | |
| Noncurrent loans | 0.09% (p19 of band) | 0.86% |
| Net charge-offs (annualized) | 0.03% (p52 of band) | |
| Reserve coverage of noncurrent | 4362.50% | |
| Real estate % of loans | 65% | |
| Construction % of loans | 0.00% (p7 of band) | |
| Auto loans | $573,000 (6.40% of loans; DQ 7.50%, NCO 0.02%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -5.1% | |
| Employees | 13 | |

## Flags firing in the latest filing

- **NIM <2.5%** (`earn_nim`)
- **deposits shrinking** (`shrink_deposits`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | NIM <2.5% |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 2 | capital falling |  |
| 2012-03 | 3 | deposits shrinking, assets shrinking | capital falling |
| 2012-06 | 2 | losing money, expense ratio p90 | NIM <2.5%, deposits shrinking, assets shrinking |
| 2012-09 | 4 | capital falling, NIM <2.5% |  |
| 2012-12 | 4 |  |  |
| 2013-03 | 1 |  | losing money, expense ratio p90, capital falling |
| 2013-06 | 3 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2013-09 | 6 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2013-12 | 6 |  |  |
| 2014-03 | 5 |  | AOCI drag >20% of equity |
| 2014-06 | 4 |  | securities losses >30% of equity |
| 2014-09 | 2 |  | assets shrinking, uninsured deposits leaving |

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

- 2026-04-10 [First Bank Texas appoints Stan Lambert to board of directors - Fort Worth Report](https://news.google.com/rss/articles/CBMiogFBVV95cUxNeFowcXROdXhXaVBkTWhHUFplNGlGUGpoa0FXdjZPLXVYMDlTN1d3SHFMWFBmTW9GUU43NnRySHVfM2VtcWhJakdVRmJnb0E0clZQZVIwLUN6Y3R4MkhxcWhfS291QnRPanZmVlBTT0ZVU3JwQ3pxMGNDcmtwOXFETFBLbnR3ZklmdHpia2c3clBsTFNKellrbjlxTy0zRTJjeUE?oc=5) · Fort Worth Report
- 2026-08-06 [FIRST FINANCIAL BANK ABILENE REGION ANNOUNCES LEADERSHIP TRANSITION AND EXECUTIVE PROMOTIONS - PR Newswire](https://news.google.com/rss/articles/CBMi4gFBVV95cUxPWDZaTFVHc3djdjQ1ZmFWR2NadExrQWZwVDZ6aHFha0RiVWpzb0h2dG5NZjZ5ck1rdGotWEVSNE1ka05WSldRZXE3YWJRWWZXNWVFc2U1UTJjeE5DZGN3ZThTclNpdVJOT1BMeGFQVno0YWpMZzUyUnNSV3FWVUp5Ml9nN2F3NkQyVzBFQUw4RVg3YmhEbEJNS0YxVXE5bHU5YkFRTDNZbFdxMGZhcklqalBqelZULTUtblotZVVJZE4wT2hWczRFeWQ0MnlURzhCb0E5U3VDUndUZDljVjZubFJ3?oc=5) · PR Newswire
- 2026-04-20 [Texas First Bank now open in Montgomery - Community Impact](https://news.google.com/rss/articles/CBMimwFBVV95cUxOTzRqNjRHdXp1VjF4QlBrbTM3SEJEeGhXZXZWUlgxRGtHSURHemZQaWpnNmpMWndtcmp3T0ZwOWFrN3lFZkhHX2lrUHNRazRwU0xiSm1MTGJycGpyZFN5RkdkYXRpTVNMM0J0bk94RFQ3ZXZuY3gyNVZxYWt5VFZjZkpSeW5EdG13MDJMenVIbmc4NmdUWTVWSzZ4bw?oc=5) · Community Impact
- 2026-03-17 [First Bank Texas Chairman Zan Sharp Prince Appointed to Two Statewide Boards - Fort Worth Inc.](https://news.google.com/rss/articles/CBMilgFBVV95cUxOUE5UTEpBQ3dpR2hOQUYzd1I2Qnh5WGRkMzZzVDdBWW5zeGRKRHNWakoycXlKZ2RScE1NOWRKUUZxLTVFZnFHVXRydWhDdXJXYWFoRDJUbDRNVDVFcERZVjJ6QkdzeUpzNWNnTUhxbERaaUxnU251SkhjZmVHcDNkOER5NWdvdjM0RkRxc3AtRUlVaHlVc2c?oc=5) · Fort Worth Inc.
- 2026-03-19 [Zan Sharp Prince Appointed to Two Prominent Texas Boards - The Business Press](https://news.google.com/rss/articles/CBMimwFBVV95cUxNZy1tMGJzQnY5SlhDOVp1MGdCS0VUR1BlVS0tYWlFRkNFTV8wTkRKMFlpeVRlOE9XbFR4SVBnWmdnZ1ZlWGY4cXRMakprdDlOM1hVbUR1enNoRFotV0x0UGZPa0VpWnMyanRtTzFBd0tWNGM5bzRrLTN5MzhJMFBSVE93YWhudGU1N0RiTGJCYVQ0RndLcTlFaEt4cw?oc=5) · The Business Press
- 2026-04-21 [First Financial Bank Makes Greater Houston Leadership Appointments - ABF Journal](https://news.google.com/rss/articles/CBMimgFBVV95cUxQYzdKS2dscHl4V3h5eVNzOUMzVi16YTBMQko5NUpxTlN5YXRoTHgzVXJ0ZVpmUWUxWi0wc25ZQ1BuSHpKT0xDMzliM01aOVpGdmFmXzZjeFJiV2N6ZVJtdkFORGVIWlRaU05FQUEwbTg0RHVid0dfS0lZMEpGbDVuakNsdHktNHpsbVY5VURqX3FPVlBNdjNDWkp3?oc=5) · ABF Journal
- 2026-04-02 [Southside Bank Taps Veteran Adviser Amy Sutton To Lead North Texas Growth - Fort Worth Inc.](https://news.google.com/rss/articles/CBMilgFBVV95cUxPcUlQTDl3VGRPOXZ0TDYzOTh0SUNLMlpBZ3kyYjFMWk1wVG9ZQ3dMaU9QanU1NlBuYXJKMFBWVWNPTUtVYXhNc3B1N2NxUHRuWlVGUktSOXFCSVRPZENDT0kxMHZVVGFOODdOLUd1enE5eUZiMV84emZoUmVNbi1LYUxGdnE0MFB2bndMZFVuRG1IMjF0RGc?oc=5) · Fort Worth Inc.
- 2025-11-11 [First Bank CEO Williamson bets on AI and Texas expansion amid flat growth over 5 years - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxOSVluelBrRk5acE9nbFhxMmdDdDM1UFRuYjZ4V0VBVGtiOV9aLVVYd25Za3FsVERpNTlFZ2t6UlZ6MmtkVXV4YjFIRjR4WlRxdThKRnVwc3RXV3BaeXZLd0ZtY0plWk9GY0pBeno2T25RODVock9uQ2FKV2pvNnIyREZoVVZTWGwzQnJHaEpxU0NBRVFfWmJuX3NLTnYwZUgzN1VNaE40OA?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=5584 (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 "5584", 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