# FANNIN BANK
BONHAM, TX · FDIC certificate 5589 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 1 (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 | $159.1M | |
| Deposits | $147.1M | |
| Loans and leases | $82.7M | |
| Total equity | $10.4M | |
| Loans / deposits | 55.22% (p25 of band) | 73.59% |
| Liquid assets / assets | 43.89% (p70 of band) | |
| Uninsured deposits / deposits | 22.05% (p58 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.60% (p7 of band) | 11.76% |
| Unrealized securities loss / equity | -41.85% (p8 of band) | -6.57% |
| AOCI / equity | 4.39% (p100 of band) | |
| ROA (annualized) | 1.46% (p66 of band) | 1.17% |
| Net interest margin | 3.78% (p42 of band) | 3.93% |
| Efficiency ratio | 70.64% (p62 of band) | |
| Noncurrent loans | 1.04% (p72 of band) | 0.36% |
| Net charge-offs (annualized) | 0.03% (p77 of band) | |
| Reserve coverage of noncurrent | 164.77% | |
| Real estate % of loans | 69% | |
| Construction % of loans | 94.02% (p93 of band) | |
| Auto loans | $1.0M (1.25% of loans; DQ 3.01%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 5.5% | |
| Employees | 28 | |

## Flags firing in the latest filing

- **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 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | AOCI drag >20% of equity |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 0 |  | AOCI drag >20% of equity |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | reserve under noncurrent |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 0 |  | reserve under noncurrent |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | reserve under noncurrent |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 0 |  | reserve under noncurrent |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 2 | capital falling, charge-offs p90 |  |
| 2019-06 | 2 | reserve under noncurrent | charge-offs p90 |
| 2019-09 | 2 | uninsured deposits leaving | capital falling |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 3 | charge-offs p90 |  |
| 2020-09 | 2 | capital falling | reserve under noncurrent, uninsured deposits leaving |
| 2020-12 | 2 |  |  |
| 2021-03 | 1 |  | capital falling |
| 2021-06 | 1 |  |  |
| 2021-09 | 2 | capital falling |  |
| 2021-12 | 0 |  | charge-offs p90, capital falling |
| 2022-03 | 3 | AOCI drag >20% of equity, securities losses >30% of equity, construction >100% equity |  |
| 2022-06 | 3 |  |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 2 |  | AOCI drag >20% of equity |
| 2023-06 | 2 |  |  |
| 2023-09 | 4 | capital falling, AOCI drag >20% of equity |  |
| 2023-12 | 2 |  | capital falling, AOCI drag >20% of equity |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 3 | capital falling |  |
| 2025-09 | 2 |  | capital falling |
| 2025-12 | 1 |  | construction >100% equity |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

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

- 2024-12-22 [Allen Sanderson named Fannin Bank President - North Texas e-News](https://news.google.com/rss/articles/CBMijgFBVV95cUxPVlJXa3o5UmpmclBpR0ZMaG1nazRVNGplV3pvbEZFTk5BdGV3dG42MUUwWERXbDNnX1FJTjdTeXdlVGJGQWhkSnpLXzNGdFFkdGMtakZMemdzSGpVcnJnY2JjTUtJdTc4dmlmVnF1NS1pdWZlc212UWM4RHY1MVBYNEpRbk9oeGotSU9rREl3?oc=5) · North Texas e-News
- 2019-02-07 [Fannin Bank honored as Business of the Year - North Texas e-News](https://news.google.com/rss/articles/CBMibkFVX3lxTE9vX1pxdjBISXNYTXRtYTA4Qm5lb2otcklvSjlDRUI1QzdqNDJ2WV9PeFZrTnp0a3g1NnJ3LThMREszaEtjSjcyWDBNai1pXzVlOG9XMlpzYjA2eGdlS2JldGVOeVBiRmZINkQ5aDJR?oc=5) · North Texas e-News
- 2019-08-18 [Ernest Deal Obituary (2019) - Houston, TX - Houston Chronicle - legacy.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxOOVdoSUI4UVhvVkRFbEM3aHh3QUVoU3UxR2U2REFqQVJyd3BqVHZnOFpBaW5xdzhZNG5fZDkydmZsNXlYcFJCMlVXbnV6X1BxVXBwdXotWjlYM0dsSE84ZTktbnRxUjhPV3M5Z3A0bTJ6a1ZOYjJsMW4xd2NTUG1hSy11S0M0ckdGUjlULWxtQXByRG1r?oc=5) · legacy.com
- 2025-07-11 [Fannin Bank - North Texas e-News](https://news.google.com/rss/articles/CBMijgFBVV95cUxPbnBKTV80VDMxOEJ1MkRwX0s0WWdfOUhCU25wa01rU3NFZWpaa3ljc0VCRTBKWWVWZjZBYzdXUDV1bnpjWDJoaTA2VXVpbExLNWNFZzY2NmczQlE2RkRDQVl2bm02c1JVRXZHeWFHMEZEbGQ1QmFlcHpOTXFqcVMxY3JldEpRdm10ODlGWm13?oc=5) · North Texas e-News
- 2016-10-10 [Fannin Bank employees showing support for courthouse restoration - North Texas e-News](https://news.google.com/rss/articles/CBMibkFVX3lxTE9SSzZsSE1kai0zYWhiNTRraDFzSVk3SE9Nc3Z0TkVOdGhUUktjbUpxNmMweUd1UjltZTRCbmkzVXVDSGpjR2s4aVd5NGJIanItWEw3d1BzQUVpNnVubFJJb1VJZ05teGg0NWNpOTBR?oc=5) · North Texas e-News
- 2018-12-14 [Fannin Bank Mortgage & Operations Center holds open house - North Texas e-News](https://news.google.com/rss/articles/CBMibkFVX3lxTE4yOFhqb2xROW5LamZpb18yb01zakFZWGpjWU5iMFhaZ3F3dnV0RGRwSmlfeURBbnM3aG90TXR5YWV3dkFzYlV1X1VlZXdTS0Y1bHZ1U2lUN1lwMWo4SDJITUx1NHozSnptbmFScVZ3?oc=5) · North Texas e-News
- 2019-06-15 [Bank of Windom granted official Texas historical recognition - North Texas e-News](https://news.google.com/rss/articles/CBMibkFVX3lxTE5EU0wwakl3bWRPUHRHZlpKcHFpQ2FIRWdEb0VpSUc5OW4wQzlxdGczUHZueGduS0h4bzZmQUdnaHpEaEwxbDYwQlpFWkZHb21ZRXlZcnRMc3JCbnU0NE9DQVhnbWdDNjhsOWRKWGhB?oc=5) · North Texas e-News
- 2010-05-06 [Texas Business Women Region 7 Conference Spring Awards banquet held in Bonham - North Texas e-News](https://news.google.com/rss/articles/CBMibEFVX3lxTFBPUkxCaTBRTDA3Zk0tNGJSVllNemI1NnFCSmZEMzdIckdnMFppY2d0dF9xeGRiZnJNcFlnUFlLWDNSeWFVb25LLXlYTDdhUDdOUlhEcmE0T3k2a2M3SnZNb0Nsd09yNGhEUTk4Sw?oc=5) · North Texas e-News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=5589 (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/21.json (key "5589", 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