# BANK&TR BRYAN COLLEGE STATIO
BRYAN, TX · FDIC certificate 58249 · asset band $300M-1B · latest filing 2019-12 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $631.3M | |
| Deposits | $552.3M | |
| Loans and leases | $455.6M | |
| Total equity | $76.5M | |
| Loans / deposits | 81.39% (p41 of band) | 85.34% |
| Liquid assets / assets | 24.55% (p55 of band) | |
| Uninsured deposits / deposits | 40.28% (p89 of band) | 22.41% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p10 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.68% (p68 of band) | 10.60% |
| Unrealized securities loss / equity | 1.97% (p74 of band) | 0.73% |
| AOCI / equity | 3.61% (p71 of band) | |
| ROA (annualized) | 1.58% (p81 of band) | 1.13% |
| Net interest margin | 4.05% (p70 of band) | 3.74% |
| Efficiency ratio | 53.90% (p16 of band) | |
| Noncurrent loans | 1.27% (p80 of band) | 0.54% |
| Net charge-offs (annualized) | 0.01% (p37 of band) | |
| Reserve coverage of noncurrent | 104.42% | |
| Real estate % of loans | 91% | |
| Construction % of loans | 78.49% (p82 of band) | |
| Auto loans | $1.2M (0.27% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 0.6% | |
| Employees | 83 | |

## Flags firing in the latest filing

- none

## 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 | 1 | capital falling |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 0 |  | capital falling |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | capital falling |  |
| 2014-03 | 0 |  | capital falling |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | capital falling |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | capital falling |  |
| 2015-12 | 0 |  | capital falling |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | construction >100% equity |  |
| 2017-03 | 0 |  | construction >100% equity |
| 2017-06 | 2 | capital falling, construction >100% equity |  |
| 2017-09 | 0 |  | capital falling, construction >100% equity |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |

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

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58249 (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/9.json (key "58249", 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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