# FIRST ASSOCIATIONS BANK
DALLAS, TX · FDIC certificate 58453 · asset band $300M-1B · latest filing 2012-12 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $375.7M | |
| Deposits | $319.8M | |
| Loans and leases | $22.6M | |
| Total equity | $46.2M | |
| Loans / deposits | 7.01% (p1 of band) | 75.31% |
| Liquid assets / assets | 92.21% (p99 of band) | |
| Uninsured deposits / deposits | 1.34% (p2 of band) | 13.08% |
| Brokered deposits | 2.00% | |
| Wholesale funding | 4.18% (p42 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.26% (p77 of band) | 9.68% |
| Unrealized securities loss / equity | 21.50% (p99 of band) | 3.60% |
| AOCI / equity | -3.85% (p1 of band) | |
| ROA (annualized) | 1.77% (p91 of band) | 0.84% |
| Net interest margin | 2.48% (p5 of band) | 3.66% |
| Efficiency ratio | 71.02% (p57 of band) | |
| Noncurrent loans | 0.00% (p1 of band) | 1.63% |
| Net charge-offs (annualized) | 0.00% (p7 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 0% | |
| Construction % of loans | 0.00% (p2 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 15.3% | |
| Employees | 14 | |

## Flags firing in the latest filing

- **NIM <2.5%** (`earn_nim`)

## 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 | 1 | uninsured deposits leaving |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 | NIM <2.5% | uninsured deposits leaving |

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

- 2012-10-16 [Strong Loan Growth Makes Pacific Premier a Buyer - American Banker](https://news.google.com/rss/articles/CBMijAFBVV95cUxNYmpRZGw1VlZWQmhEcmo0NHNDaEZGZ1B6NGYxQTVCeUkzYXY4dDBXTnpPdENPODJCQkhtRVJiNVJUaUE1NXBnSDdxYkIzS2NHSG9LZmJKbVJUbEJxNktMcVJLY0RTbk5LcUVhTFQ1d0R5NVNlSUFaM0g3eURVRTk3eURPZmdQOWI4aEQ5aw?oc=5) · American Banker
- 2013-05-20 [Growing Disillusioned With HOAs - Texas Monthly](https://news.google.com/rss/articles/CBMigAFBVV95cUxNUDNJREtTVTE4RUEtRzZtejF4TV85dDRFSXVfajl3b0loMkhEc0RVbnNsbkV0bE9mcHItd2lpTm9OYVh1cTVPTE80NHpsRDBRTDVLdEk5T3JSaDdadm5aalV0Xzh6RGp2d2JiRGs3aGhWU2hfdllZV2tjUGRaZmhVdw?oc=5) · Texas Monthly
- 2015-07-31 [POWER PLAYERS: Associa enjoys explosive growth - The Business Journals](https://news.google.com/rss/articles/CBMirwFBVV95cUxPWHJKb3FhV3BIeTNzNU85MkZMQ19ZQWgtYWZ1WDhXRzR1Ui12VTF6eEFNbDZkQmVVM1JvMFVaOVZiMkhoS21JTlNSTThsS0x2OVdWLU1tYWx4WVFkVjBzRFVmQW42Yk9SZFQ5bWVSTTlRamdsejdPc2hCZXZud3pVSDkweHNYY3d1NVNfb2ZFNlFzZFJnSkw5MFNJWVFZYTBYb2xxZGR0Wmg3ZGNQcEtR?oc=5) · The Business Journals
- 2013-05-20 [For John Carona, Conflicts and Interests - The Texas Tribune](https://news.google.com/rss/articles/CBMihwFBVV95cUxPT0pVQTlDOXVjdmd3TjFWc3VJSDhmRi12ZV9rbF9xT3dtSDROajFGR091UFZuMnlKaWtSM1haQXRjY2h2ZGlCRGxBSXc0X01oNHRkV2JJY1FlMHhIODBmekI4MGhmcF90UmczX1F4R2tEMVF6bE50YnVUUFpnWHh3VVBzZmdnN3c?oc=5) · The Texas Tribune

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58453 (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 "58453", 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