# AUSTIN COUNTY STATE BANK
BELLVILLE, TX · FDIC certificate 58484 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. 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 | $543.0M | |
| Deposits | $489.7M | |
| Loans and leases | $391.5M | |
| Total equity | $49.1M | |
| Loans / deposits | 78.51% (p43 of band) | 82.04% |
| Liquid assets / assets | 25.59% (p52 of band) | |
| Uninsured deposits / deposits | 28.97% (p62 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.19% (p27 of band) | |
| FHLB advances / assets | 0.19% | |
| Tier 1 leverage | 9.55% (p24 of band) | 10.81% |
| Unrealized securities loss / equity | -3.09% (p72 of band) | -8.10% |
| AOCI / equity | -1.71% (p10 of band) | |
| ROA (annualized) | 2.21% (p91 of band) | 1.28% |
| Net interest margin | 5.11% (p95 of band) | 3.91% |
| Efficiency ratio | 49.50% (p18 of band) | |
| Noncurrent loans | 0.37% (p46 of band) | 0.43% |
| Net charge-offs (annualized) | -0.02% (p5 of band) | |
| Reserve coverage of noncurrent | 489.75% | |
| Real estate % of loans | 68% | |
| Construction % of loans | 98.82% (p86 of band) | |
| Auto loans | $1.0M (0.27% of loans; DQ 0.86%, NCO 0.00%) | |
| Loans to nondepository financials | $4.5M (9% of equity) (p96 of band) | |
| Deposits YoY | 30.2% | |
| Employees | 67 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## 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 | capital falling |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | capital falling |  |
| 2013-03 | 2 | construction >100% equity |  |
| 2013-06 | 1 |  | capital falling |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 2 | capital falling |  |
| 2015-03 | 1 |  | capital falling |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 0 |  | construction >100% equity |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | capital falling |  |
| 2019-03 | 0 |  | capital falling |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 2 | capital falling, construction >100% equity |  |
| 2020-03 | 1 |  | capital falling |
| 2020-06 | 0 |  | construction >100% equity |
| 2020-09 | 0 |  |  |
| 2020-12 | 1 | construction >100% equity |  |
| 2021-03 | 2 | capital falling |  |
| 2021-06 | 1 |  | capital falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 0 |  | construction >100% equity |
| 2022-03 | 2 | capital falling, construction >100% equity |  |
| 2022-06 | 1 |  | capital falling |
| 2022-09 | 1 |  |  |
| 2022-12 | 2 | charge-offs p90 |  |
| 2023-03 | 1 |  | charge-offs p90 |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 0 |  | construction >100% equity |
| 2024-03 | 1 | charge-offs p90 |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 0 |  | charge-offs p90 |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 1 | charge-offs p90 |  |
| 2025-09 | 0 |  | charge-offs p90 |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | capital falling |  |
| 2026-06 | 1 |  |  |

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

- 2026-09-03 [2026 Fayette County Junior Livestock Show Grand Champions - The Fayette County Record](https://news.google.com/rss/articles/CBMingFBVV95cUxObkhESHFKY0d0WW5wRU1PV01KYTgwUDA5WHRHaGwxdlJQT0FxbnZRQUwxckozb2s1TnkzR1FoMHNlZlN3WE5hYkR3cnBXdVFrV1NxR0dtLVVvaWhsdUkwZ3VxZEVaZHM5ZGpXZGxGemQ1RXpySEVfY2VOQ1R1OWVkaDhpbVh0M3M1LWZMS1NWcUVtMGVkRkR3dW1VeHFZdw?oc=5) · The Fayette County Record
- 2026-07-16 [Houston’s fastest-growing community bank increases deposits by 513.3% - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxQOUFPaGg1alNRc0t3ZEZEcjMxdnBNRkNLc3lxc3hac1A3UnhiMEktZUJXMWxiYXY3R3ZPYU1xUzdHNU9Hbm9qVENENnFCcHEwWEJkcS1jTkpzekg4VXg3cUxqQWlFMmlwTWJSY2I5b1psWG82Ykgtc196dGx2SnByNHBkMW5MVHF5b2VhY0hrekJuaFJWQnJtdDBGc3pockxsT0J1YWlB?oc=5) · The Business Journals
- 2021-09-17 [Curtis Arthur Mccauley, Jr. Obituary Sep 17, 2021 - Klein Funeral Homes](https://news.google.com/rss/articles/CBMiY0FVX3lxTE1GTEtfSFczVF9XamJNcEs1dm9ZYzdEM2djMEFXNWhJQWhHWkZ6b3FCYnVsSVpNSjVvOEs2d0RLVGxUT19wNnJGaGxib2Jzb2FPb0pYcGNibUdiU3hTVDJKbmR1Zw?oc=5) · Klein Funeral Homes
- 2021-09-17 [Curtis McCauley, Jr. Obituary (2021) - Magnolia, TX - Klein Funeral Home & Memorial Park - Magnolia-The Woodlands - Post and Courier](https://news.google.com/rss/articles/CBMiowFBVV95cUxQNGgtMFcwaG9pN1ljZ09qcUtVMmc3aUFDU1NtcDlZN0FVOUduUzR1SER2S1VGUWJlUy1uNHFPR2s1S0VGQl9nT2tlMVBfNDRJUlBQOUN5UFpZZTNzYU5XeHZlMVZNd015VlJGMHMtSlIwdjYyWmliRHltdkxwaHRLQmsyekEtcldCczA4M0VzbUtFbWwxNkVpTHpNRGNLVnY0RVl3?oc=5) · Post and Courier
- 2024-02-28 [Google Wallet grows with 42 new supported banks in the US - androidpolice.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxQdTExb0swWkFSZ0xMRGU1OElrTVI2TFRrT1RUaFFkMTJtR0pIM0VmVGJXQ2hYbVZ5dEFwTjhZLU1Jbk9nT21iYmZmWVZFdWtMQTdGcXBOQVl6b3R6SWVmTDBaWGlWWVRCZXN4bmpOeVZ2cS01bTRYeFF6Yi14Tm40MDVCRkR3WXNLUnBKbXY1MzVpeWc?oc=5) · androidpolice.com
- 2018-10-12 [AUSTIN CO. FAIR PARADE RESULTS - KWHI.com](https://news.google.com/rss/articles/CBMiakFVX3lxTE9PTkhkRi11eER3X19BUHNJQjN0NTVFMnh2TExFMU1kRTVNczRzLXhSSEZNVERyczZ2ak1OQTNfZWREa1RVT1RsVWZTYVoyRFVWcjNtcWkyeU1SWktkVEpKR3RTSWVqd3MtSnc?oc=5) · KWHI.com
- 2018-07-06 [Kiecke - SouthTexasNews.com](https://news.google.com/rss/articles/CBMiuwFBVV95cUxOckF2eFFHWll0Sjh2Q2lwMWZrQzE3a1Y1R0pQTkwtWXlUeTYta0hFRE1laDNCdEZmMXMteVhITmJLTlIwNzBRbGlRM0puNllRM0dhdjU4X1kwSVJpNFFVcVJVS0Q0ZjZ2b18tSVRGb3RrY0RtLTY1YU80Q2pVUEwxTGZyRWZlQi1WMzZnNllyWXBQUVpLcFdFMW9HU0dfWDc0N0pHRFBqakVIWmVqMVgxNHB3cE5yMnpGelY4?oc=5) · SouthTexasNews.com
- 2025-11-19 [Jason Leon Samford Obituary (2025) - Bellville, TX - Schmidt Funeral Home - Bellville - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxOX3hSNXpmYy1GdzRzbHByTF93a2w0b2twVk9PNDU1MzJyTVF4akxQUndLOUl5QXNUdnZoN0N3NExlWGR1c1BJWHc0QzJNdlJHUm9TWlYxbk1CcjVadVB5RzFOU3dtMy1pb004RjctUXcwV0pxbUpBaTVLS2Z0S2VoNjF3?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58484 (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/52.json (key "58484", 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