# GUADALUPE BANK
KERRVILLE, TX · FDIC certificate 58768 · asset band <$300M · 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 | $261.1M | |
| Deposits | $234.1M | |
| Loans and leases | $203.0M | |
| Total equity | $25.4M | |
| Loans / deposits | 85.75% (p72 of band) | 73.59% |
| Liquid assets / assets | 19.15% (p20 of band) | |
| Uninsured deposits / deposits | 22.76% (p61 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.93% (p23 of band) | 11.76% |
| Unrealized securities loss / equity | 0.00% (p92 of band) | -6.57% |
| AOCI / equity | -0.01% (p70 of band) | |
| ROA (annualized) | 1.28% (p57 of band) | 1.17% |
| Net interest margin | 5.26% (p94 of band) | 3.93% |
| Efficiency ratio | 66.77% (p53 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p59 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 98% | |
| Construction % of loans | 137.02% (p98 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 13.2% | |
| Employees | 39 | |

## Flags firing in the latest filing

- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | capital falling |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 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 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 0 |  | capital falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | capital falling |  |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 1 | charge-offs p90 |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 0 |  | charge-offs p90 |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | capital falling |  |
| 2019-09 | 0 |  | capital falling |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | construction >100% equity |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 | capital falling | construction >100% equity |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | construction >100% equity |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 3 | capital falling, charge-offs p90 |  |
| 2022-06 | 2 |  | charge-offs p90 |
| 2022-09 | 1 |  | capital falling |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 5 | capital falling, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2023-09 | 4 |  | assets shrinking |
| 2023-12 | 4 |  |  |
| 2024-03 | 4 | assets shrinking | capital falling |
| 2024-06 | 3 |  | assets shrinking |
| 2024-09 | 4 | capital falling, assets shrinking | uninsured deposits leaving |
| 2024-12 | 3 |  | capital falling |
| 2025-03 | 1 |  | deposits shrinking, assets shrinking |
| 2025-06 | 2 | assets shrinking |  |
| 2025-09 | 1 |  | assets shrinking |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

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

- 2026-03-16 [Hill Country-based bank expands presence in San Antonio - The Business Journals](https://news.google.com/rss/articles/CBMinAFBVV95cUxPRWxiSTZxQmVYVEZxLWxEaWlCNU1aZU5Ibjd4U1dpUFU0SXRuMWwwR0xfLUluNlVwcmc4WWZLWHdJdXBDS2tyaVdqNHpWczNxb3RmbnBvWlV4dUxfQ3FFUUNOWGd0a0ZLX2ZyTUJ6ZHNCcEZ5NzZFdUdtTUhmckpRWllQaTVUMVc1SHpveGJnQzdKdU81VDhMM3V3SUU?oc=5) · The Business Journals
- 2026-03-19 [Texas banks split between mergers and independence - San Antonio Business Journal - The Business Journals](https://news.google.com/rss/articles/CBMirwFBVV95cUxQTFhpUFVSczl3UERJMWZLUmR5b1pFblFGalB0VEtWRHVSSDg1bVNTeVphTExscFZnSVg3S3RrM3puRXJDSTZINXhmSWhMcmJ5SXZwNmJZSFVIc0NrQnFSQ0xqRXhFYkJUZk1fLUJzY1ZnR1piTWRfSDRjajRxUWhDVHV5eE9BV21ZUDgxc1N4aHdNTFFwQnBteXA5WlNKTlkzNWpFeGNRSFI4NlhPQktv?oc=5) · The Business Journals
- 2024-01-10 [Emily Kirchner Joins Texas Regional Bank’s Economic Development Team - Texas Border Business](https://news.google.com/rss/articles/CBMiogFBVV95cUxOWGlvZThzdTBhcFMzVzVkbjJNMkNwanUydnh3cmE4a1BuT0hkQ0llNHc1eWE0Q3dDRW91UmcwajVSbzFTMFVVNjAzYjRMTU1NYTJzWG1zTnY3ZzRUT3o1NUUwdldkM1VqendJTkVoMVNyM0dPZDlBR2Q3dzM0NzF0M3dNaHd6R2NBWGdVYkVzYnRIVzlTZmZIcVM5S2tSNTJ5QVE?oc=5) · Texas Border Business
- 2026-04-17 [List extra: San Antonio banks, credit unions grow deposits by more than $2.3B - The Business Journals](https://news.google.com/rss/articles/CBMirgFBVV95cUxPM3VBeDlQN3I4MXNGSWFlR2pIX0RJT1gtcDRPSlhsY1NHR3V0ZF9aLWZkNnY0ZWlJWmRkenJUcWhMRG9rME5Wa0JjT0ZDSUZnM05NYXRQMGlxd0tKN1lUTGM4ald4UVNmb0pBX0hYNE9PMTNfeXhpNWJKVWJYWmxKY3pfQXpUQWktcm9WVHAwUnVPMUtEbjRiYkVEWFJNWllXMWNteDVlOVF1bG5kRWc?oc=5) · The Business Journals
- 2026-04-16 [USAA and Frost Bank earn spots on global trust ranking - The Business Journals](https://news.google.com/rss/articles/CBMimAFBVV95cUxPU2M4ZUhpNkpweVNRbWp4dV9Ec3g2QmZKd09ic2pWZTYwRkRjbHRoTTNxYV8wU29OdVh0N3MzT2hyZ1dGMEtScjI2c3VuUFE5N2xKZ3Y2N0xqNjk2VUR4dGU3S3h0TGVzYjZGckdKUkRieWt6UzhaUTYyRUhYeXRlN21JcW55X0lDMjhiWXFsd2ktZXlkZjdIRw?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58768 (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 "58768", 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