# AMERICAN STATE BANK
ARP, TX · FDIC certificate 9967 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 3 (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 | $637.8M | |
| Deposits | $535.5M | |
| Loans and leases | $457.5M | |
| Total equity | $77.0M | |
| Loans / deposits | 84.41% (p58 of band) | 82.04% |
| Liquid assets / assets | 20.54% (p34 of band) | |
| Uninsured deposits / deposits | 34.88% (p79 of band) | 25.97% |
| Brokered deposits | 4.42% | |
| Wholesale funding | 7.55% (p69 of band) | |
| FHLB advances / assets | 3.14% | |
| Tier 1 leverage | 10.91% (p53 of band) | 10.81% |
| Unrealized securities loss / equity | -1.26% (p84 of band) | -8.10% |
| AOCI / equity | 0.07% (p83 of band) | |
| ROA (annualized) | 0.08% (p4 of band) | 1.28% |
| Net interest margin | 2.85% (p7 of band) | 3.91% |
| Efficiency ratio | 90.55% (p95 of band) | |
| Noncurrent loans | 2.03% (p89 of band) | 0.43% |
| Net charge-offs (annualized) | 0.66% (p98 of band) | |
| Reserve coverage of noncurrent | 58.83% | |
| Real estate % of loans | 93% | |
| Construction % of loans | 55.49% (p61 of band) | |
| Auto loans | $933,000 (0.20% of loans; DQ 2.89%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -1.8% | |
| Employees | 67 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | losing money |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 0 |  | losing money |
| 2011-12 | 1 | reserve under noncurrent |  |
| 2012-03 | 4 | capital falling, deposits shrinking, assets shrinking |  |
| 2012-06 | 4 |  |  |
| 2012-09 | 2 |  | deposits shrinking, assets shrinking |
| 2012-12 | 2 | uninsured deposits leaving | reserve under noncurrent |
| 2013-03 | 1 |  | uninsured deposits leaving |
| 2013-06 | 1 |  |  |
| 2013-09 | 2 | reserve under noncurrent |  |
| 2013-12 | 1 |  | reserve under noncurrent |
| 2014-03 | 0 |  | capital falling |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | capital falling |  |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 1 | expense ratio p90 |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 2 | capital falling, loans-to-lenders >50% equity | expense ratio p90 |
| 2016-03 | 5 | reserve under noncurrent, deposits shrinking, assets shrinking |  |
| 2016-06 | 2 |  | capital falling, deposits shrinking, assets shrinking |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 3 | charge-offs p90, assets shrinking, uninsured deposits leaving | loans-to-lenders >50% equity, reserve under noncurrent |
| 2017-06 | 5 | loans-to-lenders >50% equity, deposits shrinking |  |
| 2017-09 | 4 |  | loans-to-lenders >50% equity |
| 2017-12 | 1 |  | assets shrinking, uninsured deposits leaving, deposits shrinking |
| 2018-03 | 1 | capital falling | charge-offs p90 |
| 2018-06 | 0 |  | capital falling |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | liquid assets <10% |  |
| 2019-03 | 0 |  | liquid assets <10% |
| 2019-06 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2019-09 | 2 | capital falling | reserve under noncurrent |
| 2019-12 | 2 | reserve under noncurrent | charge-offs p90 |
| 2020-03 | 2 | charge-offs p90 | capital falling |
| 2020-06 | 0 |  | reserve under noncurrent, charge-offs p90 |
| 2020-09 | 1 | uninsured deposits leaving |  |
| 2020-12 | 0 |  | uninsured deposits leaving |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | reserve under noncurrent |  |
| 2021-12 | 0 |  | reserve under noncurrent |
| 2022-03 | 1 | liquid assets <10% |  |
| 2022-06 | 2 | capital falling |  |
| 2022-09 | 3 | loans exceed deposits, expense ratio p90 | capital falling |
| 2022-12 | 6 | wholesale funding >15%, losing money, construction >100% equity |  |
| 2023-03 | 8 | leverage <7%, capital falling, noncurrent p90 | liquid assets <10% |
| 2023-06 | 5 | reserve under noncurrent | loans exceed deposits, wholesale funding >15%, losing money, capital falling |
| 2023-09 | 3 | uninsured deposits leaving | leverage <7%, noncurrent p90, reserve under noncurrent |
| 2023-12 | 5 | deposits shrinking, assets shrinking |  |
| 2024-03 | 8 | losing money, NIM <2.5%, charge-offs p90 |  |
| 2024-06 | 7 |  | charge-offs p90 |
| 2024-09 | 5 |  | construction >100% equity, uninsured deposits leaving |
| 2024-12 | 6 | charge-offs p90 |  |
| 2025-03 | 5 |  | charge-offs p90 |
| 2025-06 | 6 | charge-offs p90, reserve under noncurrent | NIM <2.5% |
| 2025-09 | 4 |  | charge-offs p90, reserve under noncurrent |
| 2025-12 | 4 | noncurrent p90, reserve under noncurrent | deposits shrinking, assets shrinking |
| 2026-03 | 6 | charge-offs p90, assets shrinking |  |
| 2026-06 | 3 |  | losing money, noncurrent p90, assets shrinking |

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

- 2025-10-10 [Settlement reached after claims, counterclaims of stealing trade secrets following Happy State Bank-Centennial merger - lubbocklights.com](https://news.google.com/rss/articles/CBMi2wFBVV95cUxPQTlaa2cyOTN1NlIwbFVfbnNvSXZWU2pWMV9fN1FhMFdGWUxHWHM5ODV2ekxGcjRPRERGMWF4eEhKZFJyYjZVaUtVdm9vTWxrVzJtUkl0MElpbmZUVkZOZGFpclFvdTJ1NXRRZnJ3RTVlRkhsMGYyUWNfYmVWRG9rMzYyX3Qwa3dOc1NqeHY5c2JJSi0zaTNGZlZqSDBXSFB2QXVrNW1Ra3pGQkZTZklBd1hJMklwakhwX05JZHNIdTU2RG9CeHBwSUt6d3Q0WksxMDRSdE9Pdi1pdWs?oc=5) · lubbocklights.com
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2024-11-18 [BOM Bank Completes Acquisition of Nine American State Bank Locations in Texas - Bossier Press-Tribune](https://news.google.com/rss/articles/CBMipgFBVV95cUxNZ2psVTBWZDhUWmZkVG5OVkZxTE94RlZWZlVNb1o4VGc0cFBWNTlLNzRLSUNoODdPTTQtLWdlektWb0g1U2ZCdndDS0JGT2t5Y2pXNk1wNS0tSVlEWFJEeWw5RFVUS1Zwdlkzb3hMbjVWNmY3UGFXNmFTZko2V0p4TFdCRTJQblBNQVFKMHNPSGlETXo3TDZjR3RLWE5uV1RPRlVCemZB?oc=5) · Bossier Press-Tribune
- 2022-10-27 [American State Bank partners with second-largest shareholder in quarterback Patrick Mahomes - KLTV.com](https://news.google.com/rss/articles/CBMivgFBVV95cUxOWVBzUFVfT3JDSTkxbWpTNld5eGJ1bk5XaXJJVHRIVlRNUWdLeG5uMy1Pb2lUcWtaZ3o2bm1oMWR5cDd4VUZsMFZkMzdXdkNzQ3RIbDZueXJXRGFQYkdCaWtvVmZlY0FQalIzOExheko4ZlluUGNVV255dkJidTdLa1hMOHRYY2JNdFRlRVZVOTRENDdnSHp5LXJHUmRDb0FGRkdqaGE3N3l1amdudDJ3LTNmZzVfM2Rla1ZNV1NB0gHSAUFVX3lxTFB5NmhpWnZaRnhINzN2RTZVMFNta2FnQUlYU2pYQnZmaWpZbFg3NVdGUWp3RzB6THRhWGRMNERLX2lXMU8yS1FCZ3hOZ1diT2F1UHlxTEp0bHUtZmxOTTVUOTVLVmk0enNUeVczcnpESnc1REJlR0Jab040eVlSMEhpbzYxc0EwTGM3TkhnTlBqWTQ2cGc1T1FaNGlKZFphV3lYM3pwOUdtZnFsOXNFeklrRnR2T3dsOTVRWXJYV3VNbVhwTlgxNThrcGRNMTlnT09oZw?oc=5) · KLTV.com
- 2022-06-03 [American State Bank expands to South Plains, opens loan production office with Lubbock bank leader - Lubbock Avalanche-Journal](https://news.google.com/rss/articles/CBMi7gFBVV95cUxQWFlyVG9BRnJEclhOdW5LMXZmQmlWR3o2S3VJc2hMS2txdUxvYVFiU0dZZUM3d0FuRWs2cUtrYzAtbk9jUFZMelR2MVZsMjZZUlNqck1hRGYzSk41Yzl5d1hPRDlKajJvZFFRSmFRamR5N0R0Ti0zeXJpMGZ4MHllSFg2Z2JaUmV3N3lTREdFWVZfQTNzLTZjVjVXT0wwRDBVRGd5Nk9heURvUXhETHlsTzAzVWpIaFJoTVE3VGV4UUpja2x0LTZ4eVA5Q0ZRWmlScVc2MzA3Tlg1bmZ6OFlZVm1vYTFEUVBjb0dvNUp3?oc=5) · Lubbock Avalanche-Journal
- 2024-06-28 [South Texas ranch owner grapples with financial woes — including over the East Texas bank he owns - San Antonio Express-News](https://news.google.com/rss/articles/CBMingFBVV95cUxQVTB6eWg3QUg0VGxPYTR3YVNKckVyVXhtYUo1NmdkYU8yTjZ1VUx4VzRGVnkzZEtUZWFTOEQ0UHNIUXpSOEZ0TnlLUkdxYU95VWJ0dlVpQ1Fqd3EyYkJzTTdaSlhQaUFYRFhKb3dwdFNqQlNxSklxUkc4Nko3al9xbHVsbUJRQmRkbVJRTUVRYkdLY1FuT1A5SUxjT2lKdw?oc=5) · San Antonio Express-News
- 2017-09-11 [American State Bank Welcomes Commercial Lending Officers - PR Newswire](https://news.google.com/rss/articles/CBMisgFBVV95cUxQYjBSWUNKN2FOb25BVjNTbDh6RUxIa0NCM0dTX0Z4U2hieGpyMHctaTF5THh6YVE4QldBaHR2WDV6Rk5ocWNJTFBoWnJTT0w1bnVaYlJ3N0VoT1pkLUw0eXkzTVEtV2pKeFRMYzZrZ0psT0hab2thdWFKNmN6UWdWOWtiUmFxZXhVaTljS29tSExadGFiNU1kaEJKdWZZdnZrVDVoc2xwY0FMVWRPN1gyZXZ3?oc=5) · PR Newswire
- 2022-08-07 [American State Bank names Amarillo Region market president - Amarillo Globe-News](https://news.google.com/rss/articles/CBMivwFBVV95cUxPV2hnMWpDVk5RaUVQTW91c05QdDBZcTZwZlJsNXdxUzVhOXItY3QxVzdkajBiNVdTbk5GWS1Wd1k2SHNMWXZmVG11ZjZqSEprRkVWeHQwc01FNUp1MmV4ODdLN0YtRWNCc25WVVVoYnBNZEQ2M0NpZS04bTFzd2I3T09qNUJXeUpNVUg0amRld3dNY0dOcnNoRWhLV0xERDZIbVdxVlgtZVlYMkVHd21rTEFaX2FtRk5qaXBwZldBWQ?oc=5) · Amarillo Globe-News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9967 (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/47.json (key "9967", 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