# NIXON STATE BANK
NIXON, TX · FDIC certificate 9970 · asset band <$300M · latest filing 2014-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (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 | $77.6M | |
| Deposits | $72.2M | |
| Loans and leases | $20.8M | |
| Total equity | $5.3M | |
| Loans / deposits | 28.14% (p5 of band) | 68.03% |
| Liquid assets / assets | 70.35% (p94 of band) | |
| Uninsured deposits / deposits | 11.73% (p48 of band) | 12.24% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p19 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 7.03% (p4 of band) | 10.34% |
| Unrealized securities loss / equity | -2.37% (p26 of band) | -0.15% |
| AOCI / equity | 0.23% (p35 of band) | |
| ROA (annualized) | -0.64% (p4 of band) | 0.74% |
| Net interest margin | 2.62% (p9 of band) | 3.59% |
| Efficiency ratio | 121.85% (p97 of band) | |
| Noncurrent loans | 0.02% (p14 of band) | 0.94% |
| Net charge-offs (annualized) | 0.15% (p82 of band) | |
| Reserve coverage of noncurrent | 10950.00% | |
| Real estate % of loans | 63% | |
| Construction % of loans | 49.65% (p81 of band) | |
| Auto loans | $344,000 (1.66% of loans; DQ 7.85%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -13.2% | |
| Employees | 24 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | losing money, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 3 | capital falling |  |
| 2011-12 | 3 | leverage <7% | losing money |
| 2012-03 | 4 | losing money |  |
| 2012-06 | 4 |  |  |
| 2012-09 | 4 |  |  |
| 2012-12 | 4 |  |  |
| 2013-03 | 5 | charge-offs p90 |  |
| 2013-06 | 3 |  | reserve under noncurrent, capital falling |
| 2013-09 | 4 | deposits shrinking, assets shrinking | losing money |
| 2013-12 | 3 | reserve under noncurrent | leverage <7%, charge-offs p90 |
| 2014-03 | 4 | losing money, expense ratio p90 | reserve under noncurrent |

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

- 2026-01-22 [Ashley Holmes Turberville Obituary Jan 22, 2026 - Tres Hewell Mortuary](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE03a05sa3JzLVVyNzcxazRmX3lLMldHbkFnbGlfcWhCMC1LSm9BOVZNZEZxSm11azAtNXBvQUZfWWV2aEIyRDlYdW5UVXVDbnEzdEpWSk5XazJwYjJlTUNsc0V2Rm9qZ3M?oc=5) · Tres Hewell Mortuary
- 2016-02-02 [Seguin’s First Commercial acquiring Jourdanton bank - San Antonio Express-News](https://news.google.com/rss/articles/CBMirgFBVV95cUxPc3hkaFRpSm9xMHlXTFlxS296Wnp5TkgwUy1PT3otNkFLUkcyQ2t6NWtoX2VuZ1J1azREZWQ3Qk5xRDB4bldOTGZtOTdqdHJ1QS1vN3RzZ2FVR29oZlJ0bGxxR2drcUZHeGJQWDR3VXpncktKcUREb1h6YVAtMTRrQmxyVkY5bVp2bnFjMmNyeDI0MDhnb25KSmpXaHhYc2Z2OXZfeE9RTnFYc0pSRXc?oc=5) · San Antonio Express-News
- 2024-07-18 [John Dempsey Obituary - Temple, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMif0FVX3lxTE5ldkZFYlQ2bzNfUEVUd21jTFZjUEV2ZmxEaUM0WHgyQUEyUEpaLW53UTVGWDdjQmJiWWIyYUVXZGcyaHpDVklJNnlVb2J1aWJaUGJ4cndUMHRvTGhRcDBHTXdHYmNnZksxOHlub1lRd0dad21lbERvR0tLeThQbnc?oc=5) · Dignity Memorial
- 2018-08-03 [Clarence Ray Lucas Obituary - Visitation & Funeral Information - Mission Park Funeral Chapels & Cemeteries](https://news.google.com/rss/articles/CBMiaEFVX3lxTE55T0VGNDU3aFpfRXlMc3ZiNDF0TUFWclJWdnZ2enh6cHBUSGVvQ3laVXNfUTFHek1OY2QzRTNYby1tNlRRQ2FEUTVqdFdGNFhka1c3RHo5Ylc4M0pjaThHMXJCeWhUNnV3?oc=5) · Mission Park Funeral Chapels &amp; Cemeteries
- 2023-04-28 [Ann Brelsford Wagener Obituary Apr 28, 2023 - Tres Hewell Mortuary](https://news.google.com/rss/articles/CBMiXkFVX3lxTE1VTWZ4QlFDQlQ3OUVCd29xYWMtUU9nTkU0cWRCT1dxRks3MVZPblZpS3AzLW5hdlgwYU1HN3kwcXd1Nm4xeDJqVkl2X2wzdGVNeTlxbXlKWDhkZ3gyMXc?oc=5) · Tres Hewell Mortuary
- 2019-01-03 [Crisoforo ‘Tito’ Garcia - Wilson County News](https://news.google.com/rss/articles/CBMickFVX3lxTFBraGNTME45NFU2eUdqTHlEVENDNEZLWXAtQ09VMjhlMjRtRzRKQ1F1MEtXbFdZV19UVEJ6VGJMYTdsX3Fac1BRQzBpMnRPRVN3a3F1RU9JRWFKLWJpdE56elBQbHpKVXJ2R2Y3TnU4NzJUZw?oc=5) · Wilson County News
- 2025-01-17 [Mindy Lanoux Obituary - San Antonio, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMihgFBVV95cUxNR3VyNW9DUmhzd2kxcnFHeGsxTnBvVnR1TDZndW5qbzNJNnY4cGM5X0VoaDlOajdIR3JqV3ZzUkhNVmthckF3Wm1ydmhTYmxuU2VZbjdJY2xOU2M1WVhGdkhJcURxa3RvYy1xRTlGckN1b2ZDVzFZVVB5X3JXcWFHa3VKcElSQQ?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9970 (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/50.json (key "9970", 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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