# FIRST STATE BANK OF UVALDE
UVALDE, TX · FDIC certificate 9978 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 5 (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 | $1.68B | |
| Deposits | $1.46B | |
| Loans and leases | $672.0M | |
| Total equity | $211.8M | |
| Loans / deposits | 45.17% (p4 of band) | 87.10% |
| Liquid assets / assets | 57.58% (p97 of band) | |
| Uninsured deposits / deposits | 58.34% (p95 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p6 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 15.66% (p94 of band) | 10.50% |
| Unrealized securities loss / equity | -45.87% (p3 of band) | -7.75% |
| AOCI / equity | -1.22% (p13 of band) | |
| ROA (annualized) | 1.19% (p44 of band) | 1.26% |
| Net interest margin | 2.52% (p6 of band) | 3.70% |
| Efficiency ratio | 44.70% (p12 of band) | |
| Noncurrent loans | 1.27% (p79 of band) | 0.51% |
| Net charge-offs (annualized) | 0.04% (p59 of band) | |
| Reserve coverage of noncurrent | 124.87% | |
| Real estate % of loans | 78% | |
| Construction % of loans | 29.58% (p30 of band) | |
| Auto loans | $3.6M (0.53% of loans; DQ 4.07%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | -10.3% | |
| Employees | 136 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **securities losses >30% of equity** (`cap_secloss`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 2 | capital falling, reserve under noncurrent |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 5 | uninsured deposits >50%, leverage <7%, NIM <2.5% |  |
| 2012-06 | 5 |  |  |
| 2012-09 | 5 |  |  |
| 2012-12 | 5 |  |  |
| 2013-03 | 3 |  | capital falling, reserve under noncurrent |
| 2013-06 | 3 | AOCI drag >20% of equity | leverage <7% |
| 2013-09 | 3 |  |  |
| 2013-12 | 3 |  |  |
| 2014-03 | 4 | leverage <7%, capital falling | AOCI drag >20% of equity |
| 2014-06 | 3 |  | capital falling |
| 2014-09 | 5 | noncurrent p90, reserve under noncurrent |  |
| 2014-12 | 4 | capital falling | noncurrent p90, reserve under noncurrent |
| 2015-03 | 3 |  | capital falling |
| 2015-06 | 3 |  |  |
| 2015-09 | 2 |  | leverage <7% |
| 2015-12 | 3 | leverage <7% |  |
| 2016-03 | 4 | capital falling |  |
| 2016-06 | 2 |  | leverage <7%, capital falling |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 4 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-06 | 4 |  |  |
| 2022-09 | 5 | assets shrinking |  |
| 2022-12 | 7 | noncurrent p90, reserve under noncurrent |  |
| 2023-03 | 4 |  | NIM <2.5%, AOCI drag >20% of equity, assets shrinking |
| 2023-06 | 5 | deposits shrinking, assets shrinking | reserve under noncurrent |
| 2023-09 | 6 | AOCI drag >20% of equity, reserve under noncurrent, construction >100% equity | deposits shrinking, assets shrinking |
| 2023-12 | 5 | NIM <2.5% | AOCI drag >20% of equity, construction >100% equity |
| 2024-03 | 5 |  |  |
| 2024-06 | 5 |  |  |
| 2024-09 | 3 |  | noncurrent p90, reserve under noncurrent |
| 2024-12 | 4 | deposits shrinking |  |
| 2025-03 | 5 | assets shrinking |  |
| 2025-06 | 4 |  | assets shrinking |
| 2025-09 | 6 | reserve under noncurrent, uninsured deposits leaving |  |
| 2025-12 | 7 | noncurrent p90 |  |
| 2026-03 | 4 |  | NIM <2.5%, reserve under noncurrent, noncurrent p90 |
| 2026-06 | 5 | assets shrinking |  |

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

- 2026-02-20 [First State Bank of Uvalde, Stary family donate to support first responder training - Uvalde Leader News](https://news.google.com/rss/articles/CBMiwwFBVV95cUxOcmt2RERGcG11R1ZmTUZKYjlHYV9rZGVaOFV2d2tPTm1uYUdwR2o2MnUtMzY2dXNtVTFwWEJybnBjWHVjUjVDdkh5OUVQeHVrNUNENkJmTzhZb29PSFFkQWwtaWx0NmpIbWU2TGNYUHZGOHNOZ0dCRENyNHE3V3ZoWVZtVGQ4RlJUNVZ0Q1RZR0dla1paYkdSdEM3R1lNa1JtUDNTQTFMRVlFRy1mQWNUOU9wb3ZTb0ZjT1VBNElLbUJPRVE?oc=5) · Uvalde Leader News
- 2026-04-10 [Beverly Ann Schmidt Obituary Apr 10, 2026 - Rushing-Estes-Knowles Mortuary](https://news.google.com/rss/articles/CBMiZEFVX3lxTE9BV2dXMkNYQm9ha05YX3dVMmk2ZWtjYzRkZnU0ZmN6RW9HbExmeEhrUzVHYWV2c2JXUlRMRnhSemJVa2hNa1ZSMXkwVm9yVlVKbVQ1UmJOZkgybVVzaXgxVUxqczg?oc=5) · Rushing-Estes-Knowles Mortuary
- 2026-02-20 [How to help victims' families, first-responders and Uvalde community after school shooting - ABC News - Breaking News, Latest News and Videos](https://news.google.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?oc=5) · ABC News - Breaking News, Latest News and Videos
- 2024-01-07 [Congressman Don Davis Returns from Eagle Pass, Texas, Emphasizing the Urgent Need for Bipartisanship to Address the Evolving Southern Border Crisis - Representative Davis | (.gov)](https://news.google.com/rss/articles/CBMiuAFBVV95cUxPUlZkMTJ4OU04TVUzTVNwbzB0eEFrTG52bTl5c2xPdDhIMDNJcHdvajN3OC1Zci1NUUNpVnEyMlZ3Rmg2YlNMc2RFVDF4czBNMVVCcTNBSmdibnJDLWhxNkJQSURWY3kycHZFZEZlQXR0ckRUa2hvVy0tdGtpc1VaN2I0cjM2RFpCLWNScmdGNlpZQVM4RGFWMXpRMTJENHNRa1lPcGNJTlpBeVdvOWFMcVkyVi1RMV9q?oc=5) · Representative Davis | (.gov)
- 2022-06-01 [Cowboys, NFL Lend Support To Uvalde Community - Dallas Cowboys](https://news.google.com/rss/articles/CBMihgFBVV95cUxQVFBMRV9tTmVUdkk4d2cwSklUY2xacTNnQjZDenBab1Y5ak9xRHBBNDZRLTIyN0dWclIxM1hrdnV1bFVhNlFDVlF6VnAzeVJWbHRUVHNRbnJ2ZkpNUVpFTkZBRVFfa2FIWlhZOXIydzB3cTZrNjJfOThIMVhnVGxfdW10UnN6dw?oc=5) · Dallas Cowboys
- 2022-05-31 [How You Can Help Victims Of The Uvalde Robb School Shooting - NBC 5 Dallas-Fort Worth](https://news.google.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?oc=5) · NBC 5 Dallas-Fort Worth
- 2022-05-31 [Uvalde shooter's grandmother, 9-year-old victims' condition upgraded - cbsaustin.com](https://news.google.com/rss/articles/CBMi3gFBVV95cUxPR3g5akdIVDF5U3FNNzFRdmF2VG5jNGVGWnE0UEZEdjB6Nl93TTFTcmJfcy1YM2ZhU1NYeTlYeDhSamJJYm02TkJBN3l0T1gwM25KUUhTb3hUaTY4Y2ZtZmhRc25PMm10OFZiSWRkdEV5R1Bnc09FV1ppY3cxN29ER3FsU0pYSFJDbVlPd2FnS21wRUlENjU0ZVpIb1VsNjFHM2ZkUFBPeGh5Nk93SGhvUlFnTWRNaXhFcGRGSjJRQ0NWdmZOclp1Z1RDZy16dTV4ZjhDZlhTWW5qZFh1Umc?oc=5) · cbsaustin.com
- 2023-11-07 [Cody Smith expected to become the next mayor of Uvalde, Texas - Scripps News](https://news.google.com/rss/articles/CBMiogFBVV95cUxOMlhvUXhfN2hpak40UXhYR2x6bkwxOHJEYzA5Umo1TE9saTZTV1o0alAzS1hKYk9xWXkzWjhfM2N3aEhhS3hHd1lyUkwwNWFXNEd0RUQ3R2l4TEJtenRibTkwRXdmVEFsZzVLSnN1TjM5bEZvWU4ydl9STUstekhER05qYU9uYm1GeG5pSXhoUHdYVjNyMEdlYllPYTdkbU1qWXc?oc=5) · Scripps News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9978 (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/58.json (key "9978", 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