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BDI
SB

State National Bank

Groom, TexasFDIC Cert #3237

OCCEstablished 19251 branch

Holding company: GROOM BANCSHARES INCRegulator: OCC

FDICCERT + OFFDOM

Delinquency, loss & reserves

Credit

Early-stage delinquency, nonaccruals, realized loss, and allowance coverage from reported filings.

As of Q1 2026

Problem credits

Reported delinquent and nonperforming exposures, shown as balances and ratios.

30–89 %
0.00%
−100.0%y/y
Peer standing100th percentile
Peer standing in asset:lt_100m
FDICP3ASSET + LNLSGR
90+ %
0.00%
Peer standing100th percentile
Peer standing in asset:lt_100m
FDICP9ASSET + LNLSGR
Nonaccrual %
0.36%
−13.1%y/y
Peer standing43rd percentile
Peer standing in asset:lt_100m
FDICNAASSET + LNLSGR
Noncurrent %
0.36%
−13.1%y/y
Peer standing51st percentile
Peer standing in asset:lt_100m
FDICP9ASSET + NAASSET + LNLSGR
NPA/assets
0.95%
−9.8%y/y
Peer standing22nd percentile
Peer standing in asset:lt_100m
FDICP9ASSET + NAASSET + ORE + ASSET
NPA
$581K
−7.6%y/y
Peer standing22nd percentile
Peer standing in asset:lt_100m
FDICP9ASSET + NAASSET + ORE

Loss & allowance

Recognized charge-offs and the allowance held against the loan portfolio.

NCO rate
−0.08%
−101.0%y/y
Peer standing95th percentile
Peer standing in asset:lt_100m
FDICNTLNLS + LNLSGR
NCO
−$9K
−101.3%y/y
Peer standing97th percentile
Peer standing in asset:lt_100m
FDICNTLNLS + DRLNLS + CRLNLS
ACL/loans
1.74%
−19.8%y/y
Percentile by value77th percentileby value
Peer standing in asset:lt_100m
FDICLNATRES + LNLSGR
30–89
$0
−100.0%y/y
Peer standing100th percentile
Peer standing in asset:lt_100m
FDICP3ASSET
90+
$0
Peer standing100th percentile
Peer standing in asset:lt_100m
FDICP9ASSET
Nonaccrual
$162K
−5.8%y/y
Peer standing33rd percentile
Peer standing in asset:lt_100m
FDICNAASSET