# OAKWOOD BANK
DALLAS, TX · FDIC certificate 10334 · asset band $300M-1B · latest filing 2024-09 · 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 | $862.0M | |
| Deposits | $741.4M | |
| Loans and leases | $700.2M | |
| Total equity | $82.5M | |
| Loans / deposits | 93.80% (p79 of band) | 81.44% |
| Liquid assets / assets | 13.79% (p12 of band) | |
| Uninsured deposits / deposits | 39.64% (p87 of band) | 25.15% |
| Brokered deposits | 2.33% | |
| Wholesale funding | 4.90% (p45 of band) | |
| FHLB advances / assets | 2.57% | |
| Tier 1 leverage | 8.76% (p14 of band) | 10.43% |
| Unrealized securities loss / equity | -1.24% (p87 of band) | -11.42% |
| AOCI / equity | 0.47% (p15 of band) | |
| ROA (annualized) | -0.68% (p1 of band) | 0.95% |
| Net interest margin | 3.49% (p55 of band) | 3.38% |
| Efficiency ratio | 112.36% (p98 of band) | |
| Noncurrent loans | 0.00% (p5 of band) | 0.32% |
| Net charge-offs (annualized) | 0.38% (p96 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 60% | |
| Construction % of loans | 100.90% (p84 of band) | |
| Auto loans | $320,000 (0.05% of loans; DQ 0.00%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 3.6% | |
| Employees | 78 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **charge-offs p90** (`aq_nco`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

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

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

- 2024-04-25 [Bank once described as smallest in US to be acquired - The Business Journals](https://news.google.com/rss/articles/CBMiowFBVV95cUxNTXpEYV9zdTRwdE1HOWhGU0VxWE9LZHl3V09qdHN5bUloclJERTJmWFdJRl9aQVFsbHl6WHNLdVQ4MGJqOF9JZ1phd09JU3NfMllDWjE4RWdvZ3RCNVRqUmttaWlCYktTdFE4cmtUejR3U21XdFlKblFaYjUtNVhYTFYxbjZoS0ZnNk1tLTlad3dPZTB2T2xvb3BMMllScGF3MlpZ?oc=5) · The Business Journals
- 2026-02-04 [Edward Franco Appointed as Chief Technology Officer at Texas Global, LLC - hrtoday.in](https://news.google.com/rss/articles/CBMilgFBVV95cUxNTnNPV213YjhwTHlWa3gtQXJZdVpGdVUyVm9GUHhrT1VMTktacTNpdWNST2xpSkxlbnI2OTVRYnRhd3BhZDlDd0xoMGRXMnRWMnRxRHFoV3A1SU9NMVpuWE9yZ040REZzM2ZUVVMwaVVJUjhxSjVwNGFzVGMwazJDTFdwYi02U2FsNHl4N3dHYml6YjY0U0E?oc=5) · hrtoday.in
- 2025-07-08 [Louisiana takes a turn as small-bank M&A epicenter - Banking Dive](https://news.google.com/rss/articles/CBMizwFBVV95cUxOaW5lRE5qODRiTXlQajItc0ptTjY5YkdaVXk2b1NmOUo2ZEViQm9CbEsxaUdCTnZwclVQaTVsN0xqUmJUWF9uYVpBV2Q4aUJRTF9MektDY1MyUVRMcUpCTU1QcjI4bUVTMlA2Q3Z4dDR2aE1oWDc4eEg2bF9mdWJtMUlZdURnNmtEUVAwZE1zRkVjTlp5N0k3dmstMjlRLTFHRURfYUdjTHZFdE5OOWtDQVFkZXg0OE1ydkVYNjV6NkNiN1FTVU1GYUlGV3Y5b1k?oc=5) · Banking Dive
- 2024-10-02 [B1Bank’s holding company completes $85.7M acquisition - Baton Rouge Business Report](https://news.google.com/rss/articles/CBMilAFBVV95cUxPZnJUUlk0NnZvRUN5S0UyUU1ydWpIODFnVWw2YmljNDJVZVR5UHdhYjJzcmJKLTRsNjJfZ1lKRHNCeU5aOGU4aE53WWVFOTZoNUYyRGMwWElRMEVQaTBmUk40Wm5BdkN1LXRvb1dUazlPVkdjU3pEN25taURQZWRnUVU0ZXh0YmhVckVaUXhiRW1GQmZt0gGcAUFVX3lxTE5Vd0tlaWs4SHYtSEZTVWZvUklHaWtHMmpHRUdMbFJ4NXRxRWU2ZTNQdHJURHV2MnJEWVRYVU5TcnhtZy00TmRHSG43U0dQTzdlOGpnUm1LVGNmTHRxMU5GYm4xUVZKZ2hINzJLaWRZTVBDN24weXJXbmRNekNXMW9EVU41Q2J2NnBwWVBhM3YxaUU4V0xLZlNCNlNnaw?oc=5) · Baton Rouge Business Report
- 2024-09-04 [Baton Rouge's b1Bank gets approval for $87.5 million deal with Texas bank - theadvocate.com](https://news.google.com/rss/articles/CBMi8wFBVV95cUxPMnRYSEl0ZmY5SGQ0Z1d0d1hzR1dIb1lQZU5QV0pGUnFUeVFJZ3J2djVJQ1dlLWtvXzdzT0JJMk1EVXVZLXFlR20wSG81NzZtWmRONnRORlc0c2xobmotTWFBY0FvY1d5bFBLcUVwZDNXVGZpZnJpb2tXTGdrLURUZkV0WkV3Rjc2eHNfaWVYcDFCVHY1YmhadVhxc1JSVTVBd08xMkdjcmE1R0Rfbll3Um1oQXZMZmlDMFRWMXB0MDE4NlFxU2Z2WWwtZ1JKSWxvYUFoaFM2Q2xLNk5pWXJDdFhyY25rTVctTTNFX0dQN3F4QVU?oc=5) · theadvocate.com
- 2008-04-25 [The Bank Of Yesterday - Still Open - CBS News](https://news.google.com/rss/articles/CBMib0FVX3lxTE9TNEI4d3c1eEk0YjFFQWlGQ1FJTDBkRDh2RWJ6Rkc5QkdlSVV2MC14UF9LeEhKZ1VnY2dEME0tQ1hpU0tOZ3E2eEZDVktNd1JfV0E1SGd0NXR2VmR0Znhfajg2M1VKY0lKOXM3OGs1RQ?oc=5) · CBS News
- 2023-08-17 [DFW Bank Snapshot: Take a closer look at Oakwood Bank - The Business Journals](https://news.google.com/rss/articles/CBMimwFBVV95cUxQLUhHNEFGWTRVY1FubzJYWFhKUndxNDE0SGxrdUU5T29US0VfTUhyTmk3VGRrY3lWdVhLaWRmbUo4QU90aFptZ0dwM2lIYkZHc1pPY25iOWhsX000ak1nQXd5enB0TW1rRjVHVnp4TGJIcDh2TDU1MW01SzNSdWRuYmJfNUtmbFZJMG9wQ05KdXZsM1cxblE5bXJCcw?oc=5) · The Business Journals
- 2019-11-26 [Bank Robber Led ‘Double Life’ - People Newspapers](https://news.google.com/rss/articles/CBMif0FVX3lxTE1yTTUteC15TVpTNFA3RU5ucmZPaS1xa3NPWDhfZHpwOExoOVRmXzlxMVE4UmZ3THVnWnlmck1RblVZQ1ZjR3dCRFRaMlRZOTktMFhiWkg4VW5GTFcycTFQei02Ujlud29GOUs1RXVLdmdOekl5RUE5dHVsYVRRQmM?oc=5) · People Newspapers

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10334 (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/30.json (key "10334", 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