# TEXAS CHAMPION BANK
CORPUS CHRISTI, TX · FDIC certificate 11159 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 1 (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 | $436.6M | |
| Deposits | $329.2M | |
| Loans and leases | $346.9M | |
| Total equity | $47.7M | |
| Loans / deposits | 104.16% (p93 of band) | 82.04% |
| Liquid assets / assets | 15.46% (p18 of band) | |
| Uninsured deposits / deposits | 29.95% (p66 of band) | 25.97% |
| Brokered deposits | 0.74% | |
| Wholesale funding | 13.72% (p85 of band) | |
| FHLB advances / assets | 10.99% | |
| Tier 1 leverage | 10.48% (p45 of band) | 10.81% |
| Unrealized securities loss / equity | -0.20% (p94 of band) | -8.10% |
| AOCI / equity | -0.14% (p63 of band) | |
| ROA (annualized) | 0.90% (p27 of band) | 1.28% |
| Net interest margin | 4.48% (p81 of band) | 3.91% |
| Efficiency ratio | 75.22% (p83 of band) | |
| Noncurrent loans | 0.39% (p48 of band) | 0.43% |
| Net charge-offs (annualized) | 0.01% (p55 of band) | |
| Reserve coverage of noncurrent | 299.63% | |
| Real estate % of loans | 88% | |
| Construction % of loans | 71.91% (p73 of band) | |
| Auto loans | $279,000 (0.08% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -0.6% | |
| Employees | 85 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)

## Warning timeline

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

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

- 2025-12-25 [Texas - Newsweek Rankings](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNM0d4d05XbEdGSjR0YTRMN3p0UjQ2Mi1HUUhTUmpqZGtmcG1yOHFOUE1RQmRLQUF6M3NPZzhCcS1LMUZpWUE4ZE1ZMGViYldKOEtGZzFWek9PTURXcmkxQW9ZY3ZuSFQwNzcxYjBFaWhkclJlRk1SYUlhQmVRdlY2ZkowM0ZpVHdoXzhV?oc=5) · Newsweek Rankings
- 2024-10-29 [Praxedis Guerra Jr. Obituary - Corpus Christi Caller-Times](https://news.google.com/rss/articles/CBMiWEFVX3lxTFA5dnU0NmFqb0RBYzNmVjduT0psQmU5V2REU004N0tnLVJfRHhMSlJsRkcxUnRqM2V6WEo1S2U0Ujd6Qzk3VGR3bWRPTEVxRHI5QnNsT3AtbXc?oc=5) · Corpus Christi Caller-Times
- 2022-01-19 [Atascosa Co. Livestock Show steers to success - pleasantonexpress.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxPUWp1TW41SlctUXo0NTdsVk1KYlpwTG5ra3dZVGkzS3Z0dkdTZ3dsUVFPY1c0RTlBc2R4VlJUcElSZi1WZE1DSGhheWdQY29LMDVHUGV0QlJhZzNGdU5VQm9BRFI5MFpiTC1oM1ZDMFZleWtXYzNQSE1fSG8yR0F5T0JLY1F3ZXJFd3U0b0V4R0dndw?oc=5) · pleasantonexpress.com
- 2017-01-10 [Shaylene Nicole Monson - eckolsfuneralhome1886.com](https://news.google.com/rss/articles/CBMic0FVX3lxTFBrUnNoczN2V3lsbkdyc09KUFpMTlJubDJvS0g1b2t5azQtaFg3THpTYVcxaUhHaVB1Nmc1bldiWjZldXBGNXRGUzE5TVFlR1AwN3REc3p0N0xXaThfc3hzbjFPcl9YYXFmeDZIV0NOY1pfTms?oc=5) · eckolsfuneralhome1886.com
- 2018-02-03 [Developers investing in old Kenedy H-E-B betting on oilfield comeback - SouthTexasNews.com](https://news.google.com/rss/articles/CBMigwJBVV95cUxOTDZhcjVCTDZwMUFUdU1YVUp3Vk9jRHc0Zlk4V0VZdDN6VnprQlY2OGJ0NlV0eFQ3Qmo3N1hvRXJxMUxmRmpOLTFwU1JBRWFyQ0pxSzl1RzZMUFU1V3VfTW9xam9zTVB6c0dLblk0dmVjQXdndlVoRXdVakZEMm9ZTVVEVXlJVHZUT0lpRXh0TUhScFN6cTNZVWtMVDFGV3ZfSmRmWHUyTUJQNllPVUhWUUJ4d0E2ak5aU1lHUDdScHFUUWNWT0VkNnpoMk12eUtCZEFxanFGaDYybHllSF9yTmtXblVGUlBiQUtnUjNiM2VxdzQ0ZmpQd21JY1FpOGtIUXc0?oc=5) · SouthTexasNews.com
- 2024-01-15 [Louis Salinas Obituary (2024) - Karnes City, TX - Rhodes Funeral Home - Karnes City - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxQaXlxdkhJQklBamxtRFZqRmdyVVp0QkhTOV9Jd3ZpUUNrOFh4ODhvSVM5Yzd6d1NkQk9CU05wWkhwZzNlX2ZJYXlyQUsyTkk3VS1XTGZDYzVVdll6dGhSTDMxS0xmZldPQ0syek5xUVh6dlZ0V3ZGc25aUmhTRHF6R1ZB?oc=5) · legacy.com
- 2022-02-23 [Charlotte council honors late mayor - pleasantonexpress.com](https://news.google.com/rss/articles/CBMihgFBVV95cUxNdXFWQzRIaWlUbm1XYldQdXBvY0V6ZzIwampJWkZVTGdCaHQ4RDRJUllqQ3prTWpGeG01SDVyVHJ3SVpWSkVVeThGaGd1ZFpBNUxZVWFvWEJYcFdUMXpNS0VIM0UwWFpMRHpnNExiQ0J2dDBPYmdjZTB2QWRxcVo2aUZhODhIUQ?oc=5) · pleasantonexpress.com
- 2017-01-20 [Tragic accident in Oklahoma claims lives of two local sisters - SouthTexasNews.com](https://news.google.com/rss/articles/CBMi-AFBVV95cUxQLTJLVWlSdWt6X3pFOC1qWmlJdVRVSllwcVc5RkVmb2xfcUgzMUxhV0JHeFJzM3czbDd4TlNUek9USW13RVlFbFJ0emhRdVI5TXhOTVFLbDloSmgwajh4MFpnZkwyTVNXeWRCcDgySGFjRWhQWkJaRmxrRE9ydjZFWlBMckZWSTI4THBHcXplQWlQSktON05FUG1rbGhYNGVjVUdBS1MtQzk3ZjdHZEVzWll1aFQ1ZlNIX1NjWW9HZHVLbFh5Q3BlaXBwRUtNazd0QmVSUUFFLTJ4cEpGYnUxS0lZdmVfUVMzVE5FU1U4NVJOSk1sUmhiaw?oc=5) · SouthTexasNews.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11159 (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/23.json (key "11159", 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