# GLOBAL ONE BANK
HOUSTON, TX · FDIC certificate 11570 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 0 (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 | $333.2M | |
| Deposits | $274.5M | |
| Loans and leases | $247.9M | |
| Total equity | $55.2M | |
| Loans / deposits | 89.21% (p69 of band) | 82.04% |
| Liquid assets / assets | 19.95% (p32 of band) | |
| Uninsured deposits / deposits | 22.79% (p39 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 14.47% (p87 of band) | 10.81% |
| Unrealized securities loss / equity | -0.03% (p96 of band) | -8.10% |
| AOCI / equity | -0.04% (p71 of band) | |
| ROA (annualized) | 1.14% (p42 of band) | 1.28% |
| Net interest margin | 4.03% (p57 of band) | 3.91% |
| Efficiency ratio | 65.86% (p64 of band) | |
| Noncurrent loans | 0.27% (p39 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p29 of band) | |
| Reserve coverage of noncurrent | 453.11% | |
| Real estate % of loans | 92% | |
| Construction % of loans | 20.33% (p25 of band) | |
| Auto loans | $293,000 (0.12% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 19.1% | |
| Employees | 38 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | losing money, expense ratio p90, NIM <2.5%, noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 3 |  | noncurrent p90, reserve under noncurrent |
| 2011-09 | 4 | capital falling |  |
| 2011-12 | 4 |  |  |
| 2012-03 | 4 | uninsured deposits leaving | capital falling |
| 2012-06 | 4 |  |  |
| 2012-09 | 6 | deposits shrinking, assets shrinking |  |
| 2012-12 | 4 | auto book souring | uninsured deposits leaving, deposits shrinking, assets shrinking |
| 2013-03 | 4 | capital falling | auto book souring |
| 2013-06 | 4 |  |  |
| 2013-09 | 4 |  |  |
| 2013-12 | 4 | uninsured deposits leaving | capital falling |
| 2014-03 | 4 |  |  |
| 2014-06 | 6 | deposits shrinking, assets shrinking |  |
| 2014-09 | 4 | capital falling | uninsured deposits leaving, deposits shrinking, assets shrinking |
| 2014-12 | 4 |  |  |
| 2015-03 | 0 |  | losing money, expense ratio p90, NIM <2.5%, capital falling |
| 2015-06 | 2 | losing money, expense ratio p90 |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 0 |  | losing money, expense ratio p90 |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | capital falling |  |
| 2016-12 | 0 |  | capital falling |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | uninsured deposits leaving |  |
| 2017-09 | 0 |  | uninsured deposits leaving |
| 2017-12 | 0 |  |  |
| 2018-03 | 2 | losing money, expense ratio p90 |  |
| 2018-06 | 1 |  | losing money |
| 2018-09 | 1 |  |  |
| 2018-12 | 0 |  | expense ratio p90 |
| 2019-03 | 1 | capital falling |  |
| 2019-06 | 0 |  | capital falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2020-03 | 2 | charge-offs p90, uninsured deposits leaving | noncurrent p90, reserve under noncurrent |
| 2020-06 | 3 | capital falling, construction >100% equity | uninsured deposits leaving |
| 2020-09 | 2 |  | construction >100% equity |
| 2020-12 | 3 | construction >100% equity |  |
| 2021-03 | 1 |  | charge-offs p90, capital falling |
| 2021-06 | 0 |  | construction >100% equity |
| 2021-09 | 1 | construction >100% equity |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | capital falling |  |
| 2022-06 | 3 | uninsured deposits leaving |  |
| 2022-09 | 0 |  | construction >100% equity, capital falling, uninsured deposits leaving |
| 2022-12 | 0 |  |  |
| 2023-03 | 2 | losing money, expense ratio p90 |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 3 | capital falling |  |
| 2023-12 | 5 | loans exceed deposits, liquid assets <10% |  |
| 2024-03 | 1 |  | losing money, expense ratio p90, loans exceed deposits, liquid assets <10% |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 0 |  | capital falling |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 1 | capital falling |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 | expense ratio p90 | capital falling |
| 2026-06 | 0 |  | expense ratio p90 |

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

- 2026-07-16 [Houston’s fastest-growing community bank increases deposits by 513.3% - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxQOUFPaGg1alNRc0t3ZEZEcjMxdnBNRkNLc3lxc3hac1A3UnhiMEktZUJXMWxiYXY3R3ZPYU1xUzdHNU9Hbm9qVENENnFCcHEwWEJkcS1jTkpzekg4VXg3cUxqQWlFMmlwTWJSY2I5b1psWG82Ykgtc196dGx2SnByNHBkMW5MVHF5b2VhY0hrekJuaFJWQnJtdDBGc3pockxsT0J1YWlB?oc=5) · The Business Journals
- 2023-05-31 [The Story of Asiatown Is Very Houston - Houstonia Magazine](https://news.google.com/rss/articles/CBMilAFBVV95cUxQQ0UwWDk0aHBFMnZveXA0a2N0OXdURUNnVTVzTm5lZjdGT0prMzlJT1dyRDV6UlJjTHdYX1N6dXgxSW9laFE2azlMc1ZOb0d5RmViRlZlNUZobUVWcVRFZldCVV92akFlbW9ldnFNWTZXNVdJU1BMTFpLVUsxVGNPLTBEcmZKaXJqcmtMeEkwOFpFVXNL?oc=5) · Houstonia Magazine
- 2025-04-27 [Al%20Green Net Worth - Quiver Quantitative](https://news.google.com/rss/articles/CBMijgFBVV95cUxPSDNRbURuWDRsblhQYy1ld29KYVlqUnJkZDVBQlF5dWNGYUZ4MWRydFlabHJTdUdnX3dVSGgxQWxFdUNLVlZER3NKMktrM0pEa1dtNGRxalNqVm5KUHB5a2szcnppTDM0VHhLd1RLV25EMjdXQ2JiSlZ6T0doLUJpZUs3ZVYzMkRjY2J3ZnZR?oc=5) · Quiver Quantitative
- 2025-11-21 [LIST EXTRA: Loans to Texas' Main Street dominated by out-of-state lenders - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOckdadENuMFBIWXo4ajlXUnEweGxYT05wcEM0cFV3VDNUbElRUmE4azhxMTR0YjdjNmZsTjhFd19QZ011RXhiREpobHRoNzVYMC1XaFdwZ3ZqRmxUc2M4OEpfSFNRRC03V2ZMQVp4UFlFVkZ5WkFXWl90Z1hIREs2NU1acmxVaTlwQmxCbHNqemc1STNseTd6MS1CRW1Pak1OX3VIQVJNdE9jWEU?oc=5) · The Business Journals
- 2023-04-26 [Chairman Wea H. Lee of Southern News Group to Share 20-Year US Entrepreneurial Journey with GCIT - NCCU MAIL](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE5RYWtGNnVQaDhwME00Qm1XR1E5SXZOa2ZfWXNDUkVNbzJINjNDcDZVYmFOa1luUEhOQ2RXbjVsajlUZFAtOE53ekxBTEFnbnR0bEdqUFBDeWZKX3REMlc1MXlRblVSdnc?oc=5) · NCCU MAIL
- 2024-08-04 [Al Green Net Worth - Quiver Quantitative](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOc0thOENKcUd6OGxYRzJVYjYxNEVjellEWldralo5eF9LVnZoSTdMOVNtTlFLUjQ0YnJlYTQxb0Q0UWRoZE1NcnAwaGpSeWEwbDR5NDJOVnZuUzliUW9hWWFfYXlRVlJ4V0k5TjV3SnNJWWdLSWNMX1FMTXF4S3J2MDUxQWtKQ2dNVFhJ?oc=5) · Quiver Quantitative

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11570 (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 "11570", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide