# MERIDIAN BANK TEXAS
FORT WORTH, TX · FDIC certificate 11895 · asset band $300M-1B · latest filing 2015-03 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $442.0M | |
| Deposits | $384.0M | |
| Loans and leases | $323.4M | |
| Total equity | $57.0M | |
| Loans / deposits | 83.61% (p58 of band) | 79.82% |
| Liquid assets / assets | 23.86% (p42 of band) | |
| Uninsured deposits / deposits | 36.47% (p89 of band) | 19.17% |
| Brokered deposits | 0.49% | |
| Wholesale funding | 0.49% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.40% (p72 of band) | 10.09% |
| Unrealized securities loss / equity | 1.13% (p39 of band) | 1.83% |
| AOCI / equity | 0.85% (p72 of band) | |
| ROA (annualized) | 1.12% (p69 of band) | 0.88% |
| Net interest margin | 4.17% (p85 of band) | 3.54% |
| Efficiency ratio | 72.56% (p59 of band) | |
| Noncurrent loans | 1.56% (p74 of band) | 0.85% |
| Net charge-offs (annualized) | -0.04% (p11 of band) | |
| Reserve coverage of noncurrent | 46.58% | |
| Real estate % of loans | 77% | |
| Construction % of loans | 73.89% (p82 of band) | |
| Auto loans | $2.3M (0.72% of loans; DQ 6.51%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 75.5% | |
| Employees | 59 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | charge-offs p90 |  |
| 2012-06 | 1 |  | charge-offs p90 |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 2 | deposits shrinking |  |
| 2013-12 | 2 | construction >100% equity | deposits shrinking |
| 2014-03 | 1 |  | construction >100% equity |
| 2014-06 | 1 |  |  |
| 2014-09 | 2 | capital falling |  |
| 2014-12 | 0 |  | reserve under noncurrent, capital falling |
| 2015-03 | 1 | reserve under noncurrent |  |

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

- 2014-06-22 [Bank Notes: Meridian Bank completes acquisition of State Bank - The Business Press](https://news.google.com/rss/articles/CBMioAFBVV95cUxPNzdmMk9aTzhXT211ZVIxNmVrN1g1ZDJ0SmNEbVFPYTdndmhjZGV1by1DdzRPclFYTnk0REl1YmRqaFJPX2J1aVNCLTBwb3ZLanJlMzNMaUJhcXJ3WlUxY3c4ZUdPRU1yXzZ5ZnN4Vm1PWHRNN2hkem5sakVaMV8yaHVnTG5ValY3dHVMRDY4a2J2N2Y1ZzlRbFVNcGNkaTdU?oc=5) · The Business Press
- 2015-06-12 [UMB completes merger with Meridian Bank Texas, Marquette brand - The Business Press](https://news.google.com/rss/articles/CBMiogFBVV95cUxPQ09Ici1aRTlwd2cyTXFiVlkxV1RBTndPdkF3SnNQV1ZsOEtySHB1VEZ2WkJsODYwMlRrVkhYbHRCLUJxZld2VlpyU0NtdFBRbTV3amJGMnpxUlR1TFJNVnNCdlRzNGRMN05YRkhhU3dRalktaVBDdkJwTmVna2pGdU9YdGkwMi1YZE15OVpqYkx1OXNlQkJmRWdDNVEyTDYzZ2c?oc=5) · The Business Press
- 2016-02-18 [Purple Power - Fort Worth Magazine](https://news.google.com/rss/articles/CBMiS0FVX3lxTE1hYzFoQUxFZWZpbVZpOEFxT1VQRUN4M21DbzNreWlmTVpEdG9TYUhCZ2hkVkVBa0JCYnN3aHFFeDZhNzdrZjJCN3B4RQ?oc=5) · Fort Worth Magazine
- 2017-08-09 [UMB Bank signs long-term lease at 777 Main St. - The Business Press](https://news.google.com/rss/articles/CBMijAFBVV95cUxPOVVsYkhTVFYtNENfU0Nfc2lEWWltM1NrZHEtYW12RlJiTUVwMnJDSzlhNi1QakRIdlVlU2x0UG9QNThaVXNDcGJiNjJnR25UV3lsc1FTMnh5bklUalZVVVB0WDFfVm80OTZQbjhIVEY4VUxWaXVMUUxkMFI1czBlNC1vT0lCWmNBbTlsTg?oc=5) · The Business Press
- 2018-02-09 [In for the long haul: UMB’s move to 777 Main is a commitment to the city - The Business Press](https://news.google.com/rss/articles/CBMirgFBVV95cUxPOEUwRU9nU19FVTEwSlhxZHhGOEFCZS1lOTM3WGg1aDg0dDF5UGI2STh2QzNsNll6VWlKRWZpN3RNWUZyQVVkMXpSR1FSMkk4dEdOR2xSWVJCRWZsd04wYlRMdW9maXV1dnNrU1Nfekg2REtReGJQdmd0Y0xELUhCTDJhVnFmNzBncUJFS0NjUDdlcjl2MXVXUUkxN3VVa3JtSTRVMEtaMGdCcXNrQlE?oc=5) · The Business Press

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11895 (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/55.json (key "11895", 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