# TEXAS HERITAGE BANK
BOERNE, TX · FDIC certificate 11903 · asset band <$300M · latest filing 2025-09 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $227.1M | |
| Deposits | $196.3M | |
| Loans and leases | $166.0M | |
| Total equity | $28.0M | |
| Loans / deposits | 83.66% (p70 of band) | 72.79% |
| Liquid assets / assets | 22.53% (p26 of band) | |
| Uninsured deposits / deposits | 19.56% (p51 of band) | 19.24% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p22 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.94% (p25 of band) | 11.81% |
| Unrealized securities loss / equity | 0.00% (p91 of band) | -7.16% |
| AOCI / equity | 0.00% (p9 of band) | |
| ROA (annualized) | 0.27% (p14 of band) | 1.07% |
| Net interest margin | 4.93% (p89 of band) | 3.81% |
| Efficiency ratio | 70.31% (p59 of band) | |
| Noncurrent loans | 0.07% (p33 of band) | 0.35% |
| Net charge-offs (annualized) | 0.02% (p65 of band) | |
| Reserve coverage of noncurrent | 1579.49% | |
| Real estate % of loans | 91% | |
| Construction % of loans | 29.15% (p64 of band) | |
| Auto loans | $1.3M (0.80% of loans; DQ 1.06%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 6.2% | |
| Employees | 37 | |

## Flags firing in the latest filing

- none

## Warning timeline

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

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

- 2025-07-30 [Spotlight On: Steven Mack, CEO, Texas Heritage Bank - Capital Analytics Associates](https://news.google.com/rss/articles/CBMilAFBVV95cUxPTE5WQnhpTldYWWNrQjFKV1lNLVE2bHlEMVlrRmRKNnZRY1VYajgyZm1ROTBOU1gtMFZJaFNoUENoUWZNT05tVGdncV9HMXlaNHc1bmpGbGJfVmJCd2xkSnRwN1NzcjREcUwtOUpYdVMwY2ZoNVA1VkxJUTduOHJuTE9hSG1BOV9lVEZWTTI1Rm5rbllF?oc=5) · Capital Analytics Associates
- 2024-09-19 [Holt Lunsford's Liberty Capital Bank to merge with another Texas bank - The Business Journals](https://news.google.com/rss/articles/CBMinwFBVV95cUxNU3FlUkh6Q1NuSWJsREVVWXhBWnFvaWVyTmZnYUp5SERYeUp0MzFHLTQ5Q1VXa1A5V2lib2FqSkVuVnZkbUVHUUdaTUtDdjhfemprV1FCWFhoX3dJVVZhWXlyOHBubjZuZkhRekJ6a3RELVMwQklyT3BXYkJzX2djeWc4THFaODNINnA3T1JORnRvVURBajhvSjktdjA5UEk?oc=5) · The Business Journals
- 2023-09-03 [Self-taught artist named Boerne Art League ‘Artist of the Month’ - Boerne Star](https://news.google.com/rss/articles/CBMipAFBVV95cUxPRjR4NngyT3pEUGZWS19SYWJCYV9LMVo0bXZWWFoxdnpPNUItajQzcXdoSGszREM0blRwbFlrQ242bnppdXJsQ2NJQzl0NXlrbEl1SVQzYXZIX3hEVWRrV2tWZ05iQWhINnM4dHgxN0ZoZnYydS1wZk5JY3EyWGk2Z3NXcGFqNVhzcmVKd3U0RG9FT081TnJJODZkTDBtWkFFQ1UzSQ?oc=5) · Boerne Star
- 2019-04-12 [Mabel Clark Obituary - Austin, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMifEFVX3lxTE8tTmJmNm9TV1BkQTR6a2dJemZ4WFVxWmZNaGFYdzVXaXgtTlpxTThvRWpSSjlfNzNCWWI5c2JJTm1hb05EdmExc2NNcEpwN1UwdUZUdUo1Z3h2QndsbnpfSkI0em5aWVRTRWVCTmJDOGtkM0txQjY4UC1VRHY?oc=5) · Dignity Memorial
- 2024-07-22 [Stephen David Fulks Obituary (2024) - Daingerfield, TX - Horn Family Funeral Home & Cremations - Legacy obituary](https://news.google.com/rss/articles/CBMiggFBVV95cUxOenViU1J6cC05QmhUSndhalgxbjI4RGhCSmI3T1NFV1VUbnRza292eTB1LUVhOElCTHVpRWxiM2NYaEt4b2ttWEx4dXp4UDdxcmQtb2ZVd3FnUFBfZzNZektmMmZsUHB0b0hCcTlOMTFBVEJOYXJCazNKMXBPWkh4RWhR?oc=5) · Legacy obituary
- 2024-11-02 [COSAS closing its doors after 23 years - Boerne Star](https://news.google.com/rss/articles/CBMihAFBVV95cUxQTGNoaDZ6ZTNnWV9FSGN1RXJsTGtTd2V2cTJOUWpXSWk1bWpDVG9LdDV2Sm1nVXpfd0VuLXNfQWozUUUzOWRNcGhHd3JXNGZLNnRWTW85LUhoMnpsWnJ2RXNzbGhyTDlaVWpuREhzRlMwMEhlNFZOck4tWDhEV0ZHS2VxVHE?oc=5) · Boerne Star
- 2022-01-07 [Patricia Stephens Obituary (2015) - Abilene, TX - Abilene Reporter-News - Legacy obituary](https://news.google.com/rss/articles/CBMimAFBVV95cUxPYWVLOGcwQjM3RV9WLWFOQUtqeGNFTlpsc2tFUFpvWEdIMnlQSUxuUGhZZmllbW1MdG15RHJvU0xsdzV5WDdkdFB6QmxiSDFJWTdFSjJiOEtVbVppTjkyazdGVnJoMHNyU3dEc01KLWFiejJibTlYUGhrTlgtRmJZeDMyelZ1c3ZrR29YY2xoalIybFdiMVNZTA?oc=5) · Legacy obituary
- 2015-05-28 [Edward Biggs Obituary (2015) - San Antonio, TX - GoSanAngelo - Legacy obituary](https://news.google.com/rss/articles/CBMijwFBVV95cUxPWG5BTVRRNVJzQ1lGVjEyZDNVM2VyUVh0alpmbkFBRk1HaTdLdGhpaXR3d3o3Rk1MdUNHZXVlY2plZGl6YURsZ0tzMlZOenlYckZhMlBWYllTdWsyc1lWM1ZmRXlVZjRHSERUQ0dBcmpFcVUtM3JNZGxrVzRObUp1WEZCVFAwQUJVMlpmdDRiZw?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11903 (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/63.json (key "11903", 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