# TXN BANK
HONDO, TX · FDIC certificate 15345 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. 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 | $669.2M | |
| Deposits | $613.0M | |
| Loans and leases | $335.2M | |
| Total equity | $51.2M | |
| Loans / deposits | 53.97% (p8 of band) | 82.04% |
| Liquid assets / assets | 41.10% (p84 of band) | |
| Uninsured deposits / deposits | 30.97% (p69 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.27% (p27 of band) | |
| FHLB advances / assets | 0.27% | |
| Tier 1 leverage | 9.68% (p27 of band) | 10.81% |
| Unrealized securities loss / equity | -38.70% (p8 of band) | -8.10% |
| AOCI / equity | -1.42% (p14 of band) | |
| ROA (annualized) | 0.99% (p32 of band) | 1.28% |
| Net interest margin | 3.49% (p28 of band) | 3.91% |
| Efficiency ratio | 69.04% (p71 of band) | |
| Noncurrent loans | 0.98% (p72 of band) | 0.43% |
| Net charge-offs (annualized) | 0.03% (p69 of band) | |
| Reserve coverage of noncurrent | 134.84% | |
| Real estate % of loans | 77% | |
| Construction % of loans | 43.99% (p50 of band) | |
| Auto loans | $1.3M (0.39% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 4.5% | |
| Employees | 92 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 2 | reserve under noncurrent |  |
| 2012-03 | 1 |  | capital falling |
| 2012-06 | 0 |  | reserve under noncurrent |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | capital falling |  |
| 2013-03 | 0 |  | capital falling |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | capital falling |  |
| 2014-03 | 0 |  | capital falling |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | capital falling |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 0 |  | capital falling |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | assets shrinking |  |
| 2016-06 | 2 | reserve under noncurrent |  |
| 2016-09 | 0 |  | assets shrinking, reserve under noncurrent |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | capital falling |  |
| 2017-09 | 0 |  | capital falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | capital falling |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 0 |  | capital falling |
| 2019-12 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2020-03 | 3 | capital falling, noncurrent p90 | charge-offs p90 |
| 2020-06 | 4 | construction >100% equity |  |
| 2020-09 | 3 |  | construction >100% equity |
| 2020-12 | 2 |  | capital falling |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 3 | AOCI drag >20% of equity, securities losses >30% of equity | noncurrent p90 |
| 2022-06 | 3 | construction >100% equity | reserve under noncurrent |
| 2022-09 | 3 |  |  |
| 2022-12 | 4 | capital falling |  |
| 2023-03 | 3 | assets shrinking | AOCI drag >20% of equity, capital falling |
| 2023-06 | 2 |  | assets shrinking |
| 2023-09 | 3 | AOCI drag >20% of equity |  |
| 2023-12 | 5 | capital falling, deposits shrinking, uninsured deposits leaving | AOCI drag >20% of equity |
| 2024-03 | 4 | NIM <2.5% | deposits shrinking, uninsured deposits leaving |
| 2024-06 | 4 |  |  |
| 2024-09 | 1 |  | construction >100% equity, capital falling, NIM <2.5% |
| 2024-12 | 2 | construction >100% equity |  |
| 2025-03 | 2 | assets shrinking | construction >100% equity |
| 2025-06 | 1 |  | assets shrinking |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

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

- 2022-02-17 [New Hill Country bank officially opens next week after $640M merger - MySA](https://news.google.com/rss/articles/CBMikgFBVV95cUxQUTA0ZXdLMjRkdl9RMEh2QTJZaDdkSWpQNzRFaTFFZ253SjRGVHlZWTBPQXEzbFRJdUZyU2l3WlE5WUVxdGFmTmxXeTdBNm9fTE5CZHdDZS1kQ0h5d0s5VTZNeTRRWmRSR05MdERJNXNOUE54RGJXWk83bDZ1RFJnc3lwYkViS3B2NHlKTjBFbGEtQQ?oc=5) · MySA
- 2025-02-04 [Gonzalo Longoria Garcia Obituary Feb 4, 2025 - Rushing-Estes-Knowles Mortuary](https://news.google.com/rss/articles/CBMiY0FVX3lxTE1DWHFKanlpNDRzOEk2NThTVDMtZ0JqZVBIMUVoVlF2dVFlSDRiX0M3eWdKNktGcHRRQmZGSmJUOWM4RW4tME5sT3prNkRndkFBMUFjd2FqTGxTRW1fQnNTR3RqTQ?oc=5) · Rushing-Estes-Knowles Mortuary
- 2026-02-18 [Windmill water board to discuss bank account, lawsuit - Uvalde Leader News](https://news.google.com/rss/articles/CBMimwFBVV95cUxNSm10VUVNVGhLMUhDUUVJT21aZmltX1dfd3ZUakJQSlBPdzlfbU1uSmFETGZISlc5M1JwYVpYN0VGdDdiLVBiZFE1Q2tuWWlhVEhMelpnWHRiSUlXVDUtdVJtR0RDbVBiT0tWT0hOQVVtVUk5ckNLTjFyU0NrUV9IRmRSbEk0cnQzYkhJWUlwVGJzeW01S28xTEtLcw?oc=5) · Uvalde Leader News
- 2025-04-27 [Gary Randall Hill — In Loving Memory - Grimes Funeral Chapels](https://news.google.com/rss/articles/CBMiakFVX3lxTE11TTltelhVVnA5amU4X1pGUWlfb09TbU1uT29iT1Z6ZlBRaGVLWVpjMGtYbXpYY2R6UU0zWmVCRkI4QzV4cFBmUnhhZlVROFAxUC1hM2hwVE9Bb0hCWkNjSnJRNk9uUW1VOFE?oc=5) · Grimes Funeral Chapels
- 2022-11-16 [More than $22 million in private donations raised for Uvalde school shooting victims - Austin American-Statesman](https://news.google.com/rss/articles/CBMi7AFBVV95cUxOa1d0a09TTlFzT21WZ2p6cEZDVS1DOWExR0Fsd0o2U3lVaEZGNEZQUWc1ZGlkbU0zOERPdTVFWGVaT3RZenZYaU14WWxmV2JYb3hJQUc1QlllWWlUa0xxS1lsRjhHQTV5cGJoY09haUR2djVNRHE5cjdtSDc1c2x5TGxEVlYzRmtvVzFnemdVd0xlU3JiQUhQeVVhMENaSnRWeWdlYk5rdXlNSUkzNjdVd3doNEJmZ1FLRVhQdC1YUC15aXB0Y0xkQ0dtZXI3VDVLZWZULVVjQ3ZsX2JkNTEzRlQzQUF5WE92NHBSbA?oc=5) · Austin American-Statesman
- 2022-06-09 [San Antonio-area ranch hosts Uvalde benefit concert for Robb Elementary - CultureMap San Antonio](https://news.google.com/rss/articles/CBMizAFBVV95cUxOLUF6OXJhbnRwb2M1dVBPS2owTGJPZHAtZmtkRGF0QTRoSV9YR0hHSFBtS0JEdUl5QWdFaDNCdkU5NXFWbzR5ZE42bW5rT29jOGZ1eHFCeVVOUFZkcFVUSGhKbVBzaVdCR3JnQktQRXBFeDE1bjBQc041czF1QVgwdXZNV01ySnlZTHNJYzdPaWgxUk0xNTlmVTNmd3VLSjBtQmtjQ2dDSWFoYXI2ZVFzRUxyUmx5ZlRwN3dBYURZblA2ZTBEQnBaVXdJQjI?oc=5) · CultureMap San Antonio
- 2023-09-08 [Ashbel Olin Gilliam Jr. Obituary (2023) - Hondo, TX - Guinn-Horger Funeral Home - Hondo - legacy.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxPWC1DZ1ZIZDFoMlRmYUo1SnhYdll1T3c3U21vRGhYc2tRZnZ4aExrNDd5WmR2XzVkamJFWEE5Tl9GWGVRbzFkUTFaRnh0SkRGS2tVTW5NZm1uLVdkd2Q2M25JZ0lyLVBCcjllUzBUbGxmT2tCbzVoSEFvN05BZk9RTV9yWQ?oc=5) · legacy.com
- 2026-02-22 [Windmill water board: Finances under pressure - Uvalde Leader News](https://news.google.com/rss/articles/CBMikAFBVV95cUxNQXRfbkdGQ2Jma3I4QnNqaUV2aG1seEJPcUhfazE5cDJrU1RLeWtfYlhwdGFEWnhLakhsMk1hZjQzdUxMYzJtRU9VLXo4WndGYkI0ZzgxdkVneWNhSklKMjhpazh4U3VYOXBsM202c0pJY1R1MzJKaHFWZW5ZdTR4LUhYOGhwMzJwR0hLS1JWMFg?oc=5) · Uvalde Leader News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15345 (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/49.json (key "15345", 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