# BROADWAY NATIONAL BANK
SAN ANTONIO, TX · FDIC certificate 15797 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (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 | $5.42B | |
| Deposits | $4.86B | |
| Loans and leases | $3.17B | |
| Total equity | $493.1M | |
| Loans / deposits | 64.58% (p11 of band) | 87.10% |
| Liquid assets / assets | 36.62% (p86 of band) | |
| Uninsured deposits / deposits | 40.29% (p74 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p6 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.93% (p59 of band) | 10.50% |
| Unrealized securities loss / equity | -29.66% (p10 of band) | -7.75% |
| AOCI / equity | -0.75% (p25 of band) | |
| ROA (annualized) | 1.74% (p80 of band) | 1.26% |
| Net interest margin | 3.41% (p32 of band) | 3.70% |
| Efficiency ratio | 57.85% (p45 of band) | |
| Noncurrent loans | 0.19% (p23 of band) | 0.51% |
| Net charge-offs (annualized) | 0.08% (p71 of band) | |
| Reserve coverage of noncurrent | 557.95% | |
| Real estate % of loans | 78% | |
| Construction % of loans | 63.61% (p66 of band) | |
| Auto loans | $46.8M (1.48% of loans; DQ 1.52%, NCO 0.00%) | |
| Loans to nondepository financials | $43.5M (9% of equity) (p86 of band) | |
| Deposits YoY | -5.6% | |
| Employees | 572 | |

## Flags firing in the latest filing

- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## 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 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 2 | capital falling |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 2 |  |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 1 |  | capital falling |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 0 |  | reserve under noncurrent |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | capital falling |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | capital falling |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 | uninsured deposits >50% | capital falling |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 0 |  | uninsured deposits >50% |
| 2019-09 | 1 | uninsured deposits >50% |  |
| 2019-12 | 0 |  | uninsured deposits >50% |
| 2020-03 | 2 | uninsured deposits >50%, capital falling |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 1 |  | capital falling |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 3 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-06 | 4 | construction >100% equity |  |
| 2022-09 | 4 |  |  |
| 2022-12 | 4 | uninsured deposits leaving | uninsured deposits >50% |
| 2023-03 | 3 |  | AOCI drag >20% of equity |
| 2023-06 | 3 |  |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 2 |  | uninsured deposits leaving |
| 2024-03 | 2 |  |  |
| 2024-06 | 3 | capital falling |  |
| 2024-09 | 2 |  | capital falling |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 | capital falling | construction >100% equity |
| 2025-12 | 0 |  | securities losses >30% of equity, capital falling |
| 2026-03 | 1 | securities losses >30% of equity |  |
| 2026-06 | 2 | deposits shrinking, assets shrinking | securities losses >30% of equity |

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

- 2025-03-24 [Texas bank's marketing campaign draws from U.S. history - American Banker](https://news.google.com/rss/articles/CBMimAFBVV95cUxOajUwNjFzYlo2Z3ZJSXNuVm1WVXBBclVsMk1aVzB5RnRCY1FjUklSRXFSMUo0bzZCRkNZQi1pS2ZpQk56aFFNLVh1VzFzLTBFUzh5ZUMwaWFVelFNbWV6cndwdzQ3dk9SLTRsZXM4TWdodGs1Nk13aEFrTnducEllVXR4QTBCSlNvNDNIdHVyaUNRRG1iMHNDNw?oc=5) · American Banker
- 2021-10-29 [Former Broadway Bank president Charlie Cheever Jr. dies at 93 - San Antonio Report](https://news.google.com/rss/articles/CBMiY0FVX3lxTFBZQjBYb0xuT0FTUW1ObTVnZlBCbjl5c2tJNERnb01uWGM1YTl4NTVuQ1ZyUzJfUklhTWg3SE42dmlQSVpIREhkaFVQX0JRNnp1alJXeDJscENrNG9Jc1hPOS1scw?oc=5) · San Antonio Report
- 2022-06-15 [Broadway Bank Announces Expansion into Dallas Market - citybiz](https://news.google.com/rss/articles/CBMilgFBVV95cUxPQ25VcWFNbTM2WE5WeVhobUt1ZjVDQTVkRWFIbDNzN0xzV3BYT2lmSXdMSE1mRUlUcjhnVnFNQjEwSmlBYUxyemdUYnVEMktINlVIOEZxUzF0bXYwRVgzb1dXYUtCYS1VQkQ0NEVOUjdHZ2RVcnRrNzFIeUFRN01ZcWhKNGtRS1U4Z3p0N29VaXM4Nm5fUEE?oc=5) · citybiz
- 2015-06-16 [Cheevers put their stamp on S.A. - San Antonio Express-News](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPNUI1VXJpdnp2anpsS013LWZmWXNEZ3NzM3NaNmxlTkhaRFUzeURGZ3hRYWFFa1BjVENaeFQwNmpjQ0FmUGZsY3dnaGVLd2g1YUlKaHdVa0JpRG43MllPandoYmhrRlJEV2tOblBwa1EzZ3VqZU1xLXlid3Rjd1NMLU4tUmN0NjlJMk8xaXJ0RzJqRDBseUJoOHptd2V0Yk83NEE5YUgwc2o?oc=5) · San Antonio Express-News
- 2025-07-15 [Broadway Bank CEO David Bohne retires, interim named - The Business Journals](https://news.google.com/rss/articles/CBMilgFBVV95cUxPNFpXVzZuZXFPb2ZDMlRpZl9MQW1XVXdoZmVaa2locFo5ZlNjSS0tZ21HbWdhTzVXSjU0UnYzc201Wi0wcEZ4cm1DemFhN2o0dVJBZ2Q0andrRUZhRVY5dkxiUHVnZkVONVNKSE1JRVY3R2twRVlMc3hBb2kyVHlmOTJWa3VEUHJSSlVBaXkycS0tUHc2Y0E?oc=5) · The Business Journals
- 2014-10-31 [Killeen man who robbed bank sentenced to 18 years - The Killeen Daily Herald](https://news.google.com/rss/articles/CBMiygFBVV95cUxOQldieERkckRNWTJmTC10WTV3eFZ0ZXB4eEhPOEJhWVQycmh3Y013dkNsWjZoQkVJU2VwN1REblBYVDd6N1FGVkEwX0RseHYxN19fWHFJZElobzBLazVNRWhhMVdHbzdEak0wVEpaNnVkRU55LXNaSlpSUlpsaDcyVjlNWFNBLUtKODc0X252WDNVSlQ4ZmRFY0oyaWJnRV9ub3FNbVowanVRcHpxNlFoT0RBZ1FaS1hOOGdMWG9reC0xVUFFNXpwaFVn?oc=5) · The Killeen Daily Herald
- 2016-03-28 [Community, Local Banks Celebrate Their History, Look to the Future - San Antonio Report](https://news.google.com/rss/articles/CBMikAFBVV95cUxObVBRVVUzOHJYdnlwU3Fweld4VXVFdzFLUWVNNVdrQ1huUldFdlRoWS1TdzdFT0JSOFBCcEducUtaNXhBYzFSeG9qMVFGMWU4Z2xBTlZLVlVoZF9HNWJsbUIyZi1fZHc5RVM5Tm9Wck5qRGRMWVFEeUM5cU5MMkN5X0lnUkswMFM3YmdnWDlSUmQ?oc=5) · San Antonio Report
- 2026-01-04 [Sandra Carlyon Obituary - San Antonio, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNLXVoeklNTGUxcGd2d29LaXpLNUl5RDlDRUlVY01sQWdWYkc1MVNxYmxubTdQaV9iTjZRQU1CNVkxOUtjaG5iSDQtS2tXSWMzUHVpMVpSLU55emtNdkdSMHpldkZtUmljWXF6aEk5MC1RM2cwYjNLYUlOUVBaUjRtb0M0dmp2STkx?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15797 (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/53.json (key "15797", 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