# TEXAS STAR BANK SSB
LOTT, TX · FDIC certificate 16218 · asset band <$300M · latest filing 2014-12 · stopped filing (departed)

**Verdict on the desk:** this could be *lender to lenders*. Composite score 6 (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 | $118.3M | |
| Deposits | $67.7M | |
| Loans and leases | $100.8M | |
| Total equity | $10.0M | |
| Loans / deposits | 148.30% (p100 of band) | 71.50% |
| Liquid assets / assets | 10.54% (p4 of band) | |
| Uninsured deposits / deposits | 8.34% (p26 of band) | 13.21% |
| Brokered deposits | 10.52% | |
| Wholesale funding | 44.79% (p100 of band) | |
| FHLB advances / assets | 34.27% | |
| Tier 1 leverage | 9.27% (p29 of band) | 10.45% |
| Unrealized securities loss / equity | 0.00% (p33 of band) | 0.49% |
| AOCI / equity | 0.00% (p18 of band) | |
| ROA (annualized) | 1.16% (p72 of band) | 0.81% |
| Net interest margin | 5.29% (p98 of band) | 3.66% |
| Efficiency ratio | 63.83% (p25 of band) | |
| Noncurrent loans | 0.49% (p39 of band) | 0.76% |
| Net charge-offs (annualized) | 0.02% (p40 of band) | |
| Reserve coverage of noncurrent | 69.37% | |
| Real estate % of loans | 45% | |
| Construction % of loans | 102.97% (p96 of band) | |
| Auto loans | $576,000 (0.57% of loans; DQ 1.39%, NCO 0.00%) | |
| Loans to nondepository financials | $51.1M (512% of equity) (p100 of band) | |
| Deposits YoY | 21.7% | |
| Employees | 29 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)
- **loans-to-lenders >50% equity** (`conc_warehouse`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | wholesale funding >15% |  |
| 2011-06 | 3 | loans exceed deposits, brokered >10% |  |
| 2011-09 | 2 |  | loans exceed deposits |
| 2011-12 | 5 | loans exceed deposits, liquid assets <10%, capital falling |  |
| 2012-03 | 5 |  |  |
| 2012-06 | 4 |  | capital falling |
| 2012-09 | 5 | reserve under noncurrent |  |
| 2012-12 | 6 | capital falling, deposits shrinking | brokered >10% |
| 2013-03 | 5 |  | capital falling |
| 2013-06 | 5 |  |  |
| 2013-09 | 5 | assets shrinking | liquid assets <10% |
| 2013-12 | 5 | liquid assets <10%, loans-to-lenders >50% equity | reserve under noncurrent, deposits shrinking |
| 2014-03 | 5 | uninsured deposits leaving | assets shrinking |
| 2014-06 | 8 | brokered >10%, capital falling, reserve under noncurrent |  |
| 2014-09 | 8 |  |  |
| 2014-12 | 6 | construction >100% equity | liquid assets <10%, uninsured deposits leaving, capital falling |

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

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16218 (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/26.json (key "16218", 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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