# MAINLAND BANK
TEXAS CITY, TX · FDIC certificate 16308 · asset band <$300M · latest filing 2018-12 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $134.1M | |
| Deposits | $115.4M | |
| Loans and leases | $81.8M | |
| Total equity | $13.4M | |
| Loans / deposits | 69.87% (p38 of band) | 77.51% |
| Liquid assets / assets | 36.46% (p64 of band) | |
| Uninsured deposits / deposits | 42.13% (p96 of band) | 15.78% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 3.82% (p60 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.33% (p34 of band) | 11.30% |
| Unrealized securities loss / equity | -8.75% (p8 of band) | -1.85% |
| AOCI / equity | -2.36% (p21 of band) | |
| ROA (annualized) | 1.10% (p57 of band) | 0.99% |
| Net interest margin | 4.69% (p90 of band) | 3.82% |
| Efficiency ratio | 69.47% (p50 of band) | |
| Noncurrent loans | 0.10% (p26 of band) | 0.53% |
| Net charge-offs (annualized) | -0.04% (p7 of band) | |
| Reserve coverage of noncurrent | 1458.23% | |
| Real estate % of loans | 50% | |
| Construction % of loans | 93.35% (p94 of band) | |
| Auto loans | $68,000 (0.08% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 4.8% | |
| Employees | 22 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | construction >100% equity |  |
| 2011-09 | 0 |  | construction >100% equity |
| 2011-12 | 0 |  |  |
| 2012-03 | 3 | capital falling, losing money, assets shrinking |  |
| 2012-06 | 1 | charge-offs p90 | capital falling, losing money, assets shrinking |
| 2012-09 | 1 |  |  |
| 2012-12 | 2 | capital falling |  |
| 2013-03 | 2 |  |  |
| 2013-06 | 1 |  | capital falling |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 0 |  | charge-offs p90 |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | capital falling |  |
| 2016-03 | 3 | charge-offs p90, reserve under noncurrent, deposits shrinking | capital falling |
| 2016-06 | 1 |  | reserve under noncurrent, deposits shrinking |
| 2016-09 | 2 | capital falling |  |
| 2016-12 | 3 | construction >100% equity |  |
| 2017-03 | 1 |  | charge-offs p90, capital falling |
| 2017-06 | 1 |  |  |
| 2017-09 | 3 | deposits shrinking, assets shrinking |  |
| 2017-12 | 1 |  | deposits shrinking, assets shrinking |
| 2018-03 | 0 |  | construction >100% equity |
| 2018-06 | 1 | construction >100% equity |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 0 |  | construction >100% equity |

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

- 2018-10-10 [News Alert: Investar to acquire Texas-based Mainland Bank for $19.9M - Baton Rouge Business Report](https://news.google.com/rss/articles/CBMinwFBVV95cUxNRUVhUGRlZVNfZmFCeUFadmRjZkFsNnBVR0xkQUstRUw1UzAzOVZ1aG9hYy15SHJ0elNRcHM2MkNaVGdzams2TXpBc2pJamE5Y255UmFKSlh4czdyNXFESFd1UVc0U2FrNFFhNlpBVUpEZS1rbVNFQzNRRmp3QktaOEJJcGxIcXZ4bFpwMzB3TUwzTk9EMEdRWThkVWZRV2vSAacBQVVfeXFMTWNnRGhRT1VyZnZpYmI3TTZHQ2ZMb202SVJ5ZWNUVjFPRWNya0V3TVBoZ0tzTlZaYWc0N29iRGVuR3p4VWlfalppa2U1YU9VaHM4NnZrUFY4RGoweHY2MXhKTkY4ZWM1dUE5Wnh2WEtoSFR4M0dGOHhmby1laE1yWWdMRUxLUWZ0bUlvMkUwX2djVjhNQThKOG91eUhPWHA2T3I4cmFWT2M?oc=5) · Baton Rouge Business Report
- 2018-10-11 [Investar Bank to acquire Mainland Bank of Texas City for nearly $20M - Chron](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQbGI2ZTRDdXliZWVhSm5JbUZBQUFlZjRXWTZ5dWJ0UF92TmVfNFl3TnFhQUN1V1BFSE9TbFlac2Q1TWtOX2JxWXJxUUpZbEE1WkNHY0l6SUVCdnpVMlBtSVZ3eHg5dWtYcDFEXzBoXzRHTm1NQnNNX0FUUFc1VHVYeGtRWnNJVm1fVEs3S0xzNXFjcEJRSHdCVFRiMGpSTFk1NkNfR01jUE5VTDA?oc=5) · Chron
- 2019-03-02 [Baton Rouge based bank Investar acquires Houston area bank - WAFB](https://news.google.com/rss/articles/CBMilgFBVV95cUxNSlUtR2xLUU5jQ3hfVFdDeGNDc0Z5c2t2bVFCaTJ4dlBXYVBXWlYtdjlBajlkQjMySjlNV3lZd1BjR0RkRXBBeDRTYWdsLUlOLXRPbzZCZ3paRktwRTJSSHVCa2pNcC1Nc1VIeUlZR2FQQjVGcGlMdGZOM2k5ZjdpUEVMcXZNVjNpQU1GTVFhMVNUNlo3N0HSAaoBQVVfeXFMTW5PSnh2Qmo1Q0dHaExqNHNrRW50eXNBd0tDUkZpMmdSOVo1ZHRnVjlGNHdueVBXR1VQWUtDTU9NNlBWZHhpR041U0hfdm1oYV9ULU0xczcyZkxibFI3ZjdiOGU2YjJxQ0JHeDNjd0ZTS0VhaVAxX2hLUEFBNTF5WTZQbW1INzY4SmtFZkR4U0t0c0tZYzBQR3hhTTJoMmlRNHhMRi0zS0g5aVE?oc=5) · WAFB
- 2025-07-02 [Louisiana bank to enter Dallas with its second Texas deal - American Banker](https://news.google.com/rss/articles/CBMimAFBVV95cUxQY2Yta0NWSUVEek5vdERxRk5fU1M0ZEoxMno3OWQybk5rcmJQTXZ1czhibS1LMU1EaDhrYTR5ZVplQ3Q5WVBqdlRsQzFlbnhyYm1ycnhRbWtxSW81WEJteUo3TVZXMjh5WXVFRnhaTWt4UTRIajRzOGgwOFBuMTh5eDRRdEtRZUs2djYwaExqaVBObnFEOVY4NQ?oc=5) · American Banker
- 2013-02-01 [Mainland Bank welcomes move into Houston market - The Business Journals](https://news.google.com/rss/articles/CBMinwFBVV95cUxPNkdJU1BhbWJkcmxiaTY4d3loY2M2eXI2WENET1BZNTUtYVhfaEYxMDEzZXo3RFVDRTFSMjNxaHZmdnJURVFFUFUzODYwRXNRTW8zekYtNW5MeXlvcXMwS0M1Ty1nNTF5NU4xcWdPdVc2YlJPTWxXc3JycGpVSHZlUXZ4RGV0QXpzcGMwQngwQkg1RGE1ZXN5LVB1Y2ppRW8?oc=5) · The Business Journals
- 2020-03-22 [Is The Banker Based on a True Story? What to Know About the Real Bernard Garrett and Joe Morris - Decider](https://news.google.com/rss/articles/CBMilAFBVV95cUxPQjF3NGV1WGNQTE9veUF5cDNWQnhiTmZRaTdXR3BzdmhleXhUVi0zSlBFT0thNVRadVcyZno5clFGY0JzN3VSOE1RZVJQWEE5YUV3V1RqcTMwVk54WF9FZGxRTmxoYnZ1Z3FXeUl5ZG5fX1ZfMzlRQ0ptRUd5aWMtR0pPcWdIX2pxcDdocGdrM2laUnFt?oc=5) · Decider
- 2019-08-07 [Marion Wynette Byrket Tripp - Crowder Funeral Home](https://news.google.com/rss/articles/CBMif0FVX3lxTE5nWHNNZm5PeHlOVzZsWTNuU2pCemc5VktHMGhLd1RWTUlkUmV5YS1nNWJJbDI0cjNIWDlXN2NnNHc0aWxXR05Cd0NaVU4zU1ZicllVZEpaQllmYldubHl2aGRvdzB3djRaeTF2LUVjUFhFTUNjckpib0ZkQm51Q2c?oc=5) · Crowder Funeral Home
- 2020-04-27 [Using white faces, Bernard Garrett built a banking and real estate empire amid 1950s Jim Crow - Face2Face Africa](https://news.google.com/rss/articles/CBMixwFBVV95cUxQRnJGcXhNR3BMSF9fLVd1bXVPQnBxN0ViMklXMlc5WUEtaHB3UlVwMERiUkJMWlBoWU8wbWZWc0JFWnRsUDQtNk94TDhpUmR2VjdDMXhWQTlMaFVPd2FkQ2RnMmM2NTR5ajVjeVhEYUt0Z2FXajAxS2FPY2huRWRKcHhoOWhhRnFOSVFFUG1RcFlqeVozdDVXMnRjdmxWeExQVTJOTWJFRDc4cXYyOTRqUXJfbkZ2QjZLWUNudzd5Ul84THdRbmZj?oc=5) · Face2Face Africa

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16308 (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/52.json (key "16308", 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