# PILGRIM BANK
PITTSBURG, TX · FDIC certificate 16891 · asset band $300M-1B · latest filing 2026-06 · live

**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 | $714.6M | |
| Deposits | $578.4M | |
| Loans and leases | $465.5M | |
| Total equity | $66.4M | |
| Loans / deposits | 79.67% (p45 of band) | 82.04% |
| Liquid assets / assets | 28.66% (p60 of band) | |
| Uninsured deposits / deposits | 26.20% (p51 of band) | 25.97% |
| Brokered deposits | 3.87% | |
| Wholesale funding | 13.16% (p84 of band) | |
| FHLB advances / assets | 9.27% | |
| Tier 1 leverage | 10.21% (p39 of band) | 10.81% |
| Unrealized securities loss / equity | -9.07% (p47 of band) | -8.10% |
| AOCI / equity | -2.58% (p5 of band) | |
| ROA (annualized) | 0.58% (p13 of band) | 1.28% |
| Net interest margin | 2.92% (p8 of band) | 3.91% |
| Efficiency ratio | 74.44% (p82 of band) | |
| Noncurrent loans | 0.15% (p29 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p43 of band) | |
| Reserve coverage of noncurrent | 663.11% | |
| Real estate % of loans | 92% | |
| Construction % of loans | 33.77% (p41 of band) | |
| Auto loans | $1.4M (0.29% of loans; DQ 0.29%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -3.5% | |
| Employees | 98 | |

## Flags firing in the latest filing

- none

## Warning timeline

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

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

- 2026-01-09 [Bank officer promoted in Wichita Falls - Times Record News](https://news.google.com/rss/articles/CBMirwFBVV95cUxPRXM1aUZSUE5LVGlySFBTNXZ1MDN3VGh5c3c1S3ZISDlDSXBxMTBSV0dEQ2xIbjFmNXpPY2w1S25idVlQR0txUi1EYkZ2eS05Rm4zUGRpRXlGRUJjSzVKeTBLSHF4QXZpdlh1bVFFTm1STFVxX0MyM3lnVzlMMThYZVJkSTFLZS1HZjV4UTQxbW5IbGlYZ1lOWjdwZnZHSzBaWXBBSFNPd3ZMcjVtVFE4?oc=5) · Times Record News
- 2026-04-01 [Business Digest: Tyler-area leaders and organizations recognized for excellence - Tyler Morning Telegraph](https://news.google.com/rss/articles/CBMirAFBVV95cUxPcG80YXB3aWhBdk1uUnlvRjlvZV91enppS1lzMGtqYXBmRlplOG00WjEyMXUtclhnNnl3WVN0VjZDb0tCanNnb3Z2Vl9VbFFBRk0zMmgyajhuQWFNZHF3QU9BN2hwOUtHUUh0Ul9DNFlsUFE4Y0llS2ZUdDduSng5bXhnZUhJZU92VEFocW5IMFhQNERpQVhmUXhTSm5aQ1kzcU56TFZrTVRjRU5P?oc=5) · Tyler Morning Telegraph
- 2015-01-17 [Briefcase - pal-item.com](https://news.google.com/rss/articles/CBMidkFVX3lxTE9pUkl0ME9fVFlrdFA2R3J2LTY3cV9PWEVUbXRkeUE4TDVCVXJPV3IzY1I3Qi13TFhKLXYyNlhob3FfMnlpSW5qLTNMQXBzRDUxT0tVN09DNF9ZMlg5V0RZUGxFZzZXcEhBdnBZODJCa0pXV1dEWGc?oc=5) · pal-item.com
- 2019-06-29 [Kari Shaw elected vice president, senior relationship manager of Pilgrims Bank - Times Record News](https://news.google.com/rss/articles/CBMizwFBVV95cUxOSHlYeFlsbUoxdjZOaXpQYXZvU1owOEdFNlNUSWwzakowN3g5VG9FTmVTbkhqNkNicmRBNGpMc21BWkdLSEgtbW0wMzdKbU95QnRmMFdNODhxR3p6WmY5c0JPeGRfeHVlMUROTVhtMmNSM1hyakZ1VlIzcWtfTkVZY0FQY3dLU1RJeENCTjN3NHhJOW15SnJMSHpaaTBnemEwY3RKYTVQVC1WR3ZMbmUwVlRTN1JvSzAzS3FBemdreWhZU3RjS0EzY3VEWFRUYVE?oc=5) · Times Record News
- 2019-12-20 [Funeral held for Iowa Park boy killed by train - News Channel 6 | Wichita Falls, TX](https://news.google.com/rss/articles/CBMijwFBVV95cUxQeVFZd3ZRMjBHNHFobWpMZU9VNXBIZWV0dURmODRKdktGTGlwOXBJTVN4Tnp1LWY0cWVqY3VwT21NVDNsVU5FOXc3aWM1emRKWEcxRGRuazR1RTA0cGR1TklIb3VSN3NvWVpOT0NYU1pRTEVvRGtDQlFaMmN1akFidWU4UFE1Vlcyd04wdUdVMA?oc=5) · News Channel 6 | Wichita Falls, TX
- 2025-04-17 [TexasBank eyes Decatur expansion, Barbanera back on the menu - Wise County Messenger](https://news.google.com/rss/articles/CBMipgFBVV95cUxPQ3doRElad1BoSkl6N2hybFE5VTRjWHl2clpzdTZtQjZ5U1l3eWIzcjBFV3Y3QTBSbWs2dEM2MkVPRU5rUDk0c1NocEpRTWlXUkc1eHE4OWY4Y1U2T3ZNMTRTNXFBMC1WTExaM01QNEw5d1ViOXBXQTA0cUpSZW01OWtCMjF6QUdZOTA5QktoRzQ2MTU4N3dhbE15aUxmNGtURnlCcGFB?oc=5) · Wise County Messenger
- 2020-11-22 [Billye Shook Obituary - Iowa Park, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMiggFBVV95cUxPSFBJRmhmLTlUbTFweVNKU0tiWDZhUEtFWlpDVHRlVzBfdVhZS3ZIZWJxVW81ZFhzSnFqd3VJLXo5a181dC16TXM4b0FxSjYzeVBTcmhTdEN5MDlVVWhGdmZ2MzFBTUJWLUd0WUhsRktGaXlILTZtcV9CMjZTT0w2bk93?oc=5) · Dignity Memorial
- 2019-03-13 [Iconic ‘Bo’ Pilgrim landmark heads to storage for now in East Texas - Tyler Morning Telegraph](https://news.google.com/rss/articles/CBMiogFBVV95cUxPMFV6SDE1NnR6ZjJfQ1Itd01HYUZtcnoyVGlOdjV6ZkxxZF9famI1WEZfdTVOZ1g1X3c5bWtjNm81VW5fTmdyMmF6RUVlbTJ4VUlmVkZwUk0ydG51TDhiMFJITmN1aUQtV3hqMHRnbzg4S0ZrM0R3VW1pMXpNTVo5UlBJSmNWdkxjdmhNQjh0N1hncWtxLWk1TjlDY3lJejFoZUE?oc=5) · Tyler Morning Telegraph

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16891 (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/59.json (key "16891", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide