# MAVERICK BANK
FORT DAVIS, TX · FDIC certificate 17446 · 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 | $809.1M | |
| Deposits | $710.5M | |
| Loans and leases | $454.6M | |
| Total equity | $94.0M | |
| Loans / deposits | 63.19% (p16 of band) | 82.04% |
| Liquid assets / assets | 37.44% (p79 of band) | |
| Uninsured deposits / deposits | 42.10% (p90 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.81% (p10 of band) | 10.81% |
| Unrealized securities loss / equity | 1.37% (p100 of band) | -8.10% |
| AOCI / equity | -1.41% (p14 of band) | |
| ROA (annualized) | 2.43% (p94 of band) | 1.28% |
| Net interest margin | 5.62% (p98 of band) | 3.91% |
| Efficiency ratio | 43.16% (p8 of band) | |
| Noncurrent loans | 0.01% (p11 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p47 of band) | |
| Reserve coverage of noncurrent | 13663.41% | |
| Real estate % of loans | 63% | |
| Construction % of loans | 48.43% (p55 of band) | |
| Auto loans | $2.3M (0.50% of loans; DQ 1.97%, NCO 0.00%) | |
| Loans to nondepository financials | $5.9M (6% of equity) (p95 of band) | |
| Deposits YoY | 119.2% | |
| Employees | 90 | |

## Flags firing in the latest filing

- none

## 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 | 3 | losing money, charge-offs p90, uninsured deposits leaving | reserve under noncurrent |
| 2012-09 | 4 | reserve under noncurrent |  |
| 2012-12 | 4 |  |  |
| 2013-03 | 3 | expense ratio p90 | charge-offs p90, uninsured deposits leaving |
| 2013-06 | 4 | noncurrent p90, deposits shrinking, assets shrinking | losing money, expense ratio p90 |
| 2013-09 | 4 |  |  |
| 2013-12 | 4 |  |  |
| 2014-03 | 5 | capital falling |  |
| 2014-06 | 3 | expense ratio p90 | deposits shrinking, assets shrinking, capital falling |
| 2014-09 | 4 | losing money |  |
| 2014-12 | 6 | capital falling, charge-offs p90 |  |
| 2015-03 | 5 |  | charge-offs p90 |
| 2015-06 | 2 |  | noncurrent p90, losing money, capital falling |
| 2015-09 | 1 |  | expense ratio p90 |
| 2015-12 | 0 |  | reserve under noncurrent |
| 2016-03 | 1 | reserve under noncurrent |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 0 |  | reserve under noncurrent |
| 2016-12 | 1 | reserve under noncurrent |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 0 |  | reserve under noncurrent |
| 2017-09 | 1 | capital falling |  |
| 2017-12 | 1 | reserve under noncurrent | capital falling |
| 2018-03 | 2 | charge-offs p90 |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 1 |  | reserve under noncurrent |
| 2018-12 | 2 | reserve under noncurrent |  |
| 2019-03 | 0 |  | charge-offs p90, reserve under noncurrent |
| 2019-06 | 1 | capital falling |  |
| 2019-09 | 0 |  | capital falling |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 2 | capital falling, expense ratio p90 |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 1 |  | expense ratio p90 |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 4 | AOCI drag >20% of equity, securities losses >30% of equity, charge-offs p90 |  |
| 2022-06 | 2 |  | capital falling, charge-offs p90 |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 | NIM <2.5%, reserve under noncurrent | AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-03 | 0 |  | NIM <2.5%, reserve under noncurrent |
| 2023-06 | 1 | capital falling |  |
| 2023-09 | 0 |  | capital falling |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 1 | uninsured deposits >50% |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 | capital falling | uninsured deposits >50% |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 0 |  | capital falling |
| 2026-06 | 0 |  |  |

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

- 2025-12-16 [Maverick Bank names new senior vice president - Big Bend Sentinel](https://news.google.com/rss/articles/CBMijgFBVV95cUxPQkRhRm5XS1dsTVVZVi1YVWdWbnpPbnVldzlyRXdka09KXzRhdy1RMlZ6c3FUY29wVVFRTDdWWnRrOWVUVnl3cnBhS1BNOEd0ZXlnLThuQzk3Q3A1ZFRMTmVxTkNFdHhZaUIzaC1tZ1QtalJLa0RnVVIweUJlMURrTEhmZVN4b3JLVkVmZlRn?oc=5) · Big Bend Sentinel
- 2025-06-25 [Monahans Tejas Bank to merge with Lubbock Maverick Bank in $650 million deal - Lubbock Avalanche-Journal](https://news.google.com/rss/articles/CBMizAFBVV95cUxObWRJY0o5Ry1BX19SNExEbGJPTDZ6Vng5U2piNHFhOGdmdC00UEZVQm9pV29Xd2hjX1NXOURIdFFKaERfaE5JZzgwbnFnVlZpaGptZ2J4NER3YjF1RjFISXREVWNfa0tiQllzenBBSmVVVHpLR05NY0JmZXZ1bTB2NFhqdDI2QjkxdzVFcHpQaHltNzBkWDNOWGtvRE1iOHB4MlZQM0NTd3FtQkF4ejR2SUZQMS1sSnBfeG45OVJ1SUtiYXR0OWFBVERSMFc?oc=5) · Lubbock Avalanche-Journal
- 2024-09-06 [Maverick Bank rebrands and expands with new Lubbock location set for Fall 2025 - KLBK | KAMC | EverythingLubbock.com](https://news.google.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?oc=5) · KLBK | KAMC | EverythingLubbock.com
- 2025-06-25 [Maverick Bancshares and Tejas Bank announce merger - CBS7](https://news.google.com/rss/articles/CBMijwFBVV95cUxQVTh4dDM2MVlncndtZzVNZmg4Z1ZOQUpoSmZjSDlhenowQzl5R2JmLURnZXVhQWpZaHdleVhHNWRmdnQ2bU00NDFzMEp1TlMxT1VLZGdJalg2S056aDNXWEZmSzZFaVZfSDllZjY5UTZmLWg2SF9NT2ItQ0tlc3lYU0tkck81dzhwMGZFS2xSTdIBowFBVV95cUxOek5ILWsyT01LTi1HX3JuR3VYM3VtM3NaM09rVDRuM2t5MkJtQ19VTU1FZGxKWkdXSGdZS0x5MG9qUDdXWkxsRDNhSWNrb1c1OEFlSjhsdi1XazZNU3NWamlMNlRHMFVjMjRsVUhRMFBfZXNzODdGMkdMQUFpWFp4ZHAtZV95TlVrTUJwa19nRUJPQlE0WlRLZ21URzVOdE8weGtn?oc=5) · CBS7
- 2025-06-25 [Maverick Bancshares, Inc. to Acquire Sandhills Bancshares, Inc. - Business Wire](https://news.google.com/rss/articles/CBMiugFBVV95cUxOdkNaak91dVhsbzRkT2l3aU93SzJrWGVSRXY3eEFwXzRxMHc5NWY1QUhkUmJ0YmpPZVZpRVctWkZmYTRFbTNiMmUtbjAxQXlZM0VTWGlJaUpPekExd2R0N3BEZEZ3Q29aRmlYamtPV0QxanQ0UzBKNmNVNFl4YkMwRDFFOWFRd3R4UlBUUkpJcXJKcVppMjFzRUZtRnFlSlpNcGgwZU5uMV9uS3laM2ZUV3VEZE43SVVzM0E?oc=5) · Business Wire
- 2024-08-26 [Maverick Bank breaks ground on 2nd Lubbock location - Lubbock Avalanche-Journal](https://news.google.com/rss/articles/CBMiwAFBVV95cUxNdVNHMXFYQk1MZHB6NDBUdHRoeU9KUUVBbU9XZXl4UlVRWTlaQTU3TlBYakc4UGxyNTZ2eVdTVkpSZC01bjRlVUl0bExqbXhyUVNYZFc4OUpTa3B5TnpadVdBaEpaNmsySk5GOUNJZVFfN2VJMHhnNkxJSWpDUHlFMXdBZHMyWHdkcU0wRG1zZlNodHcwbWdmM25VbHBnS1JVQTBBczBWRUlFYTY0bWxLNUFaeVZaZDNBRWlnRkE0Y2Y?oc=5) · Lubbock Avalanche-Journal
- 2022-10-28 [Follow the Money: ParkHub Acquires Parking Software Startup, UpSmith Raises $3.3M, Maverick Bancshares Seeks $17M for new Fort Worth Bank, and More - Dallas Innovates](https://news.google.com/rss/articles/CBMiuAJBVV95cUxQbV9TOVcwNWFNWGZXYUlSUkpTZXZjc3hzcG9nRld1YU9ld2dIdi1oclVhZjNqaG5GWmxZTENreE5PQS1rcC1KRk5ILWtFWGNvWEpQamU5WUNKZW02NklIRWdmTzNham9hbEtLMm1HSVc5S1JvdlNVVkRYQWc2SmJXZHowb3ZTVGFqdWIxTVVQLURxQTRBdlFuODNiMTAyOThCWEdsQVotdTN5M0NtWjNrSzZlbXZ0VGw0M2hRSGpXSFlHTHhUOVUwWl9mOWN4WUtPOWJLYlFabjFsQTM5aDZJWERjbTBtQmtwZk0xa0tTUDJvR21jRzQ4SXAwbWFTaWJiT1ltVThiM2UtMWluMVM3dngxckVQaFA1VkpmS2sycHVfaVV3UTFGZXVNT1RmWTBjcXZEOW1peEQ?oc=5) · Dallas Innovates
- 2025-09-18 [Alfredo "Freddie" Olivas Chavez Jr. Obituary Sep 14, 2025 - Harkey Funeral Home](https://news.google.com/rss/articles/CBMidkFVX3lxTE5MSkhCdVl6djZZU2FuQlJLUklUbEpGR1VkX2F6b3J6UnJhUVNaSHBkV1JkaGpUQWFPbUxJaThsRmFOczZpNW1VN1gyWEVIaGFYcDZ5dnJ2bnljWmhjdmtmNUY5aHV2NDJGeEJELVViWHBCZGdzeEE?oc=5) · Harkey Funeral Home

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17446 (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/38.json (key "17446", 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