# CENTRAL BANK
HOUSTON, TX · FDIC certificate 17612 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. 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 | $1.42B | |
| Deposits | $1.27B | |
| Loans and leases | $1.10B | |
| Total equity | $128.3M | |
| Loans / deposits | 85.61% (p47 of band) | 87.10% |
| Liquid assets / assets | 19.60% (p44 of band) | |
| Uninsured deposits / deposits | 41.57% (p77 of band) | 30.76% |
| Brokered deposits | 5.68% | |
| Wholesale funding | 5.68% (p48 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.07% (p39 of band) | 10.50% |
| Unrealized securities loss / equity | -6.45% (p56 of band) | -7.75% |
| AOCI / equity | -1.45% (p9 of band) | |
| ROA (annualized) | 1.87% (p84 of band) | 1.26% |
| Net interest margin | 4.64% (p90 of band) | 3.70% |
| Efficiency ratio | 62.18% (p61 of band) | |
| Noncurrent loans | 0.54% (p52 of band) | 0.51% |
| Net charge-offs (annualized) | -0.01% (p7 of band) | |
| Reserve coverage of noncurrent | 175.31% | |
| Real estate % of loans | 69% | |
| Construction % of loans | 102.04% (p88 of band) | |
| Auto loans | $1,000 (0.00% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $48.7M (38% of equity) (p96 of band) | |
| Deposits YoY | 13.0% | |
| Employees | 162 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | construction >100% equity |  |
| 2011-06 | 2 | reserve under noncurrent |  |
| 2011-09 | 3 | capital falling |  |
| 2011-12 | 1 |  | reserve under noncurrent, capital falling |
| 2012-03 | 1 |  |  |
| 2012-06 | 2 | reserve under noncurrent |  |
| 2012-09 | 1 |  | reserve under noncurrent |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | assets shrinking |  |
| 2013-06 | 2 | capital falling | assets shrinking |
| 2013-09 | 2 |  |  |
| 2013-12 | 1 |  | capital falling |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 2 | capital falling |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 1 |  | capital falling |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 2 | capital falling |  |
| 2017-09 | 1 |  | capital falling |
| 2017-12 | 0 |  | construction >100% equity |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 2 | capital falling, charge-offs p90 |  |
| 2019-03 | 1 |  | charge-offs p90 |
| 2019-06 | 0 |  | capital falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 2 | capital falling, loans-to-lenders >50% equity |  |
| 2022-06 | 2 | AOCI drag >20% of equity | capital falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 0 |  | loans-to-lenders >50% equity |
| 2023-09 | 1 | loans-to-lenders >50% equity |  |
| 2023-12 | 0 |  | loans-to-lenders >50% equity |
| 2024-03 | 1 | loans-to-lenders >50% equity |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 0 |  | loans-to-lenders >50% equity |
| 2024-12 | 3 | capital falling, construction >100% equity, loans-to-lenders >50% equity |  |
| 2025-03 | 2 |  | construction >100% equity |
| 2025-06 | 0 |  | capital falling, loans-to-lenders >50% equity |
| 2025-09 | 1 | construction >100% equity |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 0 |  | construction >100% equity |
| 2026-06 | 2 | capital falling, construction >100% equity |  |

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

- 2026-09-03 [Malaysia Central Bank Holds Rates as Growth Stays Firm - wsj.com](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNdjExc3FmNEVoc2hoQlVteFV0UmVkS280NFlITTdvamlnWkdSNW1vZWtJVkFrYURLOGhpV3ItemlQUkpRalphZV9mbGZ6ZktWRzFXcFduVVpDckkzZEhmd2pVc0owd2ZzNWZKNW5RU2JlN2RBNXlkNV9LTjVqaHlEQ1A5UXpFbGhNR280Q2poZ24zeXhGYXJlWGtuYjdOOWwzdFpJbEJzTFFoWUU?oc=5) · wsj.com
- 2026-09-03 [Fed's Waller says central bank's next rate move depends on upcoming inflation report - ABC News - Breaking News, Latest News and Videos](https://news.google.com/rss/articles/CBMimwFBVV95cUxNX2RscFVwaVc4aWJVT0lkMHQ0RlpRX1AwN1FpNjEzZFdjVUt1U2E1ak5iX0RBeU9DSklPdFN1dzZFbTRRSmR3OV9vZXJoNzRZRkgxcHhYOElVZ2NOWmhpWEFvSm4xMFBnRnpDMzFaZHkyMjd3RTAySklGNDhnenN6M3RVRm1JdWw5bExQd0RFR0E3OXo2Mjg0bGJVa9IBoAFBVV95cUxNV3VyTnpDZGVUZWt0eTBhZ29pQVZ3TkRZOUR5STZxOEpLU0JOYmpiS3hjY1JCeUEwcXUtekVPU0VaVmJEazdVVWQ3SXBqQmhfUmlBUWtZRlJpN2tkR29EeF9TR1RQeTFaY2RUdDQ1cmVDMnZvYkR2bWhqTDJPb1BHam80cDRIb3BqMDNyb2R6MGIyYm1KM1V1dlpnNGxmYWpJ?oc=5) · ABC News - Breaking News, Latest News and Videos
- 2026-09-02 [The Best Regional Banks in Houston, According to Locals - Chron](https://news.google.com/rss/articles/CBMia0FVX3lxTFBHa0ZqS3lwYXhvOFZjVW1IUDVNck1VR2pQYTgwTGNZWFl4TElSWnpDMTBGekZMSkRGS1hlcEs2WFdja0xHTlpFaGM0emI2UXFNdlNyRjU0dF9uV0h2bDVoa1JscFZPd1ZMNHZV?oc=5) · Chron
- 2026-09-02 [Dutch central bank shifts billions in gold to London in 'crisis preparedness' move - Audacy](https://news.google.com/rss/articles/CBMiogFBVV95cUxPbkdxTUlKdUNMaE5yUldZcnN1LUhVRkVOMDMycGhMVjRDelBZSWludFNoc2NGR2xYSFNtNXppSk9HQUVydlVNLUVwUXVSNEV1VWJlZGtETGFhQ3dxNnRkSEJwRnpjOFBqcW5KdDUzbkZGSVdSdEU3OVhIUkVQdlhpTDdHYlRoNGRpWk9BZDlBOVU0WUt1WENDNGlRcHQtM0JuMkE?oc=5) · Audacy
- 2025-12-15 [Central bank independence in practice - Peterson Institute for International Economics](https://news.google.com/rss/articles/CBMikgFBVV95cUxNZ3dTWC1xTHBPNndVek4xVzFhUFhhcV94b1ctdERuc1JYbmx3TUhqOVdWZmIxV1FnbEpCeTR6ZVNhRzBTU2FQM1FFeGFoZzk1cGdhcGIxSEZZNEZGWUJkU1UyQWp0NE9laTBtTWthaUp0N2pTZUs3aURUbmJ5a0RyeHZ3Z0JQT3A3bW1iMldoaUhLQQ?oc=5) · Peterson Institute for International Economics
- 2026-05-02 [Annual Report 2025 - European Central Bank](https://news.google.com/rss/articles/CBMirgFBVV95cUxOS2c2bW9CM2dFSy1NVFVQNzRELXRwaExNemdWSWlXbnJFNzlXWmpiTG9obHRaRlcweHYtYWtyQnFWel9TUnVUS3UzRDBhemJRR0xDWXZ0NGY4S3ZsT1Q2SEF4WTRyQ0JYdzhEbE85YS1zNVQzd0E4R1NWZXdPNG5kY3U4TkR2enVpNHRYODViOENqQnhldVhoRzc0eVVFcS11TTRqREtVSTFGR1ljbGc?oc=5) · European Central Bank
- 2026-07-21 [US Treasury’s blueprint for rebuilding Iraq’s banking sector | Sam Butler - The Arab Weekly](https://news.google.com/rss/articles/CBMihwFBVV95cUxOWFRCY0s0SER0RVhycW5wTlhWWDhYWm81WDB4MkpYWG14X00zcmZuYU5hSWVBUFI2Zmozc3RPR2hwVHljaUhJNDB6M1VYNmI0WGtZVjNFbzhjMUI3NUxhdlRkMUk5X245Z0F5a2ZSaUdrRlFnUUFZU09ySUxjTnN2cGhnUjg5cVk?oc=5) · The Arab Weekly
- 2026-07-28 [Here's How Nvidia Is Rapidly Becoming the 'Central Bank of AI' - marketwise.com](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNSXBzdExhb25QNzVudElKQTJkQm1FaEJSWlNLSjMtd1MxXzl1ZEhucjVmN09zQTJFVVQ4UVFCYThQYWFpcFpDVXN2UGk1T3hUTmFXZVp0RXdyQnF1RWhjMmxGaUJNNFNPU3ljWHl1NEVkTmpnUUJheUF4ekE1STdqbFdnckxUTmN3Tk4tWGtBUkt1LW8xYncwNzdGYnZGT2JDWHY1Y2hUZjRfQQ?oc=5) · marketwise.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17612 (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/12.json (key "17612", 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