# PEARLAND STATE BANK
PEARLAND, TX · FDIC certificate 18132 · asset band <$300M · latest filing 2024-12 · stopped filing (departed)

**Verdict on the desk:** this could be *run candidate*. Composite score 3 (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 | $188.9M | |
| Deposits | $177.9M | |
| Loans and leases | $45.9M | |
| Total equity | $10.4M | |
| Loans / deposits | 25.55% (p6 of band) | 72.20% |
| Liquid assets / assets | 75.02% (p95 of band) | |
| Uninsured deposits / deposits | 40.67% (p93 of band) | 19.30% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p20 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.38% (p60 of band) | 11.46% |
| Unrealized securities loss / equity | -134.64% (p3 of band) | -13.79% |
| AOCI / equity | -2.79% (p10 of band) | |
| ROA (annualized) | 0.68% (p36 of band) | 0.90% |
| Net interest margin | 2.14% (p6 of band) | 3.57% |
| Efficiency ratio | 73.46% (p56 of band) | |
| Noncurrent loans | 0.35% (p54 of band) | 0.26% |
| Net charge-offs (annualized) | 0.00% (p33 of band) | |
| Reserve coverage of noncurrent | 315.72% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 136.67% (p96 of band) | |
| Auto loans | $64,000 (0.14% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -4.3% | |
| Employees | 23 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)
- **NIM <2.5%** (`earn_nim`)
- **construction >100% equity** (`conc_construction`)

## 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 | 2 | capital falling |  |
| 2012-09 | 1 |  | capital falling |
| 2012-12 | 0 |  | reserve under noncurrent |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | capital falling |  |
| 2013-09 | 0 |  | capital falling |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | capital falling |  |
| 2014-09 | 0 |  | capital falling |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | NIM <2.5% |  |
| 2015-06 | 2 | capital falling |  |
| 2015-09 | 2 | reserve under noncurrent | capital falling |
| 2015-12 | 1 |  | reserve under noncurrent |
| 2016-03 | 2 | reserve under noncurrent |  |
| 2016-06 | 2 | capital falling | reserve under noncurrent |
| 2016-09 | 2 |  |  |
| 2016-12 | 1 |  | capital falling |
| 2017-03 | 0 |  | NIM <2.5% |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | capital falling |  |
| 2018-09 | 0 |  | capital falling |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | capital falling |  |
| 2019-09 | 0 |  | capital falling |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | NIM <2.5% |  |
| 2020-06 | 2 | capital falling |  |
| 2020-09 | 1 |  | capital falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 2 | capital falling |  |
| 2021-09 | 1 |  | capital falling |
| 2021-12 | 1 |  |  |
| 2022-03 | 3 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-06 | 3 |  |  |
| 2022-09 | 5 | construction >100% equity, assets shrinking |  |
| 2022-12 | 5 |  |  |
| 2023-03 | 2 |  | AOCI drag >20% of equity, construction >100% equity, assets shrinking |
| 2023-06 | 4 | capital falling, construction >100% equity |  |
| 2023-09 | 4 | AOCI drag >20% of equity | capital falling |
| 2023-12 | 3 |  | AOCI drag >20% of equity |
| 2024-03 | 3 |  |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 4 | deposits shrinking |  |
| 2024-12 | 3 |  | deposits shrinking |

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

- 2024-10-17 [First Liberty National Banchares Inc. to acquire First National Bank of Alvin and Pearland State Bank - bluebonnetnews.com](https://news.google.com/rss/articles/CBMi1gFBVV95cUxOUkNkTWUtVFZSVDMwMG1wRlV0dEZGbmtIYkZoTW02WnB6ZzBNUmFPenAzRi0wQ0pzRFFtTEl4WXBmbnNhdlBETi11S0FqU0ktUEQ2OTdXUEFUcmpFNVRLSUNZM2FjMG94bEVydHNIcU5Ob0VkRGdKcDRUWGVMY2pIdVlQZnhHRFp0aGFobUlNZkw1Z25ta3puaHNnTDM2WEx0bWJSbnotOFNfd2lkOUlOWXg4RHdwa0JYQmQ2czF4VjltQXh3dkdpRkdjVGxOR0NmdXB4S0lR?oc=5) · bluebonnetnews.com
- 2024-10-17 [First Liberty Bank to acquire two Houston-area banks, eyes more local growth - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPLW9DNWJKOE5VR2I3dG5lY05NeDVweVpHa0Z1U25HN2YxYzZPazViVl9YVkJWWFlMR1N4QlR3V2lpd3ZlRldVOGF6QlNGMFFoQkswWnhWV1ZndTN6TVNwclZuWGY4eFRUYkkxM2dON0xWZWdSTEpRUERibExUejQ2eEJlNUlkQUIzcmUtQU5oaDBVdkdPUUZyeE9ETDdVLXdvbkw0N1VSeFNjUQ?oc=5) · The Business Journals
- 2010-02-16 [Pearland State Bank celebrates 50 years - Chron](https://news.google.com/rss/articles/CBMirAFBVV95cUxQQkNxZTFiajl0VUVYOV9NT2lCY21sRU82RXQ1RDFLZWVtMDVDendhQXJfeDF6QWJDXzY2c2F6dWY2NE5aTnk2MzctWmFEdzdHeEdteXhfQndSWTRvY1dkdW44Vkl5aWhZM3ZQdGJ3bUFhamJTTHJCWWlkcWVIX3lrTnNEcjlTSkduTHVxQTR6MjlnZUNPWGlYWVRmcDlTenM4OTI3blY4Q2tzLTZu?oc=5) · Chron
- 2019-04-18 [Sandra ‘Sandy’ Jean Cox Bishop - Crowder Funeral Home](https://news.google.com/rss/articles/CBMigAFBVV95cUxPNUZLZkdEaXpVZEY3NVNDMTlqTjFHZ0FIU3JOSE9nMnA2ajFMTmdQSjZPQTlrd0ZGaXBsQ2ZDVVRFeDJUb1NnYXdodnltQU1naDhrMkJLSW0tdmZDczdoVG5pOUtvV3VoNVl0bksxbnZLMENPbmhPYXBzb3R4LXlIdA?oc=5) · Crowder Funeral Home
- 2015-11-25 [Pearland State Bank serves up holiday cheer - Chron](https://news.google.com/rss/articles/CBMingFBVV95cUxQSzJ5TDRGekZIOEp3ZjdzcjMxcFNhM1FoNXVYUWVTQ1E0TE90RVU0VjFRelVhQzJtVFl4ZWRrMEs4clFwczU1dGVBVnc2VmF5OG1YRHBxZDRLNS1TQ3A2WlpiX2daNS1aVlpGS1Iyd0FoMTM4OFZ3Z1AtSnF3VzBjSmFWWHdIVW81YkppNnU3N1g1ZTRDY2dxX2JNaTBxZw?oc=5) · Chron
- 2018-03-20 [Shirley Cox Obituary - Webster, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMifkFVX3lxTE5falZJa3BLR0ZvbERRSHEtN25XbEhDZWVLOUZ3Z1BKc29SQjlmWi04RnNHM2R3amUzcngyX1FzSHExSHM1VzV0ME1yQ3pMN1RDWnY0OFJVZG5GZGgwaThhWEZDZ2ZSTk9XUzltU3pMUHo3cjZYbml6aU1hbFZrdw?oc=5) · Dignity Memorial
- 2025-03-10 [Jo Smith Obituary (2025) - Pearland, TX - Clayton Funeral Home and Crematory - Pearland - legacy.com](https://news.google.com/rss/articles/CBMie0FVX3lxTE1mazMzSThXZGNNajZRNlV1bUdySWtVME1naHFZQnIxTHpEcDhRZU9hWGxUS1kza1YxbmdOaEU1WHdZaklCbWJWRXkxVGZjZHNyWjFyUnBsMUp1U3hkOFd0VlZyTkFfallNWnVmdTdETWtFWmg0YXlZUnZubw?oc=5) · legacy.com
- 2015-11-19 [Pearland State Bank hosts Holiday Kickoff Party - Chron](https://news.google.com/rss/articles/CBMiowFBVV95cUxNLWtIS0stTGFnWFRvTFhsc2QtWi10X0gxR3FOR1NSeFlMTkl5QUs3bFJSV3l4S2VJWHNJQlpxeVhXeVlKN2hURUxUMjRLS1dsU3JWVEJjdWJUMkxFOUNfRGRWRWxHai1ZdFFmN1BwYkxuaTc1aWZSXzdDMGgyZm5jQURQMHgzM21UTWtpMGRKNWRFZ0w3SVZBd0dCc3pOcW1fUjVN?oc=5) · Chron

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=18132 (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/20.json (key "18132", 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