# BRIDGE CITY STATE BANK
BRIDGE CITY, TX · FDIC certificate 18155 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. 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 | $246.8M | |
| Deposits | $199.7M | |
| Loans and leases | $134.7M | |
| Total equity | $21.6M | |
| Loans / deposits | 66.79% (p40 of band) | 73.59% |
| Liquid assets / assets | 40.31% (p63 of band) | |
| Uninsured deposits / deposits | 45.11% (p95 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 9.73% (p84 of band) | |
| FHLB advances / assets | 9.73% | |
| Tier 1 leverage | 11.71% (p49 of band) | 11.76% |
| Unrealized securities loss / equity | -55.95% (p5 of band) | -6.57% |
| AOCI / equity | -0.77% (p33 of band) | |
| ROA (annualized) | 1.09% (p46 of band) | 1.17% |
| Net interest margin | 3.62% (p34 of band) | 3.93% |
| Efficiency ratio | 65.74% (p50 of band) | |
| Noncurrent loans | 0.08% (p33 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p18 of band) | |
| Reserve coverage of noncurrent | 1187.27% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 152.62% (p98 of band) | |
| Auto loans | $765,000 (0.57% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 4.3% | |
| Employees | 38 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)
- **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 | 2 |  |  |
| 2012-12 | 2 | noncurrent p90 | capital falling |
| 2013-03 | 2 |  |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 3 | capital falling |  |
| 2013-12 | 2 |  | noncurrent p90 |
| 2014-03 | 2 |  |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 1 |  | capital falling |
| 2014-12 | 0 |  | reserve under noncurrent |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | uninsured deposits >50% |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 3 | charge-offs p90, reserve under noncurrent |  |
| 2016-09 | 2 |  | uninsured deposits >50% |
| 2016-12 | 2 | uninsured deposits >50% | charge-offs p90 |
| 2017-03 | 2 | capital falling | reserve under noncurrent |
| 2017-06 | 1 |  | capital falling |
| 2017-09 | 2 | reserve under noncurrent |  |
| 2017-12 | 1 |  | reserve under noncurrent |
| 2018-03 | 2 | capital falling |  |
| 2018-06 | 1 |  | capital falling |
| 2018-09 | 5 | AOCI drag >20% of equity, securities losses >30% of equity, reserve under noncurrent, construction >100% equity |  |
| 2018-12 | 3 | deposits shrinking, assets shrinking | uninsured deposits >50%, AOCI drag >20% of equity, securities losses >30% of equity, construction >100% equity |
| 2019-03 | 3 |  |  |
| 2019-06 | 3 | uninsured deposits >50% | assets shrinking |
| 2019-09 | 2 |  | deposits shrinking |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 3 | capital falling |  |
| 2020-09 | 3 |  |  |
| 2020-12 | 2 |  | capital falling |
| 2021-03 | 3 | noncurrent p90 |  |
| 2021-06 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving | uninsured deposits >50% |
| 2021-09 | 5 |  |  |
| 2021-12 | 5 |  |  |
| 2022-03 | 8 | AOCI drag >20% of equity, securities losses >30% of equity, charge-offs p90 |  |
| 2022-06 | 8 | capital falling, construction >100% equity | deposits shrinking, uninsured deposits leaving |
| 2022-09 | 5 |  | reserve under noncurrent, noncurrent p90, capital falling |
| 2022-12 | 5 |  |  |
| 2023-03 | 3 |  | assets shrinking, AOCI drag >20% of equity |
| 2023-06 | 2 |  | charge-offs p90 |
| 2023-09 | 3 | AOCI drag >20% of equity |  |
| 2023-12 | 3 | capital falling | AOCI drag >20% of equity |
| 2024-03 | 3 |  |  |
| 2024-06 | 2 |  | capital falling |
| 2024-09 | 2 |  |  |
| 2024-12 | 3 | deposits shrinking |  |
| 2025-03 | 4 | capital falling |  |
| 2025-06 | 2 |  | deposits shrinking, capital falling |
| 2025-09 | 2 |  |  |
| 2025-12 | 3 | capital falling |  |
| 2026-03 | 2 |  | capital falling |
| 2026-06 | 2 |  |  |

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

- 2011-04-04 [Hale named new president Bridge City Bank - The Record Newspapers](https://news.google.com/rss/articles/CBMipgFBVV95cUxOb1Y4VEJfVWZZUkQ5b2ZTeUkzOFJiSHMwcWdycDdmU29Udm9oeHJ2RnZZWDdMN29LaDlqVEtsWGZWc1RxV25ITlJQZnktSUZVRjFFLTYwRmhZRHNReTFUQ2xWczhSTTZMQjVaZWpNNFZvTUZCeVNIMFllckM2aF82YlFqUDlUREJYODJpbjZINDFCY24zeVRvM1FZWHhOOEJSM21ISGNB?oc=5) · The Record Newspapers
- 2017-12-23 [Clifford Wesley Miller, Jr. Obituary December 23, 2017 - pacestancil.com](https://news.google.com/rss/articles/CBMickFVX3lxTE5FWFQ5TEJXOG4yRXljZTBVR0NKZTlybGwxVElaWHVqbGtUNjVWUC1kdUdMdEM3cTB2bnN5YWhjd0xOY3ZneE85STZNVHg0LTBUbGNsMEJ5andicF9xaGtyVFp2TWI5YXlJQVZTYWg3T05jQQ?oc=5) · pacestancil.com
- 2025-11-01 [Lorena Marie Strange Obituary (2025) - Natalia, TX - Melancon Levingston Funeral Home - Groves - legacy.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxPMVlqcW5qX1NCRVhoUWxnOTZ0cnBLUmdidmxTakNkajVCcHVMLXUwTWpHNkRlMmk1U05OWTlDNmJwQnduX2UwamZyNUpIRjJ3Qnc4SXFCXzI0dllzbks3eWZES1JmdjNRSHJrSjlUUjNrRWQzblBHMVZjTmpLdnJQdkc4WQ?oc=5) · legacy.com
- 2012-11-14 [BCCC names Davis, Newell Students of the Month - The Record Newspapers](https://news.google.com/rss/articles/CBMirAFBVV95cUxPTWVXYkpTbVIzSmxkLWhmU2RpQUJya2cxOXAzNkVhOTRLa2pwMXNFT3hsV05OQV9nUHg1Rm5RRXRmZ3BsZHQ5SzBJS3h0UlZGdk5SeHNmVWdMV2pwUGlxWVJtTWs3Ry1hdFQzMjhtakdkU1dybVJ3RHU3dmxaMm8zd3hjZTZzdWo2WjlyVmhwcllWX2Z5MkcwSG1paUpqcUJYa29saUhNdnJSenJD?oc=5) · The Record Newspapers
- 2009-12-30 [Angelle named credit union CEO - The Record Newspapers](https://news.google.com/rss/articles/CBMilwFBVV95cUxQbmNOblFiUXZOanJ5clBDV3JfcDR0el8tbnlJZ21meE5CLWVGc09RSm85UWtfeUszczVpZVdZdUhvZTV3RVhwdjZIa3VMdTRFYzNhSEp5N1V5UTEzMm5DeXJpT2RieDJCUTlMcGtURG9nSG51cHV4TXVBTWY5NjBVaXNTcWRHZ1prc0lrVEd5Z1Y2VGJHdE9j?oc=5) · The Record Newspapers
- 2019-03-27 [UPDATE: Thibodeaux named Orange County's Judge - The Record Newspapers](https://news.google.com/rss/articles/CBMisgFBVV95cUxPNE9WU1VGVHotT1VSMEJyY0dwWGNnRzFjM0dnUzZsSXFOMHg1QjR3Q1R0WGljOEg1Qmd0c0hxN2xLTlpFbzJkTjBOZHZySHRYYm5URU9QTlR0UVFNbzVINXVaRmNfWjdla20tZDlRVGRFdG1jbXdBUlRGVXNtY2pabEZka21aS25BTWp6UHVOZkZBbTBBcU9BclZwTlRRV2hxaVlCd0Y3ZjdnQnpoYW9fbUNB?oc=5) · The Record Newspapers

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=18155 (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/43.json (key "18155", 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