# TEJAS BANK
MONAHANS, TX · FDIC certificate 18216 · asset band <$300M · latest filing 2025-12 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 (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 | $238.6M | |
| Deposits | $210.3M | |
| Loans and leases | $129.7M | |
| Total equity | $24.3M | |
| Loans / deposits | 60.73% (p32 of band) | 73.21% |
| Liquid assets / assets | 43.47% (p68 of band) | |
| Uninsured deposits / deposits | 58.85% (p99 of band) | 19.45% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p22 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.72% (p24 of band) | 11.56% |
| Unrealized securities loss / equity | -6.05% (p50 of band) | -6.10% |
| AOCI / equity | 14.26% (p88 of band) | |
| ROA (annualized) | 0.62% (p26 of band) | 1.04% |
| Net interest margin | 4.97% (p89 of band) | 3.83% |
| Efficiency ratio | 69.79% (p55 of band) | |
| Noncurrent loans | 0.03% (p27 of band) | 0.34% |
| Net charge-offs (annualized) | 0.00% (p47 of band) | |
| Reserve coverage of noncurrent | 5641.67% | |
| Real estate % of loans | 54% | |
| Construction % of loans | 2.43% (p23 of band) | |
| Auto loans | $1.8M (1.40% of loans; DQ 3.48%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -2.8% | |
| Employees | 15 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 0 |  | capital falling |
| 2012-03 | 0 |  |  |
| 2012-06 | 1 | capital falling |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 0 |  | capital falling |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | capital falling |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 | deposits shrinking | capital falling |
| 2015-09 | 2 | assets shrinking |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 5 | capital falling, charge-offs p90, reserve under noncurrent |  |
| 2016-06 | 2 |  | deposits shrinking, assets shrinking, capital falling |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 1 | capital falling | charge-offs p90, reserve under noncurrent |
| 2017-06 | 1 |  |  |
| 2017-09 | 0 |  | capital falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | capital falling |  |
| 2018-06 | 0 |  | capital falling |
| 2018-09 | 1 | charge-offs p90 |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 0 |  | charge-offs p90 |
| 2019-06 | 1 | uninsured deposits >50% |  |
| 2019-09 | 1 | capital falling | uninsured deposits >50% |
| 2019-12 | 2 | uninsured deposits >50% |  |
| 2020-03 | 1 |  | capital falling |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 3 | charge-offs p90, deposits shrinking, assets shrinking | uninsured deposits >50% |
| 2021-06 | 3 | uninsured deposits >50% | charge-offs p90 |
| 2021-09 | 2 | capital falling | deposits shrinking, assets shrinking |
| 2021-12 | 2 |  |  |
| 2022-03 | 3 | charge-offs p90 |  |
| 2022-06 | 7 | AOCI drag >20% of equity, securities losses >30% of equity, losing money, noncurrent p90, reserve under noncurrent | charge-offs p90 |
| 2022-09 | 5 |  | capital falling, losing money |
| 2022-12 | 4 | charge-offs p90 | noncurrent p90, reserve under noncurrent |
| 2023-03 | 3 |  | AOCI drag >20% of equity |
| 2023-06 | 5 | deposits shrinking, assets shrinking |  |
| 2023-09 | 3 |  | deposits shrinking, assets shrinking |
| 2023-12 | 2 |  | securities losses >30% of equity |
| 2024-03 | 1 |  | charge-offs p90 |
| 2024-06 | 1 |  |  |
| 2024-09 | 2 | charge-offs p90 |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 1 |  | charge-offs p90 |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |

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

- 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
- 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
- 2025-08-05 [Richard Phipps Obituary Aug 5, 2025 - Harkey Funeral Home](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE1GaDkweFBWdG5BZDZXcWw3YWpLRWp5VlVPelduVWJqbnR1VkNzZHMzNlBVQ1RpQUdzTG1Ba0N0bktBOU9GSnU0M245Q2lJLWlfcVhKYS1YbUdhYy1zYUZyQkNYU2lSeGs?oc=5) · Harkey Funeral Home
- 2016-09-24 [Joy Fletcher Obituary Sep 24, 2016 - Harkey Funeral Home](https://news.google.com/rss/articles/CBMiZEFVX3lxTE5OLWZaTEl6enNWZFpScy1JN01OdFVKQV9ZcjZNd3B5VTM1UGF2b25KMFJjeG1DQWdJcFItb2liWlpVamlvZmtwTnN4ZGhncmhlR3JuZjgta2s4enVld0x1QWhpaDQ?oc=5) · Harkey Funeral Home

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=18216 (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/40.json (key "18216", 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