# BANK OF TEXAS
MIDLAND, TX · FDIC certificate 18576 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. 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 | $543.6M | |
| Deposits | $451.2M | |
| Loans and leases | $391.2M | |
| Total equity | $70.2M | |
| Loans / deposits | 85.43% (p60 of band) | 82.04% |
| Liquid assets / assets | 27.31% (p57 of band) | |
| Uninsured deposits / deposits | 70.32% (p99 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 3.83% (p52 of band) | |
| FHLB advances / assets | 3.83% | |
| Tier 1 leverage | 13.01% (p79 of band) | 10.81% |
| Unrealized securities loss / equity | -0.02% (p96 of band) | -8.10% |
| AOCI / equity | -0.02% (p73 of band) | |
| ROA (annualized) | 1.65% (p73 of band) | 1.28% |
| Net interest margin | 3.62% (p34 of band) | 3.91% |
| Efficiency ratio | 40.79% (p6 of band) | |
| Noncurrent loans | 0.48% (p54 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p29 of band) | |
| Reserve coverage of noncurrent | 300.90% | |
| Real estate % of loans | 61% | |
| Construction % of loans | 67.41% (p70 of band) | |
| Auto loans | $374,000 (0.10% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 9.6% | |
| Employees | 26 | |

## 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 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 2 | loans exceed deposits |  |
| 2012-09 | 2 | construction >100% equity | loans exceed deposits |
| 2012-12 | 2 |  |  |
| 2013-03 | 1 | uninsured deposits >50% | capital falling, construction >100% equity |
| 2013-06 | 1 |  |  |
| 2013-09 | 4 | construction >100% equity, deposits shrinking, assets shrinking |  |
| 2013-12 | 2 |  | deposits shrinking, assets shrinking |
| 2014-03 | 3 | capital falling |  |
| 2014-06 | 3 |  |  |
| 2014-09 | 2 |  | capital falling |
| 2014-12 | 2 |  |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 3 | deposits shrinking |  |
| 2015-09 | 2 |  | deposits shrinking |
| 2015-12 | 2 |  |  |
| 2016-03 | 3 | capital falling |  |
| 2016-06 | 1 |  | construction >100% equity, capital falling |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | run vulnerability |  |
| 2017-03 | 3 | construction >100% equity |  |
| 2017-06 | 3 | loans exceed deposits | construction >100% equity |
| 2017-09 | 4 | construction >100% equity |  |
| 2017-12 | 3 | capital falling | run vulnerability, loans exceed deposits |
| 2018-03 | 2 |  | capital falling |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 3 | run vulnerability |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 6 | loans exceed deposits, wholesale funding >15%, deposits shrinking |  |
| 2020-06 | 4 |  | wholesale funding >15%, deposits shrinking |
| 2020-09 | 2 |  | run vulnerability, loans exceed deposits |
| 2020-12 | 4 | loans exceed deposits, run vulnerability |  |
| 2021-03 | 4 |  |  |
| 2021-06 | 4 |  |  |
| 2021-09 | 4 | capital falling | run vulnerability |
| 2021-12 | 5 | run vulnerability |  |
| 2022-03 | 3 |  | loans exceed deposits, run vulnerability |
| 2022-06 | 2 |  | capital falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 4 | loans exceed deposits, run vulnerability |  |
| 2023-03 | 4 |  |  |
| 2023-06 | 4 |  |  |
| 2023-09 | 7 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2023-12 | 7 | liquid assets <10% | uninsured deposits leaving |
| 2024-03 | 6 |  | liquid assets <10% |
| 2024-06 | 2 |  | loans exceed deposits, run vulnerability, deposits shrinking, assets shrinking |
| 2024-09 | 4 | capital falling, run vulnerability |  |
| 2024-12 | 5 | loans exceed deposits, wholesale funding >15% | capital falling |
| 2025-03 | 2 |  | run vulnerability, loans exceed deposits, wholesale funding >15% |
| 2025-06 | 1 |  | construction >100% equity |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

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

- 2026-02-13 [Commercial Bank of Texas Celebrates 125 Years of Community Banking - Community Impact](https://news.google.com/rss/articles/CBMiswFBVV95cUxQSUxka3JVc1YwVkxzYUJhcnNfTmNFTDU2cENXTlE0SHJGdnJDanBwUER1X2JUMzRic3VmMllqejJ0Y2wwMUYwLVZJVnA0OWQwanpCeXJPQm9xRklPRXZ0LWRZVllqREZhRU1QSEY1OWZWbWJrUHZKLUdObDBJbHdOSTEySHkycmZzdHdqSnUzQXJ1ZXJ6dEhTZmVsY0dlSFd5dUtUaFc2dHljZEhXT1lUUUc1RQ?oc=5) · Community Impact
- 2026-06-01 [Commercial Bank of Texas announces hiring of Bradley - The Lufkin Daily News](https://news.google.com/rss/articles/CBMi3gFBVV95cUxPUzRraTRhOUtqekt6dk1HRHM1d1FpLTFPY1JrN1ZDdURyVWpPN3owTWRxcTNfcENBQWJ4Y2c4cU9HMlZkc0tuVVFGeTR4bl91M3JOdzJQYXhFYkdFUHZGdjdqNmVfeFJxNHZuYU15QUpuQnhmMEVVaHY2SklocW4ybzdOVE1OcmVxV2UycXdpREI4MHRTVDJzQS1XVC0xLWtfeE4wcm8xeV9yY1RvYVZYdUwzSEJKMjFzdFA2TlhFc2ptNkYyVWFzMlltMDItcXNKWnJ2REVaYWFCaWVRRnc?oc=5) · The Lufkin Daily News
- 2026-06-01 [Ian Smith | People on the Move - Dallas Business Journal - The Business Journals](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQbjVpS0hDVlBILWNLOGN1NVBJV3BZZXpna3lBRzJDZW1rTG5Gak9XMFFmSGY0Q1VZSDR2Vi1scVgtb1NCUkpYMTJrdmx5SDJBa0lEM1FnN0RreVZLRVd5NzFTci1uaWdoSHluQm1valJkQ2pmRHRTa2xZLWJoRGVBOTBpa29keGYy?oc=5) · The Business Journals
- 2026-01-14 [AMERICAN NATIONAL BANK OF TEXAS STRENGTHENS LOCAL LEADERSHIP WITH SEVEN ADDITIONS TO COMMERCIAL BANKING TEAM AMID INDUSTRY CONSOLIDATION - The Business Press](https://news.google.com/rss/articles/CBMihgJBVV95cUxPdDVJbzNMQmR4RzJCVjVSN0xnTjFVOU9FMXVvUEJaZG1PbVFzS0ZpRWIzUU9lc2dKaEo1R2FoSlQ0dlFjQ1NIWk4xY0otSHlHRFFsazREcmVPRGNZTURuM014ekNFejVBR0ZwSlNzc25KTVY1LWhvY1ZvaG1tMGU4TmpKMUNCalVIUkNvMXBpUUFlWW9QU3gtYU9DNXJoczhkTzJyR3owZUVCT1dET2w3elU4Y1YyOHZNS3lLTnhjTTEyajFUTzF6UDlQal9kVjBKbHdRRldEQzdpZ29tSDVobjBPQ0dic0l5X19lell0MlNQZzNGOWVuRTMwZ0lrQnlzbkE3S3Fn?oc=5) · The Business Press
- 2025-12-09 [American National Banking of Texas opens new banking center in Heath as part of North Texas expansion - blueribbonnews.com](https://news.google.com/rss/articles/CBMi0wFBVV95cUxOa2dKVkc2dFlwUnVxcXd6aHo2a3VqZUllUkxrbHpVcjY0SUVCRndFWmhkNDVDRlF3VlF1TlRtRXplWVhLR2t2U014Y01Kc19feDdRSktVNjRPVHBkeE5BdUN0b240aEViOS1CTm1nX1lBbTU5YW81cmJrUnNWenFnTFg1Z29iQWE2N2RZYUcyakcyNXU3Vk5Td2NKLURIX3FaTFlqcWlFZzlfQnV1NGlaVmF5a2pDRmlxMnFjM0JiQ0VsMTlSRVg4cWp6c0FJTFRabjdZ?oc=5) · blueribbonnews.com
- 2025-12-25 [Texas - Newsweek Rankings](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNM0d4d05XbEdGSjR0YTRMN3p0UjQ2Mi1HUUhTUmpqZGtmcG1yOHFOUE1RQmRLQUF6M3NPZzhCcS1LMUZpWUE4ZE1ZMGViYldKOEtGZzFWek9PTURXcmkxQW9ZY3ZuSFQwNzcxYjBFaWhkclJlRk1SYUlhQmVRdlY2ZkowM0ZpVHdoXzhV?oc=5) · Newsweek Rankings
- 2026-01-01 [Viral post claims Indian-origin Chan Patel's State Bank of Texas only serves Indians; social media asks 'where is the fraud?' - The Times of India](https://news.google.com/rss/articles/CBMimwJBVV95cUxOY2p4eWdtbFIwZmk2TEQ2YlZRSjV4R0I4TGdMejA0VDh0alRCMnZ1MzBiUnNzR2YwVk9UZ3hhWXZmMmY3bmtZenFhVzlnN0RkVEszUDAtRUdDTUNoMmEzbzA0YkVIcDR3TkxzVDFLc013ZjV3VWZNMkFvN1Z4SlUtU2M3Z0ltSmV5TFE4ZlgzM0Z2VmZEQVJna2dSOHU4SFJJZ1Z0NGRUY21LT185aXYwanR0TkZaamdMYTcyUVV6SmpjOUhLSGQ3QVZjWlVMbDZGS1NvUmJuVFc3VG9DeGZETTdDb1NRVFVtd0prYVBycHdmNlNHVGVRcTVYY1ZGUFQ0VkJCNUZmSkRLV3RHRmtaZHNvRldTZ2wyRjNF?oc=5) · The Times of India
- 2026-05-12 [Banking legend Carlos Vacek dies at 89 - The Record Newspapers](https://news.google.com/rss/articles/CBMiowFBVV95cUxNODNOQ2ZscG9GWEdESmtZcHNoNXZmc2dFVmdxQ0xEOC1DNXNTaUZjRlRySDFaMTBuSHpSckFaalVJX1d5S1prSmR4ZTcyaWdBQ1NsUlVzRXRudVZIc1FFNHNod0pRejdmcmdvLUdCWkxCZl9TTno2TmpLQnlRN1pwQ3UzTjBTZ3l0MXUxbTNWQUdESDMxeXZ6Q0JscFQ0b2ppcVNN?oc=5) · The Record Newspapers

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=18576 (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/16.json (key "18576", 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