# BENCHMARK BANK
PLANO, TX · FDIC certificate 19215 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *lender to lenders*. Composite score 4 (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 | $1.65B | |
| Deposits | $1.50B | |
| Loans and leases | $1.09B | |
| Total equity | $138.4M | |
| Loans / deposits | 72.03% (p19 of band) | 87.10% |
| Liquid assets / assets | 29.71% (p75 of band) | |
| Uninsured deposits / deposits | 61.13% (p96 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p6 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.47% (p6 of band) | 10.50% |
| Unrealized securities loss / equity | -0.15% (p95 of band) | -7.75% |
| AOCI / equity | 0.00% (p77 of band) | |
| ROA (annualized) | 0.83% (p20 of band) | 1.26% |
| Net interest margin | 4.17% (p76 of band) | 3.70% |
| Efficiency ratio | 65.48% (p70 of band) | |
| Noncurrent loans | 0.18% (p21 of band) | 0.51% |
| Net charge-offs (annualized) | 0.74% (p96 of band) | |
| Reserve coverage of noncurrent | 624.00% | |
| Real estate % of loans | 65% | |
| Construction % of loans | 132.66% (p96 of band) | |
| Auto loans | $482,000 (0.04% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $149.0M (108% of equity) (p99 of band) | |
| Deposits YoY | 31.6% | |
| Employees | 182 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **charge-offs p90** (`aq_nco`)
- **construction >100% equity** (`conc_construction`)
- **loans-to-lenders >50% equity** (`conc_warehouse`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | brokered >10%, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 4 | loans exceed deposits, liquid assets <10% | brokered >10% |
| 2011-09 | 4 |  |  |
| 2011-12 | 3 |  | construction >100% equity |
| 2012-03 | 1 |  | reserve under noncurrent, loans exceed deposits |
| 2012-06 | 2 | loans exceed deposits |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 | capital falling, reserve under noncurrent | liquid assets <10%, loans exceed deposits |
| 2013-03 | 4 | losing money, expense ratio p90 |  |
| 2013-06 | 3 |  | losing money |
| 2013-09 | 3 | losing money | reserve under noncurrent |
| 2013-12 | 4 | construction >100% equity |  |
| 2014-03 | 4 | loans-to-lenders >50% equity | capital falling |
| 2014-06 | 3 |  | losing money |
| 2014-09 | 3 |  |  |
| 2014-12 | 4 | capital falling |  |
| 2015-03 | 7 | uninsured deposits >50%, run vulnerability, losing money |  |
| 2015-06 | 6 | loans exceed deposits, liquid assets <10% | expense ratio p90, capital falling, losing money |
| 2015-09 | 7 | expense ratio p90 |  |
| 2015-12 | 5 |  | uninsured deposits >50%, run vulnerability |
| 2016-03 | 7 | uninsured deposits >50%, run vulnerability |  |
| 2016-06 | 5 |  | loans exceed deposits, expense ratio p90 |
| 2016-09 | 5 |  |  |
| 2016-12 | 6 | charge-offs p90 |  |
| 2017-03 | 3 |  | liquid assets <10%, run vulnerability, charge-offs p90 |
| 2017-06 | 5 | run vulnerability, charge-offs p90 |  |
| 2017-09 | 5 |  |  |
| 2017-12 | 5 |  |  |
| 2018-03 | 4 |  | charge-offs p90 |
| 2018-06 | 5 | liquid assets <10% |  |
| 2018-09 | 4 |  | liquid assets <10% |
| 2018-12 | 4 |  |  |
| 2019-03 | 5 | capital falling |  |
| 2019-06 | 5 |  |  |
| 2019-09 | 4 |  | run vulnerability |
| 2019-12 | 3 |  | construction >100% equity |
| 2020-03 | 5 | run vulnerability, expense ratio p90 |  |
| 2020-06 | 4 |  | capital falling |
| 2020-09 | 1 |  | uninsured deposits >50%, run vulnerability, expense ratio p90 |
| 2020-12 | 4 | uninsured deposits >50%, capital falling, construction >100% equity |  |
| 2021-03 | 4 |  |  |
| 2021-06 | 5 | expense ratio p90 |  |
| 2021-09 | 3 |  | capital falling, construction >100% equity |
| 2021-12 | 3 |  |  |
| 2022-03 | 5 | capital falling, NIM <2.5% |  |
| 2022-06 | 3 | construction >100% equity | expense ratio p90, capital falling, NIM <2.5% |
| 2022-09 | 3 |  |  |
| 2022-12 | 4 | deposits shrinking |  |
| 2023-03 | 6 | assets shrinking, uninsured deposits leaving |  |
| 2023-06 | 5 |  | uninsured deposits >50% |
| 2023-09 | 5 |  |  |
| 2023-12 | 5 | uninsured deposits >50%, capital falling | loans-to-lenders >50% equity, uninsured deposits leaving |
| 2024-03 | 3 | loans-to-lenders >50% equity | deposits shrinking, assets shrinking, capital falling |
| 2024-06 | 3 |  |  |
| 2024-09 | 4 | capital falling |  |
| 2024-12 | 3 |  | loans-to-lenders >50% equity |
| 2025-03 | 4 | run vulnerability, loans-to-lenders >50% equity | capital falling |
| 2025-06 | 3 |  | run vulnerability |
| 2025-09 | 4 | capital falling |  |
| 2025-12 | 4 |  |  |
| 2026-03 | 5 | charge-offs p90 |  |
| 2026-06 | 4 |  | capital falling |

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

- 2023-11-28 [Best Banks to Work For 2023 with less than $3B of assets - American Banker](https://news.google.com/rss/articles/CBMilgFBVV95cUxQWmFXQ2d3bmkyWlhZZkZaOXVfM1pnZ2dUX2RISmVjbllTbWx6eXcyZjhjRVRuUF91Z1dvSW9XMTlkSGd5R0pIS2RJZF94cVJrRmxmc0Y5dUdTX1VDaVlRMFRhSFZLMGFEbVpOcDVZdFpjcVR0R2kwR3g0TXRYV2h0N2U1VkRvcnZKWUxaNlRLLTVkS0NScHc?oc=5) · American Banker
- 2022-08-24 [Beacon Pointe acquires $600 million bank unit in Texas - InvestmentNews](https://news.google.com/rss/articles/CBMiogFBVV95cUxNMUR6cDVvWGxmMjU1Q1U3X0xzMDRhMXhCWXU2VE0zTzZXSHc3UFBhY3cySFVDU252QWVWNXV6YUdGMURqZFl5Ny1WM3AybXJFX2NZaHZxX1pkcTZQYUVwRnNJTHRMRlRkUVNsdG9HUUVmaTA2X3U5cWd5bHlUYjBvMWltT1dDbmdBQlZCQ3VSM2JBQ3JBTjdTLThybkJKaDdlTlE?oc=5) · InvestmentNews
- 2022-08-24 [Beacon Pointe and $600M Benchmark Private Wealth Management Join Forces in M&A Partnership - PR Newswire](https://news.google.com/rss/articles/CBMi3AFBVV95cUxPYzAtUGxJdDJsZHp6c0NmNHg1QzVFcFFGajVtNlE1S1ZCV0tIRE1aWHBpYS1WTXN1Zm85d0Z5Zng4Q3dfNTM4VTZUb25pWDFGUXRQbC1xbE9fd1dCUjNfejVlOGN5U0g4LVFrcmRGWl9oOVZwaFhnLXZFRXdqMjFmZWl2U2J6b1FpamhmR0tuQlZqSDF5OTR1SVd3ZWNBck5Ib1dsdlkxQTA2TDJMeFZxV0pYWElXRi1lazJaNUQ2TlNiMU1vVzFNSnpYYV9HQno2QnRSTWczOC1aT1Jn?oc=5) · PR Newswire
- 2019-11-21 [North Texas community bank opens first branch inside Houston's Beltway 8 - The Business Journals](https://news.google.com/rss/articles/CBMipAFBVV95cUxNekh0SHZrN1JuZUNvdHFCWWY3NkVUazI3Z01tUjdmR1JiMnpUamFRM0FjYlRfTEZUcl9ZNzQ4dVJ0WTdtU0llWi1uQW8tdnFZUTFUQVE0ODdUNmR6SW5uaG8zcWxxSlIyV2ZfVWpwazh6bkxsZklSX2xQNXV2MmZ2OVpHVU91ekxkeUhqV1ZHN2VEa2RvVGFwVzZSWVViTE5kX0oxaA?oc=5) · The Business Journals
- 2019-08-12 [North Texas’ Fastest-Growing Community Banks - D Magazine](https://news.google.com/rss/articles/CBMiowFBVV95cUxPUjl2Ykk1dDI4b2ZpQzVwem5fVGF5dEI2WDc2OWw2ZUppNmZycWJhbEp2b1F6Vk54TzhVZVE2dV9jNlNicEJXMEZGWS1ZdzNrblpOOWdtcVlJX1lfdVFCMHhITnY4Ui1oaUxaS0wxOEFGcVJua0NVcFBDVVk1RHF5aHBpVThNZkE5cXRfMU1DN1N5eWU4T3lNWEtBYnZoWHIxcjBB?oc=5) · D Magazine
- 2021-02-22 [Benchmark Bank (TX) Review | Review, Fees, Offerings - SmartAsset](https://news.google.com/rss/articles/CBMigAFBVV95cUxNV3V6VVlJMkhhcTVKWWpPMDFHWjhRSVhWR19iaWFwcFBxZkt6RzlSVE83cjl3VzFVVXE2WVJmbkZWbl9fZ3JGVlVvZ3M3WXFDR1RXSlMxd0k1ck9yNDJuTXQxVmhTcDN5YnhETW1CTFJQT0NpRWZDWFE3bGVYTG1hdQ?oc=5) · SmartAsset
- 2020-01-27 [Prominent Texas Banking Family Ventures Into Tanglewood With Posh Visions - PaperCity Magazine](https://news.google.com/rss/articles/CBMijAFBVV95cUxNeF8wSUNkZjNRSWpnakNOaWt1MVJzQnowZVpfMS1IYjdUaGIwcXZZN2RuQXRYMjAzQkp0OUJSUWs0ekJEckV0dnJsc0s4c3B6VldrZlNUVW9BS3VodUxKeS16c0tBbFd3TmZBU0lxSzd6SUIwMHNIUzFzNkU1QXZRdmZQZGJ4R19Da19Zcg?oc=5) · PaperCity Magazine
- 2022-06-10 [How One Pit-Repair Company Saved a Historic Smoker - Texas Monthly](https://news.google.com/rss/articles/CBMihAFBVV95cUxNUEF6YXRWcGR6U1p2bndzdXdCcmcycWNYQTA3cEVGOWJOLURWVVhsU29MUWtwNUowZ0lTZkdTSWZqLVpFTXNzYXVwb3pXQUxMQ25TS3RScy1sa2p4aUljSzJuQTlGNzZMUmwtVEFZRzF6WkRyeDBJSERnWFdRcjVndE1PUFU?oc=5) · Texas Monthly

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=19215 (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/15.json (key "19215", 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