# TEXASBANK
FORT WORTH, TX · FDIC certificate 19559 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. 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 | $2.48B | |
| Deposits | $2.01B | |
| Loans and leases | $2.14B | |
| Total equity | $313.6M | |
| Loans / deposits | 105.27% (p93 of band) | 87.10% |
| Liquid assets / assets | 11.92% (p10 of band) | |
| Uninsured deposits / deposits | 30.92% (p51 of band) | 30.76% |
| Brokered deposits | 3.40% | |
| Wholesale funding | 9.23% (p62 of band) | |
| FHLB advances / assets | 5.83% | |
| Tier 1 leverage | 12.87% (p84 of band) | 10.50% |
| Unrealized securities loss / equity | -1.69% (p83 of band) | -7.75% |
| AOCI / equity | -0.13% (p63 of band) | |
| ROA (annualized) | 2.33% (p94 of band) | 1.26% |
| Net interest margin | 4.92% (p94 of band) | 3.70% |
| Efficiency ratio | 52.77% (p31 of band) | |
| Noncurrent loans | 0.41% (p42 of band) | 0.51% |
| Net charge-offs (annualized) | 0.10% (p75 of band) | |
| Reserve coverage of noncurrent | 289.21% | |
| Real estate % of loans | 97% | |
| Construction % of loans | 137.51% (p96 of band) | |
| Auto loans | $3.1M (0.14% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 3.5% | |
| Employees | 406 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **construction >100% equity** (`conc_construction`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 2 | capital falling, reserve under noncurrent |  |
| 2012-06 | 1 |  | capital falling |
| 2012-09 | 0 |  | reserve under noncurrent |
| 2012-12 | 1 | uninsured deposits leaving |  |
| 2013-03 | 4 | capital falling, deposits shrinking, assets shrinking |  |
| 2013-06 | 0 |  | uninsured deposits leaving, capital falling, deposits shrinking, assets shrinking |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | capital falling |  |
| 2014-03 | 0 |  | capital falling |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | uninsured deposits leaving |  |
| 2015-03 | 0 |  | uninsured deposits leaving |
| 2015-06 | 1 | capital falling |  |
| 2015-09 | 0 |  | capital falling |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | uninsured deposits leaving |  |
| 2016-06 | 0 |  | uninsured deposits leaving |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | uninsured deposits leaving |  |
| 2017-03 | 0 |  | uninsured deposits leaving |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | capital falling |  |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | capital falling |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 1 | construction >100% equity |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 4 | brokered >10%, wholesale funding >15%, capital falling |  |
| 2023-06 | 3 |  | brokered >10% |
| 2023-09 | 2 |  | capital falling |
| 2023-12 | 2 |  |  |
| 2024-03 | 1 |  | wholesale funding >15% |
| 2024-06 | 2 | uninsured deposits >50% |  |
| 2024-09 | 0 |  | construction >100% equity, uninsured deposits >50% |
| 2024-12 | 0 |  |  |
| 2025-03 | 1 | capital falling |  |
| 2025-06 | 1 | construction >100% equity | capital falling |
| 2025-09 | 2 | loans exceed deposits |  |
| 2025-12 | 7 | noncurrent p90, reserve under noncurrent, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2026-03 | 3 |  | noncurrent p90, reserve under noncurrent, deposits shrinking, assets shrinking |
| 2026-06 | 3 |  |  |

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

- 2026-08-07 [TexasBank Announces Leadership Changes to Expand Community Impact Across Central Texas - The Flash Today Erath County](https://news.google.com/rss/articles/CBMiwgFBVV95cUxPNlB3b3JTSHRxcWdlYVZ3eXZSU09kMDBwV2lVM0RHZ3RxTWRzbnNscmIxWG9LR0JUeU41a2ktc2Fxa0ZRaVdaYXg2eU1xcThUTzRJelc0QUtuZXFsb2F3UzQ1RVVPOGxKTEVYRm92aGtYZHhRTEI3cHQtbDFyQUpJaEhrY2RxaXJMcFdPVWoyZGliclBWSWFQb08yeUoweEt0OWNBU0E4MEliR2hUeGpMWGp5VS1OV1MtU1VfS1dYRkFmUQ?oc=5) · The Flash Today Erath County
- 2026-08-07 [TexasBank leadership changes aiming to boost community impact in Central Texas. - Beneath the Surface News](https://news.google.com/rss/articles/CBMivgFBVV95cUxOVjgzckREZkxVYkRQaGtCS3lNb1ZGSXVhOVd2M09jSFRJcWxLTk83ZFNaU2JoQjF3cGVWX0ZFcG9YSWRXN2pGX1BjLTRYNjc2VFlaZVdjOXgxVTg5aWdlem9FRjdxamJfSmkzelpHS0Y0NVM5V3RqVFdGYndJR0J1U3lmOWk2NmhrNkJPZUk5SGpYZDh6eGJ2QkMyWkpZU3NfRFpiUTdzaHRzT0xpSU5JUXNBOWozaXRYMTNvYVJ3?oc=5) · Beneath the Surface News
- 2025-04-26 [Cee Yager Joins TexasBank as Tarrant County President - The Business Press](https://news.google.com/rss/articles/CBMilwFBVV95cUxNeEJtc3hRRTNGM1hCUWs3WE1GUlhiNW05dDVIY0dydGMtUF9aYzRkRWJTZVJqSkU1T3ZXb0Q5S3ZiaGdiQWtSYUJRN3BxSk15ZUdwT3VKekxYeWdFYUY5WWdsMzN1Z3k5cW9ucUQ0U3ltdWdDY2ZZU21ISlEyaVowaHpFODZfTkQxX1FSYnZyRXQ2eGgwZmZV?oc=5) · The Business Press
- 2023-10-20 [Greg Dodds announced as CEO and President of TexasBank - Brownwood News](https://news.google.com/rss/articles/CBMinAFBVV95cUxQc2FIbjVvMmd2eEJrazZndmFkTXhWV1VkMjB4M2ZwSjZXMkQ4SmUwaUdGZGQzbXJWTm5pVnNGUHlKaWFFTlItbHhWSThIUURQc0dDYzB6UDltamNjdHFGOFBvZ2VJVERCR1FUUW0yZTQyNW9PdkZTdGxVbVJwdlZzbFBHR3Qyc1dmdTRycGdqNFVaNlk4Y1FQb3BjamY?oc=5) · Brownwood News
- 2025-04-17 [TexasBank eyes Decatur expansion, Barbanera back on the menu - Wise County Messenger](https://news.google.com/rss/articles/CBMipgFBVV95cUxPQ3doRElad1BoSkl6N2hybFE5VTRjWHl2clpzdTZtQjZ5U1l3eWIzcjBFV3Y3QTBSbWs2dEM2MkVPRU5rUDk0c1NocEpRTWlXUkc1eHE4OWY4Y1U2T3ZNMTRTNXFBMC1WTExaM01QNEw5d1ViOXBXQTA0cUpSZW01OWtCMjF6QUdZOTA5QktoRzQ2MTU4N3dhbE15aUxmNGtURnlCcGFB?oc=5) · Wise County Messenger
- 2021-10-16 [TexasBank merges with Texas Bank Financial - The Flash Today Erath County](https://news.google.com/rss/articles/CBMihwFBVV95cUxPd2xyV3dKeHU1ZzFKLWRhaWpOaXBtRU5uUTBHZmF1aUdYY09pcFRzd1B5b3VlQ0hwTE55S2pZR0xPX3pxMnhIUlpQdmttcGVYeThLMEd5dlA5cUhjcDhsN1l0cldOV2tQb3pPSHdCMHZDQ3V1X2VCMmMxVTFSRE41ajcxdzFOMXM?oc=5) · The Flash Today Erath County
- 2023-05-01 [John Belcher joins TexasBank as Senior Vice President – Commercial Lending - Brownwood News](https://news.google.com/rss/articles/CBMitAFBVV95cUxNWGR1dDFsMVZuOGpqYVM4MUtnVTc1d1c4YW5NRDVzNkJwSDVyc2RhV2V1ZURVOU5HcFJ4NERSTC1IUHlWUHNiN0VSTXFVSTBZbzhFa18wcUs2ZjBDMEw3a0g3bVp1dXdseDZBQmhVYjhWYXd6MzV2dnpWYWhqSGRVT1lHcVlJd1JoMFpfZGxTVFZGTVJPVEpzbFZ5dUFCbjlpdmJld25DVmJDeURycFhiSFdhcVg?oc=5) · Brownwood News
- 2024-08-23 [TexasBank hires award winning banker to Stephenville team - The Flash Today Erath County](https://news.google.com/rss/articles/CBMimwFBVV95cUxQdWlUMjZwS1I1bzVRUkpTOXY4eWgwX3VGVEpRX2M0UzFYTC0zV3AyYVN4cTJtaXgxYm9BXzZQcEtOOEVKWEtzUzZCQU81cEZzRjV0dG9rY3RUTFlpYkpjTExSZENSY0Nyak1TTnFYWkxPXzVzRUJaeHhjRS1FS2Y3cWpwWjRFcGthb1RCZHlvYVRxVTh2am4zQnRkNA?oc=5) · The Flash Today Erath County

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=19559 (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/39.json (key "19559", 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