# COMMERCIAL BANK
MASON, TX · FDIC certificate 19595 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (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 | $114.6M | |
| Deposits | $99.1M | |
| Loans and leases | $44.6M | |
| Total equity | $10.2M | |
| Loans / deposits | 44.50% (p15 of band) | 73.59% |
| Liquid assets / assets | 58.67% (p86 of band) | |
| Uninsured deposits / deposits | 24.75% (p67 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 4.27% (p70 of band) | |
| FHLB advances / assets | 4.27% | |
| Tier 1 leverage | 9.95% (p23 of band) | 11.76% |
| Unrealized securities loss / equity | -17.89% (p26 of band) | -6.57% |
| AOCI / equity | -1.55% (p17 of band) | |
| ROA (annualized) | 1.56% (p71 of band) | 1.17% |
| Net interest margin | 3.72% (p39 of band) | 3.93% |
| Efficiency ratio | 51.18% (p16 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 85% | |
| Construction % of loans | 25.25% (p60 of band) | |
| Auto loans | $337,000 (0.75% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -1.3% | |
| Employees | 12 | |

## Flags firing in the latest filing

- none

## 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 | uninsured deposits leaving |  |
| 2012-09 | 0 |  | uninsured deposits leaving |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | uninsured deposits leaving |  |
| 2014-06 | 0 |  | uninsured deposits leaving |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | capital falling |  |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | capital falling |  |
| 2017-09 | 0 |  | capital falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | uninsured deposits leaving |  |
| 2019-12 | 0 |  | uninsured deposits leaving |
| 2020-03 | 1 | AOCI drag >20% of equity |  |
| 2020-06 | 0 |  | AOCI drag >20% of equity |
| 2020-09 | 2 | capital falling, charge-offs p90 |  |
| 2020-12 | 0 |  | capital falling, charge-offs p90 |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 | uninsured deposits leaving | securities losses >30% of equity |
| 2024-12 | 1 | securities losses >30% of equity | uninsured deposits leaving |
| 2025-03 | 0 |  | securities losses >30% of equity |
| 2025-06 | 2 | capital falling, securities losses >30% of equity |  |
| 2025-09 | 0 |  | capital falling, securities losses >30% of equity |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2026-06-18 [MidFirst Bank to buy Dallas-based commercial bank - Banking Dive](https://news.google.com/rss/articles/CBMipgFBVV95cUxPMGdwUEJlNVFPay1tLUs5NlM4cUlmUGtSYW8zNDA2aXp0VG1LbGRlRUJETThFcURyb3JJRnZYVmNKbjFzcVVSem1WQjFZU25OOEVOTWdhMnYwRW9FemZmOEhLMXpIZ2NMZXM3S0lXV21xcDZXT3R0MVJjT1A5Umh3dmw0eFJGczkzbVN2OHI3bmQzWUJGYTVlRHp4eTg1aFJUYkJMLUd3?oc=5) · Banking Dive
- 2026-04-21 [Huntington Bank Expands Commercial Banking into Austin - PR Newswire](https://news.google.com/rss/articles/CBMirwFBVV95cUxQUVpBRk5jOGE4NHYxLXRKQ3hEOU8xUTZ0bGZQQnNtYjlvbHVxeW9Vd1cyenFDeVludUdQQkZtS0c5cW80dmhBa2pJbXZ4YWUtQkxVYjRXMHU2QmJrZFZhRVEzc0x5eXY4V0lKUDI2T0dZbjZJX0JnZmR0T1lXZnNmRXkxM213VEEwUWRmQ2xXdWwtb3ZUaUphUHBpUEpPYWdjeDNCT0ZvY1FJaEE4dXpv?oc=5) · PR Newswire
- 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
- 2026-02-13 [Commercial Bank of Texas Celebrates 125 Years of Community Banking - Community Impact](https://news.google.com/rss/articles/CBMiswFBVV95cUxQSUxka3JVc1YwVkxzYUJhcnNfTmNFTDU2cENXTlE0SHJGdnJDanBwUER1X2JUMzRic3VmMllqejJ0Y2wwMUYwLVZJVnA0OWQwanpCeXJPQm9xRklPRXZ0LWRZVllqREZhRU1QSEY1OWZWbWJrUHZKLUdObDBJbHdOSTEySHkycmZzdHdqSnUzQXJ1ZXJ6dEhTZmVsY0dlSFd5dUtUaFc2dHljZEhXT1lUUUc1RQ?oc=5) · Community Impact
- 2026-03-17 [Huntington Bank’s commercial team eyes expansion in Houston after acquiring Cadence - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxQX0U1MUExQVo3SEhucVBfM0tENG5xYlhOZnZiVk5MQXNWYnpKM2hMZFJtS2lmLThOcHZQd2R6WXBFRlpFVmhoczlfdmRyMTFDYWh5TENDS3Z2eEtlb1NTR1FRWDNmN3EzblJDRFY5cDNQeVAyZDdDekZZeDhDMDhtX3U4eHpnY1lTdDA3TzFsWGlBX1FsNjFrdVRwS3dBWmVKSk5NSUN3?oc=5) · The Business Journals
- 2026-05-29 [Scotiabank expands presence in the U.S. by buying Texas bank - Yahoo! Finance Canada](https://news.google.com/rss/articles/CBMijgFBVV95cUxOMndScDBiU2I5cC10dkVEeXVERG5EdFJzQ0pfVHBnNnR3WDdOY0xlcUhKMUx1bGJtQTBLWG1PNHY3S29tYU5SRTZzVW5vZ2QyWkw5bmlXckRlSnlXYTVRel8wTXJxRjY4ZDUzaW9RWkw0QkgzSTF5MHQyNVhvTVZ1c3ZEZlZTTlZ6Mmt2RnVn?oc=5) · Yahoo! Finance Canada
- 2026-06-29 [Capital One aims to be ‘steady partner’ amid Texas consolidation - Banking Dive](https://news.google.com/rss/articles/CBMiowFBVV95cUxPV1JyU2IxM3hoUWI5a0hPV3U3bXNmTllxUjdJc3RoYVlRU0NCWUFBQV9PMV9KS282a29td2FLcW1pekN5cHFTRjZ0cVFIbXlWRUJkcXpKeUtUUkstMV82bVJTSnYyb1Zka1NiRWp5aXhmTlQwVFRId21CRkdqNDFMZFk4dURZdVN3aWd6UWxUUkRSTzVFQm1FcHVJdEFfZ2hqc1FB?oc=5) · Banking Dive
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=19595 (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/11.json (key "19595", 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