# TEXAS EXCHANGE BANK
CROWLEY, TX · FDIC certificate 20099 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. 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 | $4.49B | |
| Deposits | $2.64B | |
| Loans and leases | $693.2M | |
| Total equity | $368.9M | |
| Loans / deposits | 25.86% (p2 of band) | 87.10% |
| Liquid assets / assets | 80.27% (p99 of band) | |
| Uninsured deposits / deposits | 1.30% (p1 of band) | 30.76% |
| Brokered deposits | 56.63% | |
| Wholesale funding | 88.17% (p100 of band) | |
| FHLB advances / assets | 31.40% | |
| Tier 1 leverage | 12.44% (p80 of band) | 10.50% |
| Unrealized securities loss / equity | -9.10% (p43 of band) | -7.75% |
| AOCI / equity | -7.11% (p0 of band) | |
| ROA (annualized) | 0.43% (p7 of band) | 1.26% |
| Net interest margin | 1.48% (p2 of band) | 3.70% |
| Efficiency ratio | 95.17% (p99 of band) | |
| Noncurrent loans | 0.00% (p2 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p15 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 14% | |
| Construction % of loans | 18.51% (p16 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 2.1% | |
| Employees | 32 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | brokered >10%, losing money, expense ratio p90 |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 2 |  | brokered >10% |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 3 | uninsured deposits leaving |  |
| 2012-12 | 2 |  | uninsured deposits leaving |
| 2013-03 | 2 | uninsured deposits leaving | expense ratio p90 |
| 2013-06 | 2 |  |  |
| 2013-09 | 0 |  | losing money, uninsured deposits leaving |
| 2013-12 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2014-03 | 1 | losing money | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2014-06 | 0 |  | losing money |
| 2014-09 | 2 | capital falling, uninsured deposits leaving |  |
| 2014-12 | 0 |  | capital falling, uninsured deposits leaving |
| 2015-03 | 0 |  |  |
| 2015-06 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2015-09 | 1 |  | uninsured deposits leaving |
| 2015-12 | 1 | loans exceed deposits | deposits shrinking |
| 2016-03 | 2 | brokered >10%, wholesale funding >15% | loans exceed deposits |
| 2016-06 | 2 |  |  |
| 2016-09 | 4 | capital falling, uninsured deposits leaving |  |
| 2016-12 | 2 |  | capital falling, uninsured deposits leaving |
| 2017-03 | 3 | uninsured deposits leaving |  |
| 2017-06 | 4 | capital falling, NIM <2.5% | uninsured deposits leaving |
| 2017-09 | 4 |  |  |
| 2017-12 | 4 |  |  |
| 2018-03 | 6 | noncurrent p90, reserve under noncurrent, uninsured deposits leaving | capital falling |
| 2018-06 | 3 |  | noncurrent p90, reserve under noncurrent, uninsured deposits leaving |
| 2018-09 | 3 |  |  |
| 2018-12 | 5 | capital falling, assets shrinking |  |
| 2019-03 | 4 |  | assets shrinking |
| 2019-06 | 4 | uninsured deposits leaving | capital falling |
| 2019-09 | 5 | assets shrinking |  |
| 2019-12 | 4 |  | assets shrinking |
| 2020-03 | 7 | AOCI drag >20% of equity, securities losses >30% of equity, losing money, expense ratio p90 | uninsured deposits leaving |
| 2020-06 | 4 | capital falling | AOCI drag >20% of equity, securities losses >30% of equity, losing money, expense ratio p90 |
| 2020-09 | 3 |  | capital falling |
| 2020-12 | 4 | uninsured deposits leaving |  |
| 2021-03 | 4 | capital falling | uninsured deposits leaving |
| 2021-06 | 4 | uninsured deposits leaving | capital falling |
| 2021-09 | 3 |  | uninsured deposits leaving |
| 2021-12 | 3 |  |  |
| 2022-03 | 5 | capital falling, uninsured deposits leaving |  |
| 2022-06 | 3 |  | capital falling, uninsured deposits leaving |
| 2022-09 | 6 | AOCI drag >20% of equity, securities losses >30% of equity, uninsured deposits leaving |  |
| 2022-12 | 5 | capital falling, assets shrinking | NIM <2.5%, AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-03 | 4 |  | capital falling |
| 2023-06 | 4 |  |  |
| 2023-09 | 3 |  | uninsured deposits leaving |
| 2023-12 | 3 | deposits shrinking | assets shrinking |
| 2024-03 | 2 |  | deposits shrinking |
| 2024-06 | 3 | capital falling |  |
| 2024-09 | 2 |  | capital falling |
| 2024-12 | 2 |  |  |
| 2025-03 | 4 | capital falling, uninsured deposits leaving |  |
| 2025-06 | 4 | assets shrinking | uninsured deposits leaving |
| 2025-09 | 4 | expense ratio p90 | assets shrinking |
| 2025-12 | 3 | charge-offs p90 | capital falling, expense ratio p90 |
| 2026-03 | 5 | expense ratio p90, NIM <2.5%, deposits shrinking | charge-offs p90 |
| 2026-06 | 4 |  | deposits shrinking |

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

- 2023-04-18 ['Something odd was happening here': Fort Worth bank president testifies in Onalaska trial over alleged Ponzi scheme - WFAA](https://news.google.com/rss/articles/CBMi5wFBVV95cUxQcU1qQ0ZZbkZMQVdwMUVZbUN4UjNEWC15WnFhLUV4NWxuUm1hU25pTVNMOGV0RnloeTMzTjN5OTJBTXJmU20tak13a0Z5cVp6c1V1T04zTXNPbmtmOGNnc0hQdlRNMmFYMkFIdGotQ0U3a3N0N0NjRmVjcWRLSU40ckI1UVJMVjlCVE9BOWNONnZ6SmVJWlhuX3Zyek9DSnl1dlFFQVpQNUdFVVdNbXJxbHhUTmVjLXZ1amtMUVVWOFJlOXJTaHBZamVycFJXXzMwWm5RYXZMdU5zblhWdkVnYjYwVFpRWVU?oc=5) · WFAA
- 2024-12-20 [Google Wallet supports 16 new US banks now - androidpolice.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNclpKM0FwMldQeUU2d29DMEp1UExpNmdVU0FsTHpRVnVhcW9Kb2pYTDZnV0QtTGlDMWhLcUY3X245bkRWSVU4OUlMM1RrUXZmV1dDU0lsS0RuaFA2WXZFMjJON055ZHprSmV0Z0dhT3A2a1hjdmhZbTV6OXVJLXFnTy1BMXg4Sk9oQldn?oc=5) · androidpolice.com
- 2013-09-08 [People: Sept. 9, 2013 - The Business Press](https://news.google.com/rss/articles/CBMiakFVX3lxTE9Yb1pxTVBqV3pLaWVYallqRXl1bzZjSTVJdlQ0cFI1Z2FNLXBxdE0zOEcydVFCYXNhajl4R25UcUtvOWduanpRSm9DOTExcVhWejlWREMyOHAzV0NQYmY1NEZRZV80blk1ZFE?oc=5) · The Business Press
- 2025-02-03 [Lincoln Property JV Delivers Houston Facility - CommercialSearch](https://news.google.com/rss/articles/CBMijAFBVV95cUxQdEV6S3p5d3lpX0ZxUEU1eXBVczRuQURnMEl2MTctcFlCS2ZDdjBIeXBwblNtUUZhVTY5dEtDRkRfblM2ODU4UHBCT1owSEQ0NG15WUduWTVLZEtPOHBxeEdSdVdTUlNCLTNvb2JSYjRYdmFSMVBmLTNkekhQcEJyMjVMdGVlYXpnSDhjLQ?oc=5) · CommercialSearch

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=20099 (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/3.json (key "20099", 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