# AMERICAN BANK OF TEXAS
SHERMAN, TX · FDIC certificate 20473 · asset band $1-10B · latest filing 2016-09 · stopped filing (departed)

**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 | $2.38B | |
| Deposits | $2.02B | |
| Loans and leases | $1.57B | |
| Total equity | $354.8M | |
| Loans / deposits | 76.40% (p26 of band) | 88.75% |
| Liquid assets / assets | 29.25% (p72 of band) | |
| Uninsured deposits / deposits | 9.95% (p10 of band) | 25.63% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p3 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.84% (p93 of band) | 9.74% |
| Unrealized securities loss / equity | 2.60% (p58 of band) | 2.06% |
| AOCI / equity | 0.96% (p53 of band) | |
| ROA (annualized) | 1.52% (p90 of band) | 0.96% |
| Net interest margin | 3.94% (p81 of band) | 3.47% |
| Efficiency ratio | 49.59% (p11 of band) | |
| Noncurrent loans | 0.70% (p57 of band) | 0.62% |
| Net charge-offs (annualized) | 0.00% (p28 of band) | |
| Reserve coverage of noncurrent | 196.72% | |
| Real estate % of loans | 90% | |
| Construction % of loans | 111.97% (p96 of band) | |
| Auto loans | $2.4M (0.15% of loans; DQ 2.93%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p36 of band) | |
| Deposits YoY | 6.9% | |
| Employees | 447 | |

## Flags firing in the latest filing

- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 1 |  | reserve under noncurrent |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | capital falling, reserve under noncurrent | construction >100% equity |
| 2012-06 | 1 |  | capital falling |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | uninsured deposits leaving |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 2 | capital falling | uninsured deposits leaving |
| 2013-12 | 1 |  | capital falling |
| 2014-03 | 1 |  |  |
| 2014-06 | 2 | construction >100% equity |  |
| 2014-09 | 0 |  | reserve under noncurrent, construction >100% equity |
| 2014-12 | 1 | construction >100% equity |  |
| 2015-03 | 2 | reserve under noncurrent |  |
| 2015-06 | 3 | noncurrent p90 |  |
| 2015-09 | 3 |  |  |
| 2015-12 | 2 |  | noncurrent p90 |
| 2016-03 | 1 |  | reserve under noncurrent |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |

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

- 2016-06-23 [American Bank of Texas partners with First United Bank - North Texas e-News](https://news.google.com/rss/articles/CBMibkFVX3lxTE5weFhDUkhMNFpCbm5kaW9Na0N4OTZFTjVMWjQyeGthdGlab2Vrbmc2cVZVZHFhN3ZTa1hvcmZDU0tGdHlfWjRDQWFoakhjVXk3c2NHakpXa2tUMU9ZNEJuZUt1LW11aTdlX3ZmRkdn?oc=5) · North Texas e-News
- 2016-11-14 [First United, American Bank of Texas complete merger - The Business Press](https://news.google.com/rss/articles/CBMilAFBVV95cUxNVS1yWEJ2UlcyU3p3Y0lvVTl5VGtEX3Y0TWxYUXRXV2c1ZHY2WWg2NnVFTWthSzNtYlptLUVzRV81WS1uWldPUWY5UUNsWHRhUDlOUFJEM19SSS0zR0l6T0NSX0p0QTZkcTlpNHhtTFU2MUwtN25aV0k3M19ncjhxbjNyTXM3V0Etb0VwclBtZmJfRmdk?oc=5) · The Business Press
- 2016-12-27 [Lacy Harber settles American Bank of Texas lawsuit - KXII](https://news.google.com/rss/articles/CBMioAFBVV95cUxPSmJWVzB0ai1TS3pQbmhnZS1UODRnOC1BNFZSYWpLNF9uQjlPbk5HcDVqeUxwUGxtQlhTTHA4aHlTaGpGaHlReENDck9nN0ROZUJRQ3MtS0xOc0lPY1ZQQXBLV3RmWm04MnloeUN2RnMyeVpHTnNsVy1hRW9MdG50MDVMUGs3N2liSmt3SXFFNWpOcm16MVd6RG5nUXBibzlv?oc=5) · KXII
- 2018-03-15 [Donald Copple Obituary - Marble Falls, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMihwFBVV95cUxPckhUZ1ljcFhoal9pMHBEbUNsSHFlTzJZcjN4anp4Q0ltVndoTE5sWWFNWEg5bWZKNVpUa2VpeFByNE9DTUZhaEVkaG1hYmJWUHJYRDQ4RjBhUE9ka3F0VjNoUTJxOHN0SXBmZUM2aVdPZzM3ZTNvVVR5VXlCeElSYnlKdG9MUVE?oc=5) · Dignity Memorial
- 2024-07-16 [Carol Cooper Obituary (2024) - Sherman, TX - Waldo Funeral Home - Sherman - legacy.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxQWWxvQ1NTYWZidUNnLTA2TTVoX0tUZWVpUDJkenVaVklNWGhIdG9fbjUwbE5hSWQ2YUZnZXJBSTBma3YwMnpoVGlNUWEzWXc2R2Y3U0JLQkV6R3pzeWdxS0cyQ1Brb00zTmtXeDhIejNGUGU1TGRiVk9BUHdoZWNaOA?oc=5) · legacy.com
- 2016-09-15 [Bonham City Council supports National Recovery Month, moves forward with wastewater treatment plant improvements - North Texas e-News](https://news.google.com/rss/articles/CBMibkFVX3lxTFBvLU5YZnJzamdQRG1pZGV1Ym1OYjVQZVNfTy14OUxJTXp3OFFySGhQdUkyWF9kYXhnLV9XdlFiU0VCUXJmb1V3VFpyd3E2MWJBTUNBUDVUYzJvcGtlMWItMURMWW1UbXp5UDRRLXVR?oc=5) · North Texas e-News
- 2017-06-09 [Carl Frietsch Obituary - Denison, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMigAFBVV95cUxOUDZURWxtWDNxM1B3cDZDT0pCbVVYVVMzYmNMWE92dEpyWjJPQ3dlVkRMTnJURzFrbHVaNUxhbzZEa2liTS04N0tnTENCOWQ5cDAybHVhUnVTV0RmMnJEaXpTMGlVRHNHcmVzMlB1WmZ3RS0zTDVQTHF5ekZ6Y25PMA?oc=5) · Dignity Memorial
- 2010-04-02 [Maurice Larrea Obituary (2010) - Austin, TX - Austin American-Statesman - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxQOXRJVWRSb2VfMVZsWmpsMTdzVU12dks4YTZFUEREZVVDdUFvOFA1NzZORWRCd1Jhb211SEU1c3lGakM0LUw4S0NLcTlCeWUydks2eng4ZmdVZ2t6QWF6dGt2ay1xQmxZWndqdEVxWGVZaDJIZU9id1plUkUwNXJqUU1uT1JGd2xJYzh2SUl6UG8?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=20473 (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/57.json (key "20473", 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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