# NORTHSTAR BANK OF TEXAS
DENTON, TX · FDIC certificate 20935 · asset band $1-10B · latest filing 2012-09 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 2 (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 | $1.02B | |
| Deposits | $870.3M | |
| Loans and leases | $556.9M | |
| Total equity | $136.6M | |
| Loans / deposits | 63.98% (p22 of band) | 78.16% |
| Liquid assets / assets | 35.59% (p68 of band) | |
| Uninsured deposits / deposits | 32.69% (p85 of band) | 17.84% |
| Brokered deposits | 2.22% | |
| Wholesale funding | 2.76% (p20 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.29% (p43 of band) | 9.63% |
| Unrealized securities loss / equity | 0.46% (p15 of band) | 4.44% |
| AOCI / equity | -0.63% (p5 of band) | |
| ROA (annualized) | 0.26% (p12 of band) | 0.92% |
| Net interest margin | 1.08% (p4 of band) | 3.65% |
| Efficiency ratio | 68.26% (p61 of band) | |
| Noncurrent loans | 1.64% (p48 of band) | 1.75% |
| Net charge-offs (annualized) | 0.03% (p15 of band) | |
| Reserve coverage of noncurrent | 0.76% | |
| Real estate % of loans | 78% | |
| Construction % of loans | 52.70% (p76 of band) | |
| Auto loans | $4.0M (0.71% of loans; DQ 1.41%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p39 of band) | |
| Deposits YoY | 5.8% | |
| Employees | 207 | |

## Flags firing in the latest filing

- **NIM <2.5%** (`earn_nim`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 1 |  | reserve under noncurrent |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | capital falling |  |
| 2012-06 | 2 | reserve under noncurrent | capital falling |
| 2012-09 | 2 | NIM <2.5% | construction >100% equity |

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

- 2025-02-04 [The Fiscal Impact of Credit Unions Purchasing Bank Assets - commonsenseinstituteus.org](https://news.google.com/rss/articles/CBMixAFBVV95cUxPbzZ6aHBNZklIRUJXUXN5ZHlmNnlWUkNrZjlQaGJOOTVrVjg5XzBUV3pvcWlxTzFGb3F5bW81YWt6MHp4aGp0ZkVxZms2QVo3T180bW5BdE9kclByQkRYTFJ2ZlluU0pxdHZMbkc5clQ2VE5IcnpVV2FaN041dnlyWk9mbm9iUTZ2dFh2MU9IVGhhMGhnVVVjTlNWMUV2ejdjSkxoNG1KWHVobUhFZm9XN0p3dWt4czFNU3dFZE0xcGdGVEho?oc=5) · commonsenseinstituteus.org
- 2023-06-13 [Camden Hughes Obituary (2005-2011) - Irving - Dallas News](https://news.google.com/rss/articles/CBMiogFBVV95cUxPT1lEWEZfWlFNbmlJSHhpSmRidnJlZElvUzBDWDI1a0xwVFlBSFdzc1VSWkMtYzlBY2JLMW8zdGt1NDI1ZmlUcjQ1Q0I1TlBpUWZNbWpUVEd6akNFX0RzUHhUTmtjWFFQdHZzaEVWdEgwUExET2ZERERtMlFnSWNwVENjSEE0ejJQRXQ5bGJ6MlVfdGt3N2I3LWx4U25Dblp4RGc?oc=5) · Dallas News
- 2015-05-26 [DeLay Middle School eighth grader named April student of the month - starlocalmedia.com](https://news.google.com/rss/articles/CBMi-AFBVV95cUxPTWNNWWhsaUpMUFBsWFlGVzRzbTdZQTVfOUlMaW1jSnpTOVJWRzB4bmNKN0tQWkdQNFF5Rk1ENnF4UjFkQ0hnYXp2SlR1Smk3VWlhcjQ5aXFmaWptUjFyRWoxSVdISkgyTUJtTThockVKTHA1ZW5COE1pVUZMNVVHTXRERWxoOFZUM05GSFo3WThWaGVnWVRmSVZqN25NcHp0V2FDY1lYX3BySklKZ3p1Rk5tRHY0UXNVNjVVcU5ZemljSUtXeGp5cjlSNy01ekFOYUhZeHZmU1F1aTAxalpyS2tTSUJkNGgzMVFHd0xBRmxLbWpuYjdPMg?oc=5) · starlocalmedia.com
- 2022-05-03 [Leah King: Great Women of Texas Legacy Award - The Business Press](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQOGt5NWVNRFgxYklidWJFeXlxMUpBZC1Bb1hBQXJ1MURlN0p5dTNCQXhCU2MtVnZ6MEVnUld0YkFSMnUtTVFXSWd2MjBEYnBxaHFiVmdOZzlPakJMMnZuTU1xUmV1Mm5UNlVTbVBLWVhPS1pLVEdYVU9hMWJJZnFGY2R0WFFKcjY3SGFN?oc=5) · The Business Press
- 2022-06-27 [EnLink Midstream Has a New CEO - D Magazine](https://news.google.com/rss/articles/CBMiigFBVV95cUxPWHJTcW1xUF9yWWhORzBDcFd4OXY5MFhQUWFGZ1lHa2xPTG85Yk5xMTVYMURONExmbEtudW1oaHktNWdDZE1tUjBQLXd3SGVfNl81TDhPTWg4UWJlek85X2I1SmZSQmFpNGxWWHlZUW92VVpSV1ZINkhCQzl0MkgwenVDYWcxSzhqcXc?oc=5) · D Magazine
- 2018-11-16 [Local philanthropist puts others Furst - crosstimbersgazette.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxPTk01OE9DYTM5N0NReTRDb2l3ZlkyVFk0amt0MDhuSFJBVVFxcGRrTndyaFktNi1qakhqU3hTaHg3WWNDZkl2V2JSYmY2SF9aRzdSMGFOb1QxNkRtcFBVSzBZbDNzZjN4Mks0TGpzMkEwR1VjLWpoQ29wVnBsdlY0VnBVLXlWbnFzMElQaFZuSQ?oc=5) · crosstimbersgazette.com
- 2016-02-18 [Purple Power - Fort Worth Magazine](https://news.google.com/rss/articles/CBMiS0FVX3lxTE1hYzFoQUxFZWZpbVZpOEFxT1VQRUN4M21DbzNreWlmTVpEdG9TYUhCZ2hkVkVBa0JCYnN3aHFFeDZhNzdrZjJCN3B4RQ?oc=5) · Fort Worth Magazine
- 2006-11-23 [Louis Drozd Obituary (2006) - Denton - Dallas News](https://news.google.com/rss/articles/CBMinwFBVV95cUxPc1RKeklhMVRmT0pXRDFucmpJbU9za1huTlNkTWxIZDJPZmhycW5sMTBobUV3WEltOGZ6OGFORFJkdUJmNzJQM2xyNWF5Y2QzcEVPcUN3ZWExcGtNM0NOUmxuQ3VHNExLQ0lUelc0ZEZFMXBncjVKTEFLWXBGQ0tmZE1Jam5PLWl4ZlBUN0N6NHdBMzJLZlRUd0VodFFWT0U?oc=5) · Dallas News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=20935 (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/7.json (key "20935", 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