# TEXAS BANK
HENDERSON, TX · FDIC certificate 21074 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. 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 | $953.9M | |
| Deposits | $824.0M | |
| Loans and leases | $699.4M | |
| Total equity | $101.3M | |
| Loans / deposits | 83.93% (p56 of band) | 82.04% |
| Liquid assets / assets | 22.11% (p40 of band) | |
| Uninsured deposits / deposits | 28.47% (p61 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.62% (p45 of band) | |
| FHLB advances / assets | 2.62% | |
| Tier 1 leverage | 10.61% (p47 of band) | 10.81% |
| Unrealized securities loss / equity | -0.58% (p89 of band) | -8.10% |
| AOCI / equity | 0.35% (p90 of band) | |
| ROA (annualized) | 1.20% (p45 of band) | 1.28% |
| Net interest margin | 4.40% (p78 of band) | 3.91% |
| Efficiency ratio | 64.93% (p61 of band) | |
| Noncurrent loans | 0.46% (p52 of band) | 0.43% |
| Net charge-offs (annualized) | 0.38% (p95 of band) | |
| Reserve coverage of noncurrent | 241.54% | |
| Real estate % of loans | 91% | |
| Construction % of loans | 209.96% (p99 of band) | |
| Auto loans | $13.4M (1.92% of loans; DQ 0.62%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 5.0% | |
| Employees | 194 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | leverage <7% |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 0 |  | leverage <7% |
| 2011-12 | 1 | leverage <7% |  |
| 2012-03 | 3 | capital falling, reserve under noncurrent |  |
| 2012-06 | 1 |  | capital falling, reserve under noncurrent |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 0 |  | leverage <7% |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2016-03 | 2 | deposits shrinking | noncurrent p90 |
| 2016-06 | 4 | noncurrent p90, uninsured deposits leaving |  |
| 2016-09 | 0 |  | reserve under noncurrent, deposits shrinking, noncurrent p90, uninsured deposits leaving |
| 2016-12 | 1 | reserve under noncurrent |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 2 | capital falling |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 3 | construction >100% equity |  |
| 2018-06 | 3 |  |  |
| 2018-09 | 1 |  | reserve under noncurrent, capital falling |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 | reserve under noncurrent | construction >100% equity |
| 2019-06 | 0 |  | reserve under noncurrent |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | reserve under noncurrent |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | capital falling |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 1 | construction >100% equity | reserve under noncurrent, capital falling |
| 2021-03 | 2 | reserve under noncurrent |  |
| 2021-06 | 2 | capital falling | reserve under noncurrent |
| 2021-09 | 1 |  | capital falling |
| 2021-12 | 3 | noncurrent p90, reserve under noncurrent |  |
| 2022-03 | 5 | capital falling, charge-offs p90 |  |
| 2022-06 | 2 |  | noncurrent p90, reserve under noncurrent, capital falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | charge-offs p90 |
| 2023-06 | 2 | charge-offs p90 |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 1 |  | charge-offs p90 |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 3 | noncurrent p90, reserve under noncurrent |  |
| 2025-06 | 2 | charge-offs p90 | noncurrent p90, reserve under noncurrent |
| 2025-09 | 3 | capital falling |  |
| 2025-12 | 1 |  | charge-offs p90, capital falling |
| 2026-03 | 2 | charge-offs p90 |  |
| 2026-06 | 2 |  |  |

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

- 2026-09-01 [Police: Suspect shot, killed by customer during attempted Texas bank robbery - KWTX](https://news.google.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?oc=5) · KWTX
- 2026-08-13 [Best Banks In Texas For 2026 - Bankrate](https://news.google.com/rss/articles/CBMiY0FVX3lxTE5PRmVqM2xyamY3ZmlKUEwxTE9QWUZZTzlQWDRQN2tsaGNUOVZxLU5vS1k5SW9hc0ZCVmFZc09INUllaklMU0tYX3dwSHA1UEdJaXJtMzFPZ0c0aEQyODk2aXlTaw?oc=5) · Bankrate
- 2026-02-04 [News | Fifth Third signs leases for 50 new Texas bank branches after buying Comerica - costar.com](https://news.google.com/rss/articles/CBMitgFBVV95cUxPMS10VGZaMzFJaFFLVU5YSjNQSGktbzlzSnJMYmlFNTZOd29oMFVrWVNPLVhsc3AwZVFETlNqSXF5OFNJcWdZQ0N0dncydm5MQXJGb0VDTFk3YXZRVVNTRU93N3Z5c3NUSkZuUEIwTWdrR09mMDJROHQwczdLdzRRcm1MVkdwakpwRmxLWl95X2h1V0o2SDk3N3gzc1VZXzhUcVhDWjh4ZFJFR1NGWHBQajNLVjhKZw?oc=5) · costar.com
- 2025-12-05 [2 arrested in connection with armed robbery at East Texas bank - cbs19.tv](https://news.google.com/rss/articles/CBMi2AFBVV95cUxNOXVwZWdkVUh6LTRxNk5kQUJIdWQyQUZ4SG16LXJLYU9tSHg5Z19hczU0QXBQZG9XQkh5dGNwdjYtRnc4TWdfMkgwSFpGRW8wYjdjbXJndzk4Sko4bUVkQ20zanlIYUpDUFZrcHBqRm50Q2dGTjRBOHFhakxOX0RYUkVzZExMdlJ0WmpGODh2d2ltU1M2eEVhYnZZM0FIa0RQUGZKek4tWVZWVmFQMDZvZThYLVh1TjdYamVZNWFLUnRhSDFPSlhpR1J3YVk3THFFRVZuQm80ZHA?oc=5) · cbs19.tv
- 2025-12-01 [Texas Regional Bank leases office in major downtown Houston tower to expand capital markets team - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQajRQb2J3MmNyaFJFYWFqWDV3MGV2NE1JdU95eWk2UnZnQUxnS0F6U25ZNHJ0eXBSS3NVSnZ6eHR5RkhXR1BBeVBEMnNsOEo0U1V2UkhGVVlmZF9UU0h1OG9pMVdkNUtBZThMZ1hhem44VkRIVDFBaDd6X1VQVVNIZXIxSkhMZ1hIcUZJTWdDUHJBRTlVVl9rSnJLX3FGa0NlMkpqMmV4MTZzbkE?oc=5) · The Business Journals
- 2026-04-14 [Historic TX Hill Country town scores $7M upgrade as newcomer moves in - mysanantonio.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxQMFNyajNYRjdIcE5IOHE4eHNKdk8zWWw4V2NjZHVSUWVhVVN1dVJhQUNaYVE5aGxpWXg3M1pQM1Iyc1ctZW9XYkpKaTJiMFJRU1ZyaE12TDZ6bXR4cExyU0tkX0k0cmRCekhMeEMyZS1LOWduYmU4ejFlS0Q3RWM4eThNMUUtZEgxSGR4QmNKb0o?oc=5) · mysanantonio.com
- 2024-11-20 [Texas bank holding company cited by Fed - Banking Dive](https://news.google.com/rss/articles/CBMihwFBVV95cUxQdzI3Z3hHX1ZWYjloT01jSm1VNmQwNU40WWJrcVNyckNvM3ZMeTQ1OElHcThqQnR0UkVvbFduYTFMVGtBRUhiV0NqTFRyUU12NW1wQlowYzBYcnBJWUtaVTBjQW80eW84LWFWX1EyYW84TFJ3cWl3ZkgzQUdVVWpWS0JvUG50c2s?oc=5) · Banking Dive
- 2025-06-25 [Glacier Bancorp to acquire Texas bank in $476 million deal - American Banker](https://news.google.com/rss/articles/CBMimAFBVV95cUxObW1xS3ZWcVE1bHNmM3hGSFU0TkJhQ0tCM3FXdVQ1Y1hheGlPQTFTRl9FVzM2Q3hmYU1DRURPekRGYVQ1VTBvT3FmVmtXR01yRUswbkdUZDlOUy1NcXVZZ1poQXY0ZEthcVhZWGs0SG9KTDUxSjh0YkxFYzlmdnhrU3pWRTFzT1p0VGY4a3UwRHdYT0VzRVRQZw?oc=5) · American Banker

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=21074 (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/18.json (key "21074", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide