# GRAND BANK OF TEXAS
DALLAS, TX · FDIC certificate 22040 · asset band $300M-1B · latest filing 2019-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 7 (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 | $341.4M | |
| Deposits | $323.6M | |
| Loans and leases | $261.3M | |
| Total equity | $15.5M | |
| Loans / deposits | 79.70% (p37 of band) | 84.98% |
| Liquid assets / assets | 19.52% (p38 of band) | |
| Uninsured deposits / deposits | 27.92% (p70 of band) | 21.58% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p8 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 4.63% (p0 of band) | 10.59% |
| Unrealized securities loss / equity | 0.00% (p68 of band) | -0.32% |
| AOCI / equity | 0.00% (p4 of band) | |
| ROA (annualized) | 0.11% (p3 of band) | 1.08% |
| Net interest margin | 4.97% (p96 of band) | 3.73% |
| Efficiency ratio | 100.08% (p99 of band) | |
| Noncurrent loans | 1.65% (p88 of band) | 0.51% |
| Net charge-offs (annualized) | -0.19% (p2 of band) | |
| Reserve coverage of noncurrent | 78.98% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 288.44% (p100 of band) | |
| Auto loans | $905,000 (0.35% of loans; DQ 1.22%, NCO 0.00%) | |
| Loans to nondepository financials | $2.9M (19% of equity) (p97 of band) | |
| Deposits YoY | 10.6% | |
| Employees | 65 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **capital falling** (`cap_falling`)
- **expense ratio p90** (`earn_efficiency`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | losing money, expense ratio p90, reserve under noncurrent |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 5 | capital falling, construction >100% equity |  |
| 2011-12 | 4 | leverage <7% | expense ratio p90, reserve under noncurrent |
| 2012-03 | 3 | expense ratio p90, reserve under noncurrent | capital falling, construction >100% equity, leverage <7% |
| 2012-06 | 2 |  | reserve under noncurrent |
| 2012-09 | 3 | capital falling |  |
| 2012-12 | 2 |  | expense ratio p90 |
| 2013-03 | 1 | uninsured deposits leaving | losing money, capital falling |
| 2013-06 | 1 | construction >100% equity | uninsured deposits leaving |
| 2013-09 | 1 | capital falling | construction >100% equity |
| 2013-12 | 2 | construction >100% equity |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 1 |  | capital falling |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 2 | reserve under noncurrent |  |
| 2015-12 | 3 | capital falling, charge-offs p90 | reserve under noncurrent |
| 2016-03 | 2 |  | charge-offs p90 |
| 2016-06 | 2 |  |  |
| 2016-09 | 1 |  | capital falling |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 2 | capital falling |  |
| 2018-09 | 3 | noncurrent p90, reserve under noncurrent | capital falling |
| 2018-12 | 2 |  | noncurrent p90 |
| 2019-03 | 7 | leverage <7%, leverage <5%, capital falling, expense ratio p90 |  |

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

- 2023-08-17 [DFW Bank Snapshot: Take a closer look at Oakwood Bank - The Business Journals](https://news.google.com/rss/articles/CBMimwFBVV95cUxQLUhHNEFGWTRVY1FubzJYWFhKUndxNDE0SGxrdUU5T29US0VfTUhyTmk3VGRrY3lWdVhLaWRmbUo4QU90aFptZ0dwM2lIYkZHc1pPY25iOWhsX000ak1nQXd5enB0TW1rRjVHVnp4TGJIcDh2TDU1MW01SzNSdWRuYmJfNUtmbFZJMG9wQ05KdXZsM1cxblE5bXJCcw?oc=5) · The Business Journals
- 2019-04-01 [Marble Falls high jumper Kason O’Reilly fifth at Texas Relays; several local athletes compete - DailyTrib.com](https://news.google.com/rss/articles/CBMiyAFBVV95cUxQb3BHaVZRSzludHNhWi1vdm51c2RpQldBS0x6SHFCeE9IeVcyNXlHVkdmOXZ0S1ZtWXMyOXlieGNJVnBZX1ZJMXU2eFZWa1FFTHRYX3lMM0JnanNnSmZRNnQ3RHRzczFITDZuUFlaTzE3OXVKeWhQUWRJUC10TWhMNWRoaTFJXzh3clJYb1pVb29tUVZlVVA4cFBTY0ZrNjJCZlM1R05iTC12cWJiLXI0aXhVbXBTS3RMVkFrR1VTYktHSUF4S0ZfMg?oc=5) · DailyTrib.com
- 2008-10-17 [Cole Dylan Berardi Obituary Oct 17, 2008 - newhopefh.com](https://news.google.com/rss/articles/CBMiXkFVX3lxTE5HVUp2ZUt1QmxlVEFfUHNqeVlqWmo0c2htNGs2dFFHUWxkYjVReGVjazF4UjVUVzVBeGh0d2VaRi1YWWg1ZDhGbVVoOFhOTXdSTExQR1drY0lRUWQ4bkE?oc=5) · newhopefh.com
- 2006-07-18 [Wilton Carter Obituary (2006) - Dallas News](https://news.google.com/rss/articles/CBMiogFBVV95cUxPY2xHLUMycWJCWEppa20tNjNtN1ZMNFZmVmM1bkI5bXB0Y3dQV2EzbXBlX2l1NmpLZHYtWUMyS0NpcnhxZndFa3ZPbVdWejNiQUJkR2JLcXljclpyR0NYcS1BdHl4WEpNY1BIMnh1TVk2YzdyMXhwLTBpVGxIQ3FJdXVkUnNNYWx1aXFqeDVMWU5Ec2w0WVhxc0pmYmxDUVdObGc?oc=5) · Dallas News
- 2018-10-02 [Here are all of the banks that currently support Apple Pay - iMore](https://news.google.com/rss/articles/CBMid0FVX3lxTE9ZY3JkQUdrNTNjWmMzVFk2QXBlWExaRnI3bjVsQ28wVlFRWUc5TEVWMm5TWkZ6RmtKTTNZRUhKbExyS25yb2pnRTc5VklBeW13Mzk0aU9MWVNGbHpiMDJUM1pfOVFvdFhCdGpNLUJQVG9ybXYzNlc4?oc=5) · iMore
- 2014-11-01 [Douglas Chaney Obituary - Grapevine, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMihAFBVV95cUxOcUFIQXZHTEVQVUgxOGlQUkt3TG90THV1N3E1Uzc4TGNiX0hjYm9SMU50Z2tMTENPU0paa3Vua3J4clYzWUZoc1ltRW5OZ0NoRl9haEo1UHFLWG5ORVNUM0hhd2F6ZkJaME5JYTFBVzR5TGVROVkyUTl1OVd6b2dHemRpZkw?oc=5) · Dignity Memorial
- 2004-12-28 [Bradley Chapman Obituary (1974 - 2004) - Grand Prairie, TX - Star-Telegram - legacy.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxNNnlLMWdfeWdmemU1QUlJT2dGRGhQSGE2SUlzOURFOVp0NE84VWJrNkN0Qmg3WVJ2aldWUTlselEtakpKWTFGdngtTHB5Yk1JX1lFdFFKaWVwb2YxQUxnOUgwNXRrQkNrSl9GS0lUYThDcFdjNHpSc2tzMWgyZ2F3ZU5oNlRTTTYzZkE?oc=5) · legacy.com
- 2013-03-20 [Not your Trophy Club Tuscan - Oak Cliff Advocate](https://news.google.com/rss/articles/CBMieEFVX3lxTE02RzB0b25Od2VZaXRCUTd0UHNCdXFqSnktd3lLUlloRHdMemQxNzdHSlZLbE4wa0ZBZHhVV0dqR0huN1U5aTBPX2xsS2NaaUV5SHVGdlp2SVFoRnkwc0ZOaFNzU1FzOFZrdzg1S2xkVTM1ZFFkUEpWTQ?oc=5) · Oak Cliff Advocate

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=22040 (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/24.json (key "22040", 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