# SPIRIT OF TEXAS BANK SSB
COLLEGE STATION, TX · FDIC certificate 22327 · asset band $1-10B · latest filing 2022-03 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 3 (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 | $3.22B | |
| Deposits | $2.81B | |
| Loans and leases | $2.38B | |
| Total equity | $360.6M | |
| Loans / deposits | 84.16% (p73 of band) | 72.64% |
| Liquid assets / assets | 19.43% (p18 of band) | |
| Uninsured deposits / deposits | 45.47% (p75 of band) | 32.22% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.17% (p36 of band) | |
| FHLB advances / assets | 1.17% | |
| Tier 1 leverage | 9.53% (p52 of band) | 9.47% |
| Unrealized securities loss / equity | -15.64% (p36 of band) | -11.11% |
| AOCI / equity | -6.27% (p50 of band) | |
| ROA (annualized) | 1.42% (p80 of band) | 1.02% |
| Net interest margin | 3.93% (p92 of band) | 3.08% |
| Efficiency ratio | 52.40% (p22 of band) | |
| Noncurrent loans | 0.18% (p34 of band) | 0.31% |
| Net charge-offs (annualized) | 0.11% (p92 of band) | |
| Reserve coverage of noncurrent | 386.54% | |
| Real estate % of loans | 79% | |
| Construction % of loans | 122.53% (p94 of band) | |
| Auto loans | $921,000 (0.04% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $38.5M (11% of equity) (p91 of band) | |
| Deposits YoY | 7.1% | |
| Employees | 349 | |

## Flags firing in the latest filing

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

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 2 | capital falling, reserve under noncurrent |  |
| 2013-09 | 1 |  | reserve under noncurrent |
| 2013-12 | 1 |  |  |
| 2014-03 | 0 |  | capital falling |
| 2014-06 | 2 | loans exceed deposits, reserve under noncurrent |  |
| 2014-09 | 1 |  | reserve under noncurrent |
| 2014-12 | 2 | deposits shrinking |  |
| 2015-03 | 2 | construction >100% equity | deposits shrinking |
| 2015-06 | 3 | reserve under noncurrent |  |
| 2015-09 | 4 | capital falling |  |
| 2015-12 | 2 |  | reserve under noncurrent, capital falling |
| 2016-03 | 3 | reserve under noncurrent |  |
| 2016-06 | 1 |  | loans exceed deposits, construction >100% equity |
| 2016-09 | 1 | construction >100% equity | reserve under noncurrent |
| 2016-12 | 2 | capital falling |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 1 |  | capital falling |
| 2017-09 | 3 | loans exceed deposits, liquid assets <10% |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 3 |  |  |
| 2018-06 | 3 |  |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 0 |  | construction >100% equity, loans exceed deposits, liquid assets <10% |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | reserve under noncurrent |  |
| 2019-12 | 0 |  | reserve under noncurrent |
| 2020-03 | 2 | reserve under noncurrent, construction >100% equity |  |
| 2020-06 | 3 | loans exceed deposits, capital falling | reserve under noncurrent |
| 2020-09 | 3 | liquid assets <10% | capital falling |
| 2020-12 | 1 |  | loans exceed deposits, liquid assets <10% |
| 2021-03 | 0 |  | construction >100% equity |
| 2021-06 | 1 | charge-offs p90 |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 0 |  | charge-offs p90 |
| 2022-03 | 3 | capital falling, charge-offs p90, construction >100% equity |  |

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

- 2021-11-29 [Everything’s Bigger With Texas (Lance Turner Editor’s Note) - Arkansas Business](https://news.google.com/rss/articles/CBMingFBVV95cUxQdDRGbFdIcmpUd1lnemItTGZiN3hkY1NRS2gxQVdlTnFjdWdoVFdWeDJGVWRoaGlNaUZqSHRvd255M1BfNmdVeHduS3dEY3hRU2lfSzBGTndSdWs2V29DZFJjTm1BUExBcDJaX2loT1l4WW9scWJxTnJTMXFNdFpIOTV3WS1EZElLQUdGakRybWhtMDZaRE1PY0FsWlpaUQ?oc=5) · Arkansas Business
- 2013-12-13 [Regulators Close Texas Community Bank - NBC 5 Dallas-Fort Worth](https://news.google.com/rss/articles/CBMihwFBVV95cUxQYUhGTXJ4a3hFQ2NLLVhTNmVhcjgwU1d3eEE3NlpuQlF5VllYOTVya0YyS1VUVkNDeGdpUU5MekU2WHBrME15VGZ4Q0Z3ZVhpTVR4LWN1cUpCZVdZdUd4RGkzZ3FLUGEyNi0zR1NZTkFheDZnc0lGd1BPc3RWQldxWjAtX0xxMmfSAY8BQVVfeXFMT2hsRktNbFZYOEJTc2N3N05KczNWUHM4ZWpQYnZmSEJrYng1VVhoUEVOelZiSEN0b1FzdEFteERsc1JHdGlRbk54eUdzQ0tCSnZWMzBrT0l1SHFpM2I2cTZPR1FWWEJtbFNCVm9MZTUxWm05NUQ4a0x2QXR3bUhVSGYyZVg1b191T3RHZTdKVFk?oc=5) · NBC 5 Dallas-Fort Worth
- 2021-10-26 [Baton Rouge-based bank to enter Houston market with acquisition of Texas Citizens Bank - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQbHIwcXVmTXg3dW1ibE5Hbm4xRUlGcUdmM09Eb3BpMlB0QjZnMFA4NW84dDdtQkZnRVRjTWhjdThfdGYwN1JBZThyVlByN1g1ZDBjOHhWTE5DVEljdE1ValBudFRpZmNDamlWR1czanNkbUhmakt2XzUxbjZCRElvMEthMk1CQjZRY2xRVDJGLWNYa1pySXU1aEM3OWEtQUhjXzh3QnEwQ2VLdw?oc=5) · The Business Journals
- 2024-12-04 [List of Recent Failed Banks in the United States (2023-2024) - Norada Real Estate Investments](https://news.google.com/rss/articles/CBMia0FVX3lxTE4zaWFvQzhqc24zdE1QZ1haYnk2b1NsLWxONmNTTV9jVldzbjZqLUM1NV85U3dyaENaUGhWVm0wdllpUlNMZlIteHExdVUzS0JTdXlRWTJiUGJfaEtZSk5wcWhNNG1ZS0U5Y0Vz?oc=5) · Norada Real Estate Investments
- 2016-04-18 [The Winslow Report 4-20-16 - Colorado Real Estate Journal](https://news.google.com/rss/articles/CBMiWEFVX3lxTE1VRnNSZmdNa0tEMVNYRlRMNU1QbXlwOTJRWkR5ZTdlU1ZqcUJsOXlmdFhhOERpMGF3ZFRuUmd1YWVrai1FZ0dfWk1xRnBXRXY2S0lTZkN0Nmg?oc=5) · Colorado Real Estate Journal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=22327 (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/55.json (key "22327", 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