# TREATY OAK BANK
AUSTIN, TX · FDIC certificate 22512 · asset band <$300M · latest filing 2011-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. 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 | $106.9M | |
| Deposits | $90.5M | |
| Loans and leases | $48.7M | |
| Total equity | $11.1M | |
| Loans / deposits | 52.02% (p18 of band) | 70.88% |
| Liquid assets / assets | 50.23% (p81 of band) | |
| Uninsured deposits / deposits | 7.01% (p45 of band) | 7.86% |
| Brokered deposits | 0.09% | |
| Wholesale funding | 4.77% (p61 of band) | |
| FHLB advances / assets | 4.68% | |
| Tier 1 leverage | 9.89% (p53 of band) | 9.71% |
| Unrealized securities loss / equity | 0.54% (p46 of band) | 0.79% |
| AOCI / equity | 0.35% (p69 of band) | |
| ROA (annualized) | -0.69% (p9 of band) | 0.66% |
| Net interest margin | 1.92% (p3 of band) | 3.79% |
| Efficiency ratio | 148.72% (p97 of band) | |
| Noncurrent loans | 0.02% (p11 of band) | 1.53% |
| Net charge-offs (annualized) | -0.11% (p4 of band) | |
| Reserve coverage of noncurrent | 18211.11% | |
| Real estate % of loans | 57% | |
| Construction % of loans | 38.38% (p67 of band) | |
| Auto loans | $1.1M (2.15% of loans; DQ 12.38%, NCO 0.06%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | – | |
| Employees | 41 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | losing money, expense ratio p90, NIM <2.5% |  |

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

- 2010-09-29 [Struggling Treaty Oak Bank to be acquired by Fort Worth firm - Austin American-Statesman](https://news.google.com/rss/articles/CBMimAFBVV95cUxNV1lLRzhVQVowZDM5QUNvNy1WZ2hxUmVDRndFS3lpWHdUTVMxQlBnZDRaUEpNX2pFX3FvYjJENWhUMzJQVkFpc0Q1U1cyeEZyUWF6UU5sRlVVWFo2UFViSngxaF9zSE5LVV9sTXpLZ3BIeVlLUDlwNkpqdGxld0g0M2J2b1pkVkVZV0lsVDhsVWF5c0hGM0c3bg?oc=5) · Austin American-Statesman

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=22512 (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/48.json (key "22512", 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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