# TRADITION BANK BELLAIRE
HOUSTON, TX · FDIC certificate 23032 · asset band $300M-1B · latest filing 2015-12 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 4 (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 | $547.3M | |
| Deposits | $489.2M | |
| Loans and leases | $252.7M | |
| Total equity | $49.6M | |
| Loans / deposits | 50.77% (p8 of band) | 82.78% |
| Liquid assets / assets | 50.13% (p91 of band) | |
| Uninsured deposits / deposits | 18.05% (p40 of band) | 20.30% |
| Brokered deposits | 0.04% | |
| Wholesale funding | 0.89% (p19 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.64% (p13 of band) | 10.05% |
| Unrealized securities loss / equity | 5.27% (p93 of band) | 0.46% |
| AOCI / equity | 0.57% (p93 of band) | |
| ROA (annualized) | 0.05% (p3 of band) | 0.91% |
| Net interest margin | 3.25% (p26 of band) | 3.59% |
| Efficiency ratio | 101.71% (p98 of band) | |
| Noncurrent loans | 1.90% (p86 of band) | 0.71% |
| Net charge-offs (annualized) | 0.01% (p32 of band) | |
| Reserve coverage of noncurrent | 88.68% | |
| Real estate % of loans | 90% | |
| Construction % of loans | 138.65% (p97 of band) | |
| Auto loans | $244,000 (0.10% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 4.5% | |
| Employees | 99 | |

## Flags firing in the latest filing

- **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 | 1 | construction >100% equity |  |
| 2011-06 | 2 | reserve under noncurrent |  |
| 2011-09 | 1 |  | reserve under noncurrent |
| 2011-12 | 1 | capital falling | construction >100% equity |
| 2012-03 | 0 |  | capital falling |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | capital falling |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 0 |  | capital falling |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | construction >100% equity |  |
| 2015-12 | 4 | capital falling, expense ratio p90, reserve under noncurrent |  |

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

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=23032 (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/56.json (key "23032", 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