# AMERICAN NB OF TEXAS
TERRELL, TX · FDIC certificate 23474 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. 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 | $5.51B | |
| Deposits | $4.60B | |
| Loans and leases | $3.40B | |
| Total equity | $328.2M | |
| Loans / deposits | 72.97% (p21 of band) | 87.10% |
| Liquid assets / assets | 33.64% (p82 of band) | |
| Uninsured deposits / deposits | 43.91% (p81 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 9.72% (p63 of band) | |
| FHLB advances / assets | 7.99% | |
| Tier 1 leverage | 8.84% (p10 of band) | 10.50% |
| Unrealized securities loss / equity | -76.96% (p1 of band) | -7.75% |
| AOCI / equity | -1.68% (p6 of band) | |
| ROA (annualized) | 0.63% (p12 of band) | 1.26% |
| Net interest margin | 2.85% (p11 of band) | 3.70% |
| Efficiency ratio | 74.79% (p87 of band) | |
| Noncurrent loans | 0.23% (p25 of band) | 0.51% |
| Net charge-offs (annualized) | 0.01% (p44 of band) | |
| Reserve coverage of noncurrent | 543.63% | |
| Real estate % of loans | 86% | |
| Construction % of loans | 152.93% (p98 of band) | |
| Auto loans | $5.2M (0.15% of loans; DQ 2.30%, NCO 0.00%) | |
| Loans to nondepository financials | $29,000 (0% of equity) (p71 of band) | |
| Deposits YoY | -2.3% | |
| Employees | 604 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 0 |  | reserve under noncurrent |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | deposits shrinking |  |
| 2013-03 | 1 | capital falling | deposits shrinking |
| 2013-06 | 0 |  | capital falling |
| 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 | 1 | construction >100% equity |  |
| 2015-12 | 2 | capital falling |  |
| 2016-03 | 1 |  | capital falling |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 | capital falling | construction >100% equity |
| 2017-03 | 2 | construction >100% equity |  |
| 2017-06 | 0 |  | capital falling, construction >100% equity |
| 2017-09 | 1 | construction >100% equity |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 0 |  | construction >100% equity |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | capital falling |  |
| 2020-03 | 0 |  | capital falling |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | capital falling |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 2 | uninsured deposits >50% |  |
| 2022-03 | 5 | AOCI drag >20% of equity, securities losses >30% of equity, construction >100% equity |  |
| 2022-06 | 3 |  | capital falling, uninsured deposits >50% |
| 2022-09 | 3 |  |  |
| 2022-12 | 4 | uninsured deposits >50% |  |
| 2023-03 | 5 | wholesale funding >15%, capital falling, deposits shrinking | AOCI drag >20% of equity, uninsured deposits >50% |
| 2023-06 | 5 | uninsured deposits leaving | capital falling |
| 2023-09 | 6 | AOCI drag >20% of equity |  |
| 2023-12 | 3 |  | deposits shrinking, uninsured deposits leaving, AOCI drag >20% of equity |
| 2024-03 | 4 | NIM <2.5% |  |
| 2024-06 | 4 |  |  |
| 2024-09 | 4 |  |  |
| 2024-12 | 4 | assets shrinking | wholesale funding >15% |
| 2025-03 | 2 |  | NIM <2.5%, assets shrinking |
| 2025-06 | 3 | wholesale funding >15% |  |
| 2025-09 | 2 |  | wholesale funding >15% |
| 2025-12 | 3 | uninsured deposits >50% |  |
| 2026-03 | 2 |  | uninsured deposits >50% |
| 2026-06 | 2 |  |  |

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

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## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=23474 (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/50.json (key "23474", 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