# CHASEWOOD BANK
HOUSTON, TX · FDIC certificate 24272 · asset band <$300M · latest filing 2024-12 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 6 (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 | $85.2M | |
| Deposits | $70.8M | |
| Loans and leases | $67.5M | |
| Total equity | $11.3M | |
| Loans / deposits | 94.59% (p86 of band) | 72.20% |
| Liquid assets / assets | 17.14% (p14 of band) | |
| Uninsured deposits / deposits | 25.20% (p69 of band) | 19.30% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p20 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.53% (p69 of band) | 11.46% |
| Unrealized securities loss / equity | -4.36% (p71 of band) | -13.79% |
| AOCI / equity | 1.08% (p68 of band) | |
| ROA (annualized) | -0.06% (p9 of band) | 0.90% |
| Net interest margin | 4.70% (p85 of band) | 3.57% |
| Efficiency ratio | 100.43% (p91 of band) | |
| Noncurrent loans | 0.00% (p13 of band) | 0.26% |
| Net charge-offs (annualized) | 0.00% (p33 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 92% | |
| Construction % of loans | 103.64% (p92 of band) | |
| Auto loans | $28,000 (0.04% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -10.4% | |
| Employees | 19 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **construction >100% equity** (`conc_construction`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | NIM <2.5% |  |
| 2012-06 | 3 | expense ratio p90 |  |
| 2012-09 | 2 |  | capital falling |
| 2012-12 | 2 |  |  |
| 2013-03 | 4 | deposits shrinking, assets shrinking |  |
| 2013-06 | 3 |  | NIM <2.5% |
| 2013-09 | 6 | AOCI drag >20% of equity, securities losses >30% of equity, reserve under noncurrent |  |
| 2013-12 | 4 |  | expense ratio p90, deposits shrinking |
| 2014-03 | 1 |  | assets shrinking, AOCI drag >20% of equity, securities losses >30% of equity |
| 2014-06 | 2 | expense ratio p90 |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 1 |  | reserve under noncurrent |
| 2015-03 | 4 | losing money, noncurrent p90, reserve under noncurrent |  |
| 2015-06 | 4 |  |  |
| 2015-09 | 3 |  | noncurrent p90 |
| 2015-12 | 3 |  |  |
| 2016-03 | 3 |  |  |
| 2016-06 | 2 |  | losing money |
| 2016-09 | 3 | construction >100% equity |  |
| 2016-12 | 1 |  | reserve under noncurrent, construction >100% equity |
| 2017-03 | 2 | losing money |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 4 | capital falling, construction >100% equity |  |
| 2017-12 | 4 | reserve under noncurrent | losing money |
| 2018-03 | 3 |  | capital falling |
| 2018-06 | 2 |  | construction >100% equity |
| 2018-09 | 2 | construction >100% equity | expense ratio p90 |
| 2018-12 | 0 |  | reserve under noncurrent, construction >100% equity |
| 2019-03 | 2 | deposits shrinking, assets shrinking |  |
| 2019-06 | 4 | expense ratio p90, uninsured deposits leaving |  |
| 2019-09 | 4 |  |  |
| 2019-12 | 4 |  |  |
| 2020-03 | 4 | capital falling | assets shrinking |
| 2020-06 | 4 | losing money, construction >100% equity | deposits shrinking, uninsured deposits leaving |
| 2020-09 | 4 |  |  |
| 2020-12 | 5 | charge-offs p90, reserve under noncurrent | construction >100% equity |
| 2021-03 | 2 |  | losing money, charge-offs p90, reserve under noncurrent |
| 2021-06 | 2 |  |  |
| 2021-09 | 1 |  | capital falling |
| 2021-12 | 1 |  |  |
| 2022-03 | 0 |  | expense ratio p90 |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 1 | deposits shrinking |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 2 | assets shrinking |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 3 | uninsured deposits leaving |  |
| 2024-03 | 3 |  |  |
| 2024-06 | 4 | construction >100% equity |  |
| 2024-09 | 4 |  |  |
| 2024-12 | 6 | losing money, expense ratio p90 |  |

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

- 2024-12-02 [East Texas bank eyes more local opportunities after acquisition of Houston-based Chasewood Bank - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxOQW5CSDNORlJQZklDNXRIWDdZYXdVbGFNNk1zQUpweGFfUVB4ekdscVVqQ3J1VDRrczVJTUlRV1pnd3U1clU0dWlUYjNjTzRLd3BDSlNPRl9YazdCUG9EMzROT0o4cEgzenhKMzdtRnY5WVF6N0hYT1pIYjRtWlVNNlB1Z1Q5N25nMkkwY2lHdzNYLWI5WTR5eV9MNm5hYVE5djhYSWNB?oc=5) · The Business Journals
- 2025-02-22 [Austin Bank completes acquisition of Chasewood Bank - Jacksonville Daily Progress](https://news.google.com/rss/articles/CBMi6gFBVV95cUxQajhiM1Y3cTd3TndNdUthb1Z3aGlBblVDc0tjWXoxOUkyRDFHbmY3a19uaHMyZW1QYks4eDRhWjNjcDA4Q2dhaUIycnUxdkxUNUhMVUllcXFpMHRDSW1WR0ZPMnNVZ2hMejlTNUxIdHdzRi1taUxzdFFmVHJUb09vb3Nzcm9acDRQWXBOQjNubkxiVjExTUloNjBWZXdGVDF4V19ET2ZwU05lbmpmalVxbGRnRG1JMGhoUm1pbjBzOFVkanJ0TU5hcHlwUndmcFhpY19heFZSaC1Yc0psNm11ellYUWM5LVdjY2c?oc=5) · Jacksonville Daily Progress
- 2025-02-24 [Austin Bank completes acquisition, conversion of Houston-based Chasewood Bank - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOcVZCOWlDLXdHbzdtZFdFYko0RDNpUzRRampnWVdPUTQ0NjF3bFFkUjF1RHZydDd4NVhYTURweFRFdnVSQnE2ZEN3cVpTT2dtZm9MQWlzdFJFVVVMUzlQNmx5c0JMeFd5cGY5WThxa3ptMjNnbkFCT2tvVm1xdlJjR3pYUGZnU0U5ZW9PMkdSekNiTTh4aXp0ekxWclZ6cUtBeDVtWjJqZXg?oc=5) · The Business Journals
- 2021-12-09 [Don E. Hand Obituary Dec 9, 2021 - Klein Funeral Homes](https://news.google.com/rss/articles/CBMiVkFVX3lxTFBmTG9VWEVzVVMzdjZ5NXFqUlZLU0h5YndPOEZtUG0tTUpOaVFvdHk1UFNDYmVGUE1wVzZTcGthYzdlOWN1YS02Tnlrd2FWUzY3Wk10MGNn?oc=5) · Klein Funeral Homes
- 2024-03-25 [John Pepe Obituary - Houston, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMifEFVX3lxTE0yLUF4QndKbEh4OWZ0TFJnc0tsT1VUbE1icHNEN0IzcGJiSFpqUGpsWWQxRzFiWmlmb2VaMHFXU1BMbnFJaVpUb1ZZMURSeG1JVUxMOFpiaVBpV1ROc1FXWUZYc0FjRV9RM1dScFNOejE5b0djSVpybnJ3WWU?oc=5) · Dignity Memorial
- 2021-08-24 [Tilman Fertitta applies to buy Houston's Chasewood Bank - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxPc1dhNFJrRHVQLWtaV0xSa081d0xQUl9PeFA4d01QWmNyMUFQaWtUTHhBdWZPdjVRU3VxOF9oSDR2cW1VcDlseXhRenhnbnhNeWs0QXhrR2p4WlVxNTVvbDRkbXotbFNBSmx6aExXUy0yMTl6ak5rSVdnd2lRUUZvX0F4V0ZVLTJhbzhZZEtLd0puWGhxMDJrSE5QODlseFhxN256THpDZw?oc=5) · The Business Journals
- 2024-11-12 [Ray Robert Durrett Obituary Nov 12, 2024 - Klein Funeral Homes](https://news.google.com/rss/articles/CBMiWkFVX3lxTFA4TWR3UGlEWlQyUndsalhVT3UzcFFWLUUybDNpS2JhRlZYQmhYd2xjY3hOcFhuUkMwbzN6S1l3RWF2dDI4VUV6MjREN2RNd2xjdHQ1U2ZwOVZDZw?oc=5) · Klein Funeral Homes
- 2025-12-29 [Houston bank mergers and acquisitions surge as Cadence Bank, Prosperity Bank, others make deals - The Business Journals](https://news.google.com/rss/articles/CBMiowFBVV95cUxQd1hrSzZaLWR6SGU2ejhxSlJhdGVxaE03N1JoYTdQZ3prcU5tdzJ4S05IQ3JzUGJKSG5yRXVmcWVwYV92ZklqTWEzU2pzUDZNQlJBMWtaWnFxd1k0YlZOSE00YkI1NVpEZG1fdVNCTkpJeFhWZDFoaTRzUlVoUl9vQ194a00xS3Q1bDFSY3FJUGo5Yng3M0FoSHpDTHF6SUdxZ3Qw?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=24272 (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/16.json (key "24272", 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