# PAVILLION BANK
RICHARDSON, TX · FDIC certificate 24303 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 1 (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 | $78.4M | |
| Deposits | $64.2M | |
| Loans and leases | $63.2M | |
| Total equity | $12.0M | |
| Loans / deposits | 97.21% (p89 of band) | 73.59% |
| Liquid assets / assets | 14.34% (p10 of band) | |
| Uninsured deposits / deposits | 42.67% (p94 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.91% (p59 of band) | |
| FHLB advances / assets | 1.91% | |
| Tier 1 leverage | 15.54% (p79 of band) | 11.76% |
| Unrealized securities loss / equity | 0.00% (p95 of band) | -6.57% |
| AOCI / equity | 0.00% (p78 of band) | |
| ROA (annualized) | 1.26% (p55 of band) | 1.17% |
| Net interest margin | 5.96% (p98 of band) | 3.93% |
| Efficiency ratio | 72.49% (p66 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 93% | |
| Construction % of loans | 136.29% (p97 of band) | |
| Auto loans | $182,000 (0.29% of loans; DQ 1.10%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 8.3% | |
| Employees | 16 | |

## Flags firing in the latest filing

- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | losing money, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 2 |  | losing money |
| 2011-09 | 3 | losing money |  |
| 2011-12 | 3 |  |  |
| 2012-03 | 3 | noncurrent p90 | losing money |
| 2012-06 | 3 |  |  |
| 2012-09 | 3 |  |  |
| 2012-12 | 4 | assets shrinking |  |
| 2013-03 | 4 | deposits shrinking | assets shrinking |
| 2013-06 | 3 |  | deposits shrinking |
| 2013-09 | 3 |  |  |
| 2013-12 | 4 | capital falling |  |
| 2014-03 | 3 | charge-offs p90 | noncurrent p90, capital falling |
| 2014-06 | 3 |  |  |
| 2014-09 | 1 |  | reserve under noncurrent, charge-offs p90 |
| 2014-12 | 2 | reserve under noncurrent |  |
| 2015-03 | 3 | noncurrent p90 |  |
| 2015-06 | 2 | charge-offs p90 | reserve under noncurrent, noncurrent p90 |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 1 |  | charge-offs p90 |
| 2016-06 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2016-09 | 4 |  |  |
| 2016-12 | 6 | capital falling, reserve under noncurrent |  |
| 2017-03 | 3 |  | uninsured deposits leaving, capital falling, reserve under noncurrent |
| 2017-06 | 3 | charge-offs p90, reserve under noncurrent | deposits shrinking, assets shrinking |
| 2017-09 | 1 |  | charge-offs p90, reserve under noncurrent |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 2 | reserve under noncurrent |  |
| 2018-12 | 1 |  | reserve under noncurrent |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 3 | noncurrent p90, reserve under noncurrent |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 3 | deposits shrinking, assets shrinking | noncurrent p90, reserve under noncurrent |
| 2020-06 | 1 |  | deposits shrinking, assets shrinking |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 | charge-offs p90 | capital falling |
| 2021-06 | 1 |  | charge-offs p90 |
| 2021-09 | 2 | capital falling |  |
| 2021-12 | 3 | charge-offs p90 |  |
| 2022-03 | 2 |  | charge-offs p90 |
| 2022-06 | 3 | charge-offs p90 |  |
| 2022-09 | 2 |  | capital falling |
| 2022-12 | 3 | deposits shrinking, assets shrinking | charge-offs p90 |
| 2023-03 | 4 | uninsured deposits leaving |  |
| 2023-06 | 4 |  |  |
| 2023-09 | 3 |  | construction >100% equity |
| 2023-12 | 4 | charge-offs p90 |  |
| 2024-03 | 1 |  | assets shrinking, uninsured deposits leaving, charge-offs p90 |
| 2024-06 | 2 | assets shrinking |  |
| 2024-09 | 0 |  | deposits shrinking, assets shrinking |
| 2024-12 | 1 | construction >100% equity |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 2 | capital falling |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 1 |  | capital falling |
| 2026-06 | 1 |  |  |

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

- 2026-07-02 [Pavillion Bank: Relationship-focused business banking in North Texas - Community Impact](https://news.google.com/rss/articles/CBMirAFBVV95cUxOczZ5Y3BZU1E3SVpEQXZTOGE0RElNZEtuZVl6WFQxMWdwOG4tSFRnbGp0X0NnTFJwTjZzejFKZkNsT2IwYkVFYU5VdlNMNEVZdXIxbTNaaDFJSkoybndPNzFlODFLa2tNN1VtU3Z0UmNlZHhQSmpPTFdhcXBiTGZZRUh2ckYwS2Q4VFJZV2dTU3RqMzRSWnJfT250dXA1UlpEUThOOURFajUzZTF2?oc=5) · Community Impact
- 2025-04-17 [Pavillion Bank: A trusted partner in Richardson for over 40 years - Community Impact](https://news.google.com/rss/articles/CBMipgFBVV95cUxQM2laSmVnY1NfbW9TRzFMeGkwSHh4Z0pkaU5aQ1dyTXZlaUEzOU5RVTQ0d3VUaEUwYmZwcXJ1OEViZmtVa0V6bkZQQ0ZOSlAza0JiSllDS0VadWsxanljXzdBdTFWTVpyd3BZOUdEc01STjBubHRYeTlNSDhicGhGWUJIeV9Bb1VuWExIQUM3VHZ2VGVlM0N3UkRhMjJTQU9hX29QRkNB?oc=5) · Community Impact
- 2024-12-15 [Richardson-based Pavillion Bank celebrates 4 decades of community relationships - Community Impact](https://news.google.com/rss/articles/CBMiugFBVV95cUxNSnBXTDhMN29nRXhpOEJkZ25OM09KUHpuaFpQcll1SnFmM2E0VXJHR2RqVHF0VnpCLW92VDZUSVd5SThLaGRXdGZvVDNDSWZhYmxFVEJTV05iS3lGdkVHTVdMQWhQU2Y5SW5McU1ab2VjazBMdEVZd3FMdjExLS1Hbm1jcldQNTViWHpHcHg1WDYzOGFRQnVkOGt4RnVqS2FDYWNTUXZ2VWF1d01fTEtnQXhoUGM5dU1JR2c?oc=5) · Community Impact
- 2020-02-11 [Rucie Earl Odom - American Press](https://news.google.com/rss/articles/CBMiY0FVX3lxTFBmOHNSeU1kZVo1VGVDV1ZrUVJOUmlaTWctM3VKU21RZURfcWlXSkNkMFZTNGxZRThqam5YUmFsalFFY2lzZFpheGpVQ2pvS1RmS1pjWUFXV1FMWFlaQTAyRDNYVQ?oc=5) · American Press
- 2020-09-06 [Tony Goolsby Obituary (1933 - 2020) - Dallas News](https://news.google.com/rss/articles/CBMinwFBVV95cUxOOFJOc3BTY1F6TXNhR1hLcTJIV1ZidXhjeFZvYk5hQnZ0cDI3aEpRTkFLQktHOUl1NnMyS1Vzd2VHUjlFWEdHNEFEVDl6bDY2TlBWRDFvSUtCWm5DTHZ5dGJvbXhsT0F5bHo1SENFNkdDMEllWlF1VUVIYTdwX3hYS3g4Z21RRFNibHZqQUZnbGRCdEswUG1QOEpxV1hudkU?oc=5) · Dallas News
- 2020-09-23 [Longtime State Rep. Tony Goolsby Dead at 86 - People Newspapers](https://news.google.com/rss/articles/CBMimgFBVV95cUxQMGhuUXdEeUVZZ09ObDhnZjBYQVFobTl2eUxVN3djLVJNNjdLOG1DRGd2c21XREI5NmNRaXU5VjY2LVRhN3hnQURlc2VtMldIRWRoeVZYNGlTUnNBenFEY0VsVUpFc0VKOERPR3VPVHFndzNfQVhrcVQtUzNRUmJjeEkxdFBmR3V5YmZPSExKeUVhaE5SdGF0RERB?oc=5) · People Newspapers
- 2016-02-07 [Ferd Kaufman Obituary (1926 - 2016) - Richardson - Dallas News](https://news.google.com/rss/articles/CBMinwFBVV95cUxQbHo5bmpYRDZ0cHZpWlZJYVVXUEFEWUV1ZFBvZ0tkS1dtb3lWeV8wMzhRaWxGLUY5OTBGaVFqakt4ZXR5TEh3ZnhJQjRveUVDQWxRTGtIV1UwWWVYaG8wai1lRzVOdjEwTm9WUlY4bXR3TDE2M3cyVktwajhhWmU2Snl4X25YbHpKQU11RFZQTE9tQWl2TGNGbTFLUlpwdnM?oc=5) · Dallas News
- 2026-07-01 [Pavillion Bank Gives Back to Richardson Community - Community Impact](https://news.google.com/rss/articles/CBMiygFBVV95cUxQUkNVNExNX3djRzRIM2NtdE5ha3lxSUU3T2NJUXkzWV9yUEVHYWNsaW1fQWV5RFh0aUZvWHFWOGItTGxFU0swX3prQWJ1QVhqRkd0RlYzcmF4a29Ja1BRVV9GMEx5ZF93eE94NEFBckJaLVFGc1dwZW51cnJ0UWh0MzY0Z3FsUkZfNnd0akxQeTB1VmEtUWRkNi14VURMc1VtNHFkVjA0alJYeXVQMmxleW1tckN5YzUzdUkybzQ5d2hESmx5NHNfS3d3?oc=5) · Community Impact

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=24303 (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/47.json (key "24303", 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