# BORDER CAPITAL BANK NA
MCALLEN, TX · FDIC certificate 24935 · asset band <$300M · latest filing 2013-09 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $170.4M | |
| Deposits | $143.7M | |
| Loans and leases | $83.7M | |
| Total equity | $23.1M | |
| Loans / deposits | 56.69% (p28 of band) | 69.26% |
| Liquid assets / assets | 39.43% (p59 of band) | |
| Uninsured deposits / deposits | 28.11% (p93 of band) | 11.87% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.87% (p42 of band) | |
| FHLB advances / assets | 0.87% | |
| Tier 1 leverage | 14.15% (p85 of band) | 10.33% |
| Unrealized securities loss / equity | -0.15% (p56 of band) | -0.53% |
| AOCI / equity | -2.45% (p55 of band) | |
| ROA (annualized) | 0.87% (p57 of band) | 0.77% |
| Net interest margin | 3.98% (p69 of band) | 3.62% |
| Efficiency ratio | 79.76% (p64 of band) | |
| Noncurrent loans | 4.01% (p87 of band) | 1.08% |
| Net charge-offs (annualized) | -0.03% (p8 of band) | |
| Reserve coverage of noncurrent | 66.51% | |
| Real estate % of loans | 75% | |
| Construction % of loans | 51.85% (p82 of band) | |
| Auto loans | $458,000 (0.55% of loans; DQ 0.00%, NCO 0.03%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 0.7% | |
| Employees | 65 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 4 | deposits shrinking, assets shrinking |  |
| 2012-06 | 2 |  | deposits shrinking, assets shrinking |
| 2012-09 | 2 | capital falling | noncurrent p90 |
| 2012-12 | 2 | noncurrent p90 | capital falling |
| 2013-03 | 2 |  |  |
| 2013-06 | 4 | deposits shrinking, assets shrinking |  |
| 2013-09 | 1 |  | noncurrent p90, deposits shrinking, assets shrinking |

## 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=24935 (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/39.json (key "24935", 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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