# BOC BANK MCLEAN, TX · FDIC certificate 25328 · asset band <$300M · latest filing 2026-06 · live **Verdict on the desk:** this could be *fortress*. 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 | $203.4M | | | Deposits | $176.7M | | | Loans and leases | $151.8M | | | Total equity | $25.8M | | | Loans / deposits | 84.60% (p70 of band) | 73.59% | | Liquid assets / assets | 24.57% (p31 of band) | | | Uninsured deposits / deposits | 58.46% (p99 of band) | 19.81% | | Brokered deposits | 0.00% | | | Wholesale funding | 0.00% (p23 of band) | | | FHLB advances / assets | 0.00% | | | Tier 1 leverage | 12.41% (p57 of band) | 11.76% | | Unrealized securities loss / equity | -1.75% (p71 of band) | -6.57% | | AOCI / equity | -0.62% (p39 of band) | | | ROA (annualized) | 1.99% (p85 of band) | 1.17% | | Net interest margin | 4.35% (p70 of band) | 3.93% | | Efficiency ratio | 56.08% (p25 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 | 67% | | | Construction % of loans | 46.29% (p77 of band) | | | Auto loans | $29,000 (0.02% of loans; DQ 0.00%, NCO 0.00%) | | | Loans to nondepository financials | $0 (0% of equity) (p48 of band) | | | Deposits YoY | 3.6% | | | Employees | 27 | | ## Flags firing in the latest filing - **uninsured deposits >50%** (`liq_uninsured`) ## Warning timeline | Quarter | Score | Flags that first fired | Flags that cleared | |---|---|---|---| | 2011-03 | 0 | | | | 2011-06 | 2 | noncurrent p90, reserve under noncurrent | | | 2011-09 | 0 | | noncurrent p90, reserve under noncurrent | | 2011-12 | 0 | | | | 2012-03 | 1 | uninsured deposits leaving | | | 2012-06 | 0 | | uninsured deposits leaving | | 2012-09 | 0 | | | | 2012-12 | 1 | capital falling | | | 2013-03 | 1 | charge-offs p90 | capital falling | | 2013-06 | 0 | | charge-offs p90 | | 2013-09 | 0 | | | | 2013-12 | 2 | deposits shrinking, assets shrinking | | | 2014-03 | 0 | | deposits shrinking, assets shrinking | | 2014-06 | 0 | | | | 2014-09 | 1 | capital falling | | | 2014-12 | 1 | | | | 2015-03 | 0 | | capital falling | | 2015-06 | 0 | | | | 2015-09 | 0 | | | | 2015-12 | 0 | | | | 2016-03 | 0 | | | | 2016-06 | 0 | | | | 2016-09 | 0 | | | | 2016-12 | 1 | capital falling | | | 2017-03 | 1 | | | | 2017-06 | 0 | | capital falling | | 2017-09 | 0 | | | | 2017-12 | 0 | | | | 2018-03 | 0 | | | | 2018-06 | 0 | | | | 2018-09 | 0 | | | | 2018-12 | 0 | | | | 2019-03 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving | | | 2019-06 | 0 | | deposits shrinking, assets shrinking, uninsured deposits leaving | | 2019-09 | 1 | uninsured deposits >50% | | | 2019-12 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving | uninsured deposits >50% | | 2020-03 | 0 | | deposits shrinking, assets shrinking, uninsured deposits leaving | | 2020-06 | 3 | loans exceed deposits, wholesale funding >15%, uninsured deposits leaving | | | 2020-09 | 2 | uninsured deposits >50%, capital falling | loans exceed deposits, wholesale funding >15%, uninsured deposits leaving | | 2020-12 | 2 | | | | 2021-03 | 2 | | | | 2021-06 | 1 | | capital falling | | 2021-09 | 1 | | | | 2021-12 | 1 | | | | 2022-03 | 1 | | | | 2022-06 | 1 | | | | 2022-09 | 1 | | | | 2022-12 | 1 | | | | 2023-03 | 3 | capital falling, NIM <2.5% | | | 2023-06 | 2 | | NIM <2.5% | | 2023-09 | 1 | | capital falling | | 2023-12 | 1 | | | | 2024-03 | 1 | | | | 2024-06 | 3 | deposits shrinking, assets shrinking | | | 2024-09 | 2 | | deposits shrinking | | 2024-12 | 3 | deposits shrinking | | | 2025-03 | 2 | | assets shrinking | | 2025-06 | 1 | | deposits shrinking | | 2025-09 | 1 | | | | 2025-12 | 1 | | | | 2026-03 | 2 | capital falling | | | 2026-06 | 1 | | capital falling | ## In the news (Google News, unfiltered, newest first; check the city) - 2020-06-12 [Intern of the Year - West Texas A&M University | WTAMU](https://news.google.com/rss/articles/CBMif0FVX3lxTE1SSU9Qd2pNWkNLNzdDTzFEdmZfblVDa1czemdXLWoyT2hoS1FvbjJ4eERwZHRnV2JBb2xsakVsNEpjbUZPOHUtWkZPRFVnWEszMFZVTzc4QlJ4WWFtR0FqaW1BLVdDdGFaREZiUk1xRlh3QkJOWUpfNG81dlN4dkk?oc=5) · West Texas A&M University | WTAMU - 2025-08-28 [Unpredictable US Policy Clouds Global Growth Prospects - International Banker](https://news.google.com/rss/articles/CBMimwFBVV95cUxQOEhfaFlyd1N4V3A2NnNkU2dGWi1fQ24wNzZXMUJkU3FoT1dPeGo0TFhrZ2pDTFU2NUxCVkVsU2t6NDBpelpuVTFUZlIwR1ZsX2dBQUh5cV9CdWhNWTlSam90Tl83emdORzlLNW9CT3lTbXdXZ0paVDIzay04T0RDWGszMnhaWUNzUVpjX0dRVEFGZHEzWlI0WU9EWQ?oc=5) · International Banker - 2024-04-15 [Dennis Irvin Kuempel Obituary Apr 15, 2024 - Boxwell Brothers Funeral Directors](https://news.google.com/rss/articles/CBMiaEFVX3lxTE1JMTc3a1BINVRpQlkxNktwSVBKck1meWN6ZXZhSmtDSWVGTWIzV3ZTV0w0S0hka2JnNlRHYnpTOFYxTlJrSV9OVkpWdzJZQWd1ZndEWWo5WDFiekItYVZreXZQaUwwbWZB?oc=5) · Boxwell Brothers Funeral Directors - 2023-08-22 [I won the US Open and reached world No1... now I'm president of a bank - the-sun.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxNN3B0UkV4VjAxNkFmM1k2Vmw4NU5fNGpmMG41V1BkZHlWVWFncU1hdkVNLTFMUmlkVVFLYU41SjJZVVhoZW9QclRaNHRxODVnTnB0eTI0S01MOUhHeVFQUTdRaDBfX0lFZjZfU2xjM0stVGlzd3FxNUIwd3JIeG9oMGlucGM?oc=5) · the-sun.com ## How to verify - Page: https://getbookiq.com/bank-desk/#bank=25328 (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/48.json (key "25328", 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