# BANK OF SOUTH TEXAS
MCALLEN, TX · FDIC certificate 26727 · 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 | $174.5M | |
| Deposits | $141.1M | |
| Loans and leases | $125.9M | |
| Total equity | $31.7M | |
| Loans / deposits | 88.20% (p76 of band) | 73.59% |
| Liquid assets / assets | 19.54% (p21 of band) | |
| Uninsured deposits / deposits | 19.67% (p50 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 16.63% (p84 of band) | 11.76% |
| Unrealized securities loss / equity | 0.06% (p98 of band) | -6.57% |
| AOCI / equity | -0.38% (p50 of band) | |
| ROA (annualized) | 1.10% (p46 of band) | 1.17% |
| Net interest margin | 6.98% (p100 of band) | 3.93% |
| Efficiency ratio | 79.08% (p77 of band) | |
| Noncurrent loans | 0.23% (p43 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 508.80% | |
| Real estate % of loans | 91% | |
| Construction % of loans | 174.28% (p99 of band) | |
| Auto loans | $8,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 9.0% | |
| Employees | 63 | |

## Flags firing in the latest filing

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

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | losing money, reserve under noncurrent |  |
| 2011-06 | 1 |  | losing money |
| 2011-09 | 3 | losing money, expense ratio p90 |  |
| 2011-12 | 2 | construction >100% equity | losing money, expense ratio p90 |
| 2012-03 | 4 | capital falling, losing money |  |
| 2012-06 | 2 |  | capital falling, losing money |
| 2012-09 | 3 | uninsured deposits leaving |  |
| 2012-12 | 2 |  | uninsured deposits leaving |
| 2013-03 | 4 | losing money, expense ratio p90 |  |
| 2013-06 | 2 |  | construction >100% equity, losing money |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 | deposits shrinking | expense ratio p90 |
| 2014-03 | 3 | uninsured deposits leaving |  |
| 2014-06 | 2 |  | deposits shrinking |
| 2014-09 | 2 |  |  |
| 2014-12 | 1 |  | uninsured deposits leaving |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 | capital falling | reserve under noncurrent |
| 2015-09 | 2 | construction >100% equity |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 1 |  | capital falling |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | deposits shrinking |  |
| 2018-06 | 3 | loans exceed deposits |  |
| 2018-09 | 3 | brokered >10%, wholesale funding >15% | deposits shrinking, loans exceed deposits |
| 2018-12 | 3 |  |  |
| 2019-03 | 4 | reserve under noncurrent |  |
| 2019-06 | 3 |  | reserve under noncurrent |
| 2019-09 | 2 |  | wholesale funding >15% |
| 2019-12 | 3 | reserve under noncurrent |  |
| 2020-03 | 4 | charge-offs p90 |  |
| 2020-06 | 3 |  | brokered >10% |
| 2020-09 | 4 | capital falling |  |
| 2020-12 | 1 |  | reserve under noncurrent, charge-offs p90, capital falling |
| 2021-03 | 1 |  |  |
| 2021-06 | 3 | deposits shrinking, assets shrinking |  |
| 2021-09 | 1 |  | deposits shrinking, assets shrinking |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 2 | capital falling |  |
| 2022-12 | 1 |  | capital falling |
| 2023-03 | 1 |  |  |
| 2023-06 | 2 | capital falling |  |
| 2023-09 | 1 |  | capital falling |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 4 | charge-offs p90, deposits shrinking, assets shrinking |  |
| 2025-03 | 3 |  | charge-offs p90 |
| 2025-06 | 1 |  | deposits shrinking, assets 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)

- 2018-08-28 [Junior’s Super Market Joins Empty Bowls 2018 Presented by Vantage Bank Texas, Inter National Bank - Texas Border Business](https://news.google.com/rss/articles/CBMixwFBVV95cUxQNHd3OWVyMXgwQ2J5RExweXpLaGJIaHVBTUlnWmhRSjRuVVBtcllYVzVFRHNfcEFZazFzQVdpSFFZajZLNllnX29DSFZ1OERIR21zRkhQZ2ExUHpiRHNZWVJlQUdGUWUwWmRMSWVCTmRKSnpiTHNxdjJaU3lHMHdObE1UeUYwaHlRcmNfX3ZlTjJGS3l6VVJQeVkxcmhBeWhseTd0MzM3RDhfbkd1VlFub3Y4RDg1UzFCUXVWV1NWMFpBa3hIUnhj?oc=5) · Texas Border Business
- 2021-02-05 [Hispanic American–Owned Banks by State - Investopedia](https://news.google.com/rss/articles/CBMigAFBVV95cUxNekJYVXloWFZDb19oMGVOdmo5aFRBalRMbHktTk90UmRrY0c3a2hINVl1eFAzWURsV0RhX3Y2NDdJMVdvbmduUzNqa3REV0U5NXdRRF9CNVpvTC1QbTYwYUVBQm90N2VHbmhhQ2laRUh2RlEtSV9teWF1OTNvd2Q3Zw?oc=5) · Investopedia
- 2024-10-29 [Praxedis Guerra Jr. Obituary - Corpus Christi Caller-Times](https://news.google.com/rss/articles/CBMiWEFVX3lxTFA5dnU0NmFqb0RBYzNmVjduT0psQmU5V2REU004N0tnLVJfRHhMSlJsRkcxUnRqM2V6WEo1S2U0Ujd6Qzk3VGR3bWRPTEVxRHI5QnNsT3AtbXc?oc=5) · Corpus Christi Caller-Times
- 2024-01-18 [Rio Grande Valley Chevy Dealers Donate $25,000 to Food Bank RGV - Texas Border Business](https://news.google.com/rss/articles/CBMimgFBVV95cUxQUkpSNUVJa0tsMWtxbUViOENrT2JqZzNpNjV1QnB1a0pIOUw5R1VJWlNoUjZleEttc2o0ZVRWWno3RTdweVdWQTRlZkNpNV9mZ3VELXN3a01lM1VSWkFOejZiU1pUQWhla0JGanJFUE4zTzRYWnIzZ2JhQUNLYklIY2xpZGtTdzE2ZVkwMUlISFZsNy1uWTNRVFBR?oc=5) · Texas Border Business
- 2012-12-06 [Armando Mendieta Obituary - Falfurrias, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQd3NkWkhHOVZiX0h6ZXJiRVA0RmI2dzZVakFHY2UtSGJPNF9vVWo4Z25OT3ZlSmswSC03ZWxEdVhoaTVpX0ZnX3NBczY2VzdEOUpRSDlrVHJ5SWlhXzE0VEVjeGlOb2JWRkFmT2FRRm10LWVsazFMdmFiM1hrNmFjQ0I3aUZFekRF?oc=5) · Dignity Memorial
- 2009-12-24 [Fred Erck Obituary (2009) - San Antonio, TX - San Antonio Express-News - Legacy obituary](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQWnQ0dXhMeE1fNmV6YmhuZUE2a2xfbUNIa1VSZFlMbW4tbENPazJ4OHY3NEI5X3NEcEdaMGFYNFBrVmdGUnJoLWtkak9GdUFTU0lReWZiZVdjeWI4MHg3WUh0NEVqVUVteEF1SnFFbTlBM3lqbFlfT1Ftb0VKbmRzaUJPUzlrSmNKd2Zj?oc=5) · Legacy obituary
- 2020-02-29 [Best Jumbo CD Rates Our Experts Found Today, Sept. 9, 2026: Up to 4.35% - Investopedia](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE1lekhnazJkRHdEa2lMUnVSeDFyNV9sSU40Z0gxOG1GR01paDFqUmRXdk10TnVKQ3NQN2Z5X1RWWDZLbXVRZUtZYk5neUsycnZVaWp4cXMxTHdvM3hhUGEtNTB0cnFjM2M?oc=5) · Investopedia
- 2018-10-18 [Vantage Bank Texas, Inter National Bank Title Sponsors of Empty Bowls 2018, a Successful Event - Texas Border Business](https://news.google.com/rss/articles/CBMiwwFBVV95cUxORlhrQ3NCaUtxLVlFVW1mMUR0MEVsWnllM3U0TC1hZ2JTd3lxSlBYM0RBMEdkS1FxYjd1SHQzMXdKeWY4dXVCZlhIOElsem40aXVDMFh3TzR0VTJPREdXbWtra0VCZjZyNy1RblhGS1gtelFGTWpCVjV4dHQxVHAyU2NLSWhieGdOeEJRbzZLX0xGSGFYZXYtOTE3T3JkbWdIeEV5ZnBfQ0FOelJPanFTMGxuQXZ6UFo1VGZwRXZlVXd3RWs?oc=5) · Texas Border Business

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=26727 (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 "26727", 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