# BANK OF TEXAS
DEVINE, TX · FDIC certificate 26905 · asset band <$300M · latest filing 2011-09 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 5 (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 | $47.5M | |
| Deposits | $41.3M | |
| Loans and leases | $26.8M | |
| Total equity | $3.0M | |
| Loans / deposits | 63.63% (p35 of band) | 71.39% |
| Liquid assets / assets | 32.30% (p48 of band) | |
| Uninsured deposits / deposits | 3.38% (p20 of band) | 8.02% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 4.21% (p59 of band) | |
| FHLB advances / assets | 4.21% | |
| Tier 1 leverage | 5.95% (p4 of band) | 9.99% |
| Unrealized securities loss / equity | 0.43% (p19 of band) | 3.72% |
| AOCI / equity | 0.07% (p24 of band) | |
| ROA (annualized) | -4.94% (p1 of band) | 0.72% |
| Net interest margin | 4.14% (p67 of band) | 3.86% |
| Efficiency ratio | 196.96% (p99 of band) | |
| Noncurrent loans | 0.09% (p14 of band) | 1.48% |
| Net charge-offs (annualized) | 0.55% (p80 of band) | |
| Reserve coverage of noncurrent | 1912.00% | |
| Real estate % of loans | 73% | |
| Construction % of loans | 191.81% (p98 of band) | |
| Auto loans | $172,000 (0.64% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $35,000 (1% of equity) (p97 of band) | |
| Deposits YoY | – | |
| Employees | 23 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | losing money, expense ratio p90, charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 3 |  | charge-offs p90, reserve under noncurrent |
| 2011-09 | 5 | leverage <7%, capital falling |  |

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

- 2026-02-13 [Commercial Bank of Texas Celebrates 125 Years of Community Banking - Community Impact](https://news.google.com/rss/articles/CBMiswFBVV95cUxQSUxka3JVc1YwVkxzYUJhcnNfTmNFTDU2cENXTlE0SHJGdnJDanBwUER1X2JUMzRic3VmMllqejJ0Y2wwMUYwLVZJVnA0OWQwanpCeXJPQm9xRklPRXZ0LWRZVllqREZhRU1QSEY1OWZWbWJrUHZKLUdObDBJbHdOSTEySHkycmZzdHdqSnUzQXJ1ZXJ6dEhTZmVsY0dlSFd5dUtUaFc2dHljZEhXT1lUUUc1RQ?oc=5) · Community Impact
- 2026-06-01 [Commercial Bank of Texas announces hiring of Bradley - The Lufkin Daily News](https://news.google.com/rss/articles/CBMi3gFBVV95cUxPUzRraTRhOUtqekt6dk1HRHM1d1FpLTFPY1JrN1ZDdURyVWpPN3owTWRxcTNfcENBQWJ4Y2c4cU9HMlZkc0tuVVFGeTR4bl91M3JOdzJQYXhFYkdFUHZGdjdqNmVfeFJxNHZuYU15QUpuQnhmMEVVaHY2SklocW4ybzdOVE1OcmVxV2UycXdpREI4MHRTVDJzQS1XVC0xLWtfeE4wcm8xeV9yY1RvYVZYdUwzSEJKMjFzdFA2TlhFc2ptNkYyVWFzMlltMDItcXNKWnJ2REVaYWFCaWVRRnc?oc=5) · The Lufkin Daily News
- 2026-06-01 [Ian Smith | People on the Move - Dallas Business Journal - The Business Journals](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQbjVpS0hDVlBILWNLOGN1NVBJV3BZZXpna3lBRzJDZW1rTG5Gak9XMFFmSGY0Q1VZSDR2Vi1scVgtb1NCUkpYMTJrdmx5SDJBa0lEM1FnN0RreVZLRVd5NzFTci1uaWdoSHluQm1valJkQ2pmRHRTa2xZLWJoRGVBOTBpa29keGYy?oc=5) · The Business Journals
- 2026-01-14 [AMERICAN NATIONAL BANK OF TEXAS STRENGTHENS LOCAL LEADERSHIP WITH SEVEN ADDITIONS TO COMMERCIAL BANKING TEAM AMID INDUSTRY CONSOLIDATION - The Business Press](https://news.google.com/rss/articles/CBMihgJBVV95cUxPdDVJbzNMQmR4RzJCVjVSN0xnTjFVOU9FMXVvUEJaZG1PbVFzS0ZpRWIzUU9lc2dKaEo1R2FoSlQ0dlFjQ1NIWk4xY0otSHlHRFFsazREcmVPRGNZTURuM014ekNFejVBR0ZwSlNzc25KTVY1LWhvY1ZvaG1tMGU4TmpKMUNCalVIUkNvMXBpUUFlWW9QU3gtYU9DNXJoczhkTzJyR3owZUVCT1dET2w3elU4Y1YyOHZNS3lLTnhjTTEyajFUTzF6UDlQal9kVjBKbHdRRldEQzdpZ29tSDVobjBPQ0dic0l5X19lell0MlNQZzNGOWVuRTMwZ0lrQnlzbkE3S3Fn?oc=5) · The Business Press
- 2025-12-09 [American National Banking of Texas opens new banking center in Heath as part of North Texas expansion - blueribbonnews.com](https://news.google.com/rss/articles/CBMi0wFBVV95cUxOa2dKVkc2dFlwUnVxcXd6aHo2a3VqZUllUkxrbHpVcjY0SUVCRndFWmhkNDVDRlF3VlF1TlRtRXplWVhLR2t2U014Y01Kc19feDdRSktVNjRPVHBkeE5BdUN0b240aEViOS1CTm1nX1lBbTU5YW81cmJrUnNWenFnTFg1Z29iQWE2N2RZYUcyakcyNXU3Vk5Td2NKLURIX3FaTFlqcWlFZzlfQnV1NGlaVmF5a2pDRmlxMnFjM0JiQ0VsMTlSRVg4cWp6c0FJTFRabjdZ?oc=5) · blueribbonnews.com
- 2025-12-25 [Texas - Newsweek Rankings](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNM0d4d05XbEdGSjR0YTRMN3p0UjQ2Mi1HUUhTUmpqZGtmcG1yOHFOUE1RQmRLQUF6M3NPZzhCcS1LMUZpWUE4ZE1ZMGViYldKOEtGZzFWek9PTURXcmkxQW9ZY3ZuSFQwNzcxYjBFaWhkclJlRk1SYUlhQmVRdlY2ZkowM0ZpVHdoXzhV?oc=5) · Newsweek Rankings
- 2026-01-01 [Viral post claims Indian-origin Chan Patel's State Bank of Texas only serves Indians; social media asks 'where is the fraud?' - The Times of India](https://news.google.com/rss/articles/CBMimwJBVV95cUxOY2p4eWdtbFIwZmk2TEQ2YlZRSjV4R0I4TGdMejA0VDh0alRCMnZ1MzBiUnNzR2YwVk9UZ3hhWXZmMmY3bmtZenFhVzlnN0RkVEszUDAtRUdDTUNoMmEzbzA0YkVIcDR3TkxzVDFLc013ZjV3VWZNMkFvN1Z4SlUtU2M3Z0ltSmV5TFE4ZlgzM0Z2VmZEQVJna2dSOHU4SFJJZ1Z0NGRUY21LT185aXYwanR0TkZaamdMYTcyUVV6SmpjOUhLSGQ3QVZjWlVMbDZGS1NvUmJuVFc3VG9DeGZETTdDb1NRVFVtd0prYVBycHdmNlNHVGVRcTVYY1ZGUFQ0VkJCNUZmSkRLV3RHRmtaZHNvRldTZ2wyRjNF?oc=5) · The Times of India
- 2026-05-12 [Banking legend Carlos Vacek dies at 89 - The Record Newspapers](https://news.google.com/rss/articles/CBMiowFBVV95cUxNODNOQ2ZscG9GWEdESmtZcHNoNXZmc2dFVmdxQ0xEOC1DNXNTaUZjRlRySDFaMTBuSHpSckFaalVJX1d5S1prSmR4ZTcyaWdBQ1NsUlVzRXRudVZIc1FFNHNod0pRejdmcmdvLUdCWkxCZl9TTno2TmpLQnlRN1pwQ3UzTjBTZ3l0MXUxbTNWQUdESDMxeXZ6Q0JscFQ0b2ppcVNN?oc=5) · The Record Newspapers

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=26905 (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/25.json (key "26905", 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