# TEXAS REGIONAL BANK
HARLINGEN, TX · FDIC certificate 26906 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 3 (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 | $2.95B | |
| Deposits | $2.48B | |
| Loans and leases | $1.80B | |
| Total equity | $271.2M | |
| Loans / deposits | 71.57% (p19 of band) | 87.10% |
| Liquid assets / assets | 27.85% (p72 of band) | |
| Uninsured deposits / deposits | 53.69% (p93 of band) | 30.76% |
| Brokered deposits | 0.51% | |
| Wholesale funding | 4.32% (p42 of band) | |
| FHLB advances / assets | 3.81% | |
| Tier 1 leverage | 8.77% (p8 of band) | 10.50% |
| Unrealized securities loss / equity | -24.57% (p14 of band) | -7.75% |
| AOCI / equity | 1.73% (p98 of band) | |
| ROA (annualized) | 0.30% (p5 of band) | 1.26% |
| Net interest margin | 3.68% (p48 of band) | 3.70% |
| Efficiency ratio | 87.02% (p97 of band) | |
| Noncurrent loans | 0.59% (p56 of band) | 0.51% |
| Net charge-offs (annualized) | 0.04% (p60 of band) | |
| Reserve coverage of noncurrent | 193.32% | |
| Real estate % of loans | 82% | |
| Construction % of loans | 119.92% (p94 of band) | |
| Auto loans | $1.3M (0.07% of loans; DQ 1.71%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | -0.2% | |
| Employees | 589 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **expense ratio p90** (`earn_efficiency`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | losing money, expense ratio p90, NIM <2.5% |  |
| 2011-06 | 2 |  | NIM <2.5% |
| 2011-09 | 3 | capital falling |  |
| 2011-12 | 3 |  |  |
| 2012-03 | 3 |  |  |
| 2012-06 | 2 |  | expense ratio p90 |
| 2012-09 | 2 |  |  |
| 2012-12 | 3 | expense ratio p90 |  |
| 2013-03 | 3 |  |  |
| 2013-06 | 2 |  | capital falling |
| 2013-09 | 2 |  |  |
| 2013-12 | 4 | capital falling, reserve under noncurrent |  |
| 2014-03 | 1 |  | losing money, expense ratio p90, capital falling |
| 2014-06 | 2 | expense ratio p90 |  |
| 2014-09 | 3 | capital falling |  |
| 2014-12 | 2 |  | expense ratio p90 |
| 2015-03 | 1 |  | capital falling |
| 2015-06 | 1 |  |  |
| 2015-09 | 3 | capital falling, construction >100% equity |  |
| 2015-12 | 2 |  | reserve under noncurrent |
| 2016-03 | 2 |  |  |
| 2016-06 | 1 |  | construction >100% equity |
| 2016-09 | 0 |  | capital falling |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | expense ratio p90 |  |
| 2017-09 | 1 | construction >100% equity | expense ratio p90 |
| 2017-12 | 0 |  | construction >100% equity |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | capital falling |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 0 |  | capital falling |
| 2019-12 | 1 | expense ratio p90 |  |
| 2020-03 | 1 | capital falling | expense ratio p90 |
| 2020-06 | 1 |  |  |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 2 | capital falling, construction >100% equity |  |
| 2021-06 | 0 |  | capital falling, construction >100% equity |
| 2021-09 | 1 | uninsured deposits >50% |  |
| 2021-12 | 2 | capital falling |  |
| 2022-03 | 4 | AOCI drag >20% of equity, securities losses >30% of equity, construction >100% equity | capital falling |
| 2022-06 | 4 |  |  |
| 2022-09 | 3 |  | uninsured deposits >50% |
| 2022-12 | 3 |  |  |
| 2023-03 | 3 | losing money | AOCI drag >20% of equity |
| 2023-06 | 3 | capital falling | losing money |
| 2023-09 | 2 |  | capital falling |
| 2023-12 | 2 |  |  |
| 2024-03 | 3 | assets shrinking |  |
| 2024-06 | 3 | deposits shrinking | assets shrinking |
| 2024-09 | 1 |  | securities losses >30% of equity, deposits shrinking |
| 2024-12 | 3 | securities losses >30% of equity, expense ratio p90 |  |
| 2025-03 | 3 |  |  |
| 2025-06 | 3 |  |  |
| 2025-09 | 2 |  | securities losses >30% of equity |
| 2025-12 | 3 | uninsured deposits >50% |  |
| 2026-03 | 4 | losing money |  |
| 2026-06 | 3 |  | losing money |

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

- 2026-04-16 [Texas Regional Bank Announces Cross-Border Factoring Partnership with Capital X - Texas Border Business](https://news.google.com/rss/articles/CBMisgFBVV95cUxOX1QzaW1BQXN3clVWS3JsRVlHRmUwelhxWDJpVkoxam9uNzIwakVTM01SSE5IT1V3TXNsem9jNmREQndVN1prZDBHczVRdmhhdWZ0OWc4TVktOXBEU0wxd3JaQWY5TF9wRnZNT1hSQ2lzbHpFUWc0T2l1WENXMHF4Q0Y1cDU2bmQ2am5ycUNDeFYxbXBrQXVzTEF0VnI5TUlnQVQzMWI3YXhKM0JBMDdDeXJ3?oc=5) · Texas Border Business
- 2026-01-22 [Texas Regional Bank to offer personal, business banking in Frisco - Community Impact](https://news.google.com/rss/articles/CBMirgFBVV95cUxOeUlaNHZCQ3dXcUdCdkhUdEcyQXBSeFQ5U2tNekF1VW0wbkxIYkJuM0tIV2Z5NFJTNnNhZU8wQWlCT2ZsUTZZQXdobWZBY0w5VkhPOEU4ZmtfT1lfRUpfNW1talBWZ0FXdWEwTGpZNXQ1M1F6RTl1bTZSbmktbmpnejJNNV93Sml3bDAyT1duVHJxd1F6NXB4REEwWi1HYnRZS3g5MVZlU2txWW1SeGc?oc=5) · Community Impact
- 2026-01-13 [Texas Regional Bank targets Hill Country growth with two new banking centers - The Business Journals](https://news.google.com/rss/articles/CBMirgFBVV95cUxPS2hrcmIxU1dwaklTMUlJREpBcmxNVXd3S05wWW9WTk1DalVwQzMyLVREMkNiNWpWZnpIR2lxcTFBWXh2SUhnQ1dXcWlBa0NTbDFqLVJkZG9UN0JueGxEZWgteXYxZ2FEZ3NpbGpnSlBXS2ViZWFJbWNTT0FKTzMzbVdwc01zaUFzLTA0RnRROWg1SEVXZzMxMzFqVnh6ZW1ybG1EaFRyVXA0b3hLZmc?oc=5) · The Business Journals
- 2026-02-05 [Texas Regional Bank Opens Newest Houston-Area Location in Magnolia - PR Newswire](https://news.google.com/rss/articles/CBMivwFBVV95cUxQME1SYzZBbm9OT0ZybGZGMDc3RzVpV3JzZmlZdWZodkYzdWpHOWR5Ujl1aUw3WGd0SkZEZ19xVkpTeTRvZ0JlSG1PUzRiRnNUZ0RqM1JTWllNZmF3aGZ0Y0hiaGVBQjZWT0pZZlA1R0VnTXBnOVkyN2hKc1BSVFNwajI0WTE5REZFa0w3R1N3WFVwWm00RV9kYTJMSGc5SGx5QzBwenRqc1diVVM2LXJXZ1hIamtDdExkdmxXQTcyRQ?oc=5) · PR Newswire
- 2026-02-26 [$1.1 Million Grant from FHLB Dallas and Texas Regional Bank Helps Transform Historic Hotel into Affordable Housing Apartments in Brownsville, Texas - Business Wire](https://news.google.com/rss/articles/CBMirgJBVV95cUxPVFN5a2xVSXZRcHF5YmdKa1Vhd1BzOHpYNFlfYk42T1dEd0ZhNGFRWjlfaUVGTUlraDFYLS1RY1dSMDhMQ0oxcmh2Z296NnczZ3NNY0QySVphTUl4LWE3Q3E3NGpJdjRTSFZ2Q05vbDFxMXlLNzFNSnBRNmZqTmRHckxoTGQzamNPcGRQcGRBS21PVzJhVmM2eUxPTk5vemxVcjNuMFF0ekNwUV9mRTJxM0FxUTEyUjJ6RlVQd1NkN0xsSTlCT2pWSnFQNXJJTlVjeXg0bzJhT2VwbU1ZX3ZxUG9pT1NKMHFEWUdPeHQzQnBNVk45bDJtbE5oQ2RWQW1Kb2I1Sl9RakRGQU11cWd4aW9qWVJ3YVJDVDZ2V0pPNmNwa21aUk9NQ1lZaWw1dw?oc=5) · Business Wire
- 2026-07-31 [Texas Regional Bank CEO Calls for Fraud Awareness in Every Texas Home and Business - Texas Border Business](https://news.google.com/rss/articles/CBMitgFBVV95cUxOWmliUVNhOHJQYWo1NHNBaFlnNFpNWG83X0g5RTRScHp6UFdUR1VWNnRMWlZ4eV9RSkNnbE9adWxtbjhjNWlnbFJaeEVxc1NjRWV1dkpZRDhhdFp5TlFqcExLcTQ1REdfcGNZdFlsbjR1SXNyakk4UE1ZYXlVWmg3Szl1WWxQVXVRQXRLUGZINzQxeTFYRms5QWIteFJnckR5NEdsQk1zangzaHhkdGEyVks1clR3UQ?oc=5) · Texas Border Business
- 2026-02-10 [Texas Regional Bank opens new branch in Boerne - Community Impact](https://news.google.com/rss/articles/CBMinAFBVV95cUxNc0hocTh2Wkp1VVh4TTZCdzB3T1RxdENGODRscTQ1TmtSajY5X09TMHZoeDB1ZGF2amxDaVFQd1JKTTJ0VmhoX2ZNUXU1dVEzd3lJR29lblhUSHZmbkNfSmJiZ2RNSnBNcTM5NnBMWFVrb0xDMnV5aFJDUW9FR2M2WTJfNU5SYUJPdExBZTdIX1YxeWpkcHc3bER2YXY?oc=5) · Community Impact
- 2025-12-01 [Texas Regional Bank leases office in major downtown Houston tower to expand capital markets team - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQajRQb2J3MmNyaFJFYWFqWDV3MGV2NE1JdU95eWk2UnZnQUxnS0F6U25ZNHJ0eXBSS3NVSnZ6eHR5RkhXR1BBeVBEMnNsOEo0U1V2UkhGVVlmZF9UU0h1OG9pMVdkNUtBZThMZ1hhem44VkRIVDFBaDd6X1VQVVNIZXIxSkhMZ1hIcUZJTWdDUHJBRTlVVl9rSnJLX3FGa0NlMkpqMmV4MTZzbkE?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=26906 (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/26.json (key "26906", 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