# TEXAS BANK FINANCIAL
WEATHERFORD, TX · FDIC certificate 26967 · asset band $300M-1B · latest filing 2021-12 · stopped filing (departed)

**Verdict on the desk:** this could be *run candidate*. Composite score 2 (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 | $759.5M | |
| Deposits | $668.2M | |
| Loans and leases | $651.2M | |
| Total equity | $79.2M | |
| Loans / deposits | 96.20% (p93 of band) | 68.49% |
| Liquid assets / assets | 12.92% (p4 of band) | |
| Uninsured deposits / deposits | 64.66% (p98 of band) | 27.18% |
| Brokered deposits | 5.30% | |
| Wholesale funding | 6.62% (p79 of band) | |
| FHLB advances / assets | 1.32% | |
| Tier 1 leverage | 11.41% (p78 of band) | 9.74% |
| Unrealized securities loss / equity | -0.26% (p43 of band) | 0.00% |
| AOCI / equity | -0.41% (p81 of band) | |
| ROA (annualized) | 3.26% (p98 of band) | 1.15% |
| Net interest margin | 5.60% (p99 of band) | 3.31% |
| Efficiency ratio | 51.42% (p16 of band) | |
| Noncurrent loans | 0.33% (p51 of band) | 0.31% |
| Net charge-offs (annualized) | 0.00% (p34 of band) | |
| Reserve coverage of noncurrent | 392.01% | |
| Real estate % of loans | 99% | |
| Construction % of loans | 76.88% (p81 of band) | |
| Auto loans | $201,000 (0.03% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 38.2% | |
| Employees | 157 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **run vulnerability** (`liq_runrisk`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 0 |  | reserve under noncurrent |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | deposits shrinking |  |
| 2012-06 | 3 | assets shrinking, uninsured deposits leaving |  |
| 2012-09 | 2 |  | assets shrinking |
| 2012-12 | 1 | charge-offs p90 | deposits shrinking, uninsured deposits leaving |
| 2013-03 | 1 | capital falling | charge-offs p90 |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | capital falling |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 | construction >100% equity | capital falling |
| 2014-09 | 1 |  |  |
| 2014-12 | 2 | reserve under noncurrent |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 3 | loans exceed deposits, liquid assets <10%, charge-offs p90 | construction >100% equity, reserve under noncurrent |
| 2015-09 | 0 |  | loans exceed deposits, liquid assets <10%, charge-offs p90 |
| 2015-12 | 1 | liquid assets <10% |  |
| 2016-03 | 1 | charge-offs p90 | liquid assets <10% |
| 2016-06 | 0 |  | charge-offs p90 |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | capital falling |  |
| 2017-12 | 0 |  | capital falling |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | construction >100% equity |  |
| 2018-09 | 2 | capital falling |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 1 |  | construction >100% equity |
| 2019-09 | 0 |  | capital falling |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | reserve under noncurrent |  |
| 2020-09 | 2 | loans exceed deposits, liquid assets <10% | reserve under noncurrent |
| 2020-12 | 0 |  | loans exceed deposits, liquid assets <10% |
| 2021-03 | 2 | uninsured deposits >50%, run vulnerability |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |

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

- 2021-10-16 [TexasBank merges with Texas Bank Financial - The Flash Today Erath County](https://news.google.com/rss/articles/CBMihwFBVV95cUxPd2xyV3dKeHU1ZzFKLWRhaWpOaXBtRU5uUTBHZmF1aUdYY09pcFRzd1B5b3VlQ0hwTE55S2pZR0xPX3pxMnhIUlpQdmttcGVYeThLMEd5dlA5cUhjcDhsN1l0cldOV2tQb3pPSHdCMHZDQ3V1X2VCMmMxVTFSRE41ajcxdzFOMXM?oc=5) · The Flash Today Erath County
- 2026-08-07 [TexasBank Announces Leadership Changes to Expand Community Impact Across Central Texas - The Flash Today Erath County](https://news.google.com/rss/articles/CBMiwgFBVV95cUxPNlB3b3JTSHRxcWdlYVZ3eXZSU09kMDBwV2lVM0RHZ3RxTWRzbnNscmIxWG9LR0JUeU41a2ktc2Fxa0ZRaVdaYXg2eU1xcThUTzRJelc0QUtuZXFsb2F3UzQ1RVVPOGxKTEVYRm92aGtYZHhRTEI3cHQtbDFyQUpJaEhrY2RxaXJMcFdPVWoyZGliclBWSWFQb08yeUoweEt0OWNBU0E4MEliR2hUeGpMWGp5VS1OV1MtU1VfS1dYRkFmUQ?oc=5) · The Flash Today Erath County
- 2024-04-02 [Sean Philip Briggs Obituary Oct 5, 2012 - White's Funeral Homes](https://news.google.com/rss/articles/CBMiXEFVX3lxTFAwc29yRTVLcmNUaGpTNzViM09RbXZJUGpGTjdQSlRkZDV1QTJpODBhcm1ybGNLclY0T3B2c3BGZU5nbGZfLWNiX0pJaUFxZlZXeElpNnNUMXhHUllU?oc=5) · White's Funeral Homes
- 2026-01-30 [Court Records 1/30/26 - Brownwood News](https://news.google.com/rss/articles/CBMicEFVX3lxTE9hMlZfM0MtU1VjMzMtOUZDSldYVndoQ3lHcmprVWtZMzlvT1dxSDJvTS1OYmtNR1A2QUxPTk40bFhCc0xHNzkxVzZ5akswcFQ0cHpjZWVVLTh3c1lKLXdrQlllZ1hNTVpUQ0FWZDh2Z3I?oc=5) · Brownwood News
- 2020-06-09 [These North Texas seniors aren’t just graduates; they are also halfway through college - Fort Worth Star-Telegram](https://news.google.com/rss/articles/CBMifEFVX3lxTE9rQ3c1Ym8yNHNxcUItc2twVFFGS001SDF1UTQ4VUdxRTNDMDlvWXVNRDFOTVRyM3A4UWY1X3NpYWVicUl4RndqRFNwVDI5TVNWbGRCWGEwRW1kaVBaRk9pbkFFazU0N0p6b0lHY0dFZWFONDVzc2VYdXp0RmzSAXxBVV95cUxPSzZTS1U1OUNUeF9JOS1ITDFVS2ljeXJpbVNraWxRVHdqREdQRDh0dXZCX0ZmY2JudGFyMklfYTFTQk9HdWNhQk5VOTFZQ2dmcENCY212Ym9wRENpOU1IYnJQV245U3NGa0sybXZ3ZVFoN3UzTG9kYUlCQ2ZJ?oc=5) · Fort Worth Star-Telegram
- 2015-06-29 [Fred Herbert Potter Obituary Jun 29, 2015 - Galbreaith Pickard Funeral Chapel](https://news.google.com/rss/articles/CBMickFVX3lxTE9nUDk5YUgwWkJTQVI3ck1fS0ptbWVmUEwzMVhTMkxEbVBnRjdFN3oyUDktTEZwRFFTQllOZXptQjFhOG1JalNKanNyNF9ZTHdjQ25xVjZHZzloaE9wdDJQLVllMDg3Sm9uVlVUZWJSUWRjUQ?oc=5) · Galbreaith Pickard Funeral Chapel
- 2019-06-18 [[Update: 8 more banks] Google Pay adds 57 US banks and credit unions to its already enormous support list - androidpolice.com](https://news.google.com/rss/articles/CBMiwgFBVV95cUxPSjhTQUN1SFZQZDB1ekU5cHJlM201ckRZcllldUJhd1JxaVhqc1lnVzVQaW9jZEJ2M2dNd1ZVVjlUclhITE45eXE1N043Mk1sNkJfTW5JYmhRRy1rWEY5bU5tN1p6S1ZjbmZxTzNveDhNaVF2eGFGMUJROFhOTkIwdE5RRWkxRFN0UFlobmJNajZJcDROSmhES0c3WE1kWHhJckh2bExsc0IzaG1LWDVEYlg3amZKYWdOMFBkYzNNdVo2Zw?oc=5) · androidpolice.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=26967 (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/23.json (key "26967", 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