# BROADSTREET BANK SSB
MINEOLA, TX · FDIC certificate 28868 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $442.8M | |
| Deposits | $343.4M | |
| Loans and leases | $317.7M | |
| Total equity | $49.8M | |
| Loans / deposits | 91.45% (p74 of band) | 82.04% |
| Liquid assets / assets | 20.64% (p34 of band) | |
| Uninsured deposits / deposits | 15.32% (p14 of band) | 25.97% |
| Brokered deposits | 4.06% | |
| Wholesale funding | 14.56% (p86 of band) | |
| FHLB advances / assets | 10.49% | |
| Tier 1 leverage | 12.13% (p70 of band) | 10.81% |
| Unrealized securities loss / equity | -11.20% (p40 of band) | -8.10% |
| AOCI / equity | -0.18% (p60 of band) | |
| ROA (annualized) | 0.94% (p29 of band) | 1.28% |
| Net interest margin | 3.64% (p35 of band) | 3.91% |
| Efficiency ratio | 70.63% (p75 of band) | |
| Noncurrent loans | 0.44% (p51 of band) | 0.43% |
| Net charge-offs (annualized) | 0.01% (p51 of band) | |
| Reserve coverage of noncurrent | 255.25% | |
| Real estate % of loans | 91% | |
| Construction % of loans | 88.73% (p82 of band) | |
| Auto loans | $540,000 (0.17% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -0.5% | |
| Employees | 70 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | reserve under noncurrent |  |
| 2013-09 | 2 | capital falling |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 1 |  | reserve under noncurrent |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 3 | wholesale funding >15%, reserve under noncurrent |  |
| 2015-09 | 4 | loans exceed deposits |  |
| 2015-12 | 3 |  | wholesale funding >15% |
| 2016-03 | 1 |  | capital falling, reserve under noncurrent |
| 2016-06 | 0 |  | loans exceed deposits |
| 2016-09 | 1 | reserve under noncurrent |  |
| 2016-12 | 0 |  | reserve under noncurrent |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | capital falling |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 0 |  | capital falling |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | capital falling |  |
| 2019-03 | 3 | expense ratio p90, reserve under noncurrent |  |
| 2019-06 | 1 |  | expense ratio p90, reserve under noncurrent |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | reserve under noncurrent |  |
| 2020-03 | 0 |  | capital falling, reserve under noncurrent |
| 2020-06 | 0 |  |  |
| 2020-09 | 2 | capital falling, reserve under noncurrent |  |
| 2020-12 | 1 |  | reserve under noncurrent |
| 2021-03 | 2 | expense ratio p90 |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 | reserve under noncurrent | capital falling |
| 2021-12 | 2 |  |  |
| 2022-03 | 1 | capital falling | expense ratio p90, reserve under noncurrent |
| 2022-06 | 1 |  |  |
| 2022-09 | 0 |  | capital falling |
| 2022-12 | 1 | wholesale funding >15% |  |
| 2023-03 | 4 | capital falling, losing money, construction >100% equity |  |
| 2023-06 | 5 | uninsured deposits leaving |  |
| 2023-09 | 4 | securities losses >30% of equity | capital falling, construction >100% equity |
| 2023-12 | 3 | expense ratio p90 | uninsured deposits leaving, securities losses >30% of equity |
| 2024-03 | 3 | capital falling | expense ratio p90 |
| 2024-06 | 4 | expense ratio p90, construction >100% equity | capital falling |
| 2024-09 | 4 |  |  |
| 2024-12 | 4 |  |  |
| 2025-03 | 2 |  | losing money, expense ratio p90 |
| 2025-06 | 4 | noncurrent p90, reserve under noncurrent |  |
| 2025-09 | 2 |  | noncurrent p90, reserve under noncurrent |
| 2025-12 | 0 |  | wholesale funding >15%, construction >100% equity |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2026-08-25 [Texas Community Bancshares, Inc. Announces Quarterly Cash Dividend - Sahm](https://news.google.com/rss/articles/CBMitwFBVV95cUxPeXVXZHEzS21Xb1pRUlluUWNHRWM4a3lBRF9UNE96NWptQV9aVlRDcW1RMUpVZGRBNVlDNEJfc3VDN2RBU09mblFoNmpMQnQ5UXhUZnZNUUhMb0xPV09MbTFIV19jdmRxa0Q1d2F6VThJWTFKNGdBeTJXYUhOUDdtVm90QUFScWZNZml3RlRZclZFVGJaY0MzbzlqRnc0TVl1bXVXd2NPRkt6cFpfZVo4UWI0Y0ZxcGc?oc=5) · Sahm
- 2026-05-19 [Northeast Texas bank lifts quarterly dividend to $0.06 a share - stocktitan.net](https://news.google.com/rss/articles/CBMirwFBVV95cUxQV09fSUdpN25kbkd1a1Z5TnJqZ0s2ZFd4VTVWcnFOaHFzVlJPQktPbkhrd0tvY2IxTl9ZNzN0QVJGTUZYeEdOcU45VWRXNUs0M29RNjVCbE9lVHVfZjF3US1iMGFMVzV1WF8zcFpLcTgyU0hHQUF4VGlHR05zZGk4Z3p2U1UyQy1VSl9KV1JwOEtQcUFsOEloRTVPNFlkMlk5UVc1WndJcWw1U0RwZjJz?oc=5) · stocktitan.net
- 2025-11-13 [Texas Community Bancshares, Inc. Announces Chief Financial Officer Transition - Nasdaq](https://news.google.com/rss/articles/CBMivAFBVV95cUxPcHVfMVlqNlJzNGZNNjJXbEhYdlh1M1oxc21JZzRHcmIzR2VuOGt2c1JGbk1fdFdjOEp6cWZqYXFKclRJUUFOU3dKelYxME5Ia1ROWjRqdlJENjdIS1d3cEJ3YXI3TWctUU05OE8tajNBVnRqdVAwbE9yVkdrSHRjcWFJR2NoaVprUDJwUzlIcVhJSll1SS1IdjF6dExTNEtXNHZRcjVUSWZ5Q29BRGhEY2o5ck5YczNudl9YYw?oc=5) · Nasdaq

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=28868 (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/4.json (key "28868", 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