# NEXBANK
DALLAS, TX · FDIC certificate 29209 · asset band $10-100B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *lender to lenders*. Composite score 4 (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 | $14.16B | |
| Deposits | $11.05B | |
| Loans and leases | $9.34B | |
| Total equity | $1.19B | |
| Loans / deposits | 84.17% (p44 of band) | 85.78% |
| Liquid assets / assets | 25.62% (p62 of band) | |
| Uninsured deposits / deposits | 13.04% (p16 of band) | 38.39% |
| Brokered deposits | 4.39% | |
| Wholesale funding | 17.45% (p85 of band) | |
| FHLB advances / assets | 13.07% | |
| Tier 1 leverage | 9.07% (p21 of band) | 10.17% |
| Unrealized securities loss / equity | -11.70% (p28 of band) | -7.43% |
| AOCI / equity | 0.29% (p91 of band) | |
| ROA (annualized) | 1.05% (p32 of band) | 1.24% |
| Net interest margin | 2.31% (p12 of band) | 3.57% |
| Efficiency ratio | 50.84% (p38 of band) | |
| Noncurrent loans | 1.47% (p86 of band) | 0.66% |
| Net charge-offs (annualized) | 0.04% (p32 of band) | |
| Reserve coverage of noncurrent | 28.18% | |
| Real estate % of loans | 80% | |
| Construction % of loans | 10.29% (p26 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $1.73B (145% of equity) (p92 of band) | |
| Deposits YoY | 3.3% | |
| Employees | 103 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)
- **NIM <2.5%** (`earn_nim`)
- **reserve under noncurrent** (`aq_reserve`)
- **loans-to-lenders >50% equity** (`conc_warehouse`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 7 | brokered >10%, wholesale funding >15%, securities losses >30% of equity, losing money, expense ratio p90, NIM <2.5%, reserve under noncurrent |  |
| 2011-06 | 6 |  | securities losses >30% of equity |
| 2011-09 | 5 |  | brokered >10% |
| 2011-12 | 5 | capital falling | reserve under noncurrent |
| 2012-03 | 3 | charge-offs p90, uninsured deposits leaving | losing money, expense ratio p90, NIM <2.5%, capital falling |
| 2012-06 | 1 |  | wholesale funding >15%, charge-offs p90 |
| 2012-09 | 1 | wholesale funding >15% | uninsured deposits leaving |
| 2012-12 | 4 | loans exceed deposits, capital falling, loans-to-lenders >50% equity |  |
| 2013-03 | 2 |  | wholesale funding >15%, loans exceed deposits |
| 2013-06 | 1 | loans exceed deposits | capital falling, loans-to-lenders >50% equity |
| 2013-09 | 1 | uninsured deposits >50% | loans exceed deposits |
| 2013-12 | 3 | capital falling, loans-to-lenders >50% equity |  |
| 2014-03 | 3 | run vulnerability | capital falling |
| 2014-06 | 5 | loans exceed deposits, wholesale funding >15% |  |
| 2014-09 | 5 |  |  |
| 2014-12 | 4 | capital falling | loans exceed deposits, wholesale funding >15% |
| 2015-03 | 4 | wholesale funding >15% | capital falling |
| 2015-06 | 3 |  | wholesale funding >15% |
| 2015-09 | 4 | loans exceed deposits |  |
| 2015-12 | 4 | wholesale funding >15% | run vulnerability |
| 2016-03 | 4 |  |  |
| 2016-06 | 2 |  | uninsured deposits >50%, loans exceed deposits |
| 2016-09 | 1 |  | wholesale funding >15% |
| 2016-12 | 2 | wholesale funding >15% |  |
| 2017-03 | 3 | uninsured deposits >50%, NIM <2.5% | wholesale funding >15% |
| 2017-06 | 2 |  | uninsured deposits >50% |
| 2017-09 | 4 | leverage <7%, capital falling |  |
| 2017-12 | 4 | wholesale funding >15% | capital falling |
| 2018-03 | 3 |  | leverage <7% |
| 2018-06 | 5 | deposits shrinking, uninsured deposits leaving |  |
| 2018-09 | 5 |  |  |
| 2018-12 | 6 | brokered >10% |  |
| 2019-03 | 5 |  | deposits shrinking |
| 2019-06 | 3 | capital falling | wholesale funding >15%, uninsured deposits leaving, brokered >10% |
| 2019-09 | 4 | wholesale funding >15% |  |
| 2019-12 | 3 |  | capital falling |
| 2020-03 | 5 | loans exceed deposits, AOCI drag >20% of equity |  |
| 2020-06 | 6 | brokered >10%, reserve under noncurrent | loans exceed deposits |
| 2020-09 | 7 | deposits shrinking, assets shrinking | brokered >10% |
| 2020-12 | 6 |  | deposits shrinking |
| 2021-03 | 6 | capital falling | AOCI drag >20% of equity |
| 2021-06 | 4 |  | assets shrinking, capital falling |
| 2021-09 | 4 |  |  |
| 2021-12 | 6 | uninsured deposits >50%, brokered >10% |  |
| 2022-03 | 6 | capital falling | NIM <2.5% |
| 2022-06 | 5 |  | reserve under noncurrent |
| 2022-09 | 4 |  | uninsured deposits >50% |
| 2022-12 | 4 |  |  |
| 2023-03 | 5 | NIM <2.5%, uninsured deposits leaving | capital falling |
| 2023-06 | 6 | reserve under noncurrent |  |
| 2023-09 | 7 | capital falling |  |
| 2023-12 | 6 |  | capital falling |
| 2024-03 | 5 |  | uninsured deposits leaving |
| 2024-06 | 4 |  | brokered >10% |
| 2024-09 | 7 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2024-12 | 7 |  |  |
| 2025-03 | 7 |  |  |
| 2025-06 | 7 |  |  |
| 2025-09 | 5 |  | deposits shrinking, assets shrinking |
| 2025-12 | 6 | capital falling |  |
| 2026-03 | 5 |  | capital falling |
| 2026-06 | 4 |  | uninsured deposits leaving |

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

- 2026-06-11 [NexBank Ranked as a Top Mortgage Lender for Fifth Consecutive Year - PR Newswire](https://news.google.com/rss/articles/CBMivwFBVV95cUxPSXZ4ZGZTcVRxbHVJcjBKOVpYS1RtNUZqNVZ3WjZiamRxYjFHemZ6TG1fU2RaVkFxeXdZN0Mwd3MtVGY1QjQyRU5UdFFyRGpoMGNXeF9laGtNU28wdlVTYmlITk0wMnJMYlBpQjJSOE9veGJhZ1hIWDAtNXB4bTFxYzROakVfejl4cVUtakhkS25fbG15RUNEWS15Q05xNDVoMlJNdm83cDVuQWFrSmc5cnR2OG1uQ1czNHhXMV85TQ?oc=5) · PR Newswire
- 2025-09-24 [Southwestern University Partners with NexBank to Create Comprehensive Financial Literacy Initiative - Southwestern University](https://news.google.com/rss/articles/CBMimAFBVV95cUxNVXNFb3MxMmFSb0o5OGJMX3dicjNVUUlibGJPZTUzZkdMc3hwTnJaaTQ1bG9iNW4xWkhRdFJBYm1BaWh5eV9lX1h6M1VwWWtLemFaQ3lrZEJqdVJMSFJud1RXTE1zcFNfNzJUMDgzME1ic3hGVGlvRmptSUhLSUpVM0NKdFlJTlNMaWphS09RaGt0V2NPVWw0eQ?oc=5) · Southwestern University
- 2022-12-14 [NexBank promotes Brian Ralston to new role - HousingWire](https://news.google.com/rss/articles/CBMihwFBVV95cUxQeC1OaWVkemh3cUwxN2hsbWNzMll0MW01NmdRZWM4LU1BazFlUjVENDFuSU4xSUszOGs5OWYzbVV5a1FoUGFRRmU4Y0NKMXZ4LTBFVUNrc1RTcFZnUFN0cTVRMDhHQzJ3cVRKTV9hN0EtTXEtQkdzeE5QbGRTTVh5cDZ5Q0R6R2M?oc=5) · HousingWire
- 2023-04-06 [DFW Bank Snapshot: Take a closer look at NexBank - The Business Journals](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQeFEyRlVhak0wWmpxWG9mZWd2Y2gweWUtN0RSaEpDczJ3TXpwSGprcTlGRTU4QkxNNUJ1Mk9NTF9CdHJqaHpMN0o3dEc5am9EdVJUV0JqZHplbmdQcm5PLWR2a181dEphbzNzSkFmTXd1cjBFXzlpUFlVOGRLTGc2cU9aTXhXTUFf?oc=5) · The Business Journals
- 2014-02-17 [Bank Fraud Lawsuits Target NexBank Securities, A Client, Accountants and Lawyer - The Texas Lawbook](https://news.google.com/rss/articles/CBMimgFBVV95cUxOU0Nab3l5aXFsTHlQWGRwamlkR0Y0dm1jOV9UY0dmY3ZFS1BhcEZqYzNtelprZWNsMjNwbGtkY2tCcW9ESE9fbDIyeVZZeWpjWk9TemsxZ3VXYkx6U2Vncl95V3pTeFdwM2VGMi1aREJCM2IzelNRR25DUXdyNW9RRlZINkkwYS1QVFlLRXBMSkFtWW52TjZEc193?oc=5) · The Texas Lawbook
- 2022-12-12 [NexBank Promotes Brian Ralston to EVP - citybiz.co](https://news.google.com/rss/articles/CBMiggFBVV95cUxOSzFSUWNramV3Q1Q5RkFoS2Yzd3phZDZqSDQ4S0twci11Wm1Fcl9tRHpUVUFUMXdSQm5RLVdVMWFuV1dacnNsNTRpU1BPaDJjT0laZnEtYjZ3UEJybW9pQmtjTDRtcnNEVHZOWnNDNGZoaWpyZEg2cHdNdENwelgxQWdR?oc=5) · citybiz.co
- 2025-12-16 [NexBank Review: High APY Savings via Raisin - The Motley Fool](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE1tcmlVNXF5Yk9sZVFSVmIzb1VHNmhROEt4MVZNaEtxbXQ3ZUtjRjFadjI3WEtLRzc2NllGTDF2YmtNakgtZFlkT0N0eUhYZTRRWnVBNEdIeWJSa0hmaGQ5RFVZQVd6STg?oc=5) · The Motley Fool
- 2022-11-04 [DI People: Dynata, AMN Healthcare, Mary Kay Announce Moves at the Top - Dallas Innovates](https://news.google.com/rss/articles/CBMimwFBVV95cUxQVDRJb0tJTjU1anV4Rk45amFLV3NXUTF5NFVtckpFM01INExYN1BlbGg1QzFjOG1HaVcyMU5IeklEeDd4VHJMY1F5WGFmSEtVVlFZb1ZQeGFQbXRjd0JGY2s4c2J6a21abWxGeUhlXzRnWEpRaXVHNm1BbnNSOHh0bnVROWd3X05yajMyTjFCRU1jM0RHbkQwRG16QQ?oc=5) · Dallas Innovates

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=29209 (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 "29209", 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