# VINTAGE BANK
WAXAHACHIE, TX · FDIC certificate 3089 · asset band <$300M · latest filing 2015-03 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $174.3M | |
| Deposits | $155.3M | |
| Loans and leases | $127.5M | |
| Total equity | $18.5M | |
| Loans / deposits | 81.05% (p70 of band) | 70.43% |
| Liquid assets / assets | 21.76% (p22 of band) | |
| Uninsured deposits / deposits | 13.28% (p50 of band) | 13.33% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p19 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.21% (p45 of band) | 10.49% |
| Unrealized securities loss / equity | -0.24% (p9 of band) | 1.32% |
| AOCI / equity | 0.16% (p33 of band) | |
| ROA (annualized) | 1.60% (p87 of band) | 0.80% |
| Net interest margin | 4.24% (p83 of band) | 3.57% |
| Efficiency ratio | 66.73% (p33 of band) | |
| Noncurrent loans | 1.15% (p61 of band) | 0.77% |
| Net charge-offs (annualized) | 0.02% (p66 of band) | |
| Reserve coverage of noncurrent | 107.48% | |
| Real estate % of loans | 75% | |
| Construction % of loans | 118.51% (p97 of band) | |
| Auto loans | $1.1M (0.90% of loans; DQ 1.14%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 3.9% | |
| Employees | 37 | |

## Flags firing in the latest filing

- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 | uninsured deposits leaving | reserve under noncurrent |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 0 |  | uninsured deposits leaving |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | construction >100% equity |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 2 | capital falling |  |
| 2014-09 | 1 |  | capital falling |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |

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

- 2014-12-24 [Vintage Bank to partner with InterBank - Online Athens](https://news.google.com/rss/articles/CBMilwFBVV95cUxPXzhjZGVINWZMR1B5ZHl4WlZXZkI1QWNhelVIUGtGWUc3aFpVMko3T3lUd3U1UkxEeWhYeng4X2x0OFM4QUxzZm9GSHEtUTNaTmFDcldFSEc5Qm1Ba1loVU9yRGVJbXdoaVdzWVJFUFo1ZGJNaWVsbTRKeG92SXhISWZ5Q3Roc2VyOHc4TTYxRzJyanFsdnVn?oc=5) · Online Athens
- 2010-10-15 [Texas Bank Robbery Escalates Into Possible Hostage Situation, Nearby School in Lockdown - CBS News](https://news.google.com/rss/articles/CBMitwFBVV95cUxPYmxqN1ZuR21qcy1BamJ2MFRhZC1SSjFQX3lNb0V6b00xLW9reHV6VXY3RmE4UmhnTkdNZUIyb2FFVE9aOWNobzl4V0ZNWkViYU43SkpraXhKUmdBMmlLSVc4bkdVbFRrLUhpbTFXNkxYMm00NUxIOW1HTXBqajlFYmp0N0VyM0tJOF9DNjhfZWtvSEVxalN2NE9YOVhsWHpYNW9pZWJ6dXo5NVcwQ1RvbTJvUzFHcFU?oc=5) · CBS News
- 2010-10-15 [Women Restrained with Zip Ties, Forced into Vault - NBC 5 Dallas-Fort Worth](https://news.google.com/rss/articles/CBMioAFBVV95cUxNdlNZVmh0U2M0YzNDdnUwMzdYakxmaVpCcnhOZ1VSQUliSnBaQUt0TXFVUlAtTmJtNEQ0NU9xVkNOdnVGcDFac0xRaGpSUFdFdDhoeXhnMnBNNkNSSkw0aTExeU1MSmFnQ0hjZHN0QVQzU0VVZmhsUllCQm50Qk9MY081aGRDTWU5eWpfUWJkc0RWdFRONFNhaV9NS3RYaHhY0gGoAUFVX3lxTFBHOFJLSjd5WXlQaUZYdXRwMW5MTUlOeXZDQ0MtQ3VWdjVxX3NwSS1fZnhFVWY4dzlldFRJUm9EWjZZMVdLTnNRT1NibXZXdGRaY29WZDFiYTlENXd2U1J5WWtnVjdsV2htWmQ5ekFJbEhnVVhfQUJQUy1rUXliSDFxWEo5azYtc1VzTnpydUxQUDZfcXhhLW1JdUtETlZUVzQ1QUlSanVXMg?oc=5) · NBC 5 Dallas-Fort Worth
- 2025-12-07 [Lucky woman thrifts ‘hideous’ piggy bank – shocked to find $2,028 hidden inside - New York Post](https://news.google.com/rss/articles/CBMilwFBVV95cUxNb0VMZkNXUWx5bzdZUE40S0RZQ1FaMVhFWjBjdHdqQjNrMGhSdlNvQ0J1MmhiTEwtR3hERkFMMTUxQnlUWE95WWF4OWpFcTJIQURubXlXb1h2OG1DejNPUlRWYzAxT2JYUjFSLXByVVNobXh1Tl9xTjN5R3B6N01GNlFULVV6R1ZXOXdtdXlCN1g1SUQxS0dZ?oc=5) · New York Post
- 2019-05-23 [And It Shall Be Called Bank of America Tower: Houston’s New Skyscraper is Complete - Realty News Report](https://news.google.com/rss/articles/CBMirwFBVV95cUxNLWpOMVByMWVvYjRDcEJaYkhEV1hESkRnUEtldFBMdUdDRy1OMTlTc1MwVDBZX2dnaTh1elktMXR2NElFd2paTnY2XzE3WWg1Wmx6cWdwd05Bd3V4NkhJdzU0cEZ1aWp0X20zNkJYREFHYktBdjd2V1NfZWgzZDVraURmN28zdVdCc2syNkpnTlUwcFVZbHBUdGEwVW1YM0tzb3lBc2U3OTA4VlJzb01J?oc=5) · Realty News Report
- 2020-03-11 [Texas Courthouse Project Will Meet Growing County Needs - Correctional News](https://news.google.com/rss/articles/CBMinwFBVV95cUxONlhMajlzZlZMNTZ0V0pMVXkxUTBJUFc5QXJKdEVia3NVcXBLU1daVTltR0Z5dHp5Sm5rU0FCRE5PNlZHLW9PdEFBOFNqLUxaM2FVTi1DNGNUcHFJakg0aTA5N2ItLVRpamVRM3FueXMyMno0T1pPYmh3VXE0c2RDNXNpTjFEWFBvTmFvakRuZ09XMjBFdTFpVEZ5Z2VxbUE?oc=5) · Correctional News
- 2006-10-06 [Kayse Schoolfield Obituary (2006) - Waxahachie - Dallas News](https://news.google.com/rss/articles/CBMipwFBVV95cUxNYWVLQ0N3Y3lHbXBjN05vc1FqTG05alBoOGg1WGpjbnRCOS14dml4M3dUS3hIMHBDbUxZMHgzWTNxNUlaWEVpLS0zUWZ0VS1LeFg3MkZCd1d2eU9oUThWTVBINUZibjRvR3RyaGZKeEpkNUdIZW56NW1NTVNBbzBlU1hjcXYtclFweDhWOVNVV3BRTktuZFIydUEwNFZKeWJGazJpQlYwbw?oc=5) · Dallas News
- 2023-03-01 [This Vault In Montpelier, Idaho May Hold A Piece of History - Only In Your State](https://news.google.com/rss/articles/CBMiY0FVX3lxTE9McjFKU2NUSUhGc1gxTy1FQmgtQ0ZGaS1JdkV4VVpGNWR1T29ZQ2d1Ujh2UUpuZ3ZzZFB1Z1lwVFltZ19CRGttUHNrQkItUTl3b19WYzdqcFRqRktzcEtxZ1NWVQ?oc=5) · Only In Your State

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3089 (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/17.json (key "3089", 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