# CENDERA BANK
BELLS, TX · FDIC certificate 3098 · asset band <$300M · 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 | $257.6M | |
| Deposits | $228.5M | |
| Loans and leases | $201.2M | |
| Total equity | $27.4M | |
| Loans / deposits | 87.12% (p75 of band) | 73.59% |
| Liquid assets / assets | 16.73% (p15 of band) | |
| Uninsured deposits / deposits | 38.49% (p91 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.25% (p43 of band) | 11.76% |
| Unrealized securities loss / equity | -0.32% (p85 of band) | -6.57% |
| AOCI / equity | -0.42% (p48 of band) | |
| ROA (annualized) | 0.37% (p14 of band) | 1.17% |
| Net interest margin | 4.30% (p68 of band) | 3.93% |
| Efficiency ratio | 87.70% (p87 of band) | |
| Noncurrent loans | 0.37% (p51 of band) | 0.36% |
| Net charge-offs (annualized) | -0.01% (p12 of band) | |
| Reserve coverage of noncurrent | 279.22% | |
| Real estate % of loans | 79% | |
| Construction % of loans | 99.00% (p94 of band) | |
| Auto loans | $37,000 (0.02% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 14.5% | |
| Employees | 33 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | losing money, expense ratio p90 |  |
| 2011-06 | 0 |  | losing money, expense ratio p90 |
| 2011-09 | 2 | expense ratio p90, reserve under noncurrent |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 4 | capital falling, losing money |  |
| 2012-06 | 3 |  | capital falling |
| 2012-09 | 1 |  | reserve under noncurrent, losing money |
| 2012-12 | 1 |  |  |
| 2013-03 | 0 |  | expense ratio p90 |
| 2013-06 | 1 | construction >100% equity |  |
| 2013-09 | 3 | brokered >10%, expense ratio p90 |  |
| 2013-12 | 3 | capital falling | expense ratio p90 |
| 2014-03 | 2 |  | brokered >10% |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 1 |  | capital falling |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 3 | capital falling, losing money, expense ratio p90 | construction >100% equity |
| 2016-06 | 3 |  |  |
| 2016-09 | 2 |  | losing money |
| 2016-12 | 2 | construction >100% equity | expense ratio p90 |
| 2017-03 | 3 | brokered >10% |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 2 |  | capital falling |
| 2017-12 | 1 |  | brokered >10% |
| 2018-03 | 2 | brokered >10% |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 5 | loans exceed deposits, wholesale funding >15%, liquid assets <10% |  |
| 2019-03 | 2 |  | loans exceed deposits, wholesale funding >15%, liquid assets <10% |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 4 | capital falling, reserve under noncurrent |  |
| 2020-06 | 2 |  | brokered >10%, reserve under noncurrent |
| 2020-09 | 2 |  |  |
| 2020-12 | 1 |  | capital falling |
| 2021-03 | 3 | losing money, expense ratio p90 |  |
| 2021-06 | 4 | uninsured deposits leaving |  |
| 2021-09 | 2 |  | losing money, uninsured deposits leaving |
| 2021-12 | 3 | capital falling |  |
| 2022-03 | 4 | losing money |  |
| 2022-06 | 4 |  |  |
| 2022-09 | 5 | loans exceed deposits |  |
| 2022-12 | 5 | charge-offs p90 | loans exceed deposits |
| 2023-03 | 4 |  | charge-offs p90 |
| 2023-06 | 3 |  | capital falling |
| 2023-09 | 3 |  |  |
| 2023-12 | 4 | uninsured deposits leaving |  |
| 2024-03 | 3 | capital falling, reserve under noncurrent | expense ratio p90, losing money, uninsured deposits leaving |
| 2024-06 | 1 |  | construction >100% equity, reserve under noncurrent |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 | construction >100% equity | capital falling |
| 2026-06 | 0 |  | construction >100% equity |

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

- 2023-12-12 [Bells bank employee honored for 60 years of service - KXII](https://news.google.com/rss/articles/CBMihAFBVV95cUxPRWNPTDQzQktDcEU2d25POGlTMVAyMFZJMDMxMW9iS21NV25XazRHTThFSzdQQnRoQXZyeko0d253dDFDRFRMR0J3TktDcWduNXl5S0pnaHRoUmZkVVY5MnhsVnBDckxXMXdVLWRUekduMnkwbWNDcFlrU2hRLW1GNUdTTmLSAZgBQVVfeXFMUElfNzJLdk1MaTA2TGpIcXM3ZWNIaXNUMFE1d2w2M3dwd0N4bnVGRkE0Z2VDR3h5N2NHaDJHNHlUN1RkZDZhaWtzck56WTdGMTBEVTRQT3dZWndDTnJtTjhXV1hFb2dLLWk1cWFrX05FRzgtQ1FfWGVhenhFUEVRN0JpVlV1TnpoS21lVVM3WHBlWWtpQ3dyNUc?oc=5) · KXII
- 2024-05-24 [Google Wallet adds 25 new US banks to its support list - androidpolice.com](https://news.google.com/rss/articles/CBMibEFVX3lxTFAwTkhxMVhwV09EeXQ3dVp1eE1kR0JRc3RacUU0bHhOQ2tWS2c0THhwa3BqNVN2ZGJKbzFxS1E3N043bkRUTjVBelA1VllDTWlXMGMzRTVRQy1OVmstUGZOSHNobC0zVVk1RDFHUQ?oc=5) · androidpolice.com
- 2018-11-02 [Benny Busby Obituary (1934 - 2018) - Denison, TX - The Herald Democrat - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxQdVl5Z0U2TGFvTmF6ZTFITVZUelFNNE1fbzV5dkozZ3RLX2dlTU42MHFvU2w0MFpmX3N3R0E0azlfd01jRi1fY0F3cG5OTnRxS2ZBOFVlWXVSLThoUjNyQ2Q1OUJ3VVJjZl9OVEU2dmNwNm4yaHpkSXpzRDc2d081U2tyRXpjbUs0S1J5TTNGUmR5UUE?oc=5) · legacy.com
- 2021-02-03 [Sheriff’s office warns of ‘outlaw motorcycle groups’ ahead of Bells party - KXII](https://news.google.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?oc=5) · KXII

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3098 (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 "3098", 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