# GREATER STATE BANK
MCALLEN, TX · FDIC certificate 31762 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. 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 | $180.2M | |
| Deposits | $159.3M | |
| Loans and leases | $143.0M | |
| Total equity | $19.8M | |
| Loans / deposits | 88.85% (p78 of band) | 73.59% |
| Liquid assets / assets | 15.73% (p13 of band) | |
| Uninsured deposits / deposits | 30.39% (p82 of band) | 19.81% |
| Brokered deposits | 0.50% | |
| Wholesale funding | 0.50% (p50 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.05% (p40 of band) | 11.76% |
| Unrealized securities loss / equity | -0.16% (p88 of band) | -6.57% |
| AOCI / equity | 0.19% (p91 of band) | |
| ROA (annualized) | 1.26% (p55 of band) | 1.17% |
| Net interest margin | 6.08% (p98 of band) | 3.93% |
| Efficiency ratio | 73.38% (p68 of band) | |
| Noncurrent loans | 0.05% (p30 of band) | 0.36% |
| Net charge-offs (annualized) | 0.04% (p78 of band) | |
| Reserve coverage of noncurrent | 2038.36% | |
| Real estate % of loans | 81% | |
| Construction % of loans | 107.79% (p95 of band) | |
| Auto loans | $86,000 (0.06% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 4.7% | |
| Employees | 52 | |

## Flags firing in the latest filing

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

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | losing money, expense ratio p90, reserve under noncurrent |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 3 |  |  |
| 2011-12 | 3 | construction >100% equity | losing money |
| 2012-03 | 1 |  | expense ratio p90, construction >100% equity |
| 2012-06 | 2 | uninsured deposits leaving |  |
| 2012-09 | 1 |  | uninsured deposits leaving |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 2 | charge-offs p90 |  |
| 2013-09 | 1 |  | charge-offs p90 |
| 2013-12 | 2 | capital falling |  |
| 2014-03 | 4 | losing money, expense ratio p90 |  |
| 2014-06 | 3 |  | capital falling |
| 2014-09 | 3 |  |  |
| 2014-12 | 3 |  |  |
| 2015-03 | 5 | deposits shrinking, uninsured deposits leaving |  |
| 2015-06 | 4 | capital falling | deposits shrinking, uninsured deposits leaving |
| 2015-09 | 4 |  |  |
| 2015-12 | 4 |  |  |
| 2016-03 | 1 |  | losing money, expense ratio p90, capital falling |
| 2016-06 | 0 |  | reserve under noncurrent |
| 2016-09 | 1 | reserve under noncurrent |  |
| 2016-12 | 0 |  | reserve under noncurrent |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | expense ratio p90 |  |
| 2018-03 | 1 | capital falling | expense ratio p90 |
| 2018-06 | 1 |  |  |
| 2018-09 | 0 |  | capital falling |
| 2018-12 | 0 |  |  |
| 2019-03 | 3 | expense ratio p90, charge-offs p90, reserve under noncurrent |  |
| 2019-06 | 3 |  |  |
| 2019-09 | 2 |  | reserve under noncurrent |
| 2019-12 | 2 | capital falling | expense ratio p90 |
| 2020-03 | 1 |  | charge-offs p90 |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 2 | charge-offs p90 |  |
| 2022-03 | 1 |  | charge-offs p90 |
| 2022-06 | 2 | leverage <7% |  |
| 2022-09 | 0 |  | capital falling, leverage <7% |
| 2022-12 | 1 | construction >100% equity |  |
| 2023-03 | 1 | deposits shrinking | construction >100% equity |
| 2023-06 | 0 |  | deposits shrinking |
| 2023-09 | 1 | construction >100% equity |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 2 | charge-offs p90 |  |
| 2024-06 | 1 |  | charge-offs p90 |
| 2024-09 | 1 |  |  |
| 2024-12 | 0 |  | construction >100% equity |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 2 | capital falling, construction >100% equity |  |
| 2026-03 | 1 |  | capital falling |
| 2026-06 | 1 |  |  |

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

- 2014-02-14 [Greater State Bank Celebrates 40 Years with Passing of the Torch - Texas Border Business](https://news.google.com/rss/articles/CBMijgFBVV95cUxORWk2bUVqd2dleWlneDhxSHAzUEwxTERsa1pCeEcwS2EwNkxOVHlvNDA5WnlueENjeVJnVnFSVFFINmptRmNHQnlpV05UNnVQZmFwMlZoekxTNHQwLUdHQkFRZTNVampDRDRhVFdjaUFPZGJvR2FGbGoybUJCOEh2ZGhtTGpDS1NhaHdDOFVn?oc=5) · Texas Border Business
- 2024-10-07 [Edinburg businessman appointed to Hidalgo County Regional Mobility Authority - MyRGV.com](https://news.google.com/rss/articles/CBMiywFBVV95cUxNVDlOQnM2Nmd0Umh3dmhub1o1Q3pYMmI1ZjVselBwdUthS1hEYjNyWkdkOHJ2YXZEcU1SOWVueUlGekg1TFdhYl9SRWxieEJIQU42SDFMS2xWb3haN1lGVHhMaE8teUFmY1lqa1ZyNDVDZmNCNXJ0akwwYzVEbmR6RmtZSGhjUmRFdTQwdFJKTmdWYnpXUVN1RkJ2OUg2Uk1yUk5RWFRnOHZNQ2c0S010Q1lsZGRwWUE2Nl9qWG42bWdxNHg4YnJ6YVJ3UQ?oc=5) · MyRGV.com
- 2025-01-22 [Hidalgo County Regional Mobility Authority updates its strategic plan for 2025-2029 - Rio Grande Guardian](https://news.google.com/rss/articles/CBMixgFBVV95cUxOQ1A2ZUxGYm1McWhQR3VTT2Z5dnBRMU4yWnk4NzViSWdRZG4zZ3ZCNC1aUFVGWkQ2OG9lZ0NZRURkVmlEWEh0WlU2RWdjQlYybS1ERnpEQ1M3VlJCU2ZteHdsQW9EdVFlam5Ja18xVlFLQjFaM0s4Uk1iWmRRTEg2azhVOHRIS01yazlyajRNaS1SOWRVWk5GUFI2WEczSU1taXQwRmtLUVdvSE1rTUY4WDN6TVo4cGh6NnRGczQ1S2tNTzBVMFE?oc=5) · Rio Grande Guardian
- 2026-08-18 [Edinburg EDC Leads Launch of Second Year of Bank On INT Internship Program - Texas Border Business](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPRFpjS0JaaHJha2JiNFN5dWE4aG9vbF9hNTNTcURWX25ubmpXOEtyX2FSOXA3blZBOUlVMW91ck5hWnJaWVNCTG9YUlpBbmYwQ3c1UUdXZU4wZkxhVURvYnQ0NERndmdtZXBoTldxMVpVMWhiZXBzcnMxNVZFQ0szeTJRbm5aSTZQUVJRcEZXMW9oRFZWRWhkUkh4WkRINXZ6RC1HRzZRUUNvd1U?oc=5) · Texas Border Business
- 2018-10-02 [Here are all of the banks that currently support Apple Pay - iMore](https://news.google.com/rss/articles/CBMid0FVX3lxTE9ZY3JkQUdrNTNjWmMzVFk2QXBlWExaRnI3bjVsQ28wVlFRWUc5TEVWMm5TWkZ6RmtKTTNZRUhKbExyS25yb2pnRTc5VklBeW13Mzk0aU9MWVNGbHpiMDJUM1pfOVFvdFhCdGpNLUJQVG9ybXYzNlc4?oc=5) · iMore
- 2025-05-15 [Edinburg to Launch Paid Internship Program Connecting UTRGV Students With Local Banks, May 16th - Texas Border Business](https://news.google.com/rss/articles/CBMixgFBVV95cUxObnpEQ0RHazVfTlhzcVdUM254eTlmS2JuYVZfOWJJd3RFR0ZOeHZhYXF1U2tlaEtyTVV5SnFrVHlJeTlvWTdlRWJRakdKelRLdUhXZTUxdlRubXdkUUlFSm5uVkJ1N3FMRkhhRTltMFQwUmIwMzhMTWtoOFFJVlhJWlpwR1lFVG5MZTZiZUM1VG95V21NQWpUNGp1UVJma1Q5aDlyajZqNVJqUHhrM05IWVZWTzFULXRITmxReDN2dmNscnFETkE?oc=5) · Texas Border Business
- 2026-05-01 [Edinburg’s Lozano Reappointed as Presiding Officer of Hidalgo County Regional Mobility Authority - Texas Border Business](https://news.google.com/rss/articles/CBMixwFBVV95cUxOOU9fcUtxb3Z2YUlfaktSSlpGWi14UFA4dUdyV2EyUXJ6Rjd1dDQ5S18zM2JlQkV6ZFEtclJvREYzbEU3LWNuQVhCVmxzc3JITE1NMmdUZUstclBIb2lLMHVjVDYzSTd2NUxiSWFWMW5zRjVCcEFCNGtteEx5V1dEM3J6MTJTTldRaWhGNG5fX0ppOVBTN29NbFV5aXpuc1VkTHVrelpBUWdneVRSaDFJNWZIYjEtQlRJN3A5QWVaZ2tPQnVja01F?oc=5) · Texas Border Business
- 2018-11-20 [Weslaco Chamber names Man, Woman of the Year and Lifetime Achievement Award for 2018 - Texas Border Business](https://news.google.com/rss/articles/CBMitwFBVV95cUxQdFRfVlEtMUphenRMczk5Ungzc2dUYS10YUtKLXhCOEtlYWxWY3JkT3FfRk1CX1l4NGhRWS1XWkNHM0tBZlp0cG4zc1l4TzdLUkEzdVdBaDVlSFJLemRqVFo2RXR3dXRYWWIxRjFEaUgxQnltSy1ZOEVITlBLeUpWNGsxSVhIMUp4OWh5dWg4c3VfakMzNFd4ZXlELXdWRWsxQ3NFVGkwV1h4UXpPN3g3NjhISVc3TjA?oc=5) · Texas Border Business

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=31762 (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/18.json (key "31762", 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