# TITAN BANK N A
MINERAL WELLS, TX · FDIC certificate 3225 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $896.1M | |
| Deposits | $771.5M | |
| Loans and leases | $419.6M | |
| Total equity | $113.3M | |
| Loans / deposits | 53.74% (p8 of band) | 82.04% |
| Liquid assets / assets | 51.00% (p93 of band) | |
| Uninsured deposits / deposits | 24.39% (p44 of band) | 25.97% |
| Brokered deposits | 0.23% | |
| Wholesale funding | 0.35% (p28 of band) | |
| FHLB advances / assets | 0.03% | |
| Tier 1 leverage | 9.16% (p15 of band) | 10.81% |
| Unrealized securities loss / equity | -2.31% (p77 of band) | -8.10% |
| AOCI / equity | -0.32% (p52 of band) | |
| ROA (annualized) | 10.97% (p100 of band) | 1.28% |
| Net interest margin | 5.49% (p98 of band) | 3.91% |
| Efficiency ratio | 11.82% (p0 of band) | |
| Noncurrent loans | 0.54% (p56 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p41 of band) | |
| Reserve coverage of noncurrent | 220.26% | |
| Real estate % of loans | 98% | |
| Construction % of loans | 8.98% (p13 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $5.0M (4% of equity) (p93 of band) | |
| Deposits YoY | 35.8% | |
| Employees | 39 | |

## 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 | 3 | capital falling, losing money, expense ratio p90 |  |
| 2013-06 | 1 |  | losing money, expense ratio p90 |
| 2013-09 | 0 |  | capital falling |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | uninsured deposits leaving |  |
| 2015-06 | 0 |  | uninsured deposits leaving |
| 2015-09 | 3 | wholesale funding >15%, deposits shrinking, uninsured deposits leaving |  |
| 2015-12 | 3 |  |  |
| 2016-03 | 2 | charge-offs p90 | deposits shrinking, uninsured deposits leaving |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 | capital falling | charge-offs p90 |
| 2017-06 | 0 |  | wholesale funding >15%, capital falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2019-03 | 3 | assets shrinking |  |
| 2019-06 | 0 |  | deposits shrinking, uninsured deposits leaving, assets shrinking |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | wholesale funding >15% |  |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 1 |  | capital falling |
| 2021-03 | 2 | uninsured deposits >50%, NIM <2.5% | wholesale funding >15% |
| 2021-06 | 3 | capital falling |  |
| 2021-09 | 1 |  | uninsured deposits >50%, capital falling |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | assets shrinking |  |
| 2022-06 | 5 | AOCI drag >20% of equity, securities losses >30% of equity, deposits shrinking, uninsured deposits leaving | NIM <2.5% |
| 2022-09 | 1 |  | assets shrinking, securities losses >30% of equity, deposits shrinking, uninsured deposits leaving |
| 2022-12 | 1 |  |  |
| 2023-03 | 0 |  | AOCI drag >20% of equity |
| 2023-06 | 1 | uninsured deposits leaving |  |
| 2023-09 | 2 | brokered >10% |  |
| 2023-12 | 2 | wholesale funding >15% | uninsured deposits leaving |
| 2024-03 | 3 | uninsured deposits leaving |  |
| 2024-06 | 2 |  | uninsured deposits leaving |
| 2024-09 | 0 |  | brokered >10%, wholesale funding >15% |
| 2024-12 | 1 | uninsured deposits leaving |  |
| 2025-03 | 1 | brokered >10% | uninsured deposits leaving |
| 2025-06 | 0 |  | brokered >10% |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | wholesale funding >15% |  |
| 2026-03 | 0 |  | wholesale funding >15% |
| 2026-06 | 0 |  |  |

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

- 2020-10-16 [Carl Esrey of BMC Capital Drops $6M On Palm Beach Home - The Real Deal](https://news.google.com/rss/articles/CBMilgFBVV95cUxQdVZpdEFQd2dtU1ZJY0lkaFFFNkFRRld3TUo3S3RrdHJsajZ1UTlhMG1KNGlzR0hDX1h5OFlwRHRZRHdFNFg4elVDSS1UbUM5dUFQU050MkhGVzJlTDAwUjNwdkFiX3JVMlMxSWY2R2FGS2x5NWZoclQzRkpzd0R2RTNRWWtoaEo3bVBDMnNnaXlfTGwwSmc?oc=5) · The Real Deal
- 2016-08-09 [Titan Bank Names Steven L. McDonald President and Chief Executive Officer - PRLog](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNYzNHTklwSmo0SXlaX2RpR0NhbWFVZHlMTWpUTHhnRUxEckw2dWFRTDF0a00wTWczcWFjRTJKNjR4cVBRUDh4VGpDYVg5ZWlxUzdlbGNhb0I2WnVCNUVmSU1Xc3JTYU9GYUg4ZXZpUGgzTzVNMnRaRlFpV0V4OGtDUkFTa3hRS1g3cFFwSXBaOUNqOVJ2Umh2TUREdGRBUHE3cGlrYjd6ekh4QQ?oc=5) · PRLog
- 2014-04-14 [Titan Bank Announces Hiring of Eric Wadley and the Opening of SBA Loan Production Office in Salt Lake City, UT - PRLog](https://news.google.com/rss/articles/CBMi3gFBVV95cUxNVlBXb0tvbHFrTkh5U3c5UUh5eDJpcDRXY0NBcEZpRDNMaTB2QnVHWVJuNUtyNk80ajNJZkNxQ0lsVGtSOTR0eDY1WnhrXzJrTE9xeFk5ZlFrSFhLSGNXZWtuOEpjSnRER0tjOUtwYWZmblprajJFQnR6MFlFOHkwMXhLc3hsQ29YZ1o5WEZhQU9PQXlLcmxuaWc1UlB6Y0NJcDVkdmtMT1RiRm9BczNtallKb0xQQ0NHMjBvdk9LTlVnQy1vN3ZyYTFVOVFVNTJjYS1wTWRpUGF0QmY3SGc?oc=5) · PRLog

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3225 (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 "3225", 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