# COMMUNITYBANK OF TEXAS N A
BEAUMONT, TX · FDIC certificate 3363 · asset band $1-10B · latest filing 2022-09 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 2 (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 | $4.27B | |
| Deposits | $3.74B | |
| Loans and leases | $3.13B | |
| Total equity | $492.9M | |
| Loans / deposits | 82.82% (p57 of band) | 79.05% |
| Liquid assets / assets | 20.64% (p38 of band) | |
| Uninsured deposits / deposits | 60.74% (p94 of band) | 32.67% |
| Brokered deposits | 0.93% | |
| Wholesale funding | 0.93% (p27 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.22% (p79 of band) | 9.71% |
| Unrealized securities loss / equity | -18.14% (p63 of band) | -26.09% |
| AOCI / equity | -14.79% (p53 of band) | |
| ROA (annualized) | 1.23% (p60 of band) | 1.15% |
| Net interest margin | 3.63% (p72 of band) | 3.33% |
| Efficiency ratio | 57.63% (p42 of band) | |
| Noncurrent loans | 0.72% (p82 of band) | 0.27% |
| Net charge-offs (annualized) | -0.01% (p21 of band) | |
| Reserve coverage of noncurrent | 145.37% | |
| Real estate % of loans | 77% | |
| Construction % of loans | 102.22% (p79 of band) | |
| Auto loans | $1.6M (0.05% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $112.2M (23% of equity) (p95 of band) | |
| Deposits YoY | 4.9% | |
| Employees | 487 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **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 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 0 |  | reserve under noncurrent |
| 2012-12 | 1 | capital falling |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 2 | capital falling, construction >100% equity |  |
| 2015-06 | 1 |  | capital falling |
| 2015-09 | 1 |  |  |
| 2015-12 | 2 | charge-offs p90 |  |
| 2016-03 | 1 |  | charge-offs p90 |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | capital falling |  |
| 2016-12 | 1 |  | capital falling |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 2 | capital falling |  |
| 2018-03 | 1 |  | capital falling |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 3 | uninsured deposits >50%, run vulnerability |  |
| 2020-03 | 3 |  |  |
| 2020-06 | 3 |  |  |
| 2020-09 | 3 | capital falling | construction >100% equity |
| 2020-12 | 3 | construction >100% equity | capital falling |
| 2021-03 | 1 |  | run vulnerability, construction >100% equity |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | capital falling |  |
| 2022-06 | 2 | construction >100% equity | capital falling |
| 2022-09 | 2 |  |  |

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

- 2023-01-03 [CommunityBank of Texas, Allegiance Bank announce new logo, start date for Stellar Bank - theexaminer.com](https://news.google.com/rss/articles/CBMirwFBVV95cUxQN29BTEFOMXJSejU2VE9HVm83c19uTmtILUxMX25tN2tBaEVVSTU4Y01sdlp1a1pSY01IdG9wbjdNaUt6M1V0b01ybXEzb3ZYNUlCZW4zYkdDYl9xcjhqU0p5S3d5LUdxdzJWS1drMFRvUm1qcU1INEF1b1otYlNPSl9XdV9JQ3RPaGw1S1pKdFlMdjFxenlnRElMSmVobnBja3pKMDBsN2poLVlkeXZJ?oc=5) · theexaminer.com
- 2022-02-08 [Milestone and CommunityBank of Texas, N.A. Announce Arrangement of Sustainability-Linked Loan - Business Wire](https://news.google.com/rss/articles/CBMi4wFBVV95cUxQekZpM19tMWNXeUlmLVZCLXhtNmlTck5LSkgwSlhNdTlVdjhQcHdCTHZ0TTlUWnRlbFRIbmVJOG11ZUtnenNyampXcEFPMlVhMW1Tbk1kczA2SVRhQXdxUm41YWcybE4yQnVnQ3BoVm4zOC0wemg3aTV3YkxDWXBqdUxPY3NuTlFwN2I0aGNUa2c0blBkNWc4YmZSRU45VjRaZURPN0thcDRoci16a1dXMzVlcmhDVzAybkV5S2l1NWotUjZvZVdzaVZzTTlRa21MUGdpbUR3TTg0Y1MwQWM5VC02aw?oc=5) · Business Wire
- 2025-08-22 [Marquis Who's Who Honors Walter J. Wilkerson III for Expertise in Information Technology and Banking - 24-7 Press Release Newswire](https://news.google.com/rss/articles/CBMi5wFBVV95cUxQakM2OUVqMjVYYjVWWm55VENzRmNSOHlMN2FxemE5a2tKVnhtLVlpZm5WWjNXekNoOS03WDNHNFVPSFNQcWFJaXROdmRnY3lKMDAweXdQbFFzeXo0NXVPMTJILTZZamtXakt1NWg1eXFGcFpsZGp3VmliREdRRUt5bVRieVh1WTFhSXREVmZCR1dLMGQydG1vc3dES0hFYUtvZDk0bXJMSEVxTWlNN3M0Z3NsMEhEX2laVl9OTUV2WlhuZkNQVzhSaTBaOWVWOER4MGhNbGxPcEx4dHdOMS03Tk1YZ1UyMGM?oc=5) · 24-7 Press Release Newswire

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3363 (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/35.json (key "3363", 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