# STAR BANK OF TEXAS
LAKE WORTH, TX · FDIC certificate 34591 · asset band <$300M · latest filing 2016-03 · stopped filing (departed)

**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 | $141.8M | |
| Deposits | $128.5M | |
| Loans and leases | $84.4M | |
| Total equity | $12.9M | |
| Loans / deposits | 64.98% (p36 of band) | 72.92% |
| Liquid assets / assets | 37.71% (p60 of band) | |
| Uninsured deposits / deposits | 23.82% (p83 of band) | 13.88% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.07% (p20 of band) | 10.70% |
| Unrealized securities loss / equity | 0.28% (p28 of band) | 1.19% |
| AOCI / equity | 0.93% (p66 of band) | |
| ROA (annualized) | 1.34% (p79 of band) | 0.83% |
| Net interest margin | 4.18% (p80 of band) | 3.64% |
| Efficiency ratio | 58.27% (p17 of band) | |
| Noncurrent loans | 0.15% (p26 of band) | 0.70% |
| Net charge-offs (annualized) | 0.00% (p46 of band) | |
| Reserve coverage of noncurrent | 700.80% | |
| Real estate % of loans | 91% | |
| Construction % of loans | 37.38% (p73 of band) | |
| Auto loans | $1.0M (1.22% of loans; DQ 0.97%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 0.3% | |
| Employees | 32 | |

## 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 | 1 | capital falling |  |
| 2011-12 | 0 |  | capital falling |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 0 |  | capital falling |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | deposits shrinking |  |
| 2016-03 | 0 |  | deposits shrinking |

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

- 2024-02-12 [Clark named CEO of Worthington Bank’s Denton team - Fort Worth Report](https://news.google.com/rss/articles/CBMikgFBVV95cUxPUTg4alRfUkN1bjgxY0pyeURmdHUtYllhbU9FRkpLWGtKNGpMdVhXOGg4OHRaMmtkUkxSc3JaWEYxbzBIemo4UXZuXzFJSVJJQS1iN2s1MGNLeng0eThlMVlZS0dRdjRKeHFaelowRC16dVVYYWZMUnQta0NySUtUTV93YnFLdTFWbWV0eWxxZFpXdw?oc=5) · Fort Worth Report
- 2024-02-21 [Worthington Bank Appoints CEO for Denton Market - Fort Worth Inc.](https://news.google.com/rss/articles/CBMihAFBVV95cUxQS0ZYSXE2b2d4dWJjMGNTdEVsSGNNOHhCZzdyQV92TjlyZUk4Q1U4UWtwY1YzcGEyX0J3dHByemMxTzlnYV9RT1BtQ0RVZmd3Z29ZUDROaERaV2hkdXFVS21OUmRKdWZHTXBfVHoteTU0Vjc4MzIxZGFCNk51d0tZZmlUVG4?oc=5) · Fort Worth Inc.
- 2024-02-13 [Local banker reunites with team as CEO of Worthington Bank Denton - Denton Record-Chronicle](https://news.google.com/rss/articles/CBMi3gFBVV95cUxPSGI2V1hPVko4TEo2eDE3TmFHXzNLYmVabTY0UmNpMVRWTG9ycWU2S3FBekFxN085bHpjLWE5VThRcjRmMzRTRkI3aUVrSjZDUmtPUHhwckVVY2hOQW41MkViOFNHUXhNNlg1WldZMGRPUU1xTjlkTkNlZEJqTlc1RnZObXI1YzZRbTdhZG1vNUpVdU1zZDBkQjRHZDhobGV4S194ZFhzN2NRbU41b2R3cjI5dGdQXzd2QmFyQWxBRlo0QzdFdHlkLXhzV3BsbjlpdkxZaGhMaHRvb0dvT1E?oc=5) · Denton Record-Chronicle

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34591 (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/31.json (key "34591", 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