# SUSSER BANK
DALLAS, TX · FDIC certificate 34885 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *lender to lenders*. 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 | $2.99B | |
| Deposits | $2.66B | |
| Loans and leases | $2.22B | |
| Total equity | $306.7M | |
| Loans / deposits | 82.12% (p37 of band) | 87.10% |
| Liquid assets / assets | 23.74% (p60 of band) | |
| Uninsured deposits / deposits | 43.42% (p80 of band) | 30.76% |
| Brokered deposits | 5.73% | |
| Wholesale funding | 5.73% (p49 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.10% (p40 of band) | 10.50% |
| Unrealized securities loss / equity | -1.11% (p87 of band) | -7.75% |
| AOCI / equity | -0.12% (p64 of band) | |
| ROA (annualized) | 0.92% (p25 of band) | 1.26% |
| Net interest margin | 3.63% (p44 of band) | 3.70% |
| Efficiency ratio | 61.62% (p59 of band) | |
| Noncurrent loans | 0.42% (p43 of band) | 0.51% |
| Net charge-offs (annualized) | 0.01% (p33 of band) | |
| Reserve coverage of noncurrent | 321.76% | |
| Real estate % of loans | 61% | |
| Construction % of loans | 96.77% (p86 of band) | |
| Auto loans | $382,000 (0.02% of loans; DQ 6.81%, NCO 0.00%) | |
| Loans to nondepository financials | $208.3M (68% of equity) (p98 of band) | |
| Deposits YoY | 13.9% | |
| Employees | 266 | |

## Flags firing in the latest filing

- **loans-to-lenders >50% equity** (`conc_warehouse`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | brokered >10%, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 3 | loans exceed deposits, liquid assets <10% | brokered >10%, reserve under noncurrent |
| 2011-09 | 4 | reserve under noncurrent |  |
| 2011-12 | 3 |  | reserve under noncurrent |
| 2012-03 | 2 | capital falling | loans exceed deposits, liquid assets <10% |
| 2012-06 | 3 | loans exceed deposits, liquid assets <10% | capital falling |
| 2012-09 | 3 |  |  |
| 2012-12 | 4 | capital falling |  |
| 2013-03 | 4 |  |  |
| 2013-06 | 3 |  | capital falling |
| 2013-09 | 3 |  |  |
| 2013-12 | 1 |  | loans exceed deposits, liquid assets <10% |
| 2014-03 | 5 | loans exceed deposits, wholesale funding >15%, liquid assets <10%, reserve under noncurrent |  |
| 2014-06 | 5 |  |  |
| 2014-09 | 6 | capital falling, deposits shrinking | reserve under noncurrent |
| 2014-12 | 7 | uninsured deposits leaving |  |
| 2015-03 | 4 |  | capital falling, deposits shrinking, uninsured deposits leaving |
| 2015-06 | 4 |  |  |
| 2015-09 | 4 |  |  |
| 2015-12 | 5 | capital falling |  |
| 2016-03 | 5 |  |  |
| 2016-06 | 4 |  | capital falling |
| 2016-09 | 4 |  |  |
| 2016-12 | 4 |  |  |
| 2017-03 | 5 | charge-offs p90 |  |
| 2017-06 | 5 |  |  |
| 2017-09 | 5 | deposits shrinking | charge-offs p90 |
| 2017-12 | 6 | uninsured deposits leaving |  |
| 2018-03 | 4 | capital falling | liquid assets <10%, deposits shrinking, uninsured deposits leaving |
| 2018-06 | 4 | liquid assets <10% | wholesale funding >15% |
| 2018-09 | 5 | NIM <2.5%, reserve under noncurrent | capital falling |
| 2018-12 | 3 |  | NIM <2.5%, reserve under noncurrent |
| 2019-03 | 4 | capital falling |  |
| 2019-06 | 4 |  |  |
| 2019-09 | 1 |  | loans exceed deposits, liquid assets <10%, capital falling |
| 2019-12 | 1 |  |  |
| 2020-03 | 4 | capital falling, losing money, expense ratio p90 |  |
| 2020-06 | 3 | loans exceed deposits | losing money, expense ratio p90 |
| 2020-09 | 1 |  | capital falling, loans exceed deposits |
| 2020-12 | 0 |  | construction >100% equity |
| 2021-03 | 1 | capital falling |  |
| 2021-06 | 1 | expense ratio p90 | capital falling |
| 2021-09 | 2 | construction >100% equity |  |
| 2021-12 | 2 | uninsured deposits >50% | construction >100% equity |
| 2022-03 | 3 | construction >100% equity |  |
| 2022-06 | 3 |  |  |
| 2022-09 | 1 |  | expense ratio p90, uninsured deposits >50% |
| 2022-12 | 2 | capital falling |  |
| 2023-03 | 1 |  | capital falling |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | capital falling |  |
| 2023-12 | 1 |  | capital falling |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 2 | capital falling |  |
| 2025-03 | 1 |  | capital falling |
| 2025-06 | 2 | charge-offs p90 |  |
| 2025-09 | 0 |  | construction >100% equity, charge-offs p90 |
| 2025-12 | 2 | construction >100% equity, loans-to-lenders >50% equity |  |
| 2026-03 | 1 |  | construction >100% equity |
| 2026-06 | 1 |  |  |

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

- 2026-09-08 [Metcalfe Named to Texas Bankers Association Board of Directors - ABF Journal](https://news.google.com/rss/articles/CBMilAFBVV95cUxNY201OHZ2aFRuUC1mNkstalU5dGdGc0JXVFhFNnZDSXdrUXNpVnNWQ3Etb1lMRlAxbzZ4d1lKdFc4SV93MHJHX0xnb3c1OTMyZFRqc25JVndWMUFya1J0R2JleXFnZWRucl9ncDh1eERXakN1bG82TFpfbHdpbUl0Z2NjMmI2Z0ZELU1ucUtncXE2V1lv?oc=5) · ABF Journal
- 2026-02-05 [Susser Bank names SMU president to board of directors - Fort Worth Report](https://news.google.com/rss/articles/CBMimAFBVV95cUxQV3Fmbmx5WXpxc05URC01eWJyVy1sTFo5Wi1reTUyWWpjU3NqUEQxY0lqbHFVOTNmWW1zaGN5M0VzVGFFalNQSnl2dFJLLTVlYVVkNjVsc29QMGdSNkFMblhodk9BZWgxblAtclhBWG1nSmV2RjY3VnZKLXZjWnVweWY2SjQ4OXlMelM2Uy1Da1ZuQlQ1V3BCRg?oc=5) · Fort Worth Report
- 2026-08-05 [Susser Bank Expands Technology Banking Team with Appointment of Wills - MonitorDaily](https://news.google.com/rss/articles/CBMioAFBVV95cUxNcW5VWGR6OVBuZzd4Uy1KRlA2MG5DdTZPWU54Yno5Z08ta1NhXzJvZnJtSWRtUFBGVHoyZHlZT1dmX1IzQk80VU5HRnhmZmZkZ2xIcFQ0T3drR3BEaFE2TmVJRjVBbGMyeUtoWXFxR2tmVkJ5RHR4b0RSVUg1d3lyOEpxVUFqYkNBcGRIQ3djSjlIbFBpaDRnTVQzQVpJdXQw?oc=5) · MonitorDaily
- 2026-05-28 [Susser Bank Names Logon Collins SVP, Relationship Manager in Fort Worth - Fort Worth Inc.](https://news.google.com/rss/articles/CBMilgFBVV95cUxNVVhFQWJsanQ1bzdIQXdVYmk4a3V2ZE8tZl82YllBQjNmcC1jd0ZNSVJnVFJEeEFiZ0pjUFhJcDR3NmtRYUwwRWRfUDlzWDJjWEFFS2lOYjBzcGhyWXFEWlY4eGxZNlFWSHEzYWItRm9NOXF6TXBWVVZlZVRMVnJmLXltTDcxWjlKRU02Tmd6RVlMVUR3OHc?oc=5) · Fort Worth Inc.
- 2026-02-20 [Susser Bank taps 20-year veteran to lead San Antonio commercial banking - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxNRFFROHIxR3FKVHRza0FoeVlmbFpJdHNNaHJlaGJsSmpDT1lja3RfY1dCN19XOWJqamJ6OFd1MHNLWnRNQkE5QzBBTk5PRHNnUFdZMDNtMWxCdFpMN1B3MEhJMFVSZHlxS0RFQ0lsX3NiMWJ6S3pvMXhtODFxenU4ZHpxR2d5dk05MkItTlhtVjVWa1RXODNIVTVmdjlvSE1HS09WNl93?oc=5) · The Business Journals
- 2026-05-28 [Susser Bank Adds Logon Collins as SVP, Relationship Manager to Expand Fort Worth Presence - The Business Press](https://news.google.com/rss/articles/CBMixgFBVV95cUxOa3pYMkN1bkNBaHQ0b1FlM2IwNWpEd08wbGNjeEtzbWJmU2NoSXV1MkZLZkN2bUlaX1dKWDI3RTVWdTBmQm03U05Uakh6N3ZuSDg5RUVpWEtILWZaMVgwSUNvRnIxZ0xOMXpPTnJnX19lbW9CU1hOZTlqUWVLdGkxNmQ3MUlaOGJxeHZHSGxCTzI1LVYyVm5YTGpWWjd5anZkSl9hQjcxTy1KQVRlN3hMajU2WGVFejhSdE9mdzJIZHROVUlBOGc?oc=5) · The Business Press
- 2026-02-23 [Susser Bank names Effie Dennison executive director of strategic growth and corporate partnerships - Fort Worth Report](https://news.google.com/rss/articles/CBMi1AFBVV95cUxOMUpoelJQOWduUU5FV0dMcFlZQkRKR1lURUZNZkVObXVSWWNqOHdOZUZWUDNtaDgtZmdUQ0t4dW5YV1BhREJYdXo0bnhCdVk0cVhTZE9rOXFLdnc1VjdRaEtnWWd4V2lJaFEwTUNHa1Exc0lVdEZacFdtckNsVmI2SnN1UE9vaWFyR3F2M1ZXVTlnMnluN1E1cHNmUjZpd2V6V3ZxUXRydUE1cjU0WklyV0NxWmVKMDI2ZU5UbHRoX2NIR1YwUk9PaFFCNERzeEdJVHZraw?oc=5) · Fort Worth Report
- 2026-06-24 [Susser Bank Expands Central Texas Commercial Banking Team with Appointment of Branigan - ABF Journal](https://news.google.com/rss/articles/CBMitAFBVV95cUxNZ2p5dm9KOVRFbnVBMmdtdnktbXZlQk5iR1BxR2JYbEN6a3FIUFMyZ2E2YUpKRzV2aUhnVzg2TjVMY2RrRzdjVjBJUGYxTkFyUS0xTVAzTG40TjJMZGlFSVM4cExjN3Z5ZzFyVlFrRUdSdW42bEdBT21mcmI0VWhwRk9lLXVLWloyYTVGTkFhZ25OTmtQU1k3enBrSlVlZWhXNHA2T3F6Q0NOSl8tRGloQjJ5UkI?oc=5) · ABF Journal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34885 (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/5.json (key "34885", 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