# CAPTEX BANK
FORT WORTH, TX · FDIC certificate 5558 · asset band $300M-1B · latest filing 2025-03 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. 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 | $330.5M | |
| Deposits | $283.2M | |
| Loans and leases | $289.3M | |
| Total equity | $44.5M | |
| Loans / deposits | 101.09% (p91 of band) | 80.20% |
| Liquid assets / assets | 9.18% (p3 of band) | |
| Uninsured deposits / deposits | 32.74% (p75 of band) | 25.15% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.55% (p78 of band) | 10.44% |
| Unrealized securities loss / equity | -1.79% (p86 of band) | -13.25% |
| AOCI / equity | 0.09% (p15 of band) | |
| ROA (annualized) | 1.04% (p51 of band) | 1.02% |
| Net interest margin | 4.26% (p82 of band) | 3.54% |
| Efficiency ratio | 67.99% (p55 of band) | |
| Noncurrent loans | 0.06% (p20 of band) | 0.34% |
| Net charge-offs (annualized) | 0.02% (p69 of band) | |
| Reserve coverage of noncurrent | 1894.41% | |
| Real estate % of loans | 77% | |
| Construction % of loans | 51.84% (p54 of band) | |
| Auto loans | $6.4M (2.22% of loans; DQ 0.00%, NCO 0.02%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 2.0% | |
| Employees | 46 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **liquid assets <10%** (`liq_thin`)

## Warning timeline

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

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

- 2025-01-07 [CapTex Bank to be acquired in first DFW bank deal announced in 2025 - The Business Journals](https://news.google.com/rss/articles/CBMinwFBVV95cUxPZV92MzZBdHFSTHRoT1hyWDc4MU5pRGw2THZJajk2UVctSmZrdjlCdmFid0FGeHRJYjVnOFRkTnNoTmtrYnp4Rld1THlrd2V5eVF6V1d4V1o1VGtSS1FyWG9xT0xiVjc1NWc3WndnNlRVb3FQX2JrWVFBOU0yTW5lX01NS1Z3bmhSNHUtZjZud2ZuWFhqRTNMLTlZNUVqM2c?oc=5) · The Business Journals
- 2021-06-22 [Tap New Business Growth with CapTex Bank - Fort Worth Inc.](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQRDBkcjJCSFVyOThWSTVwa2hxZXZfQ0ZyLUllTEN2SXAzNl80LU1SbTlvWFI0a29NRWxCZHlybTVDVDhvMnhxbG5IUW1XUEdEVXJLX0FqcUk4cTZibUhnX21VdlQ4UzJiUFRETFczNXJGXzB5WFEyZHBNeEFmU1FiNTFGalk5RWRW?oc=5) · Fort Worth Inc.
- 2020-02-04 [Longtime area banker named market president at CapTex Bank - The Business Press](https://news.google.com/rss/articles/CBMingFBVV95cUxOQXFiNlNad3d4ejYzLUhHcmVpU1JhYml6blFsa2V5QjRpS25TMU04eGU3NGN5VlJZVE9JbXdYRzhHdUVKWTlLRVVDcksxTUgwd1I0ZzNab3BKdjNuT2RPMmh1TVZEeGhCV01KeG9SMTVBcXpCeUNONzJGX0dCTlJzYU1peEdPTUZGTEhoWTRYdTkzcXlaOTJCaUJrbm5aUQ?oc=5) · The Business Press
- 2025-01-07 [Community Bank Holdings of Texas, Inc. to acquire CapTex Bancshares, Inc. - Corsicana Daily Sun](https://news.google.com/rss/articles/CBMi7wFBVV95cUxQWWFITE1qQ05USk5FWFNtYnE1NTlPVzV0b25SMGdkX0RraTIya1lOa1V4RTBTMXNQdm8wb1hHUFU2TUZGRElkcG1MLW1Gdml5dGZnU1hPdTFWcjRVZnR2c0hYOTJhR1gxY0NiQ05uX19mNTR4WFM5UjBIMGEyQXFwdk1uMmJWSlBJcDQ4Z0RzS1hwNjRSN3l0X2JGcnY4WFhMYzViSEdycDlLNjZhWUxyQXZRUEJVZG8tNllPWFpIMkFUMEdHbF9aMEpfaEtMWDBNbkN0RWViZ3VGSldiMzVwZWcwR1ZhUmJlLWFST2Y1VQ?oc=5) · Corsicana Daily Sun
- 2024-01-19 [Fannin County man sentenced for multiple East Texas bank robberies - MyParisTexas](https://news.google.com/rss/articles/CBMilwFBVV95cUxPdXJlZVpSSFpCVjFDMFRRWkRESG5hVHRoaTZmS1kwTzNXYU9yUFlYT3I0NVJtNEdiSGJDbk93WTR3dzg0ZzBrdHNZRC15Mi1VaXE0MXdxa0xIZ1ZCZjZmaFdyMHJ0dlNDcGp0bWd0N3gzN1kta1g4MU1vUGlnVTRHSDVMWnZtU0FYQ0wyaW9oN2R1UU1LQjBz?oc=5) · MyParisTexas
- 2022-08-30 [Fannin Co. man found guilty of multiple East Texas bank robberies - KXII](https://news.google.com/rss/articles/CBMimgFBVV95cUxNdzkyVERSRHRYMkI3UzFJVXlRMWVsbk5VRHNOU2tJVnJFUDlfb1g3cGZibmh2dEhSMGZFMDBkdnJiN0dmc0NlT3lTTUhjbEhSS3VtRUMyTnRmeGVpMkhFa3NGSWRMSjdhRXZwQjhtQ0pCWkNVOEJKZDFEaUdFc2JqeUJsblhQa3U2RHFtRXJieHVxQmZ4am5hRUtR0gGuAUFVX3lxTFBMX2JFWVV3QTBlajdub2pOMkhmQkNETlFhd3dSSlNfSm9yLTcxdmJTNUd2YkZoVW5XZnBaZzNwODV1QzJScVJHejNMTkZQNm5aWE1PWWJtaXlpS2dpVVI1eTg3bGlicnBFTXdxYmhybEpoZGQxUWtyS2xOZDRPRXZTWGRzMFBITncxUmJ2N2hkb25LV0g5UHNxSk9sZWQ1bC1ScUdmdlhJVXFrSURQQQ?oc=5) · KXII
- 2021-04-09 [Want to Bank with Someone You Know? - Fort Worth Inc.](https://news.google.com/rss/articles/CBMiekFVX3lxTE1kcW1TdzNZRktrRVo3a1paem05ZTRXamNvZU01MHpUQ0daVHV0b1dhX1U2OFg3cFhLSkxMRnRYWU5WY0llc29GQVJNUDE2ZnFPRVZPcEd5R1RpdVZmcHptd04tZUdJdVRzd19TMFd1ektEemw3YXZsSGZn?oc=5) · Fort Worth Inc.
- 2025-06-19 [Community National Bank & Trust of Texas Acquires CapTex Bank - Corsicana Daily Sun](https://news.google.com/rss/articles/CBMi4gFBVV95cUxPdW0wU0JGa1hINS1XTjhWT2JCUGc5OHREdnMtQ2c4Q2I3c2JaRG1QcTVyR0dpZFd6c2tQcF82Ukh5THRmS2tKYlhneXU2REJUa3VQTWhPb2lwTVBoSXJPRDFMWHI1a1BhTGctZmROWmtYeVVHa1NGTzlnMThjd1BPWXFOQWlreVlZUkgzc0t0SldURGJmc0NfRGdmSXJGdGVzMnN2YTdiZWJRUzhvdE1ncXAwNUNZcVZkNDR3S0RGeUx2dE5yR2x4eVFSYjFCSi11UVFObFprSUpRb1g1bmpZdWdR?oc=5) · Corsicana Daily Sun

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=5558 (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/54.json (key "5558", 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