# TEXAS STAR BANK
VAN ALSTYNE, TX · FDIC certificate 5567 · asset band $300M-1B · latest filing 2019-06 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. 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 | $383.1M | |
| Deposits | $337.6M | |
| Loans and leases | $330.1M | |
| Total equity | $42.6M | |
| Loans / deposits | 96.76% (p78 of band) | 85.79% |
| Liquid assets / assets | 11.32% (p9 of band) | |
| Uninsured deposits / deposits | 22.45% (p55 of band) | 21.31% |
| Brokered deposits | 2.19% | |
| Wholesale funding | 2.28% (p36 of band) | |
| FHLB advances / assets | 0.09% | |
| Tier 1 leverage | 11.27% (p62 of band) | 10.63% |
| Unrealized securities loss / equity | -0.55% (p9 of band) | 0.67% |
| AOCI / equity | 0.00% (p4 of band) | |
| ROA (annualized) | 2.06% (p94 of band) | 1.11% |
| Net interest margin | 5.59% (p98 of band) | 3.74% |
| Efficiency ratio | 52.56% (p14 of band) | |
| Noncurrent loans | 0.55% (p52 of band) | 0.53% |
| Net charge-offs (annualized) | 0.05% (p67 of band) | |
| Reserve coverage of noncurrent | 192.16% | |
| Real estate % of loans | 57% | |
| Construction % of loans | 124.85% (p96 of band) | |
| Auto loans | $10.0M (3.04% of loans; DQ 1.32%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 1.6% | |
| Employees | 91 | |

## Flags firing in the latest filing

- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | construction >100% equity |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 0 |  | construction >100% equity |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 1 | construction >100% equity |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | reserve under noncurrent |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 0 |  | construction >100% equity, reserve under noncurrent |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | construction >100% equity |  |
| 2014-09 | 0 |  | construction >100% equity |
| 2014-12 | 1 | construction >100% equity |  |
| 2015-03 | 0 |  | construction >100% equity |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | construction >100% equity |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 0 |  | construction >100% equity |
| 2018-09 | 1 | construction >100% equity |  |
| 2018-12 | 0 |  | construction >100% equity |
| 2019-03 | 1 | construction >100% equity |  |
| 2019-06 | 1 |  |  |

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

- 2013-11-08 [Texas Star Bank: the Bank that's worked for its customers since 1890 - starlocalmedia.com](https://news.google.com/rss/articles/CBMi5wFBVV95cUxQUmxSN293T1R5cGhzeU1ZYi04MEdreUZqMU4xWXkxOWVEU1YxRVAtamVYZ0V6Y0JHWFdWb2JORng1bURMcHl5X3lKSTRfQ1g5ME5PUU1hdVZZbDZCeGIxV3g1OElpUlBJbW53WXg2aHplT3RJNzNkc01MZEhzWVcwOWZnUFBPRVpQX05aNFZOV0haekZ2OC13TmNMY3k0UWFUdko2UWJXTmx2WlFJWW51NlJQLTNkRWFkR0hXbFV5OTRWTTU4N0poQ2w3TDRqeGRpcmVyN2xiZEdsWWxTcDYxVm5mdmlpQkE?oc=5) · starlocalmedia.com
- 2008-10-19 [Obituary, Visitation & Funeral Information | Glen Edward Scoggins - Restland Funeral Home, Cemetery and Crematory](https://news.google.com/rss/articles/CBMif0FVX3lxTE95OGdZeUU5TlY3RnRkNXpQM2RJaXFzeDdxYjVQd2Jnd0VEeFZ5N2Fnb1NwWTQ0Z3RTWUtqbGh2ODNWWFNtTmxnMUg3MC1FS2RSRGU2YjFQYWFxWEo4UHN1bWZkOFU4YWVNRUNEYXNCX2V6eTMzLVUzYU9tMVNfTDQ?oc=5) · Restland Funeral Home, Cemetery and Crematory
- 2017-01-12 [John Kenneth 'Johnny' Hynds - North Texas e-News](https://news.google.com/rss/articles/CBMibkFVX3lxTE83MFFwcHFVZ3p0M0JkSHRNNDRqYzg2SE1ySHNiYTVrLV9vZGx2dUVVM2o3YkczWFlPNHpEclBpSjJBMGJvQm5IaHFsNHpVRGhRTUN3dHdrYnRTZVB5TmMyaHpQRlczZGV0djlUVU1B?oc=5) · North Texas e-News
- 2018-04-20 [Addison Stokes Obituary - Denison, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMiggFBVV95cUxOUW9lbG1pZU1jMTg2cmpGa0h4NDgtLUVIMk96cUREMlVSM1VhQVk5d2ZsUWtCTVY4LUxrQi1nU002MkF2SkpjOVRybTFvTl93SjhVTjZMZm0xSW5aVTZYNTFHeHFiV3FFU3VNN2JrRS00Y0NwUDBhZXRSN2ZfN042V2dB?oc=5) · Dignity Memorial
- 2007-11-21 [Peter Burks Obituary (2007) - Dallas News](https://news.google.com/rss/articles/CBMinwFBVV95cUxQVXpKSjhwak1NVFYwVHdBN0tGMzY4RGxYcldSaXJiTTJpTmFxYTExdGxhYUpKblQ1YUVaeUVwOVdYYXhWMkthbTFhQkczY09fT0hjWHJ6UVBGNnpwdlJLQk5GZy1jNzQtRjgydFlfaG9CZVYzX2dzT0c0eXZ6TGk3NjdRNV9Pa1lVVjhaMENrQTBNbVo5MXRHSUFLS055Zm8?oc=5) · Dallas News
- 2021-09-29 [SHERRY SCHINDLER Obituary (2011) - Houston, TX - Houston Chronicle - legacy.com](https://news.google.com/rss/articles/CBMimwFBVV95cUxPSGlVQ2I4NmlzN1JHalFfYTB1UkY1QlB0Q0hjOW4yUkhDOEl4ZjNhRGJCc2R0TDZhdzd2c01HUUJrbnphWVAxRmMtTUNLUVJYQnRBcTdkdTZkbTZzSUFzMjlDZnc4WGw0ZTlHdjVXalFCOXJfSkdib2lLUmZ3Mnltd2xpNDVnNjFzSlppLTN1Y0tzbXk5bG1xQzcwUQ?oc=5) · legacy.com
- 2004-11-14 [Gunter FFA competes in District VI FFA Leadership Development - North Texas e-News](https://news.google.com/rss/articles/CBMif0FVX3lxTE5jb3lVd1pETUdLQ3NNZU5Iem1ZZnRURUM1QkRyVUdJUWp4SUp3SVJURlkwcTd1ZlRfZVoxdXpGWnNKRGJtS1ZhQ09VRy12aHZGdl9DVF9DLTVEeVdyYjhHRGdJdDhfdmZDcWNoV1MxcDlXdGdFeEh0b0pzSUlXSXM?oc=5) · North Texas e-News
- 2016-12-25 [John Fair Obituary (1924 - 2016) - Sherman, TX - The Herald Democrat - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxQWnlYS1NFYzRLNDkwclpLQlFHVDlKY1Z3bFlybUZ0UmhYSDlOZkJDLTFYbWlULTVVdmtrOEIzeVBMYkVKakE3T2xBYndiZnRhY29iT0xYZUJYVHV3RTFGR1NONUlsUjhNMy0weUpaMHpiLW9LV3pWa1pldGhqbUVSbGNfRngwaS03bVRwRHQ0VFg?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=5567 (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/63.json (key "5567", 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