# PARK CITIES BANK
DALLAS, TX · FDIC certificate 57057 · asset band $300M-1B · latest filing 2013-12 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 11 (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 | $406.0M | |
| Deposits | $382.8M | |
| Loans and leases | $222.9M | |
| Total equity | $21.2M | |
| Loans / deposits | 56.21% (p14 of band) | 77.63% |
| Liquid assets / assets | 37.40% (p72 of band) | |
| Uninsured deposits / deposits | 9.60% (p17 of band) | 18.22% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p6 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 6.03% (p2 of band) | 9.92% |
| Unrealized securities loss / equity | -19.19% (p4 of band) | -1.24% |
| AOCI / equity | -21.90% (p3 of band) | |
| ROA (annualized) | -1.34% (p1 of band) | 0.83% |
| Net interest margin | 2.39% (p4 of band) | 3.59% |
| Efficiency ratio | 150.46% (p100 of band) | |
| Noncurrent loans | 26.48% (p100 of band) | 1.18% |
| Net charge-offs (annualized) | 0.38% (p83 of band) | |
| Reserve coverage of noncurrent | 13.11% | |
| Real estate % of loans | 77% | |
| Construction % of loans | 455.12% (p100 of band) | |
| Auto loans | $99,000 (0.04% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -22.1% | |
| Employees | 71 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **capital falling** (`cap_falling`)
- **AOCI drag >20% of equity** (`cap_aoci`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 7 | leverage <7%, expense ratio p90, NIM <2.5%, noncurrent p90, charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 7 |  |  |
| 2011-09 | 7 |  |  |
| 2011-12 | 7 | losing money | charge-offs p90 |
| 2012-03 | 10 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2012-06 | 10 |  |  |
| 2012-09 | 10 |  |  |
| 2012-12 | 10 |  |  |
| 2013-03 | 9 |  | uninsured deposits leaving |
| 2013-06 | 10 | charge-offs p90 |  |
| 2013-09 | 9 |  | charge-offs p90 |
| 2013-12 | 11 | capital falling, AOCI drag >20% of equity |  |

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

- 2013-10-17 [Bank with Fort Worth location being acquired - The Business Press](https://news.google.com/rss/articles/CBMijAFBVV95cUxQSmpzV3JfSGw1YjdQSXh2TDBxbWswTlIyOGJXZjgxazMtaFVwVWRFbXZNUDgtVFJIeE5mZENiOVNZV0RhMURKMjZyc0FZelNUc2ZrS0M2MXNhbGtPNzhwQ2VSeTVmY0ZmQXdZaVJRXzFCM3Fnb0J6X0QyeG0xWjY0cjBUQlQ1aVR5ajBfcA?oc=5) · The Business Press
- 2023-07-24 [Emma Warren Obituary (2006) - Dallas News](https://news.google.com/rss/articles/CBMinwFBVV95cUxQYmlvLWRPN1J2RmNxdzR6TS1NYm5WY1VCcGpHa2dLVFZnNGhIT1JvNzVwS2tFbDJpRGtONU8tazJQSjBta2wzWlJfUUE2ZF9fUmxaT1VYMmdmbzlPeHlkQl9Yb1EwY19QcV9tWk9XczV2ZWRXanVxV0VKaU9jT29ucmRhVEZNcHo4NWJOYWc3WXkwRFdWVTQtZk9fb0M3TTg?oc=5) · Dallas News
- 2022-10-23 [Charles Angel, Obituary - Dallas, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMigAFBVV95cUxOeXBpV0g5NFVIVDI3OExMMTIzNi1IRmhxb2ZwQ3lSTlFxNENWVUhfa1NfelBaVmJIU0RfMjBnZ3lkamhJVUJGWVFTNDJDdlNpVWRKUHdYNVJoY2lFcWI0NXVTTy1SWnluUXJWbmxyaEIzTkFtVDlnYTNMblJaTXJzLQ?oc=5) · Dignity Memorial
- 2023-05-02 [Deana Tillotson – InterBank - Vanguard Law Magazine](https://news.google.com/rss/articles/CBMiekFVX3lxTE5KajZXWlBRZnlWUk1NOGhuOGpMWXVqNWNLdTFCM1AyLUk0NmdJNHlCMTdLTnFrWDh5V29NNnZMXzU1eU02SHB4UFlhWUFCZEN1WnZHdHBwRGVTcDJ3SUJQOGVPWXgzRnZVSG5ackVLcUYtUEdSRzkydDVR?oc=5) · Vanguard Law Magazine
- 2017-01-16 [Ray Washburne’s Office Wall - Texas Monthly](https://news.google.com/rss/articles/CBMic0FVX3lxTE1pSG1QS1UtN1hsZHJ6OHF5dnFPQk9NdUt1d01MVXVtTnlFQ2VBcW1ZT2RCQ19ndDdUb2Z4Zk5zX0p3WG9Sald2UFZ1RXZuR2l0cFZ1dGlyOGMwdE80LUVhS080MG9RN2VzdVVnR0dldXl2bEk?oc=5) · Texas Monthly
- 2022-03-20 [Darrell Wootton Obituary (1945 - 2022) - Dallas News](https://news.google.com/rss/articles/CBMipAFBVV95cUxNbVNyTUU2eTZUQzhBSEpLaHFZMTA3ZDRwOEFIam1UM0IxRlZzOXEwcHBvODk2RHhYcVJKMzg0c2dYTlUtaFR0LUhVTHVGTXFCcGtFMkFpQ1ZlNlByajJiRTdGZGxIU0V0VjhYYkZJODl5UlFKWUFxWjBINEF3dmZyUVhoSkNBUVh4Z1lxRFRhZjdCVG1vN1VyaXFpZkpFejU4VHpnaw?oc=5) · Dallas News
- 2013-10-16 [Park Cities Bank finds buyer to recapitalize and meet regulatory requirements - Dallas News](https://news.google.com/rss/articles/CBMiwwFBVV95cUxNU3E4eTl1TE11RldaTjhVeU1NZmt1cXJlandXSnpaWmdFSEhTX2Z4Xzk3Um52amdEaW9jSGpfQ0FPY196RjlMYmxNOE1PVFZpQTFPYkRJS2lxMU84UU1MTEVleXVuT29xOWM3OVBwZFpJdEhMaFZBa1V2U084Y0JhUDBsajJPZzdKaVc2WGpiaGpvbUs1VVJETFotemVoQ3pxNlhnaGd5dndyZDA4eGVwVXFxdlhVYlBUcXBvYjd5Zm1rLXc?oc=5) · Dallas News
- 2021-09-29 [Frank Marshall Obituary (1935 - 2017) - Dallas News](https://news.google.com/rss/articles/CBMiogFBVV95cUxNRGYyRWR2VWktaldra1BIS1JBYnhOQXRWZkFjVDFWeUlZeEdsMTNzTUVvRVJicG5MSElVTjJManZaMzZlengxekhfaEZsajNkUEF1b01qdFkxNFptdHZ5SkNUQ2pxRTF3dUR0eHBiNTNTcDBFRFRVSXVfSVNRdXhzYm9xbExpejFUdTZJc2xjTjVXOGJVTEk0R0VZaDZDOW44Qnc?oc=5) · Dallas News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57057 (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/33.json (key "57057", 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