# GRAND BANK
DALLAS, TX · FDIC certificate 57378 · asset band $300M-1B · latest filing 2015-09 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 3 (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 | $592.4M | |
| Deposits | $532.1M | |
| Loans and leases | $263.7M | |
| Total equity | $42.3M | |
| Loans / deposits | 49.07% (p7 of band) | 82.48% |
| Liquid assets / assets | 55.49% (p94 of band) | |
| Uninsured deposits / deposits | 60.94% (p99 of band) | 19.89% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.82% (p31 of band) | |
| FHLB advances / assets | 0.48% | |
| Tier 1 leverage | 7.31% (p2 of band) | 10.12% |
| Unrealized securities loss / equity | 0.62% (p37 of band) | 1.17% |
| AOCI / equity | 0.81% (p86 of band) | |
| ROA (annualized) | 0.60% (p23 of band) | 0.92% |
| Net interest margin | 2.10% (p2 of band) | 3.59% |
| Efficiency ratio | 71.91% (p59 of band) | |
| Noncurrent loans | 0.00% (p2 of band) | 0.75% |
| Net charge-offs (annualized) | 0.00% (p26 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 77% | |
| Construction % of loans | 168.57% (p98 of band) | |
| Auto loans | $6,000 (0.00% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 21.7% | |
| Employees | 42 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **NIM <2.5%** (`earn_nim`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | wholesale funding >15%, NIM <2.5%, construction >100% equity |  |
| 2011-06 | 1 |  | wholesale funding >15%, construction >100% equity |
| 2011-09 | 3 | wholesale funding >15%, capital falling |  |
| 2011-12 | 3 |  |  |
| 2012-03 | 2 | construction >100% equity | wholesale funding >15%, capital falling |
| 2012-06 | 2 | leverage <7% | construction >100% equity |
| 2012-09 | 2 |  |  |
| 2012-12 | 4 | wholesale funding >15%, construction >100% equity |  |
| 2013-03 | 4 | uninsured deposits >50% | leverage <7% |
| 2013-06 | 5 | leverage <7% |  |
| 2013-09 | 4 |  | leverage <7% |
| 2013-12 | 5 | deposits shrinking |  |
| 2014-03 | 4 |  | deposits shrinking |
| 2014-06 | 4 | assets shrinking | wholesale funding >15% |
| 2014-09 | 3 |  | assets shrinking |
| 2014-12 | 3 |  |  |
| 2015-03 | 3 |  |  |
| 2015-06 | 3 |  |  |
| 2015-09 | 3 |  |  |

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

- 2018-11-14 [Grand Bank of Texas signs merger agreement with BancorpSouth - DailyTrib.com](https://news.google.com/rss/articles/CBMinwFBVV95cUxNbG9ERFRQdFFJSklyWVdmNkRWeC03cWdpNmJyMllpYTN3aVlqUFlyTHB0VllERU1YaEEya2FFd1dKbzhVeEF5UkhWbnNkckJjZVhzMlZhYmFVTkdLWThLLVdWV19vRkJtREhjOEZ4eGxsSjlaOWQxbHdzRmdRZW9WbXRUdi0xLW51dmJyS2lGT1gwMFBzSFVyZTlYN1FYNG8?oc=5) · DailyTrib.com
- 2024-12-31 [36 Black-Owned Banks and Credit Unions, Sorted by State - businessinsider.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxQR2dKWjVxQ3RoR1BRQi0xZG5sYWowMmFaaF9xWUxVTkZiYlMtTGlTcGgtcGxCZldrMHd2VEQzOWFDNjFUMFVtM1lkNHFEc1gzYU1zMWdVTm1NNk1UWlpESUdBalRXZ3ZMSlNkX0x0ZHB4cVcybF9TN1R0b1NxZVh4TEhReEJ1SVg2dU5TY0tpTnhIdw?oc=5) · businessinsider.com
- 2013-05-02 [Mesh Mask Bandit Sought by FBI Digital Billboards on Display - fbi.gov](https://news.google.com/rss/articles/CBMihgFBVV95cUxOdHB6dDdLZ0VSRnVEb0x4c2xEaTZNT015bkx3S1dha3Y0eDNkRHVtVWR5SmdQLV9GdzNDODlyMl9Yb0YzaUd6ejF5TkFwc0kyQU1rT05rM3d0UjRvUU8zdTczeF9BV09ORWM0QWtrMWltN25KZWhMNEFnT1k4MnBOUlNHUGlCUQ?oc=5) · fbi.gov
- 2022-11-07 [BIZ BRIEF: Horseshoe Bay bank gets new name - DailyTrib.com](https://news.google.com/rss/articles/CBMihwFBVV95cUxOMlNEMTBuVXUzc25KQ3BidGpOcVJvTFBuQVctdFdjMzFtWVpFbkJKOVpwLVFTU01jNlRadlVBNjBOWTZoNUQ4ZmUzOHp5UjRod1ZjTTlzZEJOZUN5cDliTk9xTzhSNkYwRjRqbldmUlpfMUx1UENtZHd0cnF1YjVIa1ZHRFhWNWc?oc=5) · DailyTrib.com
- 2022-01-27 [Locally owned Texas Brand Bank plans Bishop Arts location - Oak Cliff Advocate](https://news.google.com/rss/articles/CBMiakFVX3lxTE9Pdlo4b2lVRnMwd0RPMmtWVFI3Rmhuc0lOTDY2WGdzUlBpRDhZLVNqSFNxZ3RtYWRjdU9mMDF2M2dRa0t4MkJwbktIVHhLQnFyNFo2Q19rUkpUakxlVVFMOXh5cWEwWWdlTmc?oc=5) · Oak Cliff Advocate
- 2013-11-16 [Grand Bank opens new branch in Hamilton - NJ.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxPMTZPVTJFR1NXWFR2Z0ktblIwOHN3a1RFUkpXR1YzWlQtVlVDR0E0Q1pIWkwzdXBBbEFwcDJyaDdwMG1LYURxV2c4QjJBdm1SbEdKa2h3ZHFkblk2eVpzRGlHWC15SFYtNFN1U04xSHQxRlgwdlp4YzhkUHk3Tl9SYXFtUHU?oc=5) · NJ.com
- 2023-08-17 [DFW Bank Snapshot: Take a closer look at Oakwood Bank - The Business Journals](https://news.google.com/rss/articles/CBMimwFBVV95cUxQLUhHNEFGWTRVY1FubzJYWFhKUndxNDE0SGxrdUU5T29US0VfTUhyTmk3VGRrY3lWdVhLaWRmbUo4QU90aFptZ0dwM2lIYkZHc1pPY25iOWhsX000ak1nQXd5enB0TW1rRjVHVnp4TGJIcDh2TDU1MW01SzNSdWRuYmJfNUtmbFZJMG9wQ05KdXZsM1cxblE5bXJCcw?oc=5) · The Business Journals
- 2020-10-08 [Alfred Goode Obituary (1935 - 2020) - Dallas News](https://news.google.com/rss/articles/CBMinwFBVV95cUxPcjdJNEFINUdJRkZqcHYyMkY1eTBPNHhWYTQxcHkwbEdjZnB3bHBaTlRReW1feDNwdDQxOXpCYS03U0g2bTVzaThJVG5XMDBxcU5INno0T3JoRHJzTlNYNUdXaGprdHAycERmQUhJNmJyRHFqSnpOemE0aDBlY0tBUjJKSWVQaVlnNEFsNDNHTUdIMlJhanQzRm1IU0lSLWM?oc=5) · Dallas News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57378 (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/34.json (key "57378", 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