# WORTHINGTON BANK
ARLINGTON, TX · FDIC certificate 57414 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. 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 | $655.4M | |
| Deposits | $589.4M | |
| Loans and leases | $496.3M | |
| Total equity | $62.8M | |
| Loans / deposits | 83.32% (p54 of band) | 82.04% |
| Liquid assets / assets | 22.30% (p41 of band) | |
| Uninsured deposits / deposits | 43.91% (p91 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.31% (p19 of band) | 10.81% |
| Unrealized securities loss / equity | 0.00% (p97 of band) | -8.10% |
| AOCI / equity | 0.06% (p83 of band) | |
| ROA (annualized) | 1.16% (p43 of band) | 1.28% |
| Net interest margin | 4.28% (p71 of band) | 3.91% |
| Efficiency ratio | 60.19% (p47 of band) | |
| Noncurrent loans | 0.16% (p30 of band) | 0.43% |
| Net charge-offs (annualized) | 0.01% (p54 of band) | |
| Reserve coverage of noncurrent | 655.89% | |
| Real estate % of loans | 87% | |
| Construction % of loans | 161.07% (p98 of band) | |
| Auto loans | $662,000 (0.13% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 11.1% | |
| Employees | 80 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 0 |  | reserve under noncurrent |
| 2011-12 | 1 | capital falling |  |
| 2012-03 | 0 |  | capital falling |
| 2012-06 | 3 | losing money, expense ratio p90, charge-offs p90 |  |
| 2012-09 | 2 |  | expense ratio p90 |
| 2012-12 | 3 | expense ratio p90 |  |
| 2013-03 | 0 |  | losing money, charge-offs p90, expense ratio p90 |
| 2013-06 | 3 | reserve under noncurrent, deposits shrinking, assets shrinking |  |
| 2013-09 | 1 |  | deposits shrinking, assets shrinking |
| 2013-12 | 2 | construction >100% equity |  |
| 2014-03 | 1 |  | construction >100% equity |
| 2014-06 | 0 |  | reserve under noncurrent |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | capital falling |  |
| 2015-09 | 0 |  | capital falling |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | construction >100% equity |  |
| 2016-12 | 1 | capital falling | construction >100% equity |
| 2017-03 | 0 |  | capital falling |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | capital falling |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | capital falling |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 0 |  | capital falling |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 4 | losing money, expense ratio p90, NIM <2.5% |  |
| 2022-06 | 0 |  | capital falling, losing money, expense ratio p90, NIM <2.5% |
| 2022-09 | 1 | construction >100% equity |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 2 | deposits shrinking |  |
| 2023-09 | 1 |  | deposits shrinking |
| 2023-12 | 2 | capital falling |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 1 |  | capital falling |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 2 | capital falling |  |

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

- 2026-05-29 [Worthington Bank adds Keller Harbuck as vice president of commercial banking in downtown Fort Worth office - Fort Worth Report](https://news.google.com/rss/articles/CBMi3wFBVV95cUxPOGpreG9FcVRSWVVDaEFQOWduUHZVSDZCNHVjRTB1ek5SbmNXLW00d1pXMmM1STJCU19Ybk5lVWZtMkJZWjdkT1ZTVEJKNEticndkdTdwRnJPeWdsM25vMUxrMEZObS1QbGNyQ0YyNUZXUnBicXVtaXZjVVhlamRJSWxEaV9nZjhsYmNvRFpJZGNfOVZNbmszVlppbEVuclhBb2p3NTB6Q1FvMEw0SHlKYlhPS3lrY21DU1VmZkEzWU9tZ3VTU0VFdkgxa3VRYzRnZmZnZXN4bEs3VVlNRGVB?oc=5) · Fort Worth Report
- 2026-05-29 [Worthington Bank Names Keller Harbuck Vice President of Commercial Banking - Fort Worth Inc.](https://news.google.com/rss/articles/CBMilgFBVV95cUxPaE9Pa1YxYzF5TllpUWdWUzVEXzhkQmU0YU5iRlZjNTJ3bjl0blUyZ2F1RVJtRlhOcjk1VTFXMmZBUlVaZ3dBbmVvdjROTEs0cWtWeGd3RU1VNDlqTlVhcm1HLUJYNENPOGFwQkNDNWNaOVJ0Q3ZGVXFyQk9EcXBNQXVfeUxzMWJqMzVpMWdRa2J0dDZIUlE?oc=5) · Fort Worth Inc.
- 2026-03-31 [Worthington Bank names Compton as Arlington market president and Evans as chief lending officer - Fort Worth Report](https://news.google.com/rss/articles/CBMi0AFBVV95cUxOSktBN2UtNHNFeEVCZHVuOXBkVFlYZ3p2ek9LSFFjR21LSjBxU2hHOHlsRmR1TUY5UFhDUGpNWFRkNW9fczdxak5wZFF2QWJ0N1JvVUVXM0lyRi13T05Qd1lnZWNqdjNhTlJjU2JrNE82aGh3OGJVZFU3SzhlR2VMM25yMDNqQU8zbVNtZnRTY1BIZ2lWa2JYbTNhdGVSYm5vVUxxU1MwQnRqQk9hNWExMDhoUHczMUVNR09nX09FY19CVng0cF9yTFc0TmJrelJI?oc=5) · Fort Worth Report
- 2025-11-21 [Price named CEO of Worthington Bank as Morse becomes executive chairman - Fort Worth Report](https://news.google.com/rss/articles/CBMisAFBVV95cUxNbE9kVldvRjZRN1Rnc21pNFBPcFFqYUFqOENEeVFXdGprVi1tUm9kd0h6YXZ0bzYxY3VEdHRicENfQTk1Ykh3ZVNObThLUzRhNFdVeVZoRk1aLVd3c0dSYS0zNm9aZTBGaUh4cXlwT1pZYlRXcVBJSm1ZeWRGdXpVbFhwQ1hHTFd5NkxIU20zYzNxbjdRR09vNkJVLWpXT3pZWDhZcjBsMUdvWmNHWHMtTQ?oc=5) · Fort Worth Report
- 2024-09-09 [A bank is planning a $55M headquarters tower in a booming area of North Texas - WFAA](https://news.google.com/rss/articles/CBMigAJBVV95cUxQWk9jSXFiTVFNUWVhRkprVjB1X0VjR0VPNXN0UGUzcnhkYkZacHpKYzEwMF9tY2VPcm1vcVEzWTRfWXBaWjIyZDdkMUV5UDhIY3c2UXVsdHVOaDlnN3RTQ2xES1FkdUpwbVNjOGtyaUNoZDFnUy1CWUdaakFIdVhJVWhXZWIwOFJCTWRhdG1RdEppY3JGUnlIVFVhZmRqWHJ5V09uSXZBcnZ4b1FNb21CWnJkd0txZXFsWEhoTnUwUGFFQzE5OTRWczByQjZvMmY1TUY5M01jbEZZRng2UEJvTU1xbDF4Uk5CWlU3U0pjSDIyaUNpTV9hZlZZdURlSV9Y?oc=5) · WFAA
- 2024-09-05 [Worthington Bank Planting Stakes in Walsh Development - Fort Worth Magazine](https://news.google.com/rss/articles/CBMiggFBVV95cUxPQ29kek5IVEQ2ZDk2Sjl6MEhEOWc4YlBiRjVzVnJ0QldvYnpVQWtJSmNkTGFpSHdsM00wUW9qNGVCdkRxVEhkakxjN0ttVWtsUGw4RjZ6d2IxWVdjemhEM3dXam5XdVBOSUR0MEJZMWNEcldzVmNON0xMOWFGZUs1R1hn?oc=5) · Fort Worth Magazine
- 2023-09-05 [Worthington Bank CEO Greg Morse says if bank is not at $1.5 billion in assets within 5 years, he'll quit - The Business Journals](https://news.google.com/rss/articles/CBMinAFBVV95cUxQOEpqelNqSVdaX1MtQmlYQktqNDY1MXN4UXZtbWZSRGl1U2xMYURZVzJHbFEwa3FhV3hUbjBzWmlJQ3ZaVmxBUTFDbzl0SjhYTUg5Y3MtVFdjOUpla0hTSzIwZVRoVVJRbzEtOERONDQtUVFtTjU5NHFSdzA3UGR5M0pBc212dlU2QlVPa0dtNExzNDF1QzFuSnFlZjc?oc=5) · The Business Journals
- 2024-09-09 [Worthington Bank to build $55M HQ in wide-open West Fort Worth - The Real Deal](https://news.google.com/rss/articles/CBMirgFBVV95cUxPU1I1dkhobHZna3hBTDRZRmVMdTllN0VZcFZoTXJKZHd2RVY1RFBoYlI5Y0oyT05BS2RqWFNrVWN3NWkwVW5uQU04M283S1VIMHhwWWEtWHBtbFRkWWI3d1htVURlaHJHMTREOVVOOTR5UlVub202eWhUMW5TSWRPUk1jLTA5MkMybkxxWllfN0dibVZ6Q3JrU0dBdzFSNXNkRmhQWHVieEtfZk5kTFE?oc=5) · The Real Deal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57414 (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/6.json (key "57414", 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