# TEXAS COMMUNITY BANK NA
THE WOODLANDS, TX · FDIC certificate 57431 · asset band <$300M · latest filing 2013-09 · FAILED

**Verdict on the desk:** this could be *credit-stressed*. Composite score 12 (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 | $159.3M | |
| Deposits | $142.6M | |
| Loans and leases | $87.8M | |
| Total equity | $3.3M | |
| Loans / deposits | 59.80% (p33 of band) | 69.26% |
| Liquid assets / assets | 33.42% (p47 of band) | |
| Uninsured deposits / deposits | 3.67% (p10 of band) | 11.87% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 1.86% (p0 of band) | 10.33% |
| Unrealized securities loss / equity | -2.52% (p32 of band) | -0.53% |
| AOCI / equity | -2.64% (p54 of band) | |
| ROA (annualized) | -3.57% (p1 of band) | 0.77% |
| Net interest margin | 2.76% (p13 of band) | 3.62% |
| Efficiency ratio | 193.04% (p99 of band) | |
| Noncurrent loans | 32.68% (p100 of band) | 1.08% |
| Net charge-offs (annualized) | 2.49% (p100 of band) | |
| Reserve coverage of noncurrent | 8.86% | |
| Real estate % of loans | 80% | |
| Construction % of loans | 561.12% (p100 of band) | |
| Auto loans | $92,000 (0.10% of loans; DQ 23.91%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -31.6% | |
| Employees | 26 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **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 | 5 | losing money, expense ratio p90, charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 4 |  | charge-offs p90 |
| 2011-09 | 5 | noncurrent p90 |  |
| 2011-12 | 6 | charge-offs p90 |  |
| 2012-03 | 11 | leverage <7%, capital falling, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2012-06 | 11 |  |  |
| 2012-09 | 13 | leverage <5% |  |
| 2012-12 | 13 |  |  |
| 2013-03 | 13 |  |  |
| 2013-06 | 11 |  | charge-offs p90, uninsured deposits leaving |
| 2013-09 | 12 | charge-offs p90 |  |

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

- 2013-12-13 [Regulators Close Texas Community Bank - NBC 5 Dallas-Fort Worth](https://news.google.com/rss/articles/CBMihwFBVV95cUxQYUhGTXJ4a3hFQ2NLLVhTNmVhcjgwU1d3eEE3NlpuQlF5VllYOTVya0YyS1VUVkNDeGdpUU5MekU2WHBrME15VGZ4Q0Z3ZVhpTVR4LWN1cUpCZVdZdUd4RGkzZ3FLUGEyNi0zR1NZTkFheDZnc0lGd1BPc3RWQldxWjAtX0xxMmfSAY8BQVVfeXFMT2hsRktNbFZYOEJTc2N3N05KczNWUHM4ZWpQYnZmSEJrYng1VVhoUEVOelZiSEN0b1FzdEFteERsc1JHdGlRbk54eUdzQ0tCSnZWMzBrT0l1SHFpM2I2cTZPR1FWWEJtbFNCVm9MZTUxWm05NUQ4a0x2QXR3bUhVSGYyZVg1b191T3RHZTdKVFk?oc=5) · NBC 5 Dallas-Fort Worth

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57431 (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/23.json (key "57431", 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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