# PRESTON STATE BANK
DALLAS, TX · FDIC certificate 57650 · asset band <$300M · latest filing 2014-12 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. 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 | $119.4M | |
| Deposits | $93.3M | |
| Loans and leases | $110.1M | |
| Total equity | $23.8M | |
| Loans / deposits | 115.92% (p99 of band) | 71.50% |
| Liquid assets / assets | 7.64% (p2 of band) | |
| Uninsured deposits / deposits | 28.42% (p90 of band) | 13.21% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.84% (p42 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 20.04% (p95 of band) | 10.45% |
| Unrealized securities loss / equity | 0.82% (p56 of band) | 0.49% |
| AOCI / equity | 0.00% (p24 of band) | |
| ROA (annualized) | 1.06% (p67 of band) | 0.81% |
| Net interest margin | 4.52% (p88 of band) | 3.66% |
| Efficiency ratio | 82.20% (p70 of band) | |
| Noncurrent loans | 0.00% (p7 of band) | 0.76% |
| Net charge-offs (annualized) | -0.48% (p0 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 73% | |
| Construction % of loans | 88.96% (p94 of band) | |
| Auto loans | $721,000 (0.65% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $2.1M (9% of equity) (p99 of band) | |
| Deposits YoY | -0.1% | |
| Employees | 25 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **liquid assets <10%** (`liq_thin`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | noncurrent p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 4 | losing money, expense ratio p90 | noncurrent p90 |
| 2011-12 | 5 | noncurrent p90 |  |
| 2012-03 | 6 | deposits shrinking, assets shrinking | losing money |
| 2012-06 | 3 | losing money | construction >100% equity, noncurrent p90, deposits shrinking, assets shrinking |
| 2012-09 | 4 | deposits shrinking, assets shrinking | losing money |
| 2012-12 | 3 |  | assets shrinking |
| 2013-03 | 3 | assets shrinking | expense ratio p90 |
| 2013-06 | 4 | loans exceed deposits |  |
| 2013-09 | 0 |  | reserve under noncurrent, deposits shrinking, assets shrinking, loans exceed deposits |
| 2013-12 | 4 | loans exceed deposits, construction >100% equity, deposits shrinking, assets shrinking |  |
| 2014-03 | 1 |  | construction >100% equity, deposits shrinking, assets shrinking |
| 2014-06 | 0 |  | loans exceed deposits |
| 2014-09 | 1 | loans exceed deposits |  |
| 2014-12 | 2 | liquid assets <10% |  |

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

- 2015-04-07 [Guaranty Bank & Trust Expands into DFW market with Acquisition of Preston State Bank - Texarkana Today](https://news.google.com/rss/articles/CBMirgFBVV95cUxNWDV4S1BMckVHcVJBdDVYNmppOXlsbExmaGMxNUM0RnZIX0tMN2U2d2o1V01Ta3pwOFFNeE5MaERjSlVNUTFSRGdjQ0c4Q09RNGN3OTVXcy04NFhuaW1vY0thWm0zcFRKTkh6VlFTcDc5NmpaUVkwQVFWZWZzNEp1TC1GZlh6RWdSZWJjREgtTzZYVXhyenVIbzZYaXNqZmEtVWNRaThGOFRqTE0tNHc?oc=5) · Texarkana Today
- 2025-06-25 [Guaranty Bank being acquired - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxQcWhySmUzZ3E0OTNSNjFQZnlDYi0tTUE3OEw4T2N6TFhmam80TFhDaDZMUjBxMFhnaURxQ0NoSVJvelgxcmE0NTloZGgyVzJUMEp6WnNTcURTVEVKX0doTjJwclZ0Zm5qMEp2SUc0MmZsNDNHbzhUa3QxRm5Na3lUUl9oWWxDNkUxNGpQalBLOFI5NUpROTlTc1o5SlRNUXV6MkJJOFk1SQ?oc=5) · The Business Journals
- 2022-10-23 [Charles Angel, Obituary - Dallas, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMigAFBVV95cUxOeXBpV0g5NFVIVDI3OExMMTIzNi1IRmhxb2ZwQ3lSTlFxNENWVUhfa1NfelBaVmJIU0RfMjBnZ3lkamhJVUJGWVFTNDJDdlNpVWRKUHdYNVJoY2lFcWI0NXVTTy1SWnluUXJWbmxyaEIzTkFtVDlnYTNMblJaTXJzLQ?oc=5) · Dignity Memorial
- 2020-04-26 [Kathryn Pierce Obituary (1932 - 2020) - Dallas News](https://news.google.com/rss/articles/CBMiogFBVV95cUxNMmpnbWlQZl93TzBNTzVseXR6YXFPZi1yZ1p0U01pWFYxM1VsUi1aNVU5WE5MQmlKLUZKZ3dyLWNTOFFPM1U0TFF2b0YtUm1VOEtLM1lMQkJ5ZHZrbkVMcXR5Q1pIaVVZeWJvZkFPNzF1eThJZkdKMF92Mk81WGZLdjUtejdfd3Z3RDE5aDZSNlQ5bFNlYzJaTTlwNkpjSWg3Umc?oc=5) · Dallas News
- 2015-01-09 [Guaranty Bank & Trust Expands Their Texas Banking Franchise - KSST Radio](https://news.google.com/rss/articles/CBMilwFBVV95cUxPQUx2V1hZaklhNHpKNDcwNmc5bDNQaTBURVE2eUl5UUFiUWhmM0llVUFDb2ZwdTNSQmdFZkVUcGFPczluU0d2S3RVVXpiM2VmQ1g3dU56VS03a3VlZUVsenhrTF9ORkotUVNYQV9IQkNDb2laZG5tWkdLbXk5eVl6Sk1ud0V0aUl3S2EzRXRQS254cTROb1Jz?oc=5) · KSST Radio
- 2023-04-13 [DFW Bank Snapshot: Take a closer look at Guaranty Bank & Trust - The Business Journals](https://news.google.com/rss/articles/CBMimAFBVV95cUxOa0VrNHBSc0RUdkZCVmxhNFpPM0V3RFNqNzJmZnAtalNoUHEyMFU2R3J0a252cWJOTTZiSU1QdWF1djRWNDI3OG1tdTY4eGNLd0YybXZ3WnJETzl0d0gwSGZhak1wZWk5VzEycVpFUTc3X09rQTd1dUhETmFMalNwTjhZQmZjN25SQkpqTXYyZFdicTdmdWg3Wg?oc=5) · The Business Journals
- 2024-06-02 [Dorothy Summers-Hulsey Obituary - Dallas, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMijAFBVV95cUxQQlI0Z01uSlpOeWt5UlRzTlQzRnEyRTd2eWNqWW1hd0pnbFpMalFVdDFpWHRUanh2SXpzVlNtTU13MFh1b3RQbFhwOXFfb0hhV3l2NnFBZHdtQ0dCLW0zQklJVGd0UnVmRE5YeDlKVVNKbVhHU0JMdGlBZ2NrMTJENHlzcDRiTnBQSXVZNg?oc=5) · Dignity Memorial
- 2026-02-14 [Mary Barber Obituary - Dallas, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMifkFVX3lxTE1rcVVERVFIenh1bzUtb0VRSTdfaUwySjQ4NWlKUzJzOHhBcnVFc3l1S0ZOY29yLTQ0ejlyOXR3QmprVmRBOFktTnVsZGlPUC02R01hd096VE51UWhzM0duUXZEZFkzWVBpOFZuM1BCaV9MQWU2MUowX1B0MGNSZw?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57650 (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/50.json (key "57650", 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