# VERITEX COMMUNITY BANK
DALLAS, TX · FDIC certificate 57665 · asset band $10-100B · latest filing 2025-09 · stopped filing (departed)

**Verdict on the desk:** this could be *lender to lenders*. 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 | $12.71B | |
| Deposits | $10.81B | |
| Loans and leases | $9.66B | |
| Total equity | $1.76B | |
| Loans / deposits | 88.25% (p68 of band) | 83.10% |
| Liquid assets / assets | 18.17% (p27 of band) | |
| Uninsured deposits / deposits | 45.56% (p71 of band) | 38.60% |
| Brokered deposits | 13.59% | |
| Wholesale funding | 13.59% (p78 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.22% (p78 of band) | 10.23% |
| Unrealized securities loss / equity | -4.02% (p76 of band) | -7.90% |
| AOCI / equity | 2.15% (p51 of band) | |
| ROA (annualized) | 0.89% (p34 of band) | 1.06% |
| Net interest margin | 3.40% (p55 of band) | 3.35% |
| Efficiency ratio | 58.98% (p62 of band) | |
| Noncurrent loans | 1.17% (p80 of band) | 0.63% |
| Net charge-offs (annualized) | 0.16% (p67 of band) | |
| Reserve coverage of noncurrent | 101.58% | |
| Real estate % of loans | 65% | |
| Construction % of loans | 58.13% (p80 of band) | |
| Auto loans | $2.7M (0.03% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $2.18B (124% of equity) (p94 of band) | |
| Deposits YoY | -2.2% | |
| Employees | 858 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **loans-to-lenders >50% equity** (`conc_warehouse`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | capital falling |  |
| 2012-06 | 1 |  | capital falling |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 | capital falling | reserve under noncurrent |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 0 |  | capital falling |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | construction >100% equity |  |
| 2016-03 | 3 | brokered >10%, capital falling |  |
| 2016-06 | 1 |  | brokered >10%, capital falling |
| 2016-09 | 1 |  |  |
| 2016-12 | 3 | uninsured deposits >50%, capital falling |  |
| 2017-03 | 2 |  | construction >100% equity |
| 2017-06 | 1 |  | capital falling |
| 2017-09 | 0 |  | uninsured deposits >50% |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | capital falling |  |
| 2018-06 | 0 |  | capital falling |
| 2018-09 | 1 | reserve under noncurrent |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | charge-offs p90 |  |
| 2019-06 | 1 |  | charge-offs p90 |
| 2019-09 | 3 | wholesale funding >15%, charge-offs p90 |  |
| 2019-12 | 1 |  | wholesale funding >15%, charge-offs p90 |
| 2020-03 | 5 | loans exceed deposits, wholesale funding >15%, noncurrent p90, deposits shrinking |  |
| 2020-06 | 4 | capital falling | reserve under noncurrent, deposits shrinking |
| 2020-09 | 5 | reserve under noncurrent, loans-to-lenders >50% equity | capital falling |
| 2020-12 | 5 | charge-offs p90 | wholesale funding >15% |
| 2021-03 | 3 |  | loans exceed deposits, charge-offs p90 |
| 2021-06 | 4 | uninsured deposits >50%, run vulnerability, charge-offs p90 | noncurrent p90, reserve under noncurrent |
| 2021-09 | 5 | loans exceed deposits |  |
| 2021-12 | 4 |  | loans exceed deposits |
| 2022-03 | 4 |  |  |
| 2022-06 | 4 | wholesale funding >15% | charge-offs p90 |
| 2022-09 | 7 | loans exceed deposits, capital falling, construction >100% equity |  |
| 2022-12 | 8 | brokered >10% |  |
| 2023-03 | 6 |  | uninsured deposits >50%, run vulnerability |
| 2023-06 | 4 |  | capital falling, construction >100% equity |
| 2023-09 | 4 | construction >100% equity | loans exceed deposits |
| 2023-12 | 4 |  |  |
| 2024-03 | 4 | capital falling | construction >100% equity |
| 2024-06 | 4 |  |  |
| 2024-09 | 2 |  | wholesale funding >15%, capital falling |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |

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

- 2025-12-15 [Year in Review: Huntington's $1.9B acquisition of Veritex Community Bank was a Deal of the Week - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNUHJmd2dvT1p1akFYbXZIc3hGOWFTZFREZ25keEV1NVRJYTdIRW1SMFhLLWVUM2syRU5JejNkdUlhelBlSjlZcndvMkJZdDZBb1VEMC1HTEZLWDNXZ01YZlM5SnU1RWE5ekF5NVFNV0tsRDBGd1FOb2lhbHVzR2VOb196cnpBQzRZbzA0QjRFeWNoVkVaejZxTDFRZjlGWVZsdHFtdEh2MzVndw?oc=5) · The Business Journals
- 2025-10-27 [Huntington Bancshares Incorporated to Acquire Cadence Bank - Huntington Bancshares Incorporated (HBAN)](https://news.google.com/rss/articles/CBMiyAFBVV95cUxQZl9TTmdtRHdVY0dCSzZIMGtrUWhzc0xwWnhFYXpaUzRJdm10blFEcVNtTU55LVZubzcyVVN6aTdNeFlZb1g3V0lrWmZuSnh5Y3REVGxSRlo1eWRoLU9BWnZyenIxdjNxT2R5eUJvd29HZFY3UmNjenM2ME9HMWZqN0JlYUw3cmhlNDFZV05KcFZiVkJvSHprbzBiNTFlZm1sTDVRMW5jcEc4clhVUzQ0VUZYNGZqRTk2VWFsWHNENHJWTjd5M3BONA?oc=5) · Huntington Bancshares Incorporated (HBAN)
- 2025-10-27 [Huntington Bank making another acquisition to strengthen Texas ties - Fort Worth Report](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNcS1LSi13djhUdXhuNDROc0p5LUVaSUFkUVJnQi1NdWdUVVk3Vm9uLUliMWFrcGRFdHRhUG5Fd283LVJxTTlWTHlVZUdyb211N2dKcGVTQ2plVUREOWFXV3RkSTZmZHJZTWRrT0p0THhnQUlab1pOaWdQN2xvZGFsN0FzMk1jakRqWWxob0l5ZHNXSWRQcm1LdlpTYnV1V0t0elk2Zmw0NlgydTg?oc=5) · Fort Worth Report
- 2025-07-14 [Huntington to buy Texas bank for $1.9B - Banking Dive](https://news.google.com/rss/articles/CBMijwFBVV95cUxNWWtTblFvWUFJUnlWVlFNaU11cG5nd3A4YW1zV2ZvQnBrZWFnOHl6V1ZPSkxSaWdsUWo3cEhUcmlYdENpUWwzaWxwUFRFc1h0ek95cXd6amphSkMtNndVdFZPakY1dFhFLTNOVk5Kblhmb1BHNl9HREtzdk5rTVlXQW9NbXMzZXlBQ2k2U1Vtaw?oc=5) · Banking Dive
- 2025-07-14 [North Texas-based Veritex Bank agrees to $1.9B buyout - WFAA](https://news.google.com/rss/articles/CBMixwFBVV95cUxQSjFNS19lQUpFQXo1eXBBbk5ibFBXSmFjbWUwRk1NbHU4MTRFTUZXR2NtZTlFcXFZbUFVSndnOGRDa0hKSXFIWFYwS09vNlN3SlhPSGFQaUtobXZXcmxBOGgzRGhOUDhnOEhxOW8wZmRTRkxURFZFd1JSQU0taXUxVFdnelJDczV1eUNGckotYUNoVVoxNmExMzNwWXhrMmZ0bHRlajdXYWJTWV9hR0FCdDlSZEVjQzF1RG1aNjNFc0tud2hBTXNV?oc=5) · WFAA
- 2025-12-01 [Huntington National Bank to begin layoffs tied to Veritex acquisition - The Business Journals](https://news.google.com/rss/articles/CBMinAFBVV95cUxQeWo0MVRLZWVaUXBnVkJWLU9NVjlYODNtZVhremVTWVgtMmVXR2dWLVdOOFJlOVZ6dVBJWTJReVJKZWJLUUltWHJJUDlOemVZM2lkNG1iZ1ppRFpQQnd5Z2RSYk1zbUdOYXVyUmxIa0tFRXZhUndwY2loY2FBOFR3OTN0aWZqdlE5WVRZYjVPSXBHVU5mbVU1amRjUms?oc=5) · The Business Journals
- 2023-12-18 [How One Community Bank Drove $135 Million in Deposits in 90 Days - The Financial Brand](https://news.google.com/rss/articles/CBMitAFBVV95cUxNTHRGQVRmaS1nZG91QUp6M3dFX2xfVm1teHl4VTY1ZURCRmwyVkxZSVdRaU5TdVJPci10VUZvbjIzTWdKUURvZ2pNXzVOTFpaT0l3U05xMzJ2c1R1ak1YaVF3ZEF0UGhBOVE1SjI1dnR1UU9KM0k5X1pTSXJLalRuS1FTcWNfTXVvY3dWbjJVY1lxRDZFbWlIVUw3UnRyclBlcDhYN3B6eHFXemVvSjNWOGZSY18?oc=5) · The Financial Brand
- 2023-11-08 [Korn Ferry Tour, Veritex Bank Extend Veritex Bank Championship Deal - City of Arlington (.gov)](https://news.google.com/rss/articles/CBMi3wFBVV95cUxNTU5aa0VSVElIbHB3QTBNcnotQ2NMd2twcXpiYUt5T0pFeTlRSVlaREpJNzlackxjZ2N0YU92ajQ0Nkt2dTZyeHMxVUJMamNPUnhFWDZ5QTc1LVJVU1h6Qmp1QXlXcm1JeFJSeElwTnE1cFB2bFltNGlEMk1VMUJPVHA3cUtUeG5ETGNzT20wekhLVFptRmVMQ2tDNjlpazFSTklPSkU0ZmZXcmJmUVAwRkJTN1ZhYlBUejNYR0RTRXVWZWdyOVNEQzdvMXVPTFVDaC1qamJ0MU1lMTlfdkx3?oc=5) · City of Arlington (.gov)

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57665 (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/1.json (key "57665", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide