# TEXSTAR NATIONAL BANK
UNIVERSAL CITY, TX · FDIC certificate 57704 · asset band $300M-1B · latest filing 2022-09 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 4 (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 | $397.1M | |
| Deposits | $358.5M | |
| Loans and leases | $206.1M | |
| Total equity | $36.1M | |
| Loans / deposits | 55.86% (p21 of band) | 72.27% |
| Liquid assets / assets | 45.32% (p79 of band) | |
| Uninsured deposits / deposits | 47.72% (p92 of band) | 27.64% |
| Brokered deposits | 1.92% | |
| Wholesale funding | 1.92% (p46 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.23% (p33 of band) | 9.98% |
| Unrealized securities loss / equity | -8.52% (p80 of band) | -28.34% |
| AOCI / equity | -7.70% (p74 of band) | |
| ROA (annualized) | 0.22% (p4 of band) | 1.08% |
| Net interest margin | 2.77% (p15 of band) | 3.33% |
| Efficiency ratio | 91.72% (p97 of band) | |
| Noncurrent loans | 0.00% (p5 of band) | 0.24% |
| Net charge-offs (annualized) | 0.00% (p30 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 91% | |
| Construction % of loans | 101.68% (p78 of band) | |
| Auto loans | $217,000 (0.11% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -7.4% | |
| Employees | 35 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)
- **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 | 2 | brokered >10%, wholesale funding >15% |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 3 | deposits shrinking, assets shrinking | wholesale funding >15% |
| 2012-09 | 1 |  | deposits shrinking, assets shrinking |
| 2012-12 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2013-03 | 1 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2013-06 | 1 | capital falling | brokered >10% |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 0 |  | capital falling |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | capital falling |  |
| 2014-12 | 0 |  | capital falling |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | capital falling |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 0 |  | capital falling |
| 2017-06 | 1 | brokered >10% |  |
| 2017-09 | 0 |  | brokered >10% |
| 2017-12 | 1 | wholesale funding >15% |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 2 | brokered >10% |  |
| 2018-12 | 1 |  | brokered >10% |
| 2019-03 | 2 | brokered >10% |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 3 | capital falling |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 1 |  | wholesale funding >15%, brokered >10% |
| 2020-06 | 2 | wholesale funding >15% |  |
| 2020-09 | 3 | brokered >10% |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 3 |  |  |
| 2021-06 | 2 |  | wholesale funding >15% |
| 2021-09 | 2 | wholesale funding >15% | capital falling |
| 2021-12 | 3 | construction >100% equity |  |
| 2022-03 | 2 |  | wholesale funding >15% |
| 2022-06 | 1 |  | brokered >10% |
| 2022-09 | 4 | expense ratio p90, deposits shrinking, assets shrinking |  |

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

- 2022-06-13 [Corpus Christi bank acquiring San Antonio-area institution - San Antonio Express-News](https://news.google.com/rss/articles/CBMinwFBVV95cUxQTVRBSmtEal81b2lkcWxxVUdvSTRVeWtza0hhanQta2xXYl9ONVdjOTYwbHBReG5FZ2d2bmlfM2paYWFwd00wYlB5Tk5JQTJhQjRtdWJtT1F4VVBKaUdQTVRfUTlvRERhbVFLemFBbkVuUWhiYjRrTU9QdWhPRFNYb216N25PWXNYejBwak1ZWVQyMVRNSmQ3THJkczRZX0k?oc=5) · San Antonio Express-News
- 2022-06-10 [Latest banking news, June 10, 2022 - American Banker](https://news.google.com/rss/articles/CBMid0FVX3lxTE1vdE82RERnekc3dDR4UmY4SE1ISW1QUFFwOElzQ2puLUZsanVKSndpdFJPQ1BsSU96VWE3Wko2Xy02aVVhTVh5U0VnLUcxaVRoYXRyVVotTHN0cGhKbTQ0Q0ZxdHI4aHRNbzlrM1ZqYWZ3NktCZ09V?oc=5) · American Banker
- 2023-07-05 [Following merger, Corpus Christi bank names new local leaders to cement SA foothold - The Business Journals](https://news.google.com/rss/articles/CBMirAFBVV95cUxOUnRCa0g2aGlYMHVlWGZYdV9GLTRlWnA0eUhxeHplN0Y3Y0xFN1EwSVJ2NWl6TlBaWDVTdFRpRmI2U2JZdlNYUlFuYjZFa2VLazVFV29qRVZHTGZPcWdBRS1rNW5UUXc5ZnJMc2hDU1JpNVM1TEoxeThGWUdoMGVUMnJqN0hLeXFiOTVfZVBrY2VZY294WUZ5eG04MXk0QVNISHhIQkNNc0lyclF2?oc=5) · The Business Journals
- 2023-04-03 [Corpus Christi-based American Bank completes local acquisition - The Business Journals](https://news.google.com/rss/articles/CBMiowFBVV95cUxONGl0cHRpbnhVbVlwTWxCMWJmV21SOE9QMGU5Z2U1bm9ISWJDNVJMYzMxaHJEd1g2MEF5N0pSS1RhZF9ZekJmZFAtMzA0RGxrVDFqeHRZZ1RPVEhDVFZJS2FwN1R6eldlZU1VM0UxdGxaQmF3T2dteUZob3RyR0JXTnAzb2stc2hJai1fN0pVMlUzLWpXc1FTREVaYV9RU2VKaEkw?oc=5) · The Business Journals
- 2025-10-01 [San Antonio’s Texas Partners Bank being bought by Prosperity in $269M deal - San Antonio Express-News](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNeUNTWlhsbElaeF9Xa0ZNY3ZMRExpdkt4aUpMT0Vya29Pb2FWQ1p4ZFZDamhmRUdiQ3VaTjI2MzVod18zLVNLa05iWFotSkpHYTFWMno0RkdfNlpWd1NoQXg2cWEzSDZ2OUxrTlNFWXNGaUJSbXR1QVVYWlhNczl1ZmFheVlwVnNHLTZYRlZ5cVh2ajZZdnZWQXdmVWx1Z2VlMnNSUTMycWs?oc=5) · San Antonio Express-News
- 2022-02-14 [Kenneth Donley Obituary - San Antonio, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPMXBzeFhjeHM1azdBNVBxekRTMkNDa1VONWltaUUwT1pPclluR1JBRXg4dDF0X05OQU00SXVzaG95R2wtMHNTQzhkMmVCZUZiczRqaHA4eEcya1pPcFJaemJ4VmlBU3dtMEhaSFRobGI0WGdmY2VjeWxtZXJtWlVMSHdLQUVpQmQt?oc=5) · Dignity Memorial
- 2018-10-29 [West Texas bank with SA roots starts online bank for doctors - The Business Journals](https://news.google.com/rss/articles/CBMirAFBVV95cUxOUXpJdzBCMkRGLXVhcmtPb1hKdW5pUzlrXzQyWm9URjFQdTY4UlhEa1RQQll6RjJJTTBWbmp1NmFRUDVLSzA4bmQzUjhpWDNyTXA5dTlWUF9FOG5BSHhwRzdiejEtSEtaZm1OemNDcFJMcVBsZWJrRkVsYzJKdHRuTW0yLTh0aWJ2c3BfVkFVZzQ5RDV1WlVOZ2tSUDVmLWxMcE96MU05bVBoVE1K?oc=5) · The Business Journals
- 2023-06-19 [Vernon Webb Obituary (2015) - Cibolo, TX - Chapel Hill Funeral Home, Crematory & Memorial Park - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxQUWVpOUtOcEwyQXBmME9EZXRqaEYyZk1wSWN1dF9kaFEzZXNXUVVWVkoyWWVRVjJ1NWxaZlVXMnUyUlR0dG4xLXRsZ2FvVXRPSDdsYzhlazA3NFBvMS1Pd3Bxc0tla1U3eHBFWk8yZ0JCeW8zTHJGQTltWmdVbTJlUDhn?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57704 (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/40.json (key "57704", 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