# POST OAK BANK N A
HOUSTON, TX · FDIC certificate 57729 · asset band $1-10B · latest filing 2018-09 · stopped filing (departed)

**Verdict on the desk:** this could be *run candidate*. Composite score 3 (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 | $1.49B | |
| Deposits | $1.29B | |
| Loans and leases | $1.18B | |
| Total equity | $162.2M | |
| Loans / deposits | 90.34% (p49 of band) | 90.76% |
| Liquid assets / assets | 18.33% (p43 of band) | |
| Uninsured deposits / deposits | 64.54% (p98 of band) | 26.76% |
| Brokered deposits | 2.40% | |
| Wholesale funding | 4.42% (p32 of band) | |
| FHLB advances / assets | 2.02% | |
| Tier 1 leverage | 10.74% (p63 of band) | 10.18% |
| Unrealized securities loss / equity | -0.48% (p87 of band) | -3.35% |
| AOCI / equity | -0.19% (p87 of band) | |
| ROA (annualized) | 1.40% (p70 of band) | 1.18% |
| Net interest margin | 4.16% (p82 of band) | 3.63% |
| Efficiency ratio | 54.77% (p28 of band) | |
| Noncurrent loans | 0.17% (p17 of band) | 0.48% |
| Net charge-offs (annualized) | 0.06% (p68 of band) | |
| Reserve coverage of noncurrent | 583.87% | |
| Real estate % of loans | 79% | |
| Construction % of loans | 118.09% (p96 of band) | |
| Auto loans | $2.2M (0.19% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $5.1M (3% of equity) (p84 of band) | |
| Deposits YoY | 6.5% | |
| Employees | 187 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **run vulnerability** (`liq_runrisk`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 2 | uninsured deposits >50% |  |
| 2014-06 | 1 | construction >100% equity | capital falling, uninsured deposits >50% |
| 2014-09 | 1 |  |  |
| 2014-12 | 4 | uninsured deposits >50%, capital falling, run vulnerability |  |
| 2015-03 | 3 |  | capital falling |
| 2015-06 | 3 |  |  |
| 2015-09 | 2 |  | run vulnerability |
| 2015-12 | 3 | run vulnerability |  |
| 2016-03 | 3 |  |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 3 |  |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 3 |  |  |
| 2017-12 | 4 | capital falling |  |
| 2018-03 | 3 |  | capital falling |
| 2018-06 | 3 |  |  |
| 2018-09 | 3 |  |  |

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

- 2018-04-30 [Allegiance Bancshares to acquire another Houston bank - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxONjRmYWhoVzg5SkxxOTRsbzhMNmNUcFo2eEhEdGpzZjgyb3BCZWE5RHFENG5zQ3VvOTJ5MTZVX2REbHNwbGhlWlZYb3AwTWFZdUVubWlSbFdnM0FmMTg0b1kzS2pWQnJDSWNMc1puTlRZSTlhS0pCLVdsYmZxV3dGS2lwSVhBclY1RzNMcHlnYWh4ZnpUZjBUVmVvVVE4VjdqTndyVG4zeFI?oc=5) · The Business Journals
- 2018-09-12 [Houston bank ends planned merger, names new CEO, president - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxOalI2OVhqaThRVi1nczVVTmhtTzlKMEJ2NEI1enpITE4ydzZma2tlRVZmaWhkY2FhMkRqc2hzYk04OFdoVU9qaThYVHFXMXc1VzlHLVhVenlUNUlaUFJNVXFEV1ZYWkJIUnlqQUVYRHFhdmd4ckFlN09aaXB1SXo4bnMzVFNZRDlWb3hmenVOR0M5cU9IbGE4VWI0UHRJRmdDaEtmVlZ3?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57729 (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 "57729", 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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