# HARMONY BANK
DALLAS, TX · FDIC certificate 57922 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 1 (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 | $855.3M | |
| Deposits | $707.7M | |
| Loans and leases | $629.4M | |
| Total equity | $139.2M | |
| Loans / deposits | 87.98% (p66 of band) | 82.04% |
| Liquid assets / assets | 18.43% (p27 of band) | |
| Uninsured deposits / deposits | 41.41% (p89 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.90% (p68 of band) | 10.81% |
| Unrealized securities loss / equity | -3.71% (p69 of band) | -8.10% |
| AOCI / equity | -0.39% (p47 of band) | |
| ROA (annualized) | 1.16% (p43 of band) | 1.28% |
| Net interest margin | 5.02% (p93 of band) | 3.91% |
| Efficiency ratio | 59.80% (p45 of band) | |
| Noncurrent loans | 0.02% (p12 of band) | 0.43% |
| Net charge-offs (annualized) | 0.38% (p95 of band) | |
| Reserve coverage of noncurrent | 6932.65% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 92.66% (p83 of band) | |
| Auto loans | $558,000 (0.09% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 6.3% | |
| Employees | 99 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | construction >100% equity |  |
| 2011-06 | 0 |  | construction >100% equity |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 2 | capital falling, reserve under noncurrent |  |
| 2012-06 | 1 |  | reserve under noncurrent |
| 2012-09 | 2 | losing money |  |
| 2012-12 | 1 |  | capital falling |
| 2013-03 | 0 |  | losing money |
| 2013-06 | 0 |  |  |
| 2013-09 | 1 | capital falling |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 2 | construction >100% equity |  |
| 2014-06 | 1 |  | construction >100% equity |
| 2014-09 | 0 |  | capital falling |
| 2014-12 | 1 | construction >100% equity |  |
| 2015-03 | 1 | charge-offs p90 | construction >100% equity |
| 2015-06 | 2 | construction >100% equity |  |
| 2015-09 | 1 |  | charge-offs p90 |
| 2015-12 | 3 | capital falling, uninsured deposits leaving |  |
| 2016-03 | 2 |  | uninsured deposits leaving |
| 2016-06 | 1 |  | capital falling |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | capital falling |  |
| 2017-03 | 1 |  | capital falling |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 2 | capital falling |  |
| 2018-12 | 1 |  | capital falling |
| 2019-03 | 1 |  |  |
| 2019-06 | 2 | uninsured deposits leaving |  |
| 2019-09 | 1 |  | uninsured deposits leaving |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | capital falling |  |
| 2020-06 | 4 | loans exceed deposits, liquid assets <10% |  |
| 2020-09 | 1 |  | capital falling, loans exceed deposits, liquid assets <10% |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 3 | loans exceed deposits, liquid assets <10% |  |
| 2022-09 | 1 |  | loans exceed deposits, liquid assets <10% |
| 2022-12 | 5 | loans exceed deposits, liquid assets <10%, deposits shrinking, assets shrinking |  |
| 2023-03 | 4 |  | assets shrinking |
| 2023-06 | 0 |  | construction >100% equity, loans exceed deposits, liquid assets <10%, deposits shrinking |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 2 | capital falling, uninsured deposits leaving |  |
| 2024-12 | 0 |  | capital falling, uninsured deposits leaving |
| 2025-03 | 2 | charge-offs p90, construction >100% equity |  |
| 2025-06 | 3 | capital falling |  |
| 2025-09 | 2 |  | capital falling |
| 2025-12 | 0 |  | charge-offs p90, construction >100% equity |
| 2026-03 | 0 |  |  |
| 2026-06 | 1 | charge-offs p90 |  |

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

- 2026-05-05 [Harmony Bank taps new COO amid branch expansion push - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNX2o0X2xiSjFzUjEzWlpMRm9yM2pRNC1LRHRaeXB5ZlltMW5RbDZhTlhVdkVjeGdZSHo0M2J3RWNlTGRzN0NKOTlMdGNtSGlTeXhDVWFwdWxaTng1NExnSmtVT1FsVFhhekh5aUkxeDdhYVRTZjNtbXRfSTk0X0Y0Q3oxaDJQOXRVT2xHcFhkY2owR3VJYVFmeGFuOHgtUEV3NG8zbkJmcFc?oc=5) · The Business Journals
- 2026-05-11 [FBFK Law, Harmony Bank Both Appoint New COOs - D Magazine](https://news.google.com/rss/articles/CBMimwFBVV95cUxQNklmQlh1UkdnVmNsMlZwal9MMmItWmdheVRRaG1QWFd6SWs0bGdzU09LVXBzZ1FzQmg4NDc4czh4a1Y2VGZLRHpITVVMbnE5c0Q2YVVvMWxUanRVQVA2VUxUUnEyanZJZUk5SjFoTXlYUFYwWjRSVUZPOHAydG1kaE10SXNtcXlPeldJUV9oa0c5WTViUXdseElaOA?oc=5) · D Magazine
- 2026-05-04 [Harmony Bank Appoints Anne Witherspoon as Chief Operating Officer to Strengthen Operations and Client Experience - citybiz](https://news.google.com/rss/articles/CBMi5gFBVV95cUxQbDlQelJhVXVFdUdWc1pCeU1maDFuREVfWE90cXJTQm85UDhGeXVaSFZpWFdQSHZybVkwR0pCWFFVYkVxV0ZYX05QbG5sN0RmT0hETnhad3EzV09MdUwtVFFLdllBVFA0bjFzSXVkLWlGWGluUFVsQzlEU0tUYnd4cHpXZ0RKejZKeGUzLXF3WFB0Z3BtQUtKRWo2Ym9EdVhEdnFlVGwzWU5rWWhlS0x5Y05qNjhaeTQycFpoVWZ2Z1BaSXNCXzZvbTVoMTRTamVNNkJ0TVVKYl9rTllWemFEZTlRaWhBZw?oc=5) · citybiz
- 2026-08-04 [Harmony Bank Presents $5,000 Donation to Midlothian Fire Department in Honor of Firefighter’s Heroic Rescue - The Manila Times](https://news.google.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?oc=5) · The Manila Times
- 2026-02-13 [Bank leaders say North Texas remains a magnet for capital and talent - The Business Journals](https://news.google.com/rss/articles/CBMimwFBVV95cUxQR1cxcmlMeVROQ01FVmNNZFptNVBhUFhvRkV1MUttdG44eHNLbzRBTHc4V1kwMHBFbjdFRjZNXzM1LUJoR0lXd3dMSThkd1hqRElPWVhfVjRGMHltSUd6al82LWQ2S1pITVdUczhFV1QwUi1QTE5MUEFtYzVwQTExeXk4SHEzaV81U1NlSDhxTjJOdmpGNUg4V3ZGWQ?oc=5) · The Business Journals
- 2023-05-16 [Harmony Bank, Dallas’ Texas Brand Bank Close on Merger - Dallas Innovates](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPVGJpUGE5Zm1XVUNIbEFtRmtadWpHMXFMVG0zYU4tR29FS19nM3EzWjh3QjQyYVFya1FwUUtVWXl6QXE3djh2cUpsaTJsQl92eGJUME1qYWZESkdxMC1rc0JUMmtGM0xRZmlZWU95VUhsajhLak16ZDVodXlyYktKU0ZhYXYxcUNV?oc=5) · Dallas Innovates
- 2024-09-13 [Texas Brand, Harmony Bank announce merger - The Bank Slate](https://news.google.com/rss/articles/CBMihAFBVV95cUxOellKYzFldDVldjRDMVpsN2MxbjFZOEdYQTNaUjRTNUI1OWlyMFJNRnY5YVVLY1pSNVVpYWdrRXF4bS0ybHNVY1hPLTloOEVZUHgzdk5pQTVRQjlkN0d4cXdNcXF2Y0FBQWFCT2VEalhIUXh6YjVTbFkxaU1EVW1fUWJfOG0?oc=5) · The Bank Slate
- 2025-07-04 [Harmony Bank sets deeper roots in Dallas with Medical District branch - Dallas News](https://news.google.com/rss/articles/CBMiwwFBVV95cUxPNUIzUFlUV2JzOVZnVXNnRndDeWFxX2FQZXBLck5YeF9KUWVDZWhtRW94ajIxQ2F2TndmaVZPRXY4M0szVFoyZUhzakgyRUNWQUJqaWdYZXI4QS1pQ0ZMSDZnOExkcEE4NnFGM3pQZzE2cUFRdy1uMlZGZUxwV0t6OE1Ga1NXRURhcEVnZjNDUmdNZDYyS1Y2SE1xTGZoUG1NV2RqcTh3SzRkZ3RFM3V0STFEMkJpRGxaUFFkQjNKSlVRamc?oc=5) · Dallas News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57922 (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/2.json (key "57922", 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