# LEGACYTEXAS BANK
PLANO, TX · FDIC certificate 58006 · asset band $10-100B · latest filing 2019-09 · stopped filing (departed)

**Verdict on the desk:** this could be *lender to lenders*. Composite score 5 (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 | $10.47B | |
| Deposits | $6.62B | |
| Loans and leases | $9.15B | |
| Total equity | $1.24B | |
| Loans / deposits | 137.26% (p97 of band) | 92.38% |
| Liquid assets / assets | 8.08% (p3 of band) | |
| Uninsured deposits / deposits | 48.91% (p78 of band) | 35.96% |
| Brokered deposits | 6.50% | |
| Wholesale funding | 29.72% (p90 of band) | |
| FHLB advances / assets | 22.25% | |
| Tier 1 leverage | 10.92% (p73 of band) | 10.08% |
| Unrealized securities loss / equity | 0.26% (p27 of band) | 1.05% |
| AOCI / equity | 0.66% (p19 of band) | |
| ROA (annualized) | 1.47% (p66 of band) | 1.32% |
| Net interest margin | 3.85% (p66 of band) | 3.53% |
| Efficiency ratio | 44.52% (p27 of band) | |
| Noncurrent loans | 0.38% (p34 of band) | 0.53% |
| Net charge-offs (annualized) | 0.38% (p89 of band) | |
| Reserve coverage of noncurrent | 190.54% | |
| Real estate % of loans | 55% | |
| Construction % of loans | 23.87% (p45 of band) | |
| Auto loans | $25.1M (0.27% of loans; DQ 0.45%, NCO 0.00%) | |
| Loans to nondepository financials | $2.12B (171% of equity) (p96 of band) | |
| Deposits YoY | -2.9% | |
| Employees | 858 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **wholesale funding >15%** (`liq_wholesale`)
- **liquid assets <10%** (`liq_thin`)
- **capital falling** (`cap_falling`)
- **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 | 2 | wholesale funding >15% |  |
| 2011-09 | 3 | capital falling |  |
| 2011-12 | 2 |  | capital falling |
| 2012-03 | 4 | deposits shrinking, uninsured deposits leaving |  |
| 2012-06 | 4 | loans exceed deposits | deposits shrinking |
| 2012-09 | 5 | capital falling |  |
| 2012-12 | 3 |  | uninsured deposits leaving, capital falling |
| 2013-03 | 4 | loans-to-lenders >50% equity |  |
| 2013-06 | 4 |  |  |
| 2013-09 | 5 | assets shrinking |  |
| 2013-12 | 4 |  | assets shrinking |
| 2014-03 | 4 |  |  |
| 2014-06 | 4 |  |  |
| 2014-09 | 5 | capital falling |  |
| 2014-12 | 3 |  | reserve under noncurrent, capital falling |
| 2015-03 | 3 |  |  |
| 2015-06 | 4 | capital falling |  |
| 2015-09 | 5 | reserve under noncurrent |  |
| 2015-12 | 3 |  | capital falling, reserve under noncurrent |
| 2016-03 | 3 |  |  |
| 2016-06 | 4 | capital falling |  |
| 2016-09 | 3 |  | capital falling |
| 2016-12 | 6 | uninsured deposits >50%, run vulnerability, reserve under noncurrent |  |
| 2017-03 | 5 | charge-offs p90 | uninsured deposits >50%, run vulnerability |
| 2017-06 | 7 | uninsured deposits >50%, run vulnerability |  |
| 2017-09 | 8 | capital falling |  |
| 2017-12 | 8 | liquid assets <10% | capital falling |
| 2018-03 | 7 |  | reserve under noncurrent |
| 2018-06 | 7 |  |  |
| 2018-09 | 5 |  | uninsured deposits >50%, run vulnerability |
| 2018-12 | 7 | uninsured deposits >50%, run vulnerability |  |
| 2019-03 | 6 |  | charge-offs p90 |
| 2019-06 | 6 |  |  |
| 2019-09 | 5 | capital falling | uninsured deposits >50%, run vulnerability |

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

- 2019-11-01 [Prosperity Bancshares, Inc. ® Completes Merger With LegacyTexas Financial Group, Inc. - PR Newswire](https://news.google.com/rss/articles/CBMi0wFBVV95cUxQTGVxQjQ0YUd5bGFOVVhpaWlEVGRsX2pNU0tQQmVRMXBDVTRJWGg5dHdDRWdOVUdzeDk1NWkyX1NkM3g3Z2JyWjBtTl9OUjJWZHQ1cTRhSXpib081cC1YVVd3US1ncU0zb2liaW41b2REMFdoQmdNSEtxeU5ENlhBZUxjYVduVXVGNDRyMTNreDVaSUJKbDc2VlB0N0l4MUhla1VpaTVXeXJUTnB2V2JlMEpxSmJhQWF0d3FsbFRHX1pRb3hjNEdENmw3Z0xLcGJTeWk4?oc=5) · PR Newswire
- 2019-06-17 [Prosperity to buy LegacyTexas Bank for $2.1 billion - American Banker](https://news.google.com/rss/articles/CBMijgFBVV95cUxPclE4VHRST2JxZHU3bE5IYTJoYkNFRXhBMEYtRDhiNHFnQUdyTWJKYWF4NXdfVFpyQTJ1cEVGU3JjVmpOTnhHVG1qVHVmazlEZExHczUydlh0cjYtMXoyMmxuWUh1UllBQkxscHJpTXN4RTlEM3NYRlZUUW9tcFROdlZucUw3a2FIVFZ3TmxB?oc=5) · American Banker
- 2018-10-18 [Lennie Nicholson Wanted to be Radar O’Reilly, but Became a Great Banking Lawyer - The Texas Lawbook](https://news.google.com/rss/articles/CBMipgFBVV95cUxQcmYxLURnRWRQWmpoZ2gweENNUXJCOTNWbGdGZEFYVEtZSmRyZld1VmZPaVZSbDdUSGFtakQ0VHFscmRqTkxMY2o0Q29oYnc2VGVZTHhRRkd3N2FYZG1OQVBFT01QdlFKSVpjZ1pUbkZXQ3RLeGM0bGhHUTlPYzFtQ0RNa0dKSHZZU29WWE5BTzBuWmFkaEY3NHQ3S2RwcExWdDl3aEpB?oc=5) · The Texas Lawbook
- 2019-06-17 [Houston-based bank buys into Dallas-Fort Worth with $2.1 billion LegacyTexas acquisition - dallasnews.com](https://news.google.com/rss/articles/CBMi2wFBVV95cUxQZFlKWTZnamMtY2p4LWp6a3dnTUpzR2VRLXR6ZlY5UEI2RVFQM1BRRzNZd296Mk9mZ0huVFV3RW42VEI5WUtvSUNPSHRwN3p6eDRyQjdJckM3S1F1QXoyNjk0dnZ5QnlkU095RThnSG00Y2dKSVhWQjVRYTRTTlBFaW5FZ1BlTVFqNEFrSU1aSEtZNGJYZmxDdTdsZy1hQnFTWC1PX3pXSC02TmdDNVhzYXhVckNlQmxiR3IxUTdCSk11eTdtZWNJdU1KQ1NSWFowXzdfb0ZJOWNhUWM?oc=5) · dallasnews.com
- 2018-11-15 [Texas Bank and Trust names Tarrant County leaders, has new branch in Fort Worth - The Business Press](https://news.google.com/rss/articles/CBMiuAFBVV95cUxPTTBSZWExajI3b0V1cVF4UjVENTRIemxDM25tN09KWURZZ2dxN1VRSGlURThRM25RUVN1MXpLVGNoQTgyaUg2R2IxZWtjUWtQTlRiMk5BbTBzTWhWeTN6NDhxaFhUeFN5LWVNSXdxQUlQZEEzWXJYd2hrYUxyb1JTSDQzSHBZblpwTVI4bE1HS29Ed0tOdDA2RWNCOVk0MXpBb1Y3NFJDOVZReFhod1A5ZmNzOTRid3lG?oc=5) · The Business Press
- 2015-12-06 [Inside LegacyTexas: Three questions with CEO Kevin Hanigan - The Business Journals](https://news.google.com/rss/articles/CBMiogFBVV95cUxPV09URTVMOHN2R3JwbS1UMWZ6NFVSVDN1VWxKRDRfNnY2bGpIUGZ4VnhIWWxNZHBrNmRVaml6U1JPbmhweE5oY2h6R0lJNk1icjBYc0JmUWgxeDZDU1ZncEVkU0lJTzF1d1R5ZzVVdGl5QkIyendJS2g1S0JGVHpuQWRQdWk0cUNZREE0QnYzRE1EbURSZ0FnNlMyRjMybVQ2QkE?oc=5) · The Business Journals
- 2018-05-24 [Shelby Car Show at LegacyTexas Bank, Plano - Local Profile](https://news.google.com/rss/articles/CBMikgFBVV95cUxNOFl3a3RMaV91eVRvbEdCRjNpSjlQM3hQdG1JUW0wNEhsdE95RExwNXp2NTRKZEJzdUY1RE1EbTFoVkRLRGZ4RGJHX3NjckZRTG1Xa1BhZUl4VFNCTV9iWTkyeFhLTDJqRGxiQmtjOVd1MDlrLVIwVkx3SGVhcjZsb001NUJuaXpTVXpHNlQ3ekwxQdIBlwFBVV95cUxQcWRsUm5id0pLUXJBSmxzZExWRU5Zd0Q3YkJIZjltdjFXN1puMzBHQTEtcllYYVk5SHdJbW5VRFMtWkI1b0xaQkZvcDZvR002UndCSnJUNWFoRERCamVYb3dYREMzQkFsZWszLUFuNGNyYTE2czJveU5jdXhvV3pIVWltUlpnOVBkTTlPZmxOSm9HcDhhTDlZ?oc=5) · Local Profile
- 2019-12-14 [Texas Woman Says She Found $37 Million Deposited Into Her Bank Account - Newsweek](https://news.google.com/rss/articles/CBMiigFBVV95cUxNSmFrRm5ZVkNjd25NZnRtZlFqdW91dHBLejZ1Q2NSZklkTnhhbkIwUHltM0E5Tm9Wd3k5UVJnTnZDRV9NNXc0OGJPM1RTQnRxWHRwbVlydEx3bi05RlZVaEVyTUlTd2FSdjRHZ2FzQURWU0s0bUh3Ny1DZEtDbDBBcURVSm5vSUpDZVE?oc=5) · Newsweek

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58006 (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/22.json (key "58006", 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