# AUSTIN CAPITAL BANK SSB
AUSTIN, TX · FDIC certificate 58082 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 6 (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 | $395.4M | |
| Deposits | $308.4M | |
| Loans and leases | $341.2M | |
| Total equity | $43.3M | |
| Loans / deposits | 110.12% (p97 of band) | 82.04% |
| Liquid assets / assets | 8.29% (p2 of band) | |
| Uninsured deposits / deposits | 13.05% (p9 of band) | 25.97% |
| Brokered deposits | 3.79% | |
| Wholesale funding | 13.91% (p85 of band) | |
| FHLB advances / assets | 10.12% | |
| Tier 1 leverage | 10.22% (p39 of band) | 10.81% |
| Unrealized securities loss / equity | 1.38% (p100 of band) | -8.10% |
| AOCI / equity | -0.46% (p43 of band) | |
| ROA (annualized) | 0.95% (p29 of band) | 1.28% |
| Net interest margin | 6.79% (p99 of band) | 3.91% |
| Efficiency ratio | 86.02% (p93 of band) | |
| Noncurrent loans | 0.30% (p42 of band) | 0.43% |
| Net charge-offs (annualized) | -0.01% (p12 of band) | |
| Reserve coverage of noncurrent | 156.59% | |
| Real estate % of loans | 43% | |
| Construction % of loans | 0.00% (p2 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -28.4% | |
| Employees | 80 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **liquid assets <10%** (`liq_thin`)
- **expense ratio p90** (`earn_efficiency`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | losing money, expense ratio p90 |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 | deposits shrinking, assets shrinking | losing money, expense ratio p90 |
| 2012-06 | 0 |  | deposits shrinking, assets shrinking |
| 2012-09 | 2 | capital falling, expense ratio p90 |  |
| 2012-12 | 2 | loans exceed deposits | expense ratio p90 |
| 2013-03 | 0 |  | capital falling, loans exceed deposits |
| 2013-06 | 0 |  |  |
| 2013-09 | 1 | capital falling |  |
| 2013-12 | 0 |  | capital falling |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | capital falling |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 | uninsured deposits leaving | capital falling |
| 2015-09 | 0 |  | uninsured deposits leaving |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | loans exceed deposits |  |
| 2016-06 | 0 |  | loans exceed deposits |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | capital falling |  |
| 2017-09 | 2 | uninsured deposits leaving |  |
| 2017-12 | 0 |  | capital falling, uninsured deposits leaving |
| 2018-03 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2018-06 | 4 | loans exceed deposits, expense ratio p90 | uninsured deposits leaving |
| 2018-09 | 4 |  |  |
| 2018-12 | 5 | wholesale funding >15% |  |
| 2019-03 | 4 |  | assets shrinking |
| 2019-06 | 2 |  | deposits shrinking, expense ratio p90 |
| 2019-09 | 4 | capital falling, expense ratio p90 |  |
| 2019-12 | 2 |  | loans exceed deposits, wholesale funding >15% |
| 2020-03 | 2 |  |  |
| 2020-06 | 1 |  | expense ratio p90 |
| 2020-09 | 1 |  |  |
| 2020-12 | 2 | uninsured deposits leaving |  |
| 2021-03 | 3 | liquid assets <10%, expense ratio p90 | capital falling |
| 2021-06 | 2 |  | liquid assets <10% |
| 2021-09 | 4 | leverage <7%, capital falling |  |
| 2021-12 | 3 |  | uninsured deposits leaving |
| 2022-03 | 2 |  | capital falling |
| 2022-06 | 1 |  | leverage <7% |
| 2022-09 | 3 | deposits shrinking, assets shrinking |  |
| 2022-12 | 5 | losing money, reserve under noncurrent |  |
| 2023-03 | 6 | uninsured deposits leaving |  |
| 2023-06 | 4 |  | losing money, reserve under noncurrent |
| 2023-09 | 6 | loans exceed deposits, losing money |  |
| 2023-12 | 5 |  | loans exceed deposits |
| 2024-03 | 3 | capital falling | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2024-06 | 4 | loans exceed deposits |  |
| 2024-09 | 5 | wholesale funding >15% |  |
| 2024-12 | 5 | liquid assets <10% | losing money |
| 2025-03 | 6 | reserve under noncurrent |  |
| 2025-06 | 4 |  | wholesale funding >15%, reserve under noncurrent |
| 2025-09 | 5 | uninsured deposits leaving |  |
| 2025-12 | 3 |  | capital falling, uninsured deposits leaving |
| 2026-03 | 6 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2026-06 | 6 |  |  |

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

- 2014-09-19 [Libertad Bank shifts business model and rebrands with new name - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxQdFR0VVhSNURVaUtyNk9WTmd4eW42N0p0LV9VRF9ud3NxZ0NqY2VYYlJ1bzlfQVprMHRlbzdMNXEyUHFldjFxRXBGNjVpdjBtWlRkWGJiNHlPRTR5QmtScWJwOHB5OU8ta0FIclRoVExhVGY0Nk5vdUF6Q3BjSllHQUlJbWlDMWJIb09WcFIwQkRLWFk5cTF4X3MtZXNFcW5ob1FFS2lJVQ?oc=5) · The Business Journals
- 2023-03-13 [THE ACCELERATION GROUP LAUNCHES TO HELP CRAFT SPIRIT COMPANIES GROW - Shore Fire Media](https://news.google.com/rss/articles/CBMipwFBVV95cUxOeGM3a0JYbWtpaUlzLVV4UHlfcWcwbWpFay1jRms3MldNVkRJajY5aDJBZkp5dkNQNDlzSkhHUXdMMl9ZbUpHeUZPcHhacXRIRTloLWdic0czejBZaG5BaTNZelVab2RoZTZOV2o3MUM5SFdOMmllQzdFUWd0Rk5MWXFCZVkzMU1xN0lrWDZzMTd1MGk0cmFFZG1XVzA0bnFweEM2dEhnVQ?oc=5) · Shore Fire Media
- 2025-12-08 [CreditStrong Review [2026]: Can It Help You Improve Your Credit? - FinanceBuzz](https://news.google.com/rss/articles/CBMiVkFVX3lxTE5DQVVjbnFfUHotamZkTTdmeWhlTC1CSnMyS01SRWwyNXM0X092V2Y3SU8tVVByYmR2akVsSExCckE2ZDhlVmdjRXV4Z2NqQ0dGcHdVYW5R?oc=5) · FinanceBuzz

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58082 (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/34.json (key "58082", 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