# BANK OF RIVER OAKS
HOUSTON, TX · FDIC certificate 58142 · asset band $300M-1B · latest filing 2018-06 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (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 | $437.7M | |
| Deposits | $369.3M | |
| Loans and leases | $342.4M | |
| Total equity | $48.9M | |
| Loans / deposits | 91.67% (p65 of band) | 86.00% |
| Liquid assets / assets | 19.59% (p40 of band) | |
| Uninsured deposits / deposits | 34.33% (p84 of band) | 21.20% |
| Brokered deposits | 16.46% | |
| Wholesale funding | 20.57% (p93 of band) | |
| FHLB advances / assets | 4.11% | |
| Tier 1 leverage | 11.22% (p66 of band) | 10.47% |
| Unrealized securities loss / equity | -4.51% (p29 of band) | -2.60% |
| AOCI / equity | -1.81% (p41 of band) | |
| ROA (annualized) | 1.46% (p76 of band) | 1.09% |
| Net interest margin | 4.06% (p72 of band) | 3.71% |
| Efficiency ratio | 54.67% (p18 of band) | |
| Noncurrent loans | 0.17% (p22 of band) | 0.52% |
| Net charge-offs (annualized) | 0.00% (p33 of band) | |
| Reserve coverage of noncurrent | 665.16% | |
| Real estate % of loans | 66% | |
| Construction % of loans | 78.53% (p80 of band) | |
| Auto loans | $137,000 (0.04% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 1.1% | |
| Employees | 40 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 0 |  | reserve under noncurrent |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 0 |  | capital falling |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | construction >100% equity |  |
| 2015-12 | 4 | wholesale funding >15%, capital falling, charge-offs p90 |  |
| 2016-03 | 2 |  | wholesale funding >15%, capital falling |
| 2016-06 | 1 |  | construction >100% equity |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 | wholesale funding >15% | charge-offs p90 |
| 2017-03 | 2 | brokered >10% |  |
| 2017-06 | 4 | charge-offs p90, uninsured deposits leaving |  |
| 2017-09 | 5 | construction >100% equity |  |
| 2017-12 | 4 | capital falling | wholesale funding >15%, uninsured deposits leaving |
| 2018-03 | 3 | wholesale funding >15% | charge-offs p90, capital falling |
| 2018-06 | 2 |  | construction >100% equity |

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

- 2018-02-14 [Update: Houston community bank acquired by Dallas-based bank for $85M - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxPUjhNUDZvV0VrdDJmY1FSM3RIbThxOUN4c003UHB1YmI5eDYyVG00bi0xVnp4Z2EyWm9tSmVOcjV0UVVJU0RScG9fa0ZqbHZ0OUl4MWlweEpwc2hmb2pWZ1U5ZWtxSnZoazFJSDlCdm5waTdRUi1EdXBhMTdpR3l0VVFDQzZXTmNZeFp0c2V4UXg4cC00SE5lLTk1T1RYak54ZVA3VnZHUQ?oc=5) · The Business Journals
- 2018-02-14 [The Bank of River Oaks to sell for $85 million to Hilltop - Chron](https://news.google.com/rss/articles/CBMirAFBVV95cUxPN3I0RHZDTDlydFgxNjFVc3JhaDFtbUxQaWNOSFV4RHh2V0hHanJFNHN6TkpBYzUxb0hPendhdVg1dk01NE1UUWUzcXowcWljWG03bEh0SHVXNHVka0gyRUJISUNFYldVdTJVcVhzOHpjMnpTbGdPVENyX2pReUJxMDhWMGh6djJ2Q3hfaVowaXVZRHFCd1p3MWhFSGdIMlZVN245Yjc4Tl9BR0ZF?oc=5) · Chron
- 2019-05-09 [Group plans new bank in Houston - American Banker](https://news.google.com/rss/articles/CBMidkFVX3lxTE1WeEUwUVRlOEVfRnM3UkNkdVdrcjZ4MEZPclFXSnM1VG5tYVoxbU9Fd1FOT01DcWZtdkRlNWtyWDZEQ1k4ak15c21IbnhidjZDM3RaVEN4dkRocmJKMFdjSUNreTRvdWFiRUFrUV9zazRveG1RRGc?oc=5) · American Banker
- 2024-10-24 [St. Regis Residences unveils details of luxury $2.4M River Oaks condominiums - Community Impact](https://news.google.com/rss/articles/CBMi2gFBVV95cUxNMmVKXzJ5b3ZvaUxvV0NrRUQwbm53WU0xNFJ0T1RsREdzZTVXbkhHNGtLYTJhVV9Da0pLRTg0YkFQdUFkbGhxWFUzUWJfSmwtTWw2bFA4UldWV0JJUlNqUTN6TXU5d0NWRDJLN1hEYU1FNGNhaG92T1RMOHphX3pQcUt5WXc3eU1LMWlnZC1pNTlsMXJrX0NqZ1pvRWExazVjZ3V3WU8zMlFRNW1wODJnbldfb2N5QlhPbEdhakhfUXc1Uk00RXY4WG1mRzJfYUhaS2lVZFJrLU9WZw?oc=5) · Community Impact
- 2020-08-31 [PlainsCapital Bank expands to new region of Houston - Houston Chronicle](https://news.google.com/rss/articles/CBMitwFBVV95cUxOX2p5bWVHSVUxbXhvdENEamFFVXBYbDc5Z3dpeDFkZ3Z3RGRBcloxY285WnkxSndsdHM3TXBTZXQ5OENPYU9abGY3N1JKWm1sVGV1NDRvX1kySzBUTGNPN0QyVTM1NEJsZnBuU2ppVVJ2VUxKdlRGU28tbXd3X25RNkFReXkyYXBubUp1Um5UX01RUGFnNnFtYXJxYUlGRGpkb29sVG16MklTQ29ZRDRUMnlBRFRNajQ?oc=5) · Houston Chronicle
- 2018-02-16 [Deal of the Week: The Bank of River Oaks to be acquired by Dallas bank - The Business Journals](https://news.google.com/rss/articles/CBMipAFBVV95cUxNYUc1X1VDQXg2bkJ4RDZ0YndNeTk0N1hBbjBaNjJZblY0TUNfc1paRUQ4WFNmRDVBNDNUM1pmVUhiaWdJa2ZVODZXT1VBSUNRQk51R2MxSXQ1aVBkQ01GSWpXa0FTSzRLaFUtV01vMzRNT0lyNHVmUk5Fa1F3MmFwTVZsdEptTWxpRzdKb2JLRkp6d01CSldHbVp0WklZODcwWnF2RA?oc=5) · The Business Journals
- 2025-09-10 [SouthState Welcomes Large Group of Bankers Across Expanding Footprint - PR Newswire](https://news.google.com/rss/articles/CBMiwwFBVV95cUxPa1o3V2lIbnVBazJfZ2hvY1B0QnFpQ2xfUU1mQVBQQ3RyMFhvS1pFMXVZaEpaOFNWLUZUVjlzLVdRcWFGVi1YcjhjRVhKaUpORldRc2JWQnZURmkzcERTcjdmb0xkc2dhaEJCOXdMR1BBNHZaNGROMGFUVWZpVjM4ajNScHp0ZVh5S2ZONlhWUnlyUDRQTk1wSVFpMDM5V3pzRWRqeDljQTFsVlY0Vkdta1FpN2l5NDR6VjVUd2hDazUtS3c?oc=5) · PR Newswire
- 2026-02-26 [Jorge Mario Gonzalez Zamora Obituary August 22, 2009 - herbwalker.com](https://news.google.com/rss/articles/CBMia0FVX3lxTE90Y0plTDBpMlRyaWl5VURZY0R6VS05T1d4aEtxUTJpMXNNZmZ0UndkblFiSUdQWTZrTmtUcTlaNHhkcFF3NzI3dXJkZ29ZSVVYSVgybUVrT3hwOW1zTlJSb2YxQ0NWZHhpbGxR?oc=5) · herbwalker.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58142 (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/30.json (key "58142", 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