# TEXAS CITIZENS BANK NA
PASADENA, TX · FDIC certificate 58319 · asset band $300M-1B · latest filing 2021-12 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. 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 | $545.8M | |
| Deposits | $482.8M | |
| Loans and leases | $358.5M | |
| Total equity | $56.7M | |
| Loans / deposits | 72.91% (p59 of band) | 68.49% |
| Liquid assets / assets | 31.17% (p39 of band) | |
| Uninsured deposits / deposits | 39.47% (p83 of band) | 27.18% |
| Brokered deposits | 0.09% | |
| Wholesale funding | 0.25% (p33 of band) | |
| FHLB advances / assets | 0.16% | |
| Tier 1 leverage | 10.60% (p67 of band) | 9.74% |
| Unrealized securities loss / equity | -3.75% (p9 of band) | 0.00% |
| AOCI / equity | 0.00% (p91 of band) | |
| ROA (annualized) | 0.73% (p19 of band) | 1.15% |
| Net interest margin | 3.82% (p80 of band) | 3.31% |
| Efficiency ratio | 84.05% (p93 of band) | |
| Noncurrent loans | 2.23% (p95 of band) | 0.31% |
| Net charge-offs (annualized) | 0.02% (p67 of band) | |
| Reserve coverage of noncurrent | 81.28% | |
| Real estate % of loans | 77% | |
| Construction % of loans | 68.24% (p75 of band) | |
| Auto loans | $164,000 (0.05% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $18.2M (32% of equity) (p99 of band) | |
| Deposits YoY | 15.2% | |
| Employees | 91 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | losing money, expense ratio p90 |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 3 | capital falling |  |
| 2011-12 | 3 |  |  |
| 2012-03 | 2 | reserve under noncurrent | expense ratio p90, capital falling |
| 2012-06 | 3 | construction >100% equity |  |
| 2012-09 | 3 | charge-offs p90 | reserve under noncurrent |
| 2012-12 | 2 |  | construction >100% equity |
| 2013-03 | 0 |  | losing money, charge-offs p90 |
| 2013-06 | 0 |  |  |
| 2013-09 | 1 | construction >100% equity |  |
| 2013-12 | 0 |  | construction >100% equity |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | construction >100% equity |  |
| 2015-03 | 2 | capital falling |  |
| 2015-06 | 0 |  | construction >100% equity, capital falling |
| 2015-09 | 1 | construction >100% equity |  |
| 2015-12 | 4 | liquid assets <10%, capital falling, charge-offs p90 |  |
| 2016-03 | 2 |  | capital falling, charge-offs p90 |
| 2016-06 | 1 |  | liquid assets <10% |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | loans exceed deposits |  |
| 2017-03 | 1 | reserve under noncurrent | construction >100% equity, loans exceed deposits |
| 2017-06 | 5 | loans exceed deposits, wholesale funding >15%, charge-offs p90, construction >100% equity |  |
| 2017-09 | 7 | liquid assets <10%, capital falling, expense ratio p90 | reserve under noncurrent |
| 2017-12 | 6 |  | charge-offs p90 |
| 2018-03 | 9 | losing money, noncurrent p90, charge-offs p90, reserve under noncurrent | expense ratio p90 |
| 2018-06 | 7 |  | capital falling, noncurrent p90 |
| 2018-09 | 4 |  | liquid assets <10%, losing money, reserve under noncurrent |
| 2018-12 | 4 |  |  |
| 2019-03 | 4 | losing money | wholesale funding >15% |
| 2019-06 | 3 |  | losing money |
| 2019-09 | 2 |  | construction >100% equity |
| 2019-12 | 2 | assets shrinking | loans exceed deposits |
| 2020-03 | 8 | wholesale funding >15%, losing money, expense ratio p90, noncurrent p90, reserve under noncurrent, deposits shrinking |  |
| 2020-06 | 8 | loans exceed deposits, capital falling | assets shrinking, deposits shrinking |
| 2020-09 | 5 |  | wholesale funding >15%, losing money, capital falling |
| 2020-12 | 4 |  | loans exceed deposits |
| 2021-03 | 4 |  |  |
| 2021-06 | 5 | assets shrinking |  |
| 2021-09 | 4 |  | charge-offs p90 |
| 2021-12 | 3 |  | assets shrinking |

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

- 2021-10-26 [Baton Rouge-based bank to enter Houston market with acquisition of Texas Citizens Bank - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQbHIwcXVmTXg3dW1ibE5Hbm4xRUlGcUdmM09Eb3BpMlB0QjZnMFA4NW84dDdtQkZnRVRjTWhjdThfdGYwN1JBZThyVlByN1g1ZDBjOHhWTE5DVEljdE1ValBudFRpZmNDamlWR1czanNkbUhmakt2XzUxbjZCRElvMEthMk1CQjZRY2xRVDJGLWNYa1pySXU1aEM3OWEtQUhjXzh3QnEwQ2VLdw?oc=5) · The Business Journals
- 2026-05-22 [Baton Rouge-based B1bank to open new office near Uptown to serve as Houston hub - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOajVGelFiNEExU1Q0c19nU0VoS2c1WXJWZXU2Zk02MndMVGdMZkVhVFhZcm1nem1JQmRMYndRQ2J5MnN6WUxSMkl0LWZKRW1ydWIwcmhhOC0tb1dxN0x1Zm5xZV9KY295Z1pERk5oNDJzTDRud2hpajFkbkZNVElZZDEyY2ttVUF3S1NRMUVnWXdTcnl3bFdJUmVjMmJaOTlobUUtdWRNS0s?oc=5) · The Business Journals
- 2026-01-20 [B1bank's parent co. hires former Veritex exec as Houston regional president, head of private banking - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNVDcySnBQdjAzWHRyRi1SaHlMejBrY1BXdm9Za09hQjc3T3BCQ1drZXRucnhFUFRTbDNtREZ0TDdBd3Vpbm94QjZkZElFSDBIdXdqaDF5ekVFQTJsb2U5c25aNnMta2dWUEZyOTBiQVpHVjJwbWFLSFJxb3kzTHczenZULTNKQVd1X3VaYUt2SVJ4eXY1d3NMS0k5dEdPM21IVHRiLXdhcWRCSUk?oc=5) · The Business Journals
- 2019-11-21 [North Texas community bank opens first branch inside Houston's Beltway 8 - The Business Journals](https://news.google.com/rss/articles/CBMipAFBVV95cUxNekh0SHZrN1JuZUNvdHFCWWY3NkVUazI3Z01tUjdmR1JiMnpUamFRM0FjYlRfTEZUcl9ZNzQ4dVJ0WTdtU0llWi1uQW8tdnFZUTFUQVE0ODdUNmR6SW5uaG8zcWxxSlIyV2ZfVWpwazh6bkxsZklSX2xQNXV2MmZ2OVpHVU91ekxkeUhqV1ZHN2VEa2RvVGFwVzZSWVViTE5kX0oxaA?oc=5) · The Business Journals
- 2021-12-15 [Louisiana-based bank to enter Houston market with Texan Bank acquisition - The Business Journals](https://news.google.com/rss/articles/CBMikgFBVV95cUxOLTItaW1zbzdIQnlVbmdvOENmc2YyOU5QRXM0WGw3X0ZEZVRNaWtHaGdqbWVPOF8xWDVPRkJtNnI3T1lDZ2lJRXdtU1g0ck5XWThLZXczTXFDXzBBNFBKaXdCdXExQ1V6SGVOUDJLeExHM3R0OTc2TU8wNXF6WTV0Q2VHQWplTWNCZzRZRWJqMUZzdw?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58319 (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/15.json (key "58319", 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