# ICON BANK OF TEXAS NA
HOUSTON, TX · FDIC certificate 58378 · asset band $300M-1B · latest filing 2018-09 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. 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 | $762.9M | |
| Deposits | $676.1M | |
| Loans and leases | $650.4M | |
| Total equity | $74.3M | |
| Loans / deposits | 95.10% (p73 of band) | 86.40% |
| Liquid assets / assets | 7.92% (p3 of band) | |
| Uninsured deposits / deposits | 38.06% (p88 of band) | 21.53% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.33% (p26 of band) | |
| FHLB advances / assets | 1.33% | |
| Tier 1 leverage | 9.76% (p34 of band) | 10.49% |
| Unrealized securities loss / equity | 0.00% (p94 of band) | -3.26% |
| AOCI / equity | 0.01% (p98 of band) | |
| ROA (annualized) | 0.30% (p4 of band) | 1.12% |
| Net interest margin | 5.37% (p98 of band) | 3.75% |
| Efficiency ratio | 96.39% (p99 of band) | |
| Noncurrent loans | 1.77% (p89 of band) | 0.51% |
| Net charge-offs (annualized) | 0.05% (p67 of band) | |
| Reserve coverage of noncurrent | 64.91% | |
| Real estate % of loans | 74% | |
| Construction % of loans | 203.48% (p100 of band) | |
| Auto loans | $5.9M (0.91% of loans; DQ 2.93%, NCO 0.00%) | |
| Loans to nondepository financials | $21.9M (29% of equity) (p98 of band) | |
| Deposits YoY | -2.0% | |
| Employees | 124 | |

## Flags firing in the latest filing

- **liquid assets <10%** (`liq_thin`)
- **expense ratio p90** (`earn_efficiency`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

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

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

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58378 (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/10.json (key "58378", 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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