# WESTBOUND BANK
KATY, TX · FDIC certificate 58417 · asset band <$300M · latest filing 2018-03 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $229.7M | |
| Deposits | $190.5M | |
| Loans and leases | $163.8M | |
| Total equity | $24.5M | |
| Loans / deposits | 84.92% (p68 of band) | 75.02% |
| Liquid assets / assets | 21.95% (p29 of band) | |
| Uninsured deposits / deposits | 33.84% (p93 of band) | 15.14% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 5.88% (p71 of band) | |
| FHLB advances / assets | 5.88% | |
| Tier 1 leverage | 11.00% (p49 of band) | 11.04% |
| Unrealized securities loss / equity | -2.95% (p42 of band) | -2.21% |
| AOCI / equity | -0.94% (p53 of band) | |
| ROA (annualized) | 0.27% (p12 of band) | 0.95% |
| Net interest margin | 3.88% (p59 of band) | 3.73% |
| Efficiency ratio | 92.57% (p91 of band) | |
| Noncurrent loans | 0.00% (p8 of band) | 0.60% |
| Net charge-offs (annualized) | -0.05% (p8 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 85% | |
| Construction % of loans | 84.91% (p91 of band) | |
| Auto loans | $263,000 (0.16% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 13.3% | |
| Employees | 35 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

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

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

- 2018-01-29 [Guaranty Bancshares to enter Houston with Westbound Bank deal - American Banker](https://news.google.com/rss/articles/CBMingFBVV95cUxQZ3pha3RNbEJmRkpkVFQxM2tRMjZCb1p3QTJudmdmRkl2UWNiSXlZYmhnUk5XU1JtMXQxTDJjZUpLUlhaaUVoeG1lRmhpVWc5b19zUkxROWJDQnNEQjlYUXlwWElCRmdhaThlYmU2SHdfVExIRUlmektGUkZxd1ZGS013V19WdnhfYnZROUxocGVRbGRzVmFaelc5aGdzUQ?oc=5) · American Banker
- 2018-06-05 [Guaranty Bancshares, Inc. Acquires Westbound Bank - GlobeNewswire](https://news.google.com/rss/articles/CBMiuwFBVV95cUxPQU02WUlqQjVhRWVpeUliWmE0b2REdWtNOXJoai1tT2Z1MXpJbGVZSVNqUzhPQWxXLUwwdEVRaGlOMW0wVDN6V1FXeTd0R1dOQ1plUGNjQlNNbnI0ZlhfZTI0dnYxb0Y0alN1Tm9fZ2M3ZlBCa1EwMUdZY2owaHJldE5NZE5OaXUtRV9SRG9tdzJVSHVkSHRpWTBNeUNfdkU1WTAxN2RVZWdiR0c2Q0xjbnNOTjdDelNBZHhN?oc=5) · GlobeNewswire
- 2025-06-25 [Montana-based bank to acquire Guaranty Bank & Trust in $476 million deal - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPT3lpMWgyeUNWd3BpaTdLUDB4aU90N0dyUGV2OWNtdVA5QjNuU3NHZGZ2Q0V4a1dLaE9jMk53cEcxcExwd2owWTQyeURaV1dHUGJhSGJuNTZMSG1yUWhHY0ZpdmwxdjdNYmxYTFlEcUZoTXFhSVZxejVXVUFCMmhBN2lwSUxPY3ZiVjFncDc5N3kyRGFzczg4SndsdkFPZjk4M0oxbU9IejQ?oc=5) · The Business Journals
- 2015-05-01 [People in Business - Chron](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNWUJwT3VnOGVJMnhYeTdjQjMtTzlabmpRb1M4anZ1U0FwTFlJcXpueU44bUtYbDQ1S21DdXZ0MUFTU1JEblZETHZEeVhxQ0l0SlNTaEMybzBVUnpocFU4OVRpQjRFeFlKTVUzamV2LTZsS09qMnlsbkNCRWVnbXk5Z0NEeGdFT1Zi?oc=5) · Chron
- 2019-11-07 [Jessica Mills Obituary - Houston, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMigAFBVV95cUxNMDJWaG5waGlaZU54SXRxREx3dTFXQkNUTTJpRlVEaDhFclh5MWc1R1FkeFBxbzlrbW42anBBb1cxckZkNmdCTWVzTGoteGpiTmNDOEFOWnlLcWFDTEVtLUlRY01COXA1Q1RaRkR1aXdmY0RMU25pa25Pb3pEdE16NA?oc=5) · Dignity Memorial
- 2018-06-08 [North Texas bank eyes expansion with downtown Austin office in the works - The Business Journals](https://news.google.com/rss/articles/CBMiowFBVV95cUxPT2Fyd0RDdTBBQlBIZTQwT0RNalVnV0laZHhPaVp0Vi1YT0VLRW9NX01nWjN5YlNvMVQ2dmJIcHZkU3ZMOGdGelN2aDVldjNCZ19VcDVLbzE2Qnk4d2ZxcmptU1BvZmxrTUFPYlpYcmV2cWg5T19kN0pKMUFvU3FDN21BYnBjX2M5NUs3RUpMdVpaWE5SVVdhZHdXTDFtN3RyS1hr?oc=5) · The Business Journals
- 2016-09-24 [Lobsterfest turns 30 - The Courier of Montgomery County](https://news.google.com/rss/articles/CBMimgFBVV95cUxPU040MktTdkRzWDREbXM3WHkyeXhRQ1BTeUN0Z29DQmp5YzlJZHZnSTZVZUZCc2RPMFF2X2JLS2YtTHR3dFBMSTk3cS01djRPVU11OGVsUl9tTkgydnQyZ0VjUGZRbF9uUTExS0ZkS0J4VXVCNkl1cHJfWDQwemhSUWYwa2c5ZDA0RmtwVENvWE1nY0FybXlWZnlB?oc=5) · The Courier of Montgomery County
- 2008-04-25 [Steve Mouzourakis Obituary (2008) - Houston, TX - Houston Chronicle - legacy.com](https://news.google.com/rss/articles/CBMingFBVV95cUxQM0NTY3hHQnF2Rl9VTnlvb2ZpTzVTdGlwVFlwUTMtZ09LeTFQa0NsRjRXdkNLaWQ0eGwwNm1Dd0gtcGRCWjhaaGJYN2Ntd3I4NkdkX0N5cHE4d3pUczE0eFYzMHNQbWN0amVEdUJYalBUT3NSdUxfODJtTGVUdXk3Z3E5MDVVYTViM21JbHk1bGlid2ZPR1lLMWlEZkswQQ?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58417 (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/49.json (key "58417", 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