# PEGASUS BANK
DALLAS, TX · FDIC certificate 58483 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. 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 | $1.46B | |
| Deposits | $1.27B | |
| Loans and leases | $923.5M | |
| Total equity | $165.1M | |
| Loans / deposits | 71.74% (p19 of band) | 87.10% |
| Liquid assets / assets | 34.06% (p83 of band) | |
| Uninsured deposits / deposits | 69.41% (p98 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.15% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.41% (p68 of band) | 10.50% |
| Unrealized securities loss / equity | -0.85% (p89 of band) | -7.75% |
| AOCI / equity | 0.05% (p81 of band) | |
| ROA (annualized) | 1.60% (p74 of band) | 1.26% |
| Net interest margin | 3.61% (p44 of band) | 3.70% |
| Efficiency ratio | 42.75% (p11 of band) | |
| Noncurrent loans | 0.00% (p2 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p18 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 57% | |
| Construction % of loans | 90.89% (p83 of band) | |
| Auto loans | $324,000 (0.04% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $78.7M (48% of equity) (p97 of band) | |
| Deposits YoY | 0.5% | |
| Employees | 77 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 2 | uninsured deposits >50%, NIM <2.5% |  |
| 2013-06 | 1 |  | NIM <2.5% |
| 2013-09 | 1 |  |  |
| 2013-12 | 3 | deposits shrinking, assets shrinking |  |
| 2014-03 | 1 |  | deposits shrinking, assets shrinking |
| 2014-06 | 2 | capital falling |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 2 | construction >100% equity | capital falling |
| 2015-06 | 2 |  |  |
| 2015-09 | 3 | capital falling |  |
| 2015-12 | 3 |  |  |
| 2016-03 | 3 |  |  |
| 2016-06 | 2 |  | capital falling |
| 2016-09 | 2 |  |  |
| 2016-12 | 4 | leverage <7%, capital falling |  |
| 2017-03 | 2 |  | leverage <7%, capital falling |
| 2017-06 | 3 | leverage <7% |  |
| 2017-09 | 3 |  |  |
| 2017-12 | 2 |  | leverage <7% |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 4 | leverage <7%, capital falling |  |
| 2018-12 | 2 |  | leverage <7%, capital falling |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 3 | expense ratio p90 |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 3 | charge-offs p90 | expense ratio p90 |
| 2020-06 | 1 |  | construction >100% equity, charge-offs p90 |
| 2020-09 | 1 |  |  |
| 2020-12 | 2 | construction >100% equity |  |
| 2021-03 | 3 | capital falling, NIM <2.5% | construction >100% equity |
| 2021-06 | 3 |  |  |
| 2021-09 | 3 | construction >100% equity | capital falling |
| 2021-12 | 4 | leverage <7% |  |
| 2022-03 | 4 | capital falling | NIM <2.5% |
| 2022-06 | 2 |  | leverage <7%, capital falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 4 | deposits shrinking, assets shrinking |  |
| 2023-06 | 4 |  |  |
| 2023-09 | 4 |  |  |
| 2023-12 | 4 |  |  |
| 2024-03 | 6 | noncurrent p90, reserve under noncurrent |  |
| 2024-06 | 2 |  | deposits shrinking, assets shrinking, noncurrent p90, reserve under noncurrent |
| 2024-09 | 3 | capital falling |  |
| 2024-12 | 2 |  | capital falling |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 3 | capital falling |  |
| 2025-12 | 3 |  |  |
| 2026-03 | 1 |  | construction >100% equity, capital falling |
| 2026-06 | 1 |  |  |

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

- 2025-06-25 [Pegasus Bank Announces Plans for Katy Trail Location - People Newspapers](https://news.google.com/rss/articles/CBMirAFBVV95cUxNSVhTVTU5VmR0Z1E0eWtrWnFoY1hTSFNwNGYtX3lyaWxrUGdCZ0dScVhIS1JRTXk1cXZBcmEwbnF6N2lHb29EZzZweW1WVXJCbjZteEhDa2ViLWMwbURvOUJPVWRXTEx3VGdwbHdaUnJlcktGMEJ4RVVqekdiNGhubzBBWll6QUlpankxeXlaVzJTb2NyQ1g2VzlQOVQ4Q3BiM2t1T25aMzBFSGho?oc=5) · People Newspapers
- 2019-04-25 [BancFirst to enter Texas with Pegasus Bank acquisition - American Banker](https://news.google.com/rss/articles/CBMilAFBVV95cUxObVFhNUlDbDlBODgzekZUVFItYmt3cnJOVUVNS1lvanFDdVVEQVR6M2QzZ3lleDl2a3hqQjJkaE5xb0ktRlFuTXJVSDI2TnVTb1lhWUlHWVZWeTlNdlNjdnViV3dfdWl3bGt0bUtpdmhHbUFnMzFXSTZpSUpWMWNRc2NWVzB4dGNRRjdWbHlTQUstWEQ1?oc=5) · American Banker
- 2021-02-02 [Pegasus Bank, in first year as BancFirst subsidiary, adds at least $200 million in local deposits - The Business Journals](https://news.google.com/rss/articles/CBMikwFBVV95cUxOTUt0ZHhBbm11YVlCMWdCU29rTEtxRm43b0trUkw2d1lReklLeVdEalZQdVVxOGpHZ241VzBIRnZFY25sdjJrcDY2RVpfOTlCekpSRVNzZjFLRjd3VjUwMkJ3ZXplNnhRSUk3S1VTQTZkTnZfcjV4cjJuQmROM2dpVkMwZi0xczY2WlZrVHpwalJhR3c?oc=5) · The Business Journals
- 2019-04-24 [BancFirst to purchase Dallas-based Pegasus Bank - journalrecord.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxOS0owTVEyejlNQkJDLW9OM0hXZVJ0cXA3aklYRXVqaW1laVFDMEdCQWJ0NmNSUkRWcEI4NXk2Y0Rkc2l4eDJaUl91dFZSODItQkZpbDFLQ0ROTE9tVk9hb2VmdU5EU2FBQ0hXOTRobU1TQ2FuTTV5NUhxNk1lRDE5Q3NCNnB3Y3Y1U1BaaUpn?oc=5) · journalrecord.com
- 2020-11-22 ['They underestimate what we can do': WFAA finds banks exclude Blacks, Hispanics in Southern Dallas from access to loans - WFAA](https://news.google.com/rss/articles/CBMiggJBVV95cUxOS3VBR0ttTFVQcllWR20yN19YZ2JpMEZHdFRhYUM0TWs2Y1dZTlVFc3NPSTJxT2pzczRZOGM1UDlmaUpZbVY5RU9EUEpnLW5LcUpjc01PS3hhYTFZbGtmeGdmX2dpeHFSQjgwUmpKU0w2QlZrMy01SXdqT082ZllhSEl1U1JmbGwyVWYwTEk1MTZZWktQVnRmdVN3QXo4NHdBWVdWaF9QaFh3cW5GZldBUy1XbGhFQ05DazVkS25pZy1ZUzlMRlZGdzBIaWlBeDRsUFc5U29SU0xYZ3F6dE85SG83aUVfcGN0ZkhrSWlTelQ5ckxQZGVMRWNaZkVqX2FKTXc?oc=5) · WFAA
- 2024-02-21 [Worthington Bank Appoints CEO for Denton Market - Fort Worth Inc.](https://news.google.com/rss/articles/CBMihAFBVV95cUxQS0ZYSXE2b2d4dWJjMGNTdEVsSGNNOHhCZzdyQV92TjlyZUk4Q1U4UWtwY1YzcGEyX0J3dHByemMxTzlnYV9RT1BtQ0RVZmd3Z29ZUDROaERaV2hkdXFVS21OUmRKdWZHTXBfVHoteTU0Vjc4MzIxZGFCNk51d0tZZmlUVG4?oc=5) · Fort Worth Inc.
- 2026-05-01 [Data center updates, Dallas office building sells and other D-FW real estate new - Dallas News](https://news.google.com/rss/articles/CBMirwFBVV95cUxPYVEyV0k3WHA2Y0JqT3lYRWdlOG9fS0hfTy1PYTE0Mk5WVkdHVUNOSnJKT2hHODdiMF9LanJ3bzNqMEFCb0M5WUpGMmpEWkp0dTFlOTRsdXlwalVhNzcxUlNIeHY4TWoxcmxFWFBCN1lrN1VPZkF3V1B4UGp4alJiemZlVlJsekZITjM0Skp4MnN2VktKZTF2VjdONHhicE9fWFhyUmpCa0pDVF8zaHN3?oc=5) · Dallas News
- 2023-03-02 [Pegasus Bank Taps Baker & Bonner Creative Emporium as Branding and Creative Agency of Record - SHOOTonline](https://news.google.com/rss/articles/CBMiuAFBVV95cUxOV1BhQVZtTWp2MHdVVzJ6c1hUbWswSTVCRlpNbEY4dk10VkxFVHNWY3RhbkhuN2Q1RGtOeXhGZ0tBX0U5Tjc3eXNPRHQ3NU13anZ2a1dWemxDczJRcDc1cW9SaTFaMkhUOFJPejRIekxyVkRFcVJwaUNsQy1lMFZwZkJZa2JsbGtmQ2lBX2tYLUp2djA4TUdhanJNZHdBOWlLdmhZaHBYRzBadlB5TEJfY2JOZFh5bklQ?oc=5) · SHOOTonline

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58483 (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/51.json (key "58483", 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