# TEXAS PARTNERS BANK
SAN ANTONIO, TX · FDIC certificate 58581 · asset band $1-10B · latest filing 2025-12 · stopped filing (departed)

**Verdict on the desk:** this could be *run candidate*. 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 | $2.43B | |
| Deposits | $2.19B | |
| Loans and leases | $1.94B | |
| Total equity | $221.6M | |
| Loans / deposits | 87.60% (p54 of band) | 86.41% |
| Liquid assets / assets | 17.94% (p35 of band) | |
| Uninsured deposits / deposits | 57.36% (p95 of band) | 31.00% |
| Brokered deposits | 2.51% | |
| Wholesale funding | 2.51% (p31 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.32% (p21 of band) | 10.37% |
| Unrealized securities loss / equity | -13.09% (p32 of band) | -7.29% |
| AOCI / equity | 2.61% (p46 of band) | |
| ROA (annualized) | 1.06% (p44 of band) | 1.12% |
| Net interest margin | 3.44% (p43 of band) | 3.59% |
| Efficiency ratio | 61.04% (p51 of band) | |
| Noncurrent loans | 0.04% (p8 of band) | 0.50% |
| Net charge-offs (annualized) | 0.04% (p55 of band) | |
| Reserve coverage of noncurrent | 2618.69% | |
| Real estate % of loans | 71% | |
| Construction % of loans | 120.31% (p94 of band) | |
| Auto loans | $531,000 (0.03% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p36 of band) | |
| Deposits YoY | -3.6% | |
| Employees | 216 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **run vulnerability** (`liq_runrisk`)
- **construction >100% equity** (`conc_construction`)

## 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 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 2 | construction >100% equity |  |
| 2013-03 | 2 | uninsured deposits >50% | capital falling |
| 2013-06 | 2 |  |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 1 |  | construction >100% equity |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 2 | capital falling |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 1 |  | capital falling |
| 2015-06 | 1 |  |  |
| 2015-09 | 2 | capital falling |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 2 | charge-offs p90 | capital falling |
| 2016-06 | 1 |  | charge-offs p90 |
| 2016-09 | 3 | run vulnerability, construction >100% equity |  |
| 2016-12 | 4 | capital falling |  |
| 2017-03 | 3 |  | capital falling |
| 2017-06 | 2 |  | run vulnerability |
| 2017-09 | 2 | run vulnerability | construction >100% equity |
| 2017-12 | 1 |  | run vulnerability |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 3 | run vulnerability, construction >100% equity |  |
| 2019-09 | 2 |  | construction >100% equity |
| 2019-12 | 2 |  |  |
| 2020-03 | 3 | capital falling |  |
| 2020-06 | 5 | losing money, charge-offs p90 |  |
| 2020-09 | 3 |  | capital falling, losing money |
| 2020-12 | 3 |  |  |
| 2021-03 | 2 |  | charge-offs p90 |
| 2021-06 | 1 |  | run vulnerability |
| 2021-09 | 2 | capital falling |  |
| 2021-12 | 1 |  | capital falling |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 4 | securities losses >30% of equity, run vulnerability, construction >100% equity |  |
| 2022-12 | 2 |  | uninsured deposits >50%, run vulnerability |
| 2023-03 | 3 | uninsured deposits >50%, run vulnerability | securities losses >30% of equity |
| 2023-06 | 2 |  | construction >100% equity |
| 2023-09 | 2 | securities losses >30% of equity, construction >100% equity | uninsured deposits >50%, run vulnerability |
| 2023-12 | 2 | capital falling | securities losses >30% of equity |
| 2024-03 | 3 | uninsured deposits >50%, run vulnerability | capital falling |
| 2024-06 | 3 |  |  |
| 2024-09 | 3 |  |  |
| 2024-12 | 4 | capital falling, reserve under noncurrent | run vulnerability |
| 2025-03 | 1 |  | construction >100% equity, capital falling, reserve under noncurrent |
| 2025-06 | 3 | run vulnerability, construction >100% equity |  |
| 2025-09 | 2 |  | run vulnerability |
| 2025-12 | 3 | run vulnerability |  |

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

- 2026-02-10 [Texas Partners Bank interim CEO moves to Prosperity Bank after $2.52B merger - The Business Journals](https://news.google.com/rss/articles/CBMipAFBVV95cUxNdllxdDRPMURUVUwwSDM2SE5jOHNvNlYtcUFFd21PSWtJa1RGQ280MTE4R25ESnd5a2s1VmdKY3k0Z2J2akRwV3QyOGFFSm0tYUF2dUpiSjBlTDBHZWp1REpoRlFIekk1YnJWOXZUcWp5b3BhYi1yQTdOV2M4UDdCa0dhdWd3RXFxSlNJM2Z3Xy1EWmUwTGVISnJjTllTVGZuTF91TA?oc=5) · The Business Journals
- 2025-10-01 [PROSPERITY BANCSHARES, INC.® TO ACQUIRE SOUTHWEST BANCSHARES, INC. IN SAN ANTONIO, TEXAS - PR Newswire](https://news.google.com/rss/articles/CBMi1AFBVV95cUxQWkJsanAxazhhUzEtN1Uxc2F1SkdaVklSMXE5ejFDNzdRdHRjY2hCV3lfNEhDa1U1RTdBeHo0cVd1cXpTNlExLWZLYmVUZ1NhNEN1NlVySEZNR3ZIc2tvYnJGWTVvamM2cGwzWkI1c1VJVjdQNWlkRkFXVzZ3WjZSRlEwX1UxbzY2LW5lNnpqS0ZlbmZWNUZnMTRTdC1uTDlBUFNVVktySFV5NWF6N3BhQWtDLS1iVW9jZ0FQUWcwZmFQVVZrbXVsZzgwVDViajVyQ3FURg?oc=5) · PR Newswire
- 2025-10-02 [Prosperity scoops up another Texas bank for $269M - Banking Dive](https://news.google.com/rss/articles/CBMimAFBVV95cUxOaHJ0QXBBV09fMC1nOGtPVlZvdDJIWDFlR2NGa2w2WTlmaGo2VHZ2LVRLQUZpV2pZVzY5cGh2R3Z4TU1LUkYxY01HQ2ZxbGhCVFllaWxSN1ZOUXQtekkzekdIMFFmZDc0aHJDQXJEWGVkRkU3NFRNX1JMejlUVHRCU2tqZEJZeEgzSzV3bjg4MS0xMUs3MGFYaA?oc=5) · Banking Dive
- 2026-05-05 [Prosperity CEO 'more excited' than in years as bank expands - The Business Journals](https://news.google.com/rss/articles/CBMirwFBVV95cUxOUDB4R2FkV0xfbTlfRTBKWFp3OGhRUTBheU5OU08wZWFOMlA3cnVfamtHMlZNNVBhcm1KUzNvNTltT3dpME44WkJITjVpLXQzdFhIOENQLWNrVV83RWEyc2pHd1VjMHFnSG95Tl8xNm9PQVotcHZ3Z3pKOFZzek1KblFPV0pOWFpKaUY0cjB0bzMyXzZJbTVRTE43OWdROVlEaWc0RWJ1VmdCNm5VT3lJ?oc=5) · The Business Journals
- 2024-04-18 [Southwest Bancshares, Inc., Announces Texas Partners Bank as the Regional Bank Brand - Business Wire](https://news.google.com/rss/articles/CBMi1gFBVV95cUxQb0VrWHVjemhSU1lQOEV6dXpYaERLVjJPU25QQUpKY0N1UDRxcnJxamFjTXlLTzMwbTFySjB1UEwtQ284ZzBRWHRSS3A3Ukt6VWFGSEVzUnJUdFBfTUc3QmFjSzdQTjJjaFhnVDBZcFZWUXBNYzNxR1BrbDB6clBpUlZEX2NxMnpIYjZ3UGVzdlhENDFLeGtCOERSX2NOQ0JBUHFJaFN2R3hfMXdxUEgtRmNXaXR3ZDMzTkt1Y2pvTDNOaTZEOFlnVmhpdlNaamVpcVBwM2RR?oc=5) · Business Wire
- 2020-12-21 [How the formation of Texas Partners Bank helps The Bank of San Antonio empower local businesses - San Antonio Report](https://news.google.com/rss/articles/CBMiwgFBVV95cUxNLUlVbVNVTVhrZDlGYjlYeUV4aVRqSHRpcEFYSFZZZHZVY0RaUU1iVGxrQ05OLUJpNXp1X1ZyRGxiTGNmVk42YV9QajhMT21PUUVzbGpUR2xiX0dKRmY1andHNTZRaUloTWJFeDlQaS1HUVhENDl5Q2VwU0JfSEZIMk43c1h0d0R4M2tFelF1U2gxbHRBNWRRRDFDTkd4eGZoUDZzS0dXWUhheFJIYnN0LUo3dnRGNDlUdkYxaVNxcTJaUQ?oc=5) · San Antonio Report
- 2025-06-05 [Another San Antonio bank linked to Chris Pettit scandal gets lawsuit tossed - San Antonio Express-News](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOUjRJdF9XTU5WU3lFcVJWN0Z0a2RfMDAxNGdOaHFleWdvdGM3RTV3R2lNS0lxZWY4WEM5U0xoTmpuOW1LSGQ4MlBZbFZiNnN1QzVYVkJDNkI1Q2llYzlVY0hLS1lvNlRUclJIcW9UTWJVbXZuUEpYMmctUmxDWnVHUlB2Qm5Pb3Y4WHYyaS1yOFlGTENOYjR1LUw1YzJRX01SYmtKNlVlVUEyVUU?oc=5) · San Antonio Express-News
- 2026-02-02 [PROSPERITY BANCSHARES, INC.® COMPLETES MERGER WITH SOUTHWEST BANCSHARES, INC. - PR Newswire](https://news.google.com/rss/articles/CBMixwFBVV95cUxOTzVwR3hwUHZjYjNGLWVzNVJENUczWUFEdmllaEZ4SldtTTNBd3phRXU1bHp6djBsNDc5alItOEdDZTFWUXpGMEFBbDlEWFFtX090emFLaDVYSkNEeE96UDVBTi1od05vT25VYXUweXdLYW8xRUhtQkdTYkZMUHNQcUtMLWpKSDhZMnBSU3l1S1RKeXlUSlRQRTN5eDZ6MzUtNlUyaVo3THN0LVlDTXZzTTJHaHlUcGJ5SUFST2xsT204bWZ0VVhr?oc=5) · PR Newswire

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58581 (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/21.json (key "58581", 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