# MEMORIAL CITY BANK
HOUSTON, TX · FDIC certificate 58679 · asset band <$300M · latest filing 2015-06 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. 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 | $273.2M | |
| Deposits | $220.9M | |
| Loans and leases | $200.0M | |
| Total equity | $51.0M | |
| Loans / deposits | 90.30% (p81 of band) | 72.67% |
| Liquid assets / assets | 16.63% (p15 of band) | |
| Uninsured deposits / deposits | 38.36% (p97 of band) | 13.36% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p17 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.35% (p46 of band) | 10.53% |
| Unrealized securities loss / equity | 0.00% (p38 of band) | 0.18% |
| AOCI / equity | 0.00% (p69 of band) | |
| ROA (annualized) | 0.31% (p16 of band) | 0.82% |
| Net interest margin | 2.96% (p17 of band) | 3.60% |
| Efficiency ratio | 65.85% (p32 of band) | |
| Noncurrent loans | 1.42% (p68 of band) | 0.74% |
| Net charge-offs (annualized) | 0.00% (p37 of band) | |
| Reserve coverage of noncurrent | 17.59% | |
| Real estate % of loans | 66% | |
| Construction % of loans | 36.45% (p73 of band) | |
| Auto loans | $341,000 (0.17% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -14.6% | |
| Employees | 28 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **uninsured deposits leaving** (`flight_uninsured`)

## 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 | 2 | brokered >10% |  |
| 2012-06 | 3 | wholesale funding >15% |  |
| 2012-09 | 0 |  | capital falling, brokered >10%, wholesale funding >15% |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 1 | capital falling |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 0 |  | capital falling |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | assets shrinking |  |
| 2014-12 | 0 |  | assets shrinking |
| 2015-03 | 3 | NIM <2.5%, reserve under noncurrent, deposits shrinking |  |
| 2015-06 | 3 | uninsured deposits leaving | NIM <2.5% |

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

- 2014-03-17 [CommunityBank of Texas to acquire Memorial City Bank - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxQTGZQYkd4THlXcmtFTEQ3ZVcwdkdjRmhxSnZueHF4YVIwbncwN1FERU5BUjc2cGFXUkM2cS1UYUd2cjhXQkRuRzVRbWJRNUZaUXFrZTZxUThvZTFLWWpZUGFwUWhNQjZfWU5Xa3hHNlhtZTkxbWZQUS1JRGhKaGE1WTFmcEV4NzZRY3Bscm5HMUdJTnJrclpzSFdCRzhCZy1MNmd1Z1d5OA?oc=5) · The Business Journals
- 2013-07-27 [People in Business - Chron](https://news.google.com/rss/articles/CBMieEFVX3lxTE9rVU1Ua1VwYWFNZXpZZXFHaVZaX2pRLWJhbG1KcjdnVkNNaUFaRElmNmM5QWZPRVh2MVEyWjJkYVlkQkFfNmIwUTRpM2dFVnlDbzE1aUpjOW5mbXJFVVpVT09OcUF0ZHZob2hqc1VZbElDbkJrdzBKaw?oc=5) · Chron
- 2018-10-09 [Claire Thielke, Women of Distinction - ABC13 Houston](https://news.google.com/rss/articles/CBMibEFVX3lxTE1fc3Rrckwzenp6ejdZQ1pfNWVLZEpiVmJsT0ExZzZDOEZZTjh0Yy0xUGNQTjRydEw5MEh6QW1ZRXd2b2tacVF4NUJOZ01MS21teFFRZXJoYzBoSTN0WGtiaVIwQ0lyR3dRc3F0Mw?oc=5) · ABC13 Houston
- 2019-09-30 [New bank to launch in Houston for first time in years - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxQbVpkM2pMNmg4clJjZnZSZWdsNjE0dFRfRkktZi1SVk1PS2cwZWo4dmZaNDFyZGpMeGVRallSZGFuMVVuSEdhUWxhSjc1MmxLeDVOTWJBU19Nb0ZyaXZ1WEFjbTN2aHNzNUtqT0Jxa2djSDZNYVB5MzdqY2szYzJ3ekxMcXVpVHhCTkRsYVJXVlBpa05rdmRwMWpUd1E3Z0tpajlBcHBQVQ?oc=5) · The Business Journals
- 2012-10-19 [People in Business - Chron](https://news.google.com/rss/articles/CBMieEFVX3lxTE9VUFpyMFdHX1haZEhBaE16emttdW1SdTd1WXh6Z2x4VmhNQmRpbVg0UjFNT0hfTXRCbTA1X0J3UlgwWENsSHBtT2JoQnhxZlF6UlZycHFRZzNkQUVtU2xfT1E5UEUtckhEdmFXRFIweXJMUDVFbHg3dA?oc=5) · Chron
- 2020-03-12 [Houston de novo bank CEO aims to more than double employees by year's end - The Business Journals](https://news.google.com/rss/articles/CBMif0FVX3lxTE1qR2MtakxOS1BVYl9zOVNCamFCVVl1ZkE2aE9MdUFrNGJaRGtyZEh0ZVFsT1Q0S1dmeGdrcFlKLWlBR2JXVkRFa3dpTjY3VUljNnYxWjUtS1lLVHp1US03TEJYaDZpUmRIb3Z6Qk1MRUx2Y18tanRfQlF3Nzk5bFk?oc=5) · The Business Journals
- 2012-02-17 [People in Business - Chron](https://news.google.com/rss/articles/CBMieEFVX3lxTE9DQk9WbjVSUjdKdnRtV1R1Uk5GbVpkVldsUFdDbUp2THZtZmpadlQ4WVEwVUx5bjNHOHFIcmxfWU91NUZDY1ZYR0wyWUU5YWdhcTBkQXRUbkhNM0FMV2t1VXQ5d2YzT1BmV0owZ29UR3pVSUZRNFQtVQ?oc=5) · Chron
- 2020-02-24 [Houston de novo bank raises over $93M, opens for business - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxPMnlGZVBsSTFTWUk1UHhNZFRycFgwWmlwVHhMNWJQQzJKWVFPSFJCRDJva2c5NWg0WkJSckJSS01zNVd3QmJJV2toSzB4WEo4SElVX3RqZTJCblhyWWFxSWJYOVBUeWdTSlNjMG5mV3BXM3E0LXVhNVc0YUZoSWNaRGE4OFhiRERPMjZiRTZCa091U0FfamZWZUlVRDd5bU16Vm1qNHBB?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58679 (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/55.json (key "58679", 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