# MINT NATIONAL BANK
KINGWOOD, TX · FDIC certificate 58764 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (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 | $388.9M | |
| Deposits | $306.5M | |
| Loans and leases | $317.1M | |
| Total equity | $71.1M | |
| Loans / deposits | 100.82% (p90 of band) | 82.04% |
| Liquid assets / assets | 15.90% (p19 of band) | |
| Uninsured deposits / deposits | 21.80% (p35 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 18.35% (p96 of band) | 10.81% |
| Unrealized securities loss / equity | 0.00% (p98 of band) | -8.10% |
| AOCI / equity | 0.00% (p77 of band) | |
| ROA (annualized) | 1.44% (p61 of band) | 1.28% |
| Net interest margin | 4.94% (p93 of band) | 3.91% |
| Efficiency ratio | 62.89% (p55 of band) | |
| Noncurrent loans | 2.78% (p94 of band) | 0.43% |
| Net charge-offs (annualized) | -0.01% (p11 of band) | |
| Reserve coverage of noncurrent | 92.25% | |
| Real estate % of loans | 88% | |
| Construction % of loans | 77.71% (p76 of band) | |
| Auto loans | $16,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -6.3% | |
| Employees | 40 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 2 | capital falling, reserve under noncurrent |  |
| 2011-12 | 1 |  | capital falling |
| 2012-03 | 0 |  | reserve under noncurrent |
| 2012-06 | 1 | reserve under noncurrent |  |
| 2012-09 | 4 | capital falling, deposits shrinking, uninsured deposits leaving |  |
| 2012-12 | 3 |  | deposits shrinking |
| 2013-03 | 2 |  | uninsured deposits leaving |
| 2013-06 | 2 |  |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 1 |  | capital falling |
| 2014-06 | 1 |  |  |
| 2014-09 | 2 | loans exceed deposits |  |
| 2014-12 | 3 | capital falling, construction >100% equity | reserve under noncurrent |
| 2015-03 | 3 | uninsured deposits leaving | capital falling |
| 2015-06 | 4 | liquid assets <10% |  |
| 2015-09 | 3 | capital falling | uninsured deposits leaving, liquid assets <10% |
| 2015-12 | 2 |  | loans exceed deposits |
| 2016-03 | 1 |  | construction >100% equity |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 0 |  | capital falling |
| 2017-03 | 1 | uninsured deposits leaving |  |
| 2017-06 | 0 |  | uninsured deposits leaving |
| 2017-09 | 0 |  |  |
| 2017-12 | 2 | capital falling, construction >100% equity |  |
| 2018-03 | 3 | loans exceed deposits, liquid assets <10% | construction >100% equity |
| 2018-06 | 3 | construction >100% equity | capital falling |
| 2018-09 | 1 |  | loans exceed deposits, liquid assets <10% |
| 2018-12 | 1 | capital falling | construction >100% equity |
| 2019-03 | 0 |  | capital falling |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | capital falling |  |
| 2019-12 | 2 | charge-offs p90, construction >100% equity | capital falling |
| 2020-03 | 1 |  | charge-offs p90 |
| 2020-06 | 2 | loans exceed deposits, liquid assets <10% | construction >100% equity |
| 2020-09 | 4 | wholesale funding >15%, construction >100% equity |  |
| 2020-12 | 3 |  | liquid assets <10% |
| 2021-03 | 2 | capital falling | wholesale funding >15%, construction >100% equity |
| 2021-06 | 3 | construction >100% equity |  |
| 2021-09 | 1 | assets shrinking | loans exceed deposits, capital falling, construction >100% equity |
| 2021-12 | 2 | noncurrent p90 |  |
| 2022-03 | 1 |  | assets shrinking |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 | loans exceed deposits | noncurrent p90 |
| 2022-12 | 0 |  | loans exceed deposits |
| 2023-03 | 1 | capital falling |  |
| 2023-06 | 1 | loans exceed deposits | capital falling |
| 2023-09 | 1 | charge-offs p90 | loans exceed deposits |
| 2023-12 | 2 | capital falling |  |
| 2024-03 | 2 | noncurrent p90, reserve under noncurrent | charge-offs p90, capital falling |
| 2024-06 | 4 | charge-offs p90, uninsured deposits leaving |  |
| 2024-09 | 3 |  | charge-offs p90 |
| 2024-12 | 3 | charge-offs p90 | uninsured deposits leaving |
| 2025-03 | 2 |  | reserve under noncurrent |
| 2025-06 | 3 | deposits shrinking |  |
| 2025-09 | 3 | construction >100% equity | noncurrent p90 |
| 2025-12 | 6 | noncurrent p90, reserve under noncurrent, assets shrinking, uninsured deposits leaving | construction >100% equity |
| 2026-03 | 4 |  | charge-offs p90, uninsured deposits leaving |
| 2026-06 | 4 | loans exceed deposits | assets shrinking |

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

- 2026-04-10 [Banking reimagined in Houston: Discover The MINT National Bank - Community Impact](https://news.google.com/rss/articles/CBMiswFBVV95cUxQOWRGLTIxU1gwVjNxWGtyXy1NQUp4NUhWaWMtbXh3QVZuRVZidGhTRkIyRU5YNVFCcklRNVdKOGY4QzMxQm1zbllhM0RWSC1TWWJ5VkxZaVVyYjQtaE1velVxNTZQOTZjSUNJcEtkUVZETVBidEpPY1ZRNThGWW5LQjRWSjJNV0RicDl5QUk4SVozMllhSnpmSi1RWHpsQ0Q5Rlk2UlZMQ2JxemJMZ1kwZXpMUQ?oc=5) · Community Impact
- 2024-03-03 [The MINT National Bank's 15-year anniversary celebrations include major expansion, technological innovations - Community Impact](https://news.google.com/rss/articles/CBMi3gFBVV95cUxQTXM1WVNtTy10ZXc2aTRkdDlxNE9JYmtoTjlDb2oxcE5hcTczNjZ0QkRqS1RLUmRGM3ZIVlZzelc3NzctX1dMVWVLRWpLNjNRR3F0RVAwTWhKVWtNUmRjbnVLdHJwTjZRamVYRDhIMjVlOXNMVkJDQ0s4R3FOOWM2MXFYb2JOTGI2cTdTV1BpVHRhZ3M0MGhYbzRUNlVsekRKdlNrNjVnR1VZU3d4WjRSZDdSejlud2Jla2hzRGdJeE9uajlJTWR1c1BER3IyeFlnN3l4NHpNMnBINEg5dVE?oc=5) · Community Impact
- 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
- 2015-08-24 [Curtis Maxey Obituary - Kingwood, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMigAFBVV95cUxQWEg4aFVFS0treDE1TTJDbnFmYmJzcGF4QkFtdmNIajJZMk1JV3JYMUNtZUViMV9iLWhNaTZjc1piZ2pPc2QzMkNxZDY4SDlGMU81dHVTbk9VMTBJTFExNTMycl8zNk0zaDUteHV2NDZwcjFoemVhQlM5U2phYTN1eA?oc=5) · Dignity Memorial
- 2025-10-03 [Holy Comforter Lutheran Church Announces Oktoberfest 2025! - Kingwood](https://news.google.com/rss/articles/CBMiakFVX3lxTFBoRkd4UUg3NG1zeVFWLTlCVll1S20zeUI5aTVmTDVLU2U5aFc4d0lyLTZ0WTFmYjY3SmhnNzlzYXN2QkVQUHpmSEV3QnZ3cVJ3NWotdWVOQ0Q3QTlKbUwzeGNCV3RFSTJUc0E?oc=5) · Kingwood
- 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
- 2023-01-08 [Edmond Solymosy Obituary (1937 - 2022) - College Staion, TX - The Bryan-College Station Eagle - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxPUmVBU2JsUEFvQnZXdG9YS0F3cG13NmNSemJFbE5KNndjNUw5cldJUVJlYmFRdlVDMjl2Sms0YWJCc3l0d3lQc2UybWxxX0lsVzZwemxxMW5jTUNvcnB4Q2NORW9KM1FFUDBwMzB5Wm1Lc2h0NFdOMmdISFZDUzVIU2dVSUJtR3NGMTlYM0NtOFI?oc=5) · legacy.com
- 2024-09-26 [Holy Comforter Lutheran Church Announces Oktoberfest 2024! - Kingwood](https://news.google.com/rss/articles/CBMiakFVX3lxTE9lY0FiYWhIR0xHSk1PQXB0UXc0NW4xNlJQV2FtSzJ6cHVSYzAxRmhSdm51cHhjajNOV1YyOHl6a2xvdHpFT2toT3FrUGduWmlNQW9xYWphckJMNDQyNnhMSjl6VDJkLVJZSkE?oc=5) · Kingwood

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58764 (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/12.json (key "58764", 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