# TEXAS HILL COUNTRY BANK
BANDERA, TX · FDIC certificate 58932 · asset band <$300M · latest filing 2020-09 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. 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 | $199.2M | |
| Deposits | $181.0M | |
| Loans and leases | $180.7M | |
| Total equity | $17.2M | |
| Loans / deposits | 98.94% (p91 of band) | 72.51% |
| Liquid assets / assets | 6.02% (p1 of band) | |
| Uninsured deposits / deposits | 25.73% (p78 of band) | 17.44% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p20 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.65% (p14 of band) | 10.85% |
| Unrealized securities loss / equity | 0.45% (p24 of band) | 2.55% |
| AOCI / equity | 0.55% (p35 of band) | |
| ROA (annualized) | 1.09% (p58 of band) | 0.95% |
| Net interest margin | 3.92% (p71 of band) | 3.57% |
| Efficiency ratio | 60.55% (p27 of band) | |
| Noncurrent loans | 0.10% (p28 of band) | 0.49% |
| Net charge-offs (annualized) | 0.02% (p64 of band) | |
| Reserve coverage of noncurrent | 980.23% | |
| Real estate % of loans | 63% | |
| Construction % of loans | 94.31% (p96 of band) | |
| Auto loans | $398,000 (0.22% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 31.8% | |
| Employees | 36 | |

## Flags firing in the latest filing

- **liquid assets <10%** (`liq_thin`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | losing money, expense ratio p90 |  |
| 2011-06 | 3 | NIM <2.5% |  |
| 2011-09 | 4 | capital falling |  |
| 2011-12 | 4 |  |  |
| 2012-03 | 3 |  | NIM <2.5% |
| 2012-06 | 2 |  | capital falling |
| 2012-09 | 2 |  |  |
| 2012-12 | 1 |  | losing money |
| 2013-03 | 2 | losing money |  |
| 2013-06 | 3 | capital falling, construction >100% equity | expense ratio p90 |
| 2013-09 | 2 |  | losing money |
| 2013-12 | 1 |  | construction >100% equity |
| 2014-03 | 1 |  |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 2 | loans exceed deposits |  |
| 2016-03 | 1 |  | loans exceed deposits |
| 2016-06 | 1 | construction >100% equity | capital falling |
| 2016-09 | 0 |  | construction >100% equity |
| 2016-12 | 1 | capital falling |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | capital falling |
| 2018-03 | 0 |  |  |
| 2018-06 | 2 | capital falling, construction >100% equity |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 1 |  | capital falling |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | capital falling |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 1 | liquid assets <10% | construction >100% equity, capital falling |

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

- 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
- 2024-04-10 [Texas police increase search for alleged Hill Country bank robber - mysanantonio.com](https://news.google.com/rss/articles/CBMioAFBVV95cUxOMkJzeEc3d192R3F6bWZUS2NVcktPU1JQNEl2LVF3S0lvaktwOXlEZnp4VGd6OW5uSnRkd2c4MUNTVnowSjdJdEE2dUlZUG9hUFlURDdscUxXbmx5UnF4a1BtaVktYUgwbUM2YTlwdGxHeUNnMk1mZWROOE82X1YtWFVsRWNZSUEzblVuTWsxYllEdVI0eXZ4by1GYlBkd2hH?oc=5) · mysanantonio.com
- 2025-08-06 [Bruce Bugg, banker and chair of state transportation agency, has died - San Antonio Express-News](https://news.google.com/rss/articles/CBMipAFBVV95cUxQU3FCVzhzUEpWMm5LT050aGIzTUVXbnF2Q2owWklJQ3dieUdsakZPQnpVdTRiYmtoZXcxenFPMmRMWDZmYXhZSTVmR21icGlwM0dRMm40aG50ckFvaUl2Wi1fWHlURklJcEotZXFYdGVEZGNSQ2ZyaTIwcGZzUW9DSk5IOXgtNzc2Qmltc05SZ1k1TUFsdVNxSEMwV0U2R0F5Q08xRg?oc=5) · San Antonio Express-News
- 2017-02-09 [King named to local bank board - hccommunityjournal.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxPVUw2dTdmNUZlODFXZWxzWG1kSHMwU0pFa1FtdUxLTGZtTlVVaUJTbkFlaFRCeVBMRDNfQlRYdVh2S203Ulk5MjlZZ0o3cGpZYnJhNmloTVg1bFZsallXVExTRUpPODZkOFIyb0dOV3JaSnEyRGZ6bDc0TEc5aFpGbE92cDk4S0NMYk9hTElEU3huVDA?oc=5) · hccommunityjournal.com
- 2018-08-01 [Florine Evelyn Flores Obituary - Visitation & Funeral Information - Mission Park Funeral Chapels & Cemeteries](https://news.google.com/rss/articles/CBMiaEFVX3lxTE9pWUIwMXpnV1J6NGtPNVoza09wTWZ6ZFV0V1JqWlo3bG02dFV3a3hjWDRReURzTW95UmdWUDNpbWt4X0JyOWtSUkdIXzAtYlJqQjlaOUZSMHB4U3F0Y3dKQVp4YzJMWjJ3?oc=5) · Mission Park Funeral Chapels &amp; Cemeteries
- 2021-09-25 [James Gorman Obituary (1930 - 2020) - Wichita Falls, TX - San Antonio Express-News - legacy.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxQajgtWVlUZXdoLVZmYmt0UUlLTzNiZHhSemJ4THFhcHZiemJuWVJBSDR6ODQyNC1iNFZRRXFwWmQzdFF2alJwdzNob25SOGs1OG1WMEY5VFBZRjNNZ0JEUFMzRmV5WXozUW8zSGRuYUU2TmRiN3NMa0hwTWdBQjdRdzZyenVqdGpRQlhLQWZn?oc=5) · legacy.com
- 2022-10-25 [San Antonio Top Workplaces 2022: Small, midsize and large businesses - San Antonio Express-News](https://news.google.com/rss/articles/CBMinAFBVV95cUxNNlhlanpZVTBRZmpIeXlfeDR1emNWUzdpdEh4UmtaRVg3T25OdzZRNGZvRndLbVhwQlZoNUVFdFRkbzNCRlQxQnhVbk9jTVZOMWRIeElycnpENmNlVG1KQjd6NDNLS0FmRE5MY1B5OHpEcXBWbVo1TlZyZ2pMTGJfeVBOMWFxWVhnNXNUNlZaN1Y0cXZ0SWNuZ1FSR3k?oc=5) · San Antonio Express-News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58932 (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/52.json (key "58932", 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