# BANK OF AUSTIN
AUSTIN, TX · FDIC certificate 59104 · asset band <$300M · latest filing 2020-09 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $270.7M | |
| Deposits | $236.0M | |
| Loans and leases | $201.7M | |
| Total equity | $33.8M | |
| Loans / deposits | 84.69% (p73 of band) | 72.51% |
| Liquid assets / assets | 25.32% (p28 of band) | |
| Uninsured deposits / deposits | 49.66% (p97 of band) | 17.44% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p20 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.96% (p73 of band) | 10.85% |
| Unrealized securities loss / equity | 1.28% (p36 of band) | 2.55% |
| AOCI / equity | 0.70% (p39 of band) | |
| ROA (annualized) | 0.36% (p16 of band) | 0.95% |
| Net interest margin | 3.18% (p30 of band) | 3.57% |
| Efficiency ratio | 76.61% (p68 of band) | |
| Noncurrent loans | 0.00% (p9 of band) | 0.49% |
| Net charge-offs (annualized) | 0.00% (p35 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 49% | |
| Construction % of loans | 28.71% (p68 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 80.7% | |
| Employees | 19 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2017-09 | 5 | loans exceed deposits, uninsured deposits >50%, losing money, expense ratio p90, NIM <2.5% |  |
| 2017-12 | 4 |  | uninsured deposits >50% |
| 2018-03 | 4 | uninsured deposits >50%, capital falling | loans exceed deposits, NIM <2.5% |
| 2018-06 | 4 |  |  |
| 2018-09 | 4 |  |  |
| 2018-12 | 4 |  |  |
| 2019-03 | 4 |  |  |
| 2019-06 | 4 |  |  |
| 2019-09 | 3 |  | losing money |
| 2019-12 | 2 |  | expense ratio p90 |
| 2020-03 | 1 |  | uninsured deposits >50% |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |

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

- 2019-12-12 [Austin Bank names Russ Gideon as its new preisdent/CEO - KLTV.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNck9PdWJSZ1YzREZfaHppYzF4TnUtVWtwYzVEVTY3QUt4MWFJN2V1ZHNabF9PNTdsUU5ubnAzWi1PVVVTU240NFY3NkFLb0NUeUZ3eDJTVUZHNmhxczhac3JyQmREeHFDQVBETG1EZURoR01qM0cyVXlOV3o2bkl2VXBmUXdEaERrRDlN0gGfAUFVX3lxTE5BZGRWNnhQTDJRUjR3VzZYRHpPN25oeG5VNnFMa1g2Y3NnN1BXNUFLRHJwRjl4X1g1YWNid2txRWN1T3dyanlIZ0loMW5mQkpUYWFfelJOR3VRcVBBRVJETm5GUTNVWG4zRndBRTJDQWJHQTZLTl9zSm9pM29jdlFPeGFyTF9hV2pQQmE1WlVWYTFnR0VrN3c2UHJVaTJUbw?oc=5) · KLTV.com
- 2020-06-30 [Southwest Bancshares and two other bank holding companies to merge. - San Antonio Report](https://news.google.com/rss/articles/CBMilwFBVV95cUxQdnlrUWtiNkUxaWhtUElvb01feFU5aTNmLUxSZWRnWFc4TVBVNUdudjNhaWlkb0g5Y1R5aEVWdHBTNGtJUTZXd0JsMkM2bzlmdGYwdUJhUDUyS2JlX3B1bjNnQWFCQUthay1DZV9ZdmpaU0FlYnJUTkNZX19OSEtXai1Vb0o3MWVnWTdvQnA2M012ajhxeTUw?oc=5) · San Antonio Report
- 2024-04-23 [The Bank of San Antonio, affiliates branding as Texas Partners Bank - San Antonio Express-News](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPcFY4MmdlN1BXQ0JXeFZKUzROakoza3V6ZHpBTDhOZ0cxUEpqZktheng0d3dXVndVeldScmFLZmpYUHpsYTNmd2ZzLXR5UHkyMDV3WVowNFpvQ0NXMWZBOUFTZGNHZ0dhSzFQMS1KN2xORTRyYzdTNl9RWDdSUWd1S0k3Ylh0bjVLZUw0djBZd3JUTGtBeWtxak1ONnZKZVB0QUhnUGN5WExoWk0?oc=5) · San Antonio Express-News
- 2016-12-19 [San Antonio executives partner for new Austin bank - MySA](https://news.google.com/rss/articles/CBMitgFBVV95cUxOcTF3VDJSdWc1SjJnWWhKeXA3dUlPQ1V5bk5NRlhNTk1yaUtwV1JZNUVzVk9NV3FucHB4alc3Tk55T1RYRHVOcFF0T2dRMGl5WWxhTnAwbjJFRVY1TXhheFJKd2JTdms0ZktqMFV4czJJQjY0Q2xzYVJJNzVhOVpxSUo2MUZhTVdEX2gyMUxGZzNIcG93SzNnLXdtTFBUN3NDQl9NWGhOTlNleUtUM0MtOUlFZEhVZw?oc=5) · MySA
- 2020-10-22 [Southwest Bancshares, Inc. Announces Closing of Merger Transaction Combining The Bank of San Antonio, The Bank of Austin and Texas Hill Country Bank to Create a Combined Bank With Total Assets in Excess of $1.5 Billion - Business Wire](https://news.google.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?oc=5) · Business Wire
- 2021-03-15 [Bank eager to bolster fast food, aviation businesses, M&A - The Business Journals](https://news.google.com/rss/articles/CBMioAFBVV95cUxQSkdYMlJ4QzN2N1BVVkRvVzhYOXpDVlBRS055N2VtT1Fsa1hSeEx4Q01jdmdKZlBoNDZObUhFWUMwSkxzcFRzRzhRZFhRd0JEVFhqREZfdktzRlNfdVA4Qkp2UDJkUmJMYWp4RmZFcnJydFZ1QXFlbS0xM0o1R0FvRUt5eEtNWkV1cnI3Wm5mOFpQcWNkdEFuV1NWbm01a2dN?oc=5) · The Business Journals
- 2022-01-04 [Bank of San Antonio operator acquires partnership interests in San Antonio’s Legacy Mutual Mortgage - San Antonio Express-News](https://news.google.com/rss/articles/CBMipgFBVV95cUxPUFFBQUdvNkxUb3JtQnQtaFhFRzA0R3JfMVNYWXl5SVFaazNEbUJVdDJkVFVicF9TMDJxVUZpWHItX2VxNWttdWJWc0xUWEd1T0cyck12UkhoZzltdmNxVEc1OXVnUnNEaHBjLUxWekRQTUgyVTlHRjVBaGs4UnJjOFJsZV9VTS1uVVo2emlzT1Ixd1RKUGpOQUNYVy10c254OXMxQk5n?oc=5) · San Antonio Express-News
- 2022-06-21 [Spotlight On: Bruce Bugg, the multi-hyphenate banking executive and civic leader - The Business Journals](https://news.google.com/rss/articles/CBMilAFBVV95cUxQMFU4Z3k5Rnl6U0MwRVJXUlVvNTlyalE2N3BBQzZkOGk1T1U2ZW5zRnMyeG8yRFdYQ1U2LXlXeDRxYUZ1dDhtWEcwdmF1N0xMVTVZR2x3bHFvS3hlN3ZnLVpuRWZCOEJRUGVoYVNNTmt0RmxjaU1wX3BfU2ZmX0R6YTRYbGs4N0dEVEx4bVc1OUVoTUlN?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=59104 (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/32.json (key "59104", 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