# TEXAS TRADITIONS BANK
KATY, TX · FDIC certificate 59304 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 2 (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 | $555.9M | |
| Deposits | $500.4M | |
| Loans and leases | $299.0M | |
| Total equity | $50.6M | |
| Loans / deposits | 59.18% (p12 of band) | 82.04% |
| Liquid assets / assets | 45.40% (p89 of band) | |
| Uninsured deposits / deposits | 45.78% (p93 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.39% (p20 of band) | 10.81% |
| Unrealized securities loss / equity | -2.95% (p73 of band) | -8.10% |
| AOCI / equity | -2.71% (p4 of band) | |
| ROA (annualized) | 0.82% (p22 of band) | 1.28% |
| Net interest margin | 4.58% (p85 of band) | 3.91% |
| Efficiency ratio | 71.26% (p76 of band) | |
| Noncurrent loans | 0.00% (p4 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p20 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 81% | |
| Construction % of loans | 114.39% (p91 of band) | |
| Auto loans | $842,000 (0.28% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 74.0% | |
| Employees | 58 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2022-09 | 3 | losing money, expense ratio p90, NIM <2.5% |  |
| 2022-12 | 4 | uninsured deposits >50% |  |
| 2023-03 | 4 | capital falling | NIM <2.5% |
| 2023-06 | 4 |  |  |
| 2023-09 | 3 |  | uninsured deposits >50% |
| 2023-12 | 3 | uninsured deposits >50% | expense ratio p90 |
| 2024-03 | 2 |  | losing money |
| 2024-06 | 2 | construction >100% equity | uninsured deposits >50% |
| 2024-09 | 1 |  | capital falling |
| 2024-12 | 2 | brokered >10% |  |
| 2025-03 | 2 | capital falling | brokered >10% |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |
| 2026-06 | 2 |  |  |

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

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=59304 (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/40.json (key "59304", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide