# HIGHTOWER TRUST CO NA
HOUSTON, TX · FDIC certificate 59321 · asset band <$300M · 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 | $16.9M | |
| Deposits | $0 | |
| Loans and leases | $0 | |
| Total equity | $14.8M | |
| Loans / deposits | 0.00% (p2 of band) | 73.59% |
| Liquid assets / assets | 90.52% (p98 of band) | |
| Uninsured deposits / deposits | – | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 83.34% (p97 of band) | 11.76% |
| Unrealized securities loss / equity | -0.61% (p81 of band) | -6.57% |
| AOCI / equity | -1.10% (p25 of band) | |
| ROA (annualized) | -5.62% (p1 of band) | 1.17% |
| Net interest margin | 2.74% (p7 of band) | 3.93% |
| Efficiency ratio | 120.11% (p97 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | – | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $0 (– of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | – | |
| Employees | 17 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2022-06 | 2 | expense ratio p90, NIM <2.5% |  |
| 2022-09 | 3 | losing money |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 3 | securities losses >30% of equity | NIM <2.5% |
| 2023-06 | 4 | assets shrinking |  |
| 2023-09 | 4 |  |  |
| 2023-12 | 3 |  | securities losses >30% of equity |
| 2024-03 | 1 | capital falling | expense ratio p90, losing money, assets shrinking |
| 2024-06 | 0 |  | capital falling |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 1 | expense ratio p90 |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 4 | losing money, NIM <2.5%, assets shrinking |  |
| 2026-06 | 4 | capital falling | NIM <2.5% |

## 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=59321 (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/57.json (key "59321", 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