# COMERICA BANK
DALLAS, TX · FDIC certificate 983 · asset band $10-100B · latest filing 2025-12 · 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 | $80.05B | |
| Deposits | $66.28B | |
| Loans and leases | $50.92B | |
| Total equity | $7.24B | |
| Loans / deposits | 75.78% (p27 of band) | 83.94% |
| Liquid assets / assets | 28.02% (p67 of band) | |
| Uninsured deposits / deposits | 53.98% (p89 of band) | 37.91% |
| Brokered deposits | 5.09% | |
| Wholesale funding | 9.91% (p63 of band) | |
| FHLB advances / assets | 3.76% | |
| Tier 1 leverage | 10.56% (p66 of band) | 9.90% |
| Unrealized securities loss / equity | -29.68% (p6 of band) | -7.22% |
| AOCI / equity | 14.95% (p98 of band) | |
| ROA (annualized) | 0.98% (p41 of band) | 1.09% |
| Net interest margin | 3.37% (p48 of band) | 3.39% |
| Efficiency ratio | 68.55% (p89 of band) | |
| Noncurrent loans | 0.50% (p37 of band) | 0.61% |
| Net charge-offs (annualized) | 0.11% (p52 of band) | |
| Reserve coverage of noncurrent | 270.43% | |
| Real estate % of loans | 42% | |
| Construction % of loans | 37.65% (p61 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $2.80B (39% of equity) (p79 of band) | |
| Deposits YoY | 1.7% | |
| Employees | 7695 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 2 | capital falling |  |
| 2012-12 | 2 | loans-to-lenders >50% equity | reserve under noncurrent |
| 2013-03 | 1 | uninsured deposits >50% | capital falling, loans-to-lenders >50% equity |
| 2013-06 | 2 | loans-to-lenders >50% equity |  |
| 2013-09 | 1 |  | loans-to-lenders >50% equity |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 2 | loans-to-lenders >50% equity |  |
| 2014-12 | 3 | capital falling |  |
| 2015-03 | 2 |  | capital falling |
| 2015-06 | 2 |  |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 3 | capital falling |  |
| 2016-03 | 2 |  | capital falling |
| 2016-06 | 2 |  |  |
| 2016-09 | 3 | capital falling |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 2 |  | capital falling |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 3 | capital falling |  |
| 2018-12 | 2 |  | capital falling |
| 2019-03 | 3 | deposits shrinking |  |
| 2019-06 | 2 |  | deposits shrinking |
| 2019-09 | 3 | capital falling |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 3 | losing money | capital falling |
| 2020-06 | 2 |  | losing money |
| 2020-09 | 3 | capital falling |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 3 | NIM <2.5% | capital falling |
| 2021-06 | 3 |  |  |
| 2021-09 | 4 | capital falling |  |
| 2021-12 | 4 |  |  |
| 2022-03 | 3 |  | capital falling |
| 2022-06 | 4 | AOCI drag >20% of equity, securities losses >30% of equity | NIM <2.5% |
| 2022-09 | 6 | deposits shrinking, assets shrinking |  |
| 2022-12 | 6 |  |  |
| 2023-03 | 6 | wholesale funding >15%, uninsured deposits leaving | AOCI drag >20% of equity, assets shrinking |
| 2023-06 | 5 |  | uninsured deposits >50% |
| 2023-09 | 8 | brokered >10%, capital falling, construction >100% equity |  |
| 2023-12 | 6 |  | capital falling, construction >100% equity |
| 2024-03 | 4 | assets shrinking | loans-to-lenders >50% equity, deposits shrinking, uninsured deposits leaving |
| 2024-06 | 6 | loans-to-lenders >50% equity, deposits shrinking |  |
| 2024-09 | 4 |  | brokered >10%, loans-to-lenders >50% equity |
| 2024-12 | 3 | uninsured deposits >50% | wholesale funding >15%, deposits shrinking |
| 2025-03 | 3 | expense ratio p90 | assets shrinking |
| 2025-06 | 2 |  | expense ratio p90 |
| 2025-09 | 3 | capital falling |  |
| 2025-12 | 1 |  | securities losses >30% of equity, capital falling |

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

- 2026-02-23 [Brian Enzler named North Texas region president for First Third Bankcorp following Comerica acquisition - Fort Worth Report](https://news.google.com/rss/articles/CBMi2wFBVV95cUxPbmxPYW1hZDFyTUtQZWJiVllpRHpIb3VFbl9GdnVVU3lxSU52OVpTQkhYdXdEQTFrYTRMeWJMNTY4enJ0LVgzMFE0cjAwYWFaZ1Z5aUhOVkpfMTBXdTJkVzllQXFzSGE2YWx6eFQzVjN6UWNFY1ZVeVNQM3hPby1sUjFDVzloamlMbUpUN3JLV3pKamVvay1ucmo2c24tb1FpTkU4ckhKaC0xZnFYZDMzalBSTEJHZTlJLS1DN3RGOThnLWNCdjB5S3Fvc0VjNmFIZk4yR2diaDJBdVE?oc=5) · Fort Worth Report
- 2026-07-22 [Fifth Third nears end of Comerica Tower exit as it enters next phase of DFW branch expansion - The Business Journals](https://news.google.com/rss/articles/CBMikgFBVV95cUxPNU1YNUVmd3l2ZXNSMlk3NXRqU1gyekE3VG1MVHV4aWk0R2Nwbm1lYkI5R2lyWXRQN1BMb1JFTWZyUXVpUGpRcjVLYS1ZNmV0UXZpeDhtMmVHQVIwMzNDd3htMlR1UF9Yb1pxM1N5d1pzUGFMWjNzei0wM2RQVE1XQ2tIb2taRlRkOUtuN2RPcGNUQQ?oc=5) · The Business Journals
- 2026-02-01 [Comerica Closes $10.9B Merger, Wins DFW Corp. Counsel Award for M&A Transaction of the Year - The Texas Lawbook](https://news.google.com/rss/articles/CBMiswFBVV95cUxQYTVEa3JxUjJBWVNtc2VNdHRzekloZXZMOF9tbFNWX2ZxY0tGT1ZtSERLenZmempZVjlZX1lYbWVSZW9WVVc1WDdjX2pZT0RITGNJU1ZtVEZfaElVT2hoODFoazNCNUlBc1I2Wk9JNDR6V3pfcGZxT1huNUFLbFoyV2dFaTBqSzVhTE1IQmk4aXJrYjNxR2Q0VFEtQ05tNkJjMkJ6b3U2ejRoWGJhcHlEUTM3Yw?oc=5) · The Texas Lawbook
- 2026-02-04 [News | Fifth Third signs leases for 50 new Texas bank branches after buying Comerica - costar.com](https://news.google.com/rss/articles/CBMitgFBVV95cUxPMS10VGZaMzFJaFFLVU5YSjNQSGktbzlzSnJMYmlFNTZOd29oMFVrWVNPLVhsc3AwZVFETlNqSXF5OFNJcWdZQ0N0dncydm5MQXJGb0VDTFk3YXZRVVNTRU93N3Z5c3NUSkZuUEIwTWdrR09mMDJROHQwczdLdzRRcm1MVkdwakpwRmxLWl95X2h1V0o2SDk3N3gzc1VZXzhUcVhDWjh4ZFJFR1NGWHBQajNLVjhKZw?oc=5) · costar.com
- 2026-05-20 [Another downtown Dallas exit: Fifth Third leaving Comerica Tower, moving north - WFAA](https://news.google.com/rss/articles/CBMigAJBVV95cUxOVGZ1SmJyRjRqU2dTZE42UEFHZjJMcHh0RDBkUWtLUGhCQ1F2QnMyLXFMSVZUZTF4Z0g1WERHRnFVdW40NkFDd29IaU1KSnJyQmYxRFR1c2lzZTRDNUZxTnBHT0VsRjNsckhydWhOUUt5dVZ0eWlrMWdlS2lRakQtQzlsRkx4ajUtLVE4aU8wemhYNGZkOHAwNk9rdjB1MXNYZXhmMU5GVEhVQzRJenlqWUFDMnppaDFpNUYxVUJsbGppQWlSQTFOR2xHX3pIVmhDaDRCOW5tcjNJUl9yei1STzJ2U3IzTUZtd0xIQ3dsY2xfVlhDWUxObGl6NVEtQy1U?oc=5) · WFAA
- 2026-05-20 [Following Merger With Comerica Bank, Fifth Third Bank Makes Dallas Its Regional Headquarters - Dallas Innovates](https://news.google.com/rss/articles/CBMivAFBVV95cUxOQzctVXJfV3h5RkRQYVhpVGdOeHZ0NTQxeXIwbWM4cl9RSXBiTEs5RUVYR2J2QTVURXR0Y3VPdEk1X1ZJNWlsczAteGxVekpjRlVrQTVMOEhUYVJJXzBscnpPRlJVOUluMmtXczVldGNkSTBPOGpYWU5tcFk5ZzZsM01XMjRydC05akR2VElaUno2ZVoxTl9qamtFR0N2N1BSelpwUVkwZEV0MlJjQWZ3QTA1cnZNMDVGRnFEYw?oc=5) · Dallas Innovates
- 2026-05-20 [Fifth Third Bank leaving Comerica building within 90 days for Preston Center location - KERA News](https://news.google.com/rss/articles/CBMiwgFBVV95cUxNUFo3SG1KXzBJUVg1aG1BbWNIb01SeVdic1JSaGdCMXdQMVhDaWVYRldJdFpGYTZBZFRVZkEwejJEaFN0R1pTZUlJSkFEM1kyNm9nTk1idlcwd1I3dUloRGxsbk81dUFUay1kNUt0MjRwMmJtOXJzcGhldUQtUm1tbEF4UUlwQzcyYmpsUllWdWdxakVEb0dkOHBVOWRqOFRJZHRNZjhPVUNMTnVwelUxQ0FRMHU2UzdjNjlLN2w4Z2o0QQ?oc=5) · KERA News
- 2026-07-30 [Comerica Bank (Investment Management Texas) Number of Employees 2026 | Employee Count & Headcount Data - reveliolabs.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxQdXMwbU82WmVRS0FVTkhPNXppbjE2TS11ZW1KZHhvUERydjlheXVCWWppQnU1RnI5bDVXal95ME9OSWlQbUhyX29TRWZhWTZiRnRKdHhydkFTTVdHdmVSNWZyZmdib3o2TU9wLVdQM21pMVJlUnFUcmVFYldvaWNFd3Q1ZnR3MDJIV19OUzdGWkFCSHc?oc=5) · reveliolabs.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=983 (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/23.json (key "983", 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