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BanksNone

None is an FDIC-insured commercial bank. As of , the bank reported total assets of $415M and total deposits of $377M. Profitability stands at 1.88% ROA and 21.94% ROE, with a net interest margin of 3.36%. CET1 capital ratio: 6.80%. NPL ratio: 1.05% · Texas Ratio: 4.96%. Operates 8 domestic branches.

Assets
$415M
Deposits
$377M
Loans
$173M
Equity
$35M

This is just the summary.

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Watch flags

Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.

CET1 ratio at 6.80% — inside capital conservation bufferWhat does this mean? →

The bank's Common Equity Tier 1 ratio is below the 7% effective floor (4.5% minimum + 2.5% conservation buffer) — triggers regulatory restrictions on dividends, buybacks, and discretionary bonuses.

Quarterly trend — last 8 quarters

Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.

QuarterCET1ROANPLTexasNIM
2025-12-316.80%1.88%1.05%4.96%3.36%
2025-09-307.19%1.91%0.65%2.97%3.38%
2025-06-306.82%1.79%0.56%2.76%3.15%
2025-03-315.43%1.66%0.41%2.11%3.04%
2024-12-315.73%1.55%0.49%3.36%2.99%
2024-09-305.80%1.32%0.52%2.54%2.89%
2024-06-305.38%1.32%0.56%3.31%2.89%
2024-03-314.93%1.15%0.51%2.95%2.72%