None
None is an FDIC-insured commercial bank. As of , the bank reported total assets of $288M and total deposits of $268M. Profitability stands at -0.72% ROA and -11.86% ROE, with a net interest margin of 5.22%. CET1 capital ratio: 8.41%. NPL ratio: 13.14% · Texas Ratio: 122.02%. Operates 3 domestic branches.
Profitability
Capital & Liquidity
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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.
A Texas Ratio above 100% means non-performing assets exceed the bank's capital and reserves. Historically correlates with elevated failure risk per the 1980s Texas banking crisis from which the ratio was named.
Non-performing loans (90+ days past due or non-accrual) exceed 3% of total loans — well above the typical community-bank range of 0.5–1.5%.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios.
rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
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.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 8.41% | -0.72% | 13.14% | 122.02% | 5.22% |
| 2025-09-30 | 10.30% | 2.36% | 13.61% | 151.38% | 4.56% |
| 2025-06-30 | 8.13% | 5.06% | 11.71% | 120.29% | 2.71% |
| 2025-03-31 | 8.88% | 0.02% | 11.91% | 110.71% | 4.70% |
| 2024-12-31 | 9.46% | 2.88% | 13.05% | 121.21% | 4.52% |
| 2024-09-30 | 10.58% | -1.31% | 5.53% | 43.76% | 5.98% |
| 2024-06-30 | 11.85% | 0.56% | 5.38% | 41.79% | 6.06% |
| 2024-03-31 | 11.99% | 0.04% | 7.67% | 57.80% | 6.12% |