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FinObservatory

Bank health / #26658

Amistad Bank

Del Rio, Texas · State commercial bank, Fed nonmember (FDIC) · www.amistadbank.com

$56.3M
Total assets
$45.2M
Total deposits
#26658
FDIC cert
1986
Established
FinObservatory Composite
56.1/ 100
2026Q1, 0-100 where higher = financially stronger
Capital
weight 0.25
46.6
Asset quality
weight 0.25
82.7
Earnings
weight 0.20
53.0
Liquidity
weight 0.15
43.4
Sensitivity (proxy)
weight 0.15
44.5

Not a CAMELS rating. The FinObservatory Composite is a transparent proxy computed only from public FDIC call-report data. It is not the confidential examiner-assigned CAMELS rating, and it is not investment or deposit advice: a high score is not a solvency guarantee, a low score is not a failure prediction. In the 2023 failures, public ratios rated Silicon Valley Bank above average the quarter before it failed, because the cause (unrealized long-duration securities losses against a concentrated deposit base) is invisible in these fields. Full methodology and caveats.

Source: FDIC BankFind Suite (institutions, financials) Methodology

Composite and ratio trends

Quarterly, 1992Q12026Q1. The raw call-report ratios run back to 1992Q1 where FDIC reports them (the 1992–2014 history and the 2015–present panel join at a continuous, non-overlapping seam). The FinObservatory Composite begins 2015Q1 only: its peer-percentile scoring is built on the 2015+ panel, and pre-2015 quarters are shown as a gap rather than back-filled with an incomparable score. A field FDIC does not report for a given quarter is a gap, not a zero. Each panel has its own scale. Hover to read any quarter.

FinObservatory Composite (0-100)
02550751992199820032008201320182023
Tier-1 leverage ratio (%)
010201992199820032008201320182023
Total risk-based capital (%)
01020301992199820032008201320182023
Noncurrent loans (% of loans)
02461992199820032008201320182023
Return on assets (%)
-20241992199820032008201320182023
Net interest margin (%)
05101992199820032008201320182023
Loans-to-deposits (%)
0501001501992199820032008201320182023

Source: FDIC BankFind Suite (institutions, financials) Noncurrent loans = loans 90+ days past due or nonaccrual, as a share of gross loans; loans-to-deposits is net loans over deposits. Methodology

This scorecard is a public-data proxy, not a CAMELS rating and not investment or deposit advice. See the methodology and caveats.