# MCCLAVE STATE BANK
MCCLAVE, CO · FDIC certificate 11261 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. 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 | $78.9M | |
| Deposits | $65.5M | |
| Loans and leases | $68.9M | |
| Total equity | $11.0M | |
| Loans / deposits | 103.95% (p94 of band) | 73.59% |
| Liquid assets / assets | 8.76% (p2 of band) | |
| Uninsured deposits / deposits | 14.70% (p30 of band) | 19.81% |
| Brokered deposits | 12.38% | |
| Wholesale funding | 14.91% (p91 of band) | |
| FHLB advances / assets | 2.53% | |
| Tier 1 leverage | 14.04% (p71 of band) | 11.76% |
| Unrealized securities loss / equity | -1.37% (p74 of band) | -6.57% |
| AOCI / equity | -0.23% (p58 of band) | |
| ROA (annualized) | 1.81% (p80 of band) | 1.17% |
| Net interest margin | 4.98% (p89 of band) | 3.93% |
| Efficiency ratio | 50.28% (p14 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.01% (p66 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 55% | |
| Construction % of loans | 2.95% (p25 of band) | |
| Auto loans | $156,000 (0.23% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -0.2% | |
| Employees | 11 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **brokered >10%** (`liq_brokered`)
- **liquid assets <10%** (`liq_thin`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | reserve under noncurrent |  |
| 2012-06 | 0 |  | reserve under noncurrent |
| 2012-09 | 1 | reserve under noncurrent |  |
| 2012-12 | 0 |  | reserve under noncurrent |
| 2013-03 | 1 | reserve under noncurrent |  |
| 2013-06 | 0 |  | reserve under noncurrent |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 3 | brokered >10%, wholesale funding >15%, uninsured deposits leaving |  |
| 2015-09 | 3 | capital falling | uninsured deposits leaving |
| 2015-12 | 3 |  |  |
| 2016-03 | 3 |  |  |
| 2016-06 | 5 | charge-offs p90, reserve under noncurrent |  |
| 2016-09 | 4 |  | charge-offs p90 |
| 2016-12 | 4 | charge-offs p90 | capital falling |
| 2017-03 | 3 |  | charge-offs p90 |
| 2017-06 | 2 |  | reserve under noncurrent |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 3 | loans exceed deposits |  |
| 2018-12 | 2 |  | loans exceed deposits |
| 2019-03 | 2 |  |  |
| 2019-06 | 5 | loans exceed deposits, charge-offs p90, reserve under noncurrent |  |
| 2019-09 | 3 |  | charge-offs p90, reserve under noncurrent |
| 2019-12 | 4 | charge-offs p90 |  |
| 2020-03 | 3 |  | loans exceed deposits |
| 2020-06 | 4 | loans exceed deposits |  |
| 2020-09 | 4 | uninsured deposits leaving | loans exceed deposits |
| 2020-12 | 4 |  |  |
| 2021-03 | 3 |  | charge-offs p90 |
| 2021-06 | 2 |  | uninsured deposits leaving |
| 2021-09 | 2 | loans exceed deposits | wholesale funding >15% |
| 2021-12 | 1 |  | loans exceed deposits |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 | loans exceed deposits | brokered >10% |
| 2022-12 | 0 |  | loans exceed deposits |
| 2023-03 | 1 | loans exceed deposits |  |
| 2023-06 | 2 | capital falling |  |
| 2023-09 | 5 | brokered >10%, wholesale funding >15%, liquid assets <10% |  |
| 2023-12 | 3 |  | capital falling, wholesale funding >15% |
| 2024-03 | 0 |  | loans exceed deposits, brokered >10%, liquid assets <10% |
| 2024-06 | 5 | loans exceed deposits, brokered >10%, wholesale funding >15%, liquid assets <10%, capital falling |  |
| 2024-09 | 5 |  |  |
| 2024-12 | 4 | charge-offs p90 | liquid assets <10%, capital falling |
| 2025-03 | 2 |  | loans exceed deposits, charge-offs p90 |
| 2025-06 | 4 | loans exceed deposits, liquid assets <10% |  |
| 2025-09 | 4 |  |  |
| 2025-12 | 2 |  | loans exceed deposits, liquid assets <10% |
| 2026-03 | 2 | uninsured deposits leaving | wholesale funding >15% |
| 2026-06 | 4 | loans exceed deposits, liquid assets <10% |  |

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

- 2025-07-07 [McClave State Bank opens new Lamar branch - The Prowers Journal](https://news.google.com/rss/articles/CBMihwFBVV95cUxNZ0hiMlZaZU5vdm5oUzV5cUtBT0pERldfQUR2d2VFQ2NBVHJ6SzIzQnVaWmQ3WWlCMEVpQkh3ZFowVzRhVE1XWUw0aFNIYV9RNmxtemtleVBNRHZGektvV3ItZzhmYUl1T1lUdXkxLUJ5SFZBMC1TMEYyM1UyTTEzUlp0VllpSGs?oc=5) · The Prowers Journal
- 2013-06-28 [Two Pueblo men arrested following McClave Bank robbery - Lamar Ledger](https://news.google.com/rss/articles/CBMimwFBVV95cUxOa013REpqUWxYWlJkQUZSWGJ0NV9GWGdGRUpxUVdwYTlWT2hnazZpdlJwdmM4RndEUUtmV0s1enFiQ3RQbnM1LXFxWUZEakRxbHN1MVhyNXVmMGxXNWFscTVmMU9MZlVSOEJObFk4aThBVlBWbTRveHFVWW1paHp2RTRhNVM0YndXU0Rla2dLelJtVWI3TDRUSVhGTQ?oc=5) · Lamar Ledger
- 2025-12-02 [Chad Walter Roberson Obituary (2025) - Arlington, CO - Peacock-Larsen Funeral Home & Arkansas Valley Crematory - La Junta - Legacy obituary](https://news.google.com/rss/articles/CBMiggFBVV95cUxNWFVyNjF0YURvSV84UFp6RGNhNzE5VE5HUkQ2a3hYcE9rWVNycVp2N3YwZG96bnF2d3JqbVVhbTZSOWpjZHhNZ3QyZXpLN1hPdk5MbTBFSVJNeXZ0dUlwS3NjV2RqekpoUkU3WFZYNm5TSnJVUTlkUXpqZFNrczZpZDhR?oc=5) · Legacy obituary
- 2011-04-18 [Still waters - Pueblo Chieftain](https://news.google.com/rss/articles/CBMifEFVX3lxTFAzeXR3Vm8tNUFzbU1aNGZwVmlrZnpPT0k4aURoa294WFNHbV85NC1YUHBZZTU1cEtsdkFUUERzWGRWRi1lMy1hR1JOR2JDUDZXZ21XaDl4ckdVcnJaaDk1X3pXeEp0bFhZdUlLX2ppM2NhTmJRTmNUQVAwZkU?oc=5) · Pueblo Chieftain
- 2023-04-01 [Mildred Marie Travis - longmontleader.com](https://news.google.com/rss/articles/CBMiekFVX3lxTE1ZMFNib3dXLXVLMU5sM2hZTmtWd2ZsX1M0cG9QY2VKVktQS0phYUlKUXFhY25tN29BdlRhYkdDUVRLR21OcEE2dVA5VHVDNzB2UUZPV3haeDFhdVplRFhmU0R3cmlxVXZ6QzVnM2pKenFCajhSd2VDYkJn?oc=5) · longmontleader.com
- 2026-06-06 [Michael Dean LeForce – September 18, 1984 – June 2, 2026 - The Prowers Journal](https://news.google.com/rss/articles/CBMikwFBVV95cUxPM09CVnZzMk1LMlpMMU5uWjdmNWJfdXBiQm05ZmtTUURza2dicVZQWTM0UVhRcUVyVGRfd3FJMG5UV2oteU0zelNWYjNsYU9uUG1xSDBfOUoyOThsQWxHdUh0TEZ1Nkd3cmdPUy16ZU9DMk8tWnUtQzl3Tm1aZmtfa1VnLXNxRTVxSzctTjA1YlZCWms?oc=5) · The Prowers Journal
- 2013-07-06 [Givan, Hyatt appear in court July 2 - Lamar Ledger](https://news.google.com/rss/articles/CBMifEFVX3lxTE9PcksweHFsVUxnN3d6YnBGUy1iVVluUUE2LTEwSmljQk5wbWJmaTd1aVk2dko5QUNhUkZ4ZTk3eEN4Z3JSck8wblB4azNpbFpudHlfbGFCQUdZZ1lZNHNvLXM0X2lkc0VqSXBLYVRZVk4yQ19qNGdSWk9fTE4?oc=5) · Lamar Ledger
- 2026-01-28 [Lamar Mayor Kirk Crespin, City Administrator Mitch Hammes share story of positivity and progress for Lamar - The Prowers Journal](https://news.google.com/rss/articles/CBMi3AFBVV95cUxPSDFMMUJLcnRycGV2OC1oLWhubnFVRXBnZ3dQZVpwVjVFRmZuRl9XMk5ZWnJjVUpIcTBYd0NnYXU4N2NacnV3R1RQTVRZYm5yRmF2X2tjNXY4Y3llQXkyYWxndEY1d3NvNjZRanRZSDN5U3NlTmdHNDJpaEx6OEhjVzJ3SDVvcUFNbVpGQW9wT0RmcE5RMjlVRDBZV1pFVXhPVFJGX29aQVYzRGRiTEEzNkRSbnljRTNhNHVSTVFyVDlHOVk3LW1lWkJDSzB0X05oNm5lSGJpMEozNk03?oc=5) · The Prowers Journal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11261 (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/61.json (key "11261", 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