# COLORADO STATE BANK OF WALSH
WALSH, CO · FDIC certificate 11264 · asset band <$300M · latest filing 2013-09 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (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 | $44.0M | |
| Deposits | $37.7M | |
| Loans and leases | $14.2M | |
| Total equity | $6.3M | |
| Loans / deposits | 36.97% (p9 of band) | 69.26% |
| Liquid assets / assets | 66.33% (p93 of band) | |
| Uninsured deposits / deposits | 10.93% (p45 of band) | 11.87% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.96% (p84 of band) | 10.33% |
| Unrealized securities loss / equity | 2.92% (p92 of band) | -0.53% |
| AOCI / equity | -4.16% (p42 of band) | |
| ROA (annualized) | 0.57% (p36 of band) | 0.77% |
| Net interest margin | 3.10% (p24 of band) | 3.62% |
| Efficiency ratio | 82.05% (p69 of band) | |
| Noncurrent loans | 0.00% (p5 of band) | 1.08% |
| Net charge-offs (annualized) | -0.04% (p7 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 53% | |
| Construction % of loans | 0.00% (p7 of band) | |
| Auto loans | $198,000 (1.40% of loans; DQ 0.51%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -1.5% | |
| Employees | 7 | |

## Flags firing in the latest filing

- none

## 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 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | capital falling |  |
| 2013-03 | 0 |  | capital falling |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |

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

- 2026-07-29 [Colorado News - The Denver Post](https://news.google.com/rss/articles/CBMiXEFVX3lxTE8zQXlCSk1NUlB5ZGdfWTdXdWFaeTVqeGtmemZXZE5oRC1YekpZd3ZmT1hOVWQ0RHZsaENYQm5kZU1DX1Q3SnJrUi0zbWtlSEFMeEpubjMxTXRHdXdv?oc=5) · The Denver Post

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11264 (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/0.json (key "11264", 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