# GUNNISON VALLEY BANK
GUNNISON, UT · FDIC certificate 1250 · asset band <$300M · latest filing 2018-12 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 8 (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 | $68.1M | |
| Deposits | $61.9M | |
| Loans and leases | $52.6M | |
| Total equity | $3.3M | |
| Loans / deposits | 79.52% (p54 of band) | 77.51% |
| Liquid assets / assets | 20.08% (p27 of band) | |
| Uninsured deposits / deposits | 13.63% (p40 of band) | 15.78% |
| Brokered deposits | 4.00% | |
| Wholesale funding | 7.31% (p75 of band) | |
| FHLB advances / assets | 3.31% | |
| Tier 1 leverage | 5.03% (p0 of band) | 11.30% |
| Unrealized securities loss / equity | -3.99% (p27 of band) | -1.85% |
| AOCI / equity | -2.22% (p23 of band) | |
| ROA (annualized) | -7.63% (p0 of band) | 0.99% |
| Net interest margin | 5.50% (p98 of band) | 3.82% |
| Efficiency ratio | 72.94% (p59 of band) | |
| Noncurrent loans | 17.22% (p100 of band) | 0.53% |
| Net charge-offs (annualized) | 7.50% (p100 of band) | |
| Reserve coverage of noncurrent | 37.76% | |
| Real estate % of loans | 8% | |
| Construction % of loans | 5.74% (p30 of band) | |
| Auto loans | $16.4M (31.16% of loans; DQ 19.48%, NCO 1.41%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -7.2% | |
| Employees | 10 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **losing money** (`earn_negative`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **auto book souring** (`conc_auto`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 2 |  | charge-offs p90 |
| 2011-09 | 2 |  |  |
| 2011-12 | 4 | capital falling, charge-offs p90 |  |
| 2012-03 | 3 |  | capital falling |
| 2012-06 | 3 | liquid assets <10% | noncurrent p90 |
| 2012-09 | 3 |  |  |
| 2012-12 | 2 |  | liquid assets <10% |
| 2013-03 | 3 | noncurrent p90, auto book souring | charge-offs p90 |
| 2013-06 | 4 | liquid assets <10% |  |
| 2013-09 | 4 | charge-offs p90 | liquid assets <10% |
| 2013-12 | 4 |  |  |
| 2014-03 | 5 | liquid assets <10% |  |
| 2014-06 | 7 | losing money, uninsured deposits leaving |  |
| 2014-09 | 4 |  | liquid assets <10%, losing money, uninsured deposits leaving |
| 2014-12 | 4 |  |  |
| 2015-03 | 5 | liquid assets <10% |  |
| 2015-06 | 5 |  |  |
| 2015-09 | 4 |  | liquid assets <10% |
| 2015-12 | 4 |  |  |
| 2016-03 | 7 | liquid assets <10%, capital falling, losing money |  |
| 2016-06 | 5 |  | liquid assets <10%, capital falling |
| 2016-09 | 4 |  | losing money |
| 2016-12 | 5 | losing money |  |
| 2017-03 | 2 |  | auto book souring, charge-offs p90, losing money |
| 2017-06 | 6 | charge-offs p90, auto book souring, deposits shrinking, assets shrinking |  |
| 2017-09 | 6 |  |  |
| 2017-12 | 6 |  |  |
| 2018-03 | 11 | leverage <7%, leverage <5%, losing money, uninsured deposits leaving |  |
| 2018-06 | 10 |  | uninsured deposits leaving |
| 2018-09 | 10 |  |  |
| 2018-12 | 8 |  | leverage <5% |

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

- 2019-01-03 [News in brief: Ivins to start building dams; local bank part of new merger - thespectrum.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxQM21ZMWx0OVlyZ2hhZXJQODZYdHRyMjNRTk55MlVwbGRUR0VlZ2ZPVENzZFNiVFcySi02ckhJT1VnWGd6cHl4YVhjaTFnUUtQcFZPZk4yRjlBVU1jUWlPdDZCdmF3OUhIME9qTjYwNkRGTWlhb3pQcm5ZbDY1RHNyQWg3aVFXZnBhaFFSN0R2VQ?oc=5) · thespectrum.com
- 2016-03-11 [Jimmy Boyd Goble Obituary Mar 11, 2016 - Magleby Mortuary](https://news.google.com/rss/articles/CBMiZEFVX3lxTE95QWExTEZMbXBOTFV3UURKRlJwRWdXc1FxRXFWYmI0SmtMMVg3Y3VaV2UyMUg2VW9fWTM5ZDlYa25wZ29fQnRzVm9oVDk0N0pNeFdxNnVLQzRHM1JHUE5aSjZzUzg?oc=5) · Magleby Mortuary
- 2022-03-05 [Kurt Ned Sorenson Obituary Mar 5, 2022 - Magleby Mortuary](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE9OMXNOM1QtMEFWYk15WXpTSnA2Um9oMlh5ekhudlpwSkpKQmhRbFFnQ2hVRVFKNWN0Y2ZTSDlwQzhnR0oySm9iN3RCTzFTVmo4S2xTODNZYVhjbXFfZWVNcUxhVHl4XzA?oc=5) · Magleby Mortuary
- 2017-07-05 [Allen Eugene Jensen Obituary Jul 5, 2017 - Magleby Mortuary](https://news.google.com/rss/articles/CBMibkFVX3lxTE5sSGNyRVI4UndqYXIxM3gyZ1FGQUNIZHo2UWs2ekJ1VUZFSFZfcGJteHVsQWhNN2JrV3pSX3FmVHdmZ3I2QzVLR010U2JHWVVMR0tQREU2V21zbUFIaVkzRndqS3k3WWIzOUhORnVR?oc=5) · Magleby Mortuary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=1250 (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/34.json (key "1250", 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