# FIRST INDEPENDENT BANK
VANCOUVER, WA · FDIC certificate 1500 · asset band $300M-1B · latest filing 2011-12 · 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 | $780.3M | |
| Deposits | $680.0M | |
| Loans and leases | $453.2M | |
| Total equity | $88.9M | |
| Loans / deposits | 64.30% (p22 of band) | 76.92% |
| Liquid assets / assets | 37.17% (p71 of band) | |
| Uninsured deposits / deposits | 10.86% (p42 of band) | 12.31% |
| Brokered deposits | 1.70% | |
| Wholesale funding | 1.70% (p22 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.08% (p86 of band) | 9.47% |
| Unrealized securities loss / equity | 3.42% (p47 of band) | 3.82% |
| AOCI / equity | -2.23% (p3 of band) | |
| ROA (annualized) | 1.28% (p82 of band) | 0.70% |
| Net interest margin | 4.27% (p81 of band) | 3.76% |
| Efficiency ratio | 78.83% (p75 of band) | |
| Noncurrent loans | 1.41% (p36 of band) | 2.06% |
| Net charge-offs (annualized) | 0.18% (p35 of band) | |
| Reserve coverage of noncurrent | 249.18% | |
| Real estate % of loans | 80% | |
| Construction % of loans | 71.39% (p79 of band) | |
| Auto loans | $365,000 (0.08% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | – | |
| Employees | 233 | |

## 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 |  |  |

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

- 2026-08-08 [Terry Sable Obituary (1941 - 2026) - Vancouver, WA - The Columbian Recent Obituaries](https://news.google.com/rss/articles/CBMikwFBVV95cUxQc2tBa0hIYUhKeGZYNFN6bXJBdkR4UEhQM0pZR1NxM29LQTlUZ1F2M0s5aUpjQUhLWmVuWUUtdXp2VkZqWmlhT2drX0NBYjBobUNsWUhpd0I0WC0yM21KYmtBcTNpOG9IUzl5VWFnY0xHdU5HZm5kRUlPYzI5OGNBT1BpOVRlemY4czB3Z2JvY285bnc?oc=5) · The Columbian Recent Obituaries
- 2025-06-05 [First Independent Bank to open new Carson City Office - Carson Now](https://news.google.com/rss/articles/CBMilAFBVV95cUxPMVBfZkJBaTdXQ3pycTJHZ1lpY1BjYkM1OVpBNk9peVBhcTdHZl9lNHNSVjRvYzdfa2xjWDc2U09GcFBFbTFjNTBHM1dfNllnZnJFS2tTZTh1VVptYzRtWUh1cExvTmxZZ3g2Y2xzdkJ1ellEQ3d4MEhadlppUTNSWkJSTzJrVlk5NHptRm9EZWE4RFFv?oc=5) · Carson Now
- 2025-07-16 [Western Alliance Bank to Unify All Divisions Under One Brand - Business Wire](https://news.google.com/rss/articles/CBMiuAFBVV95cUxNZnpkd2JfRmRIMUNkQ2lJWmdOeXdkNzZfcklwTjViZVZfM2NHRWxKYVIxdUVaU0x0enVBRXlkTkRtdWM2cGVNMWVITjJMaDdmMHhOOGR5SnRjVmdnYy01aFRJd1hVa21SSFFKMzZNVGVuaXdSZ09FY3czck15UkhqaF9SNjJRZjQ2cDdHNnNGejdFd2k5ZU5oNFFwSXB3bzhSaUg5RVBLMGZrVDRMMFh4XzV6SmFVcFBu?oc=5) · Business Wire
- 2017-02-02 [Betty Brownawell Obituary - Vancouver, WA - Dignity Memorial](https://news.google.com/rss/articles/CBMihwFBVV95cUxPTUE0QS0xeUQteGpjT1NMUS1xMUxMUlY4aGFtX0dyaVNtVy1OZFIxM1hCdUg1bjZlbFVmaGFWS29OZ0NXdXBlOXgxZGpJMWNITWNuZUwyZkk2aGdGeERmOFRnanowN3RVYkZkQURubkltNm5uTTBMdUJoWE16NEJxbHpTdVJXcU0?oc=5) · Dignity Memorial
- 2010-08-26 [E.W. Firstenburg Obituary (2010) - Vancouver, WA - The Columbian Recent Obituaries](https://news.google.com/rss/articles/CBMimAFBVV95cUxNZkhteTJVdmI4YklycWgzalh3QUNMSzU5NUh6eW1mMDg5NC0xUWw5cld4cktkVXdObEVYMGJLcVVKZk81ZnVxQjNoaHJObVhXTlNkbmlLb2JBRVNfVnRleF9UejIzd1JldTFjV2hGaVNWTWlwaVBGbFhuZTQxZkJrZEdJNlVXX1lVakl3Ml9HbUwwaWdGOXphYg?oc=5) · The Columbian Recent Obituaries
- 2013-08-11 [Willie Robinson Obituary (2013) - Seattle, WA - The Seattle Times - legacy.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxNYnZ4MFRiQkxvY25CRmx5anlDVVVkM1NLdzBwTkYyWWdWSFRRZV9JbXZUb3Nod3NLSFlsbUFJQXpMZHBvUUtEQ0VEYXhOWmhRbjVnZ2t3ZngwOGM1MDh5bnE5aFlpd2xpcnA0bXRDVjB2Z3kzQTNoMEIwbG5qUGlhODJzRDNOVU1Sb1U2OFhqYmFucnltU1E?oc=5) · legacy.com
- 2021-06-25 [Glenna Van Boxtel Obituary (1934 - 2021) - Vancouver, WA - The Columbian Recent Obituaries](https://news.google.com/rss/articles/CBMimwFBVV95cUxQQlROTzdVNWJpb21tMGctOXBtNDRLZ1hsZFhGejY2OC13Q1FxRGxWTEMzY3l1RjVJOFc5cW9JbUwxRGhIdGJwRExiaFpkc1Z6bkRHWnUtSXJ3aTRfMGZOa0s3OVRuWThzbkdqOXczRndPTU9EajdLR2dJUHhjQVhERTBNbWFLbE96bXZieVk1ZVpJeFhTLXk2SHFsWQ?oc=5) · The Columbian Recent Obituaries
- 2014-05-01 [Donna Anderson Obituary (2014) - Vancouver, WA - The Columbian Recent Obituaries](https://news.google.com/rss/articles/CBMilwFBVV95cUxNVEZ2MW1MeklzaDNDeGJ4ckdqUzdHNkVndzlWUWFRVTlkQnB6c3pmTHI5V0J6NEpYdGUwLTRPQ2gxTElpbEJMaTRrYXFOSlhmZEFZR1h6Y2hNdHN2UHNVVHVWVHJIT1RlTGFFSFdSTUVhUS04NnlQN2dnXzRTQmdNX3FsOF95VHdtSWlFOVZSYlJnbWJlU2ZR?oc=5) · The Columbian Recent Obituaries

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=1500 (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/28.json (key "1500", 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