# COMMUNITY 1ST BANK LAS VEGAS
LAS VEGAS, NM · FDIC certificate 16854 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (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 | $293.9M | |
| Deposits | $265.8M | |
| Loans and leases | $106.7M | |
| Total equity | $27.0M | |
| Loans / deposits | 39.61% (p12 of band) | 73.59% |
| Liquid assets / assets | 60.47% (p88 of band) | |
| Uninsured deposits / deposits | 40.09% (p92 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.02% (p25 of band) | 11.76% |
| Unrealized securities loss / equity | -8.26% (p45 of band) | -6.57% |
| AOCI / equity | -5.94% (p1 of band) | |
| ROA (annualized) | 2.12% (p88 of band) | 1.17% |
| Net interest margin | 4.06% (p57 of band) | 3.93% |
| Efficiency ratio | 48.49% (p12 of band) | |
| Noncurrent loans | 0.03% (p27 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 4573.33% | |
| Real estate % of loans | 82% | |
| Construction % of loans | 58.54% (p83 of band) | |
| Auto loans | $205,000 (0.19% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -7.5% | |
| Employees | 34 | |

## Flags firing in the latest filing

- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 | charge-offs p90 | reserve under noncurrent |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 | uninsured deposits leaving | charge-offs p90 |
| 2012-06 | 0 |  | uninsured deposits leaving |
| 2012-09 | 4 | reserve under noncurrent, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2012-12 | 2 | noncurrent p90 | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2013-03 | 5 | losing money, deposits shrinking, assets shrinking |  |
| 2013-06 | 4 |  | losing money |
| 2013-09 | 6 | charge-offs p90, uninsured deposits leaving |  |
| 2013-12 | 8 | capital falling, losing money |  |
| 2014-03 | 6 |  | uninsured deposits leaving, capital falling |
| 2014-06 | 7 | expense ratio p90 |  |
| 2014-09 | 7 |  |  |
| 2014-12 | 8 | leverage <7%, capital falling | charge-offs p90 |
| 2015-03 | 8 | uninsured deposits leaving | capital falling |
| 2015-06 | 8 | charge-offs p90 | uninsured deposits leaving |
| 2015-09 | 8 |  |  |
| 2015-12 | 7 | capital falling | deposits shrinking, assets shrinking |
| 2016-03 | 6 |  | charge-offs p90 |
| 2016-06 | 6 |  |  |
| 2016-09 | 5 |  | capital falling |
| 2016-12 | 8 | charge-offs p90, deposits shrinking, assets shrinking |  |
| 2017-03 | 5 |  | leverage <7%, deposits shrinking, assets shrinking |
| 2017-06 | 3 |  | losing money, expense ratio p90 |
| 2017-09 | 3 |  |  |
| 2017-12 | 4 | capital falling |  |
| 2018-03 | 3 | expense ratio p90 | charge-offs p90, capital falling |
| 2018-06 | 3 |  |  |
| 2018-09 | 1 |  | reserve under noncurrent, noncurrent p90 |
| 2018-12 | 0 |  | expense ratio p90 |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | AOCI drag >20% of equity, securities losses >30% of equity | capital falling |
| 2022-06 | 2 |  |  |
| 2022-09 | 3 | construction >100% equity |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 2 |  | AOCI drag >20% of equity |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 | capital falling | securities losses >30% of equity |
| 2024-12 | 1 |  | capital falling |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 | capital falling | construction >100% equity |
| 2025-09 | 0 |  | capital falling |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 2 | deposits shrinking, assets shrinking |  |

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

- 2021-09-20 [Community 1st Bank Las Vegas review: Hispanic American-owned bank with competitive CD rates - Business Insider Africa](https://news.google.com/rss/articles/CBMi3gFBVV95cUxPVW53ZlJKQjIzZ01uSC1LWWZhVjhyaHN4SWt0Y2o4S2FodENMN3F4UTMxY09MUkVYa29zc2RiTGdJUkFNLUd2R0NOeUNyUkZOVUI4T183ejZqQ1I0VU9xOTlKZm5jRF9IU0NJRFhxQjRGRHFGdDZKdy00eVZBaHpRZW5TckEtOFk0N3VpVlUyMm1ad0k0NFM3Z2hwd0kzT3Nfd2RzQ2hkWUtTVzc5SzlOS1hIc192RkJ0S1prS0N5TWR6SGFDV1ZwdU9ZNjExMkdrOVRfMzdUdllmcndWbkE?oc=5) · Business Insider Africa
- 2021-02-05 [Hispanic American–Owned Banks by State - Investopedia](https://news.google.com/rss/articles/CBMigAFBVV95cUxNekJYVXloWFZDb19oMGVOdmo5aFRBalRMbHktTk90UmRrY0c3a2hINVl1eFAzWURsV0RhX3Y2NDdJMVdvbmduUzNqa3REV0U5NXdRRF9CNVpvTC1QbTYwYUVBQm90N2VHbmhhQ2laRUh2RlEtSV9teWF1OTNvd2Q3Zw?oc=5) · Investopedia
- 2024-04-24 [Luna Community College Foundation Presents: Mariachi Gran Victoria Fundraising Concert - KRTN](https://news.google.com/rss/articles/CBMiuwFBVV95cUxPYVAzc2hfSlg1WUFtcnlSM2E1cVc1MlloMnNGcHBIb2FrWWZLa0pBQTJxdFdRdmcteUg2eEJtOXBEQ2dzdUJmbktfQlRkbDVocmdIZUdBRVNlSWxzU3kxNGJWYXdxZXlfTExzRXpPdHhyUXpFMmpLZTNXYW1KZDdFOXlCWUZTY29SODBQSWNTbm9MR0hmRlVjNW0yYXlWYVZUUlJ5YkFra0ZET2VuTWNBMHR3cXp1blJZM2Vr?oc=5) · KRTN
- 2014-06-28 [Unofficial Problem Bank list declines to 468 Institutions, Q2 2014 Transition Matrix - Calculated Risk](https://news.google.com/rss/articles/CBMikgFBVV95cUxOSUFUUFMzT2JPM0xhYkZjbU94c2U3RTRROU1pcEtFNUZXS0dxTmtSTldvbnRqRGFoeHVUOW9sbnRocmdfOWVRX3VDNExTc2JTNDRZTWJURU16SmVESHlNQnNPV2FJaXZQVERjVldCOUJETE8tRmxtMVAxZ1p5VDhqLXROZkRNdzJQbmY2VUJjX3gtUQ?oc=5) · Calculated Risk
- 2024-12-31 [54 Hispanic American-Owned Banks and Credit Unions, Sorted by State - Business Insider](https://news.google.com/rss/articles/CBMiogFBVV95cUxNNmt0RG9HN2paQWIzZFhYT1ZrSzJMMFB4RXpMdnRZRThiZUFoLUlDVWJUWmQwYVBTZ3NQNU9JRVJHcG9QZUZuTklnUlc1MzFncHhidzRmc0p6RFRXYm43WlUzT2RvckFKUGNiNEpIU1hzbkozLWtVX2p1V1ZCNVZiNmN4T2lKMXpGU3RVTkpGbWhsa0E0SXZ4WlBUMnVhTFAzcVE?oc=5) · Business Insider
- 2019-09-22 [Route 66 Restaurant in Santa Rosa closes - Route 66 News](https://news.google.com/rss/articles/CBMigwFBVV95cUxPWnA1bkdoeDhpaXhDWExjWDZid0hGdzd4MF9uSUUtMVd5eXZlMnExT0licWNwVV9RSlFyRUFzUnlmT1lUeXFSSDBPVmJtOTIwVDRHVTRCalFvWmdlUVpWYVZfX0VDTjVEUU1odjgxY1NQdnJPbUVoU2xHTkZuQTR6S25nOA?oc=5) · Route 66 News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16854 (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/22.json (key "16854", 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