# PIKES PEAK NATIONAL BANK
COLORADO SPRINGS, CO · FDIC certificate 17782 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. 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 | $110.8M | |
| Deposits | $93.1M | |
| Loans and leases | $74.1M | |
| Total equity | $17.0M | |
| Loans / deposits | 78.38% (p59 of band) | 73.59% |
| Liquid assets / assets | 30.24% (p45 of band) | |
| Uninsured deposits / deposits | 22.39% (p60 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.38% (p49 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 15.56% (p80 of band) | 11.76% |
| Unrealized securities loss / equity | -1.89% (p71 of band) | -6.57% |
| AOCI / equity | -0.84% (p31 of band) | |
| ROA (annualized) | 0.59% (p20 of band) | 1.17% |
| Net interest margin | 4.62% (p80 of band) | 3.93% |
| Efficiency ratio | 82.87% (p83 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 89% | |
| Construction % of loans | 13.74% (p45 of band) | |
| Auto loans | $9,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 3.8% | |
| Employees | 25 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | losing money, noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 4 |  |  |
| 2011-09 | 4 |  |  |
| 2011-12 | 6 | capital falling, expense ratio p90 |  |
| 2012-03 | 4 |  | charge-offs p90, capital falling |
| 2012-06 | 3 | uninsured deposits leaving | losing money, expense ratio p90 |
| 2012-09 | 3 |  |  |
| 2012-12 | 3 |  |  |
| 2013-03 | 2 |  | uninsured deposits leaving |
| 2013-06 | 2 |  |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 3 | expense ratio p90 |  |
| 2014-09 | 3 | capital falling | expense ratio p90 |
| 2014-12 | 2 |  | capital falling |
| 2015-03 | 3 | charge-offs p90 |  |
| 2015-06 | 3 |  |  |
| 2015-09 | 2 |  | charge-offs p90 |
| 2015-12 | 2 |  |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 3 | charge-offs p90 |  |
| 2017-06 | 2 |  | charge-offs p90 |
| 2017-09 | 1 |  | noncurrent p90 |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | expense ratio p90 |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 3 | capital falling |  |
| 2018-12 | 1 |  | expense ratio p90, capital falling |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 2 | deposits shrinking |  |
| 2019-12 | 1 |  | deposits shrinking |
| 2020-03 | 2 | expense ratio p90 |  |
| 2020-06 | 2 | losing money | reserve under noncurrent |
| 2020-09 | 3 | capital falling |  |
| 2020-12 | 2 |  | capital falling |
| 2021-03 | 2 |  |  |
| 2021-06 | 4 | capital falling, charge-offs p90 |  |
| 2021-09 | 3 |  | charge-offs p90 |
| 2021-12 | 3 |  |  |
| 2022-03 | 3 |  |  |
| 2022-06 | 2 |  | capital falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 3 | deposits shrinking, assets shrinking | losing money |
| 2023-03 | 1 |  | expense ratio p90, assets shrinking |
| 2023-06 | 1 |  |  |
| 2023-09 | 4 | expense ratio p90, assets shrinking, uninsured deposits leaving |  |
| 2023-12 | 0 |  | deposits shrinking, expense ratio p90, assets shrinking, uninsured deposits leaving |
| 2024-03 | 5 | losing money, expense ratio p90, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2024-06 | 5 |  |  |
| 2024-09 | 4 |  | uninsured deposits leaving |
| 2024-12 | 6 | capital falling, uninsured deposits leaving |  |
| 2025-03 | 0 |  | losing money, expense ratio p90, deposits shrinking, assets shrinking, capital falling, uninsured deposits leaving |
| 2025-06 | 0 |  |  |
| 2025-09 | 1 | capital falling |  |
| 2025-12 | 0 |  | capital falling |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2010-05-21 [OCC Enforcement Actions - occ.gov](https://news.google.com/rss/articles/CBMifkFVX3lxTE40WVF2TEg1XzNQZEJ5bkZRTUlGNWhvWkFkVkN6dU1EelBKNV9rWnhjNVBidk9iaTZJVEw0LUgyS2pzU0tZMjBTTVRYbHhiZnZhR2FHTmFYYU00VmtCSUxmWkdPSEpQZGhPRWREdGJWQkZ5ZURnWEdMNEZwMlhaUQ?oc=5) · occ.gov
- 2026-05-21 [Territory Days kicks off Saturday in Old Colorado City - KKTV](https://news.google.com/rss/articles/CBMijAFBVV95cUxPZ2VBMlZYNDA4Y3Zvc3JuN2l4VFVhR3E3NlJad1p6ekxDN1g2UXBRMUhQVndfUE9oYnF0c3pwdXR0UmFJSkpwQjlfNnVEUzJyMjZEUFJiSkdvRkJjTjVCNGtwaHVaSDE1dnJQR2h4X1F0THFrcnJES2NlR2hESV9kSkNOdTl4dmJGbWNoedIBoAFBVV95cUxQSmdlOTZvbWtNLU4yRjB4MnVhRF9HODRMcWVmaG50by1DLXJKa1ZQd2tNdThnUTUyTWQ2SG4xb2I0OWlWWEhZQldpaVBZaVV5WWdZSGNzem9lTTR2R19qVEFoUDBOR1FQYXVrZlFSRE5IOXhiTHVMemdrVzBlb0xpbTlJeFA1UnZ2MjlJSUl4YUc4Z0VDWnlOS2Z6SFpOeW94?oc=5) · KKTV
- 2019-01-10 [Men accused of working together in Colorado Springs robberies - KOAA News 5](https://news.google.com/rss/articles/CBMiuAFBVV95cUxPT0RHNVEyU1JJYUFhWkVGT0tCNWo3Sy16WkQ4WVIzUjI4b2hBMV9VdER1bGwxdGpzdG1MaW9TSDVfOThjZ2xJYmFtNjQyRWYzUzFKXzdnYXU0ekxXRGJrbmRhSUJSdXRUSEJGRmNicTJvRDlXVU90MHE1ZUJsRTFCbWVHMmFRM3hhN1RaR2dpQ01pWU9YMXJvQVBwb0xJVVN6bVRUZUlTQlVISml6anRoSUI2OEFNS2Zq?oc=5) · KOAA News 5
- 2018-07-18 [Lebanese banker buys Colorado Springs bank as part of U.S. expansion - Lebanese Examiner](https://news.google.com/rss/articles/CBMipAFBVV95cUxPTXZ4YlBSUkhVbFpKUGtYcGVNWVBJNmY1ZWNoR0k0QVJmVVlDQnVWbEZzaTNsendsa1JPY2N2c3hJMFpKMzMzNHFiVFpnTWVPc0hENVZMQXhyUV9UaElVak0zTEM0ZmI1cUVyNjhGNHp3ZUFzbVpha3F0a2tnMjhCNzhiN0VNUkVraU94NnVVeW84R2lMMzR4dVdQNWR5YVREV3BnZQ?oc=5) · Lebanese Examiner
- 2017-05-18 [A Lebanese Banker Is Buying A Bank In The United States - The961](https://news.google.com/rss/articles/CBMiXkFVX3lxTFBZNTMyT2VRQldUTEdKOGtJVUdYNDJJVDZNamcxcGNXT0FURFBQM0owdGhhOHpzdTVhUjZKM193LXYzeWlVa3NiRkRpcVRGOW1VYjhRV0tVMGgwR2pkVEE?oc=5) · The961
- 2017-05-16 [Antoun Sehnaoui and SGBL expand in U.S. and UAE. Two banks to be added to the group - Businessnews.com.lb](https://news.google.com/rss/articles/CBMie0FVX3lxTE1DUzY5UXNUa0pUUnU5Q3oxLUNvVlhFclFlUTZkbWVLUWlWTzcwaFV1YTRqelNPcnRXNDBsTldkMVZoTktsUHVxYTZpbnBLQUJaWlkxeVNJamNTUk1RSE1aZlhmdUpjOXZXYS05S2drVnpJaWUtTGthdUI4OA?oc=5) · Businessnews.com.lb
- 2011-11-28 [Scott Stanec Obituary - Colorado Springs, CO - Dignity Memorial](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOai1WVHBvU003TDRKQlJoWFphb2Q0MHdleUtud3BKVzAtWVUtQktLZllaZTRhSDRRSEE5WV9HQUszMHdaYmF3bHhHMkxnYlJoYVNPMVIxWkt4c3duM25STjBYSDlWd2lPejJfOW94NEd3UmpOYTVzRjY0V3RkUGliRl9oSDFma2tVNW5Z?oc=5) · Dignity Memorial
- 2022-05-27 [Territory Days returns to Old Colorado City this weekend - KOAA News 5](https://news.google.com/rss/articles/CBMiswFBVV95cUxPemI0TEoxSGVpSTNoTUY5Zzh3Wm9leGRqakJnREM5akZXYjUySHZDb1pWWmZDTy1BOHV2ajg5eDZVb3pPNk4yNHN4cGozS3JOdHRVWnNubm1rVk9pdlJ4R2htUzd5ZlVrN2Y5cVhDTFF0UkxjTENZaHhpM1NmUzlzYlhVLXhaakxFd2tFZ3VXRmEtT3FxZW1Zb0RVZjdEX2JwUmhEQlRzaFBIZEdKcHlpMTAyMA?oc=5) · KOAA News 5

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17782 (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/54.json (key "17782", 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