# LOS ALAMOS NATIONAL BANK
LOS ALAMOS, NM · FDIC certificate 18799 · asset band $1-10B · latest filing 2018-12 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. 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 | $1.25B | |
| Deposits | $1.09B | |
| Loans and leases | $717.4M | |
| Total equity | $133.8M | |
| Loans / deposits | 64.82% (p10 of band) | 90.82% |
| Liquid assets / assets | 36.26% (p88 of band) | |
| Uninsured deposits / deposits | 9.45% (p8 of band) | 26.64% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.11% (p16 of band) | |
| FHLB advances / assets | 1.11% | |
| Tier 1 leverage | 11.17% (p71 of band) | 10.20% |
| Unrealized securities loss / equity | -6.80% (p9 of band) | -1.95% |
| AOCI / equity | -3.07% (p7 of band) | |
| ROA (annualized) | 1.07% (p38 of band) | 1.20% |
| Net interest margin | 3.63% (p48 of band) | 3.66% |
| Efficiency ratio | 70.44% (p80 of band) | |
| Noncurrent loans | 2.41% (p95 of band) | 0.47% |
| Net charge-offs (annualized) | 0.22% (p90 of band) | |
| Reserve coverage of noncurrent | 55.04% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 57.11% (p64 of band) | |
| Auto loans | $912,000 (0.13% of loans; DQ 0.44%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p37 of band) | |
| Deposits YoY | -4.5% | |
| Employees | 203 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | losing money, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 2 |  | losing money |
| 2011-12 | 4 | losing money, charge-offs p90 |  |
| 2012-03 | 2 |  | losing money, charge-offs p90 |
| 2012-06 | 3 | charge-offs p90 |  |
| 2012-09 | 1 |  | construction >100% equity, charge-offs p90 |
| 2012-12 | 4 | losing money, charge-offs p90, construction >100% equity |  |
| 2013-03 | 2 |  | losing money, construction >100% equity |
| 2013-06 | 3 | noncurrent p90 |  |
| 2013-09 | 3 |  |  |
| 2013-12 | 3 | capital falling | charge-offs p90 |
| 2014-03 | 6 | losing money, expense ratio p90, charge-offs p90 |  |
| 2014-06 | 5 |  | capital falling |
| 2014-09 | 4 |  | losing money |
| 2014-12 | 7 | losing money, deposits shrinking, assets shrinking |  |
| 2015-03 | 5 |  | losing money, deposits shrinking |
| 2015-06 | 3 |  | charge-offs p90, assets shrinking |
| 2015-09 | 4 | charge-offs p90 |  |
| 2015-12 | 4 |  |  |
| 2016-03 | 3 |  | charge-offs p90 |
| 2016-06 | 3 |  |  |
| 2016-09 | 4 | uninsured deposits leaving |  |
| 2016-12 | 5 | charge-offs p90 |  |
| 2017-03 | 5 | deposits shrinking, assets shrinking | reserve under noncurrent, charge-offs p90 |
| 2017-06 | 5 | losing money | noncurrent p90 |
| 2017-09 | 6 | noncurrent p90, reserve under noncurrent | uninsured deposits leaving |
| 2017-12 | 6 |  |  |
| 2018-03 | 4 | charge-offs p90 | expense ratio p90, assets shrinking, losing money |
| 2018-06 | 1 |  | deposits shrinking, noncurrent p90, reserve under noncurrent |
| 2018-09 | 3 | deposits shrinking, assets shrinking |  |
| 2018-12 | 2 | noncurrent p90, reserve under noncurrent | charge-offs p90, deposits shrinking, assets shrinking |

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

- 2025-10-22 [Enterprise Bank & Trust And Los Alamos Historical Society: A Legacy Of Community And Preservation - Los Alamos Reporter](https://news.google.com/rss/articles/CBMi0gFBVV95cUxQd0MtelZMMU9TeGF1MEF6d0swRWhkQzFmYno2YXNNUzRNT2ZSQTZ2YTZVb2dibVU3YlBhaU9NeklrNGs4akRuVDdfRW10bGNfaEUyWGJldm5ZaHZMUTRYR19nbDhpNEpFVlQ5X01BZFlDUWg4NVJ6ZlgyMm5RTXZXeHI1Q3VISTFpbTlOcWFGc01qS2piQnhkNXo4b01paU1SQzlLSXFROHNwOTVEOURQb3B1U2did0VuUk56SkdaNHgzWkkwQThOUXluU1o2dkFXY0E?oc=5) · Los Alamos Reporter
- 2010-07-12 [Los Alamos National Bank - National Institute of Standards and Technology (.gov)](https://news.google.com/rss/articles/CBMiZEFVX3lxTE1xem4yT0ZvX04wbDc1UEszWWRWQVBFUGpJcGJrNXFtcm1nbVZTNkhmYVJRQi0yY0pDbnF1cWNXdi1xQjk3bHJDSGlsaG5zdzAtNDlqZlRFRzRQT0dnNzBZb05EQjc?oc=5) · National Institute of Standards and Technology (.gov)
- 2017-10-13 [Los Alamos National Bank CEO announces layoffs - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOay0xVFVHOE9Cdll2VUEwcDJFMDJkc0QwT2xYeGhRY2F5ejY3UU8tUHhVcWpWMXNVT29IMlNrTGt1cXZFWm9FTlA1eEdsNmFWWFA3bm5jVVN2MzNkUlNWLVpibkNhbzExSW1pTGZDOE9CcVFPMUNINnpidUtuaHdjVmU2VkduZU1TUDdRYVo0a2liWUxnSXFxU2tHM0F3dTlTNHdscjdwY1FfWUE?oc=5) · The Business Journals
- 2025-01-16 [Enterprise Bank & Trust’s Liddie Martinez Of Los Alamos Named Among 2025 Women Of Influence In New Mexico - ladailypost.com](https://news.google.com/rss/articles/CBMi0wFBVV95cUxOa21wckE4Smg0QWhlRHdqenYtSWRDMGI1NlpQbEx3VXpQN1VLc2lWZVlwRTd0R1U2NVRmUXJBZkE0UTQ1ajR4eVpfTGRkQnhxSFV2a1ZidFVyV1pxNm5tdDVTSENFaXBCRE1XY3RtbDhwUUtaZjlJRnlQNEltTnJlZ1lTbmI5WDRkVWZ2VGVLOGp1Ym1obUw0cWUyUExNVGZiTS1XbFB3NzVjZTRBZmQ4SjltWGpTNy1BY0xzaVFaeF9tVThoOGYtUUhDcVpFbEpROGRN?oc=5) · ladailypost.com
- 2018-04-24 [Los Alamos National Bank Announces Official Partnership With the Albuquerque Isotopes - newswire.com](https://news.google.com/rss/articles/CBMipgFBVV95cUxQRHlfcHp5U3RiZTBsQ015dEZvejVnYWZDZTNRQVFiTnUwYlJSV2pzTEV1aDU3Y2lZMU9JemlmbEdRM0VKcEJtTEtOcEx5bWdQcWN2T3ZLbk1UTWtmVldTWUJtRTJRaGhHcElzbHREdVI1WVl1TmF1U2oycm9pb2xNMzd0cEF1TWpiNTJvM2NhcVpkZlU0ampfRjRSOVhJc3h6MmtKSGR3?oc=5) · newswire.com
- 2015-09-29 [Los Alamos National Bank, former exec settle SEC fraud case for $1.5M - Santa Fe New Mexican](https://news.google.com/rss/articles/CBMi-AFBVV95cUxNcWpvSUdVTTE3SmVRUnZnR1hLd25ydVMzQVJDVWlqcTJ4Yy05UGhrZDRiRGhDTWJTa1BYX182ZW9qWXhaRDQ5dy1XeU5HN0hSbzVYeXN6S29Mckp6XzMyQkJjMElNelhqT1hoV0djb0hPZWZPNG1aSjNhdnpOWTVNS1J4NXBnTzUwcGRlbXV1OUlsZjQ3dEtQdW1aZlI4OTA1Q2VzVTd5YUR4NW85Si1LdFRYRGxjVkZJYlZRMk1kWVQxaVNVOWtBaHVNWTBQQllSQmpVUWRqbVJNLXdjQ0lZbEJLcWZUcDVJLUJmZ01QYUlGNlBVeC1LWQ?oc=5) · Santa Fe New Mexican
- 2016-06-21 [Guardian Mortgage Partners With First National Bank of Santa Fe - National Mortgage Professional](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOb3MwNXdoUFdfcFBxWlNHTUZ2WVFXTVlUSHV6MkdLeFdaMEpQQTM5TXQ4TW5nX3BVRE1SUmhKdHNFOENUVlFGVDhRZEV5Rkh4WE9BX1dHQWo3OWhWWGpnc3l1TW9ORGxqWmk2TmZVYjhGNHFNeFlkaTFZblhKZXg2N3Y2MWZremRQUDlLb1dEUEFkX095eVBSZFRoRnhaMlR3dll1Nm5ndjZFZWM?oc=5) · National Mortgage Professional
- 2017-11-21 [FBI searching for man who robbed White Rock bank at gunpoint - KOAT](https://news.google.com/rss/articles/CBMinwFBVV95cUxNMWJYUktBWV9yQ0JuX1NGVktxVGF4MmVlcEtBak1vMTBLdjFtWVBQY0c0RlBTcHdkZUJBWW1uYTR0Z3VIOUZtcjVWMHRfMDE3NVBkc3FQdzFPejFYQ2FBV1NWaE5STUlIU2pJOHN6QVV6SjRXNTM0TlREQk9PWWhQdll3QmE3WThpTUFkbzNFMk9xR3g3bWtST3VtWEhlMjA?oc=5) · KOAT

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=18799 (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/47.json (key "18799", 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