# MANCOS VALLEY BANK
MANCOS, CO · FDIC certificate 19205 · asset band <$300M · latest filing 2015-06 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 (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 | $73.6M | |
| Deposits | $65.7M | |
| Loans and leases | $27.2M | |
| Total equity | $7.8M | |
| Loans / deposits | 39.95% (p10 of band) | 72.67% |
| Liquid assets / assets | 60.05% (p89 of band) | |
| Uninsured deposits / deposits | 9.36% (p31 of band) | 13.36% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p17 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.46% (p48 of band) | 10.53% |
| Unrealized securities loss / equity | 1.21% (p71 of band) | 0.18% |
| AOCI / equity | -0.35% (p42 of band) | |
| ROA (annualized) | 0.64% (p37 of band) | 0.82% |
| Net interest margin | 2.63% (p9 of band) | 3.60% |
| Efficiency ratio | 106.43% (p95 of band) | |
| Noncurrent loans | 2.38% (p83 of band) | 0.74% |
| Net charge-offs (annualized) | -0.35% (p2 of band) | |
| Reserve coverage of noncurrent | 145.51% | |
| Real estate % of loans | 70% | |
| Construction % of loans | 22.19% (p59 of band) | |
| Auto loans | $181,000 (0.67% of loans; DQ 16.02%, NCO -0.03%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 1.2% | |
| Employees | 12 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | charge-offs p90 |  |
| 2012-06 | 2 | deposits shrinking, uninsured deposits leaving | charge-offs p90 |
| 2012-09 | 3 | assets shrinking |  |
| 2012-12 | 4 | reserve under noncurrent |  |
| 2013-03 | 1 |  | deposits shrinking, uninsured deposits leaving, assets shrinking |
| 2013-06 | 2 | noncurrent p90 |  |
| 2013-09 | 3 | deposits shrinking |  |
| 2013-12 | 4 | assets shrinking |  |
| 2014-03 | 4 |  |  |
| 2014-06 | 2 |  | reserve under noncurrent, noncurrent p90 |
| 2014-09 | 0 |  | deposits shrinking, assets shrinking |
| 2014-12 | 1 | noncurrent p90 |  |
| 2015-03 | 0 |  | noncurrent p90 |
| 2015-06 | 1 | expense ratio p90 |  |

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

- 2025-02-04 [The Fiscal Impact of Credit Unions Purchasing Bank Assets - commonsenseinstituteus.org](https://news.google.com/rss/articles/CBMixAFBVV95cUxPbzZ6aHBNZklIRUJXUXN5ZHlmNnlWUkNrZjlQaGJOOTVrVjg5XzBUV3pvcWlxTzFGb3F5bW81YWt6MHp4aGp0ZkVxZms2QVo3T180bW5BdE9kclByQkRYTFJ2ZlluU0pxdHZMbkc5clQ2VE5IcnpVV2FaN041dnlyWk9mbm9iUTZ2dFh2MU9IVGhhMGhnVVVjTlNWMUV2ejdjSkxoNG1KWHVobUhFZm9XN0p3dWt4czFNU3dFZE0xcGdGVEho?oc=5) · commonsenseinstituteus.org
- 2012-04-21 [Colby Ray Kramer Obituary Apr 21, 2012 - Ertel Funeral Home](https://news.google.com/rss/articles/CBMibEFVX3lxTE84d2xhYWhzNWNhR0h5UzNHYTRYM2s2a1d2c01pcEpHM3lCeEdIQ2pXcFdxS09FcHhTY1dPbGw2MmkzT19jdjV2YkcwS09kbjYwQXNpQnFwTGkxQUpCYnhzSU5OQ21NZ0xPNHlTLQ?oc=5) · Ertel Funeral Home
- 2019-11-12 [Colorado has seen 127 bank branches close in 5 years. Here's what that means for business. - The Business Journals](https://news.google.com/rss/articles/CBMimAFBVV95cUxPaXVnWlZFMXBnX21qYVZzdUtBUEIwUjRydTJfblAyV1d1OURqdzl1NHhNYUVETWpRVVdKeFIzbGYwOW1ud2ZnbTBkQ1ZaNXBkc3FlWjhDaFVZSXBWak15dExlc1JmaVRyMF9qZmtGU21NMnE5THVndklTLWhnUkxKa0dUdXV2ZF9YRUlGQVY0SW1yR3FYd3gycw?oc=5) · The Business Journals
- 2026-01-10 [Malcom Cannon Obituary September 21, 2018 - French Funerals & Cremations](https://news.google.com/rss/articles/CBMiZkFVX3lxTE9mTk5YTEJsamREcE92MVhGQjV2MFNDa0ZsYjdtMFdFMDhiaVQzWHdFLWtIM2xrdU42Y2h4b1hNX0hLT04wbUdZVjlybkFlQW1QWE1WRVFDMy1yWl9DbGtEMWFtb012dw?oc=5) · French Funerals &amp; Cremations
- 2015-01-31 [Noland Keith Alexander Obituary Jan 31, 2015 - Ertel Funeral Home](https://news.google.com/rss/articles/CBMidEFVX3lxTE1LcTBGU0xpY3ZHaDJhNTBjczZsVldYS3pieFh0ZDNhLUxHdVZwTlpMUVhsMlhYRWdlbzVBeTU0VVNJUGdpb2U5bl9JUVV0dFg2TDVuQUFodTE5VjdVa3IzN2NqZkFCenIxeG1YdERHX29laE83?oc=5) · Ertel Funeral Home
- 2014-05-07 [Kay Sanders Obituary May 7, 2014 - Ertel Funeral Home](https://news.google.com/rss/articles/CBMiZkFVX3lxTFBUVjZJMjNtZFI2V0NZMFFWSGlVaU53NDNRbW42NTdwU1l1ZVFVemJralhFOTVuQjFZUFJaR25jNGVmTEhzMzRXcVB1UEI4WDhZeTNDYTVrbjk2X28wczVta3VET0Fjdw?oc=5) · Ertel Funeral Home
- 2013-12-15 [Robyn Lyn Robbins Obituary Dec 15, 2013 - Ertel Funeral Home](https://news.google.com/rss/articles/CBMibkFVX3lxTE4ydzJzRkdpS1JiMVNkWmhsYjJYeWZBWllwb21CdUZLY0N3WEFuRFFveTdUblhMQk03QkhMY19KbUw5TXNORmJPRjI2T05LcUVRR3hhZl9ObmdIQmVDYW13R0FZaUM1LTRQYnd4U21n?oc=5) · Ertel Funeral Home
- 2007-01-30 [Raymond David Martinez Obituary Jan 30, 2007 - Ertel Funeral Home](https://news.google.com/rss/articles/CBMidEFVX3lxTE9aa1l1eXdZNUxUWEJjS2FmLWlHSEN5RnpqdHJXYlI3WW5IMjFWMGJaMVdXY1FiRU1VczdaS2hPaXh3dHc4a1pla0NjTWZ6OG5hcm5GWUlOem9iRkxpQkw1b0tXUExtZm9sVzVLZVRoRTgzNS05?oc=5) · Ertel Funeral Home

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=19205 (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/5.json (key "19205", 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