# CAPITAL WEST BANK
LARAMIE, WY · FDIC certificate 19266 · asset band <$300M · latest filing 2014-09 · stopped filing (departed)

**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 | $162.1M | |
| Deposits | $140.5M | |
| Loans and leases | $105.8M | |
| Total equity | $20.0M | |
| Loans / deposits | 74.21% (p55 of band) | 71.36% |
| Liquid assets / assets | 26.81% (p34 of band) | |
| Uninsured deposits / deposits | 20.81% (p79 of band) | 12.72% |
| Brokered deposits | 0.12% | |
| Wholesale funding | 0.96% (p42 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.85% (p68 of band) | 10.52% |
| Unrealized securities loss / equity | 2.01% (p76 of band) | 0.17% |
| AOCI / equity | 2.93% (p69 of band) | |
| ROA (annualized) | 0.89% (p55 of band) | 0.81% |
| Net interest margin | 4.10% (p75 of band) | 3.65% |
| Efficiency ratio | 89.35% (p83 of band) | |
| Noncurrent loans | 0.25% (p26 of band) | 0.86% |
| Net charge-offs (annualized) | 0.04% (p56 of band) | |
| Reserve coverage of noncurrent | 551.49% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 55.06% (p84 of band) | |
| Auto loans | $515,000 (0.49% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -6.1% | |
| Employees | 29 | |

## 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 | 3 | losing money, expense ratio p90, reserve under noncurrent |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 3 |  |  |
| 2011-12 | 4 | capital falling |  |
| 2012-03 | 2 |  | reserve under noncurrent, capital falling |
| 2012-06 | 0 |  | losing money, expense ratio p90 |
| 2012-09 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2012-12 | 2 |  | uninsured deposits leaving |
| 2013-03 | 2 | losing money, expense ratio p90 | deposits shrinking, assets shrinking |
| 2013-06 | 1 |  | losing money |
| 2013-09 | 0 |  | expense ratio p90 |
| 2013-12 | 1 | capital falling |  |
| 2014-03 | 0 |  | capital falling |
| 2014-06 | 0 |  |  |
| 2014-09 | 2 | deposits shrinking, assets shrinking |  |

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

- 2014-05-16 [Denver bank buys out Capital West Bank - The Coloradoan](https://news.google.com/rss/articles/CBMimAFBVV95cUxNRlhTelJfa1NUUVg2a1lqVTl0NFM2aWwwTXVDaU5qWm83TlJxcEloU0Jzb1I3THdDVVY5RnNjbFRhVWFZaTlsRU5mQWdJeW5LY3JvWEtPTXpSWkxYTUVLNzFJNHI5djdMSW1DeUg2R2ZVam5UMVpDN2VYU3BVVTJVZXhLb2E0SmpKM0U4UHY1aTdMRnduajg4MA?oc=5) · The Coloradoan
- 2014-05-13 [ANB Bank To Acquire Capital West Bank - Laramie Live](https://news.google.com/rss/articles/CBMib0FVX3lxTE1PTU9jQTRrUTBvazJUdWJUMnQ1RG1KWUNiamxUem5hSjZ4RzJsQkRLZ3drUmlNUDJ5QWhEX1h3YzVYMzdoNkZ1dG5aZ2xMeGdTdWdpTjVIRy1BV1h1Y28wUXJnNEZGbjlOMWpETjdubw?oc=5) · Laramie Live

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=19266 (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/2.json (key "19266", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide