# CANON NATIONAL BANK
CANON CITY, CO · FDIC certificate 21801 · asset band <$300M · latest filing 2015-09 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $260.0M | |
| Deposits | $231.6M | |
| Loans and leases | $162.7M | |
| Total equity | $27.2M | |
| Loans / deposits | 68.87% (p42 of band) | 73.61% |
| Liquid assets / assets | 35.13% (p56 of band) | |
| Uninsured deposits / deposits | 16.23% (p61 of band) | 13.65% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p17 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.57% (p48 of band) | 10.70% |
| Unrealized securities loss / equity | 2.54% (p74 of band) | 0.86% |
| AOCI / equity | -0.50% (p14 of band) | |
| ROA (annualized) | 1.01% (p61 of band) | 0.84% |
| Net interest margin | 4.44% (p87 of band) | 3.64% |
| Efficiency ratio | 69.33% (p42 of band) | |
| Noncurrent loans | 0.10% (p22 of band) | 0.69% |
| Net charge-offs (annualized) | -0.10% (p4 of band) | |
| Reserve coverage of noncurrent | 1932.10% | |
| Real estate % of loans | 90% | |
| Construction % of loans | 27.27% (p66 of band) | |
| Auto loans | $90,000 (0.06% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 1.5% | |
| Employees | 82 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | losing money, expense ratio p90, reserve under noncurrent |  |
| 2011-06 | 1 |  | losing money, expense ratio p90 |
| 2011-09 | 0 |  | reserve under noncurrent |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |

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

- 2016-07-28 [Sunflower Bank will combine with regional banks in Texas, New Mexico - Pueblo Chieftain](https://news.google.com/rss/articles/CBMinAFBVV95cUxOaVk0WEdaN2lOdkpkamRtdVlRbXl6c3JzMm9LRmFVbXVVcXZqNGY5NGc2M3VvSHdfVk1OMDNRdWl1ejNMUXJaeXFtT2hxSnVrenBtVW4xZ0RrcmUzWENPSlZ2S05KaVJENG53MU42eGpoVjhYSmhOUURZSVJZWkhIenllNEh0czIwWGNNY1poSlhuTXBreW5yRTNiMDA?oc=5) · Pueblo Chieftain
- 2018-05-31 [Banking on Pueblo West - Pueblo Chieftain](https://news.google.com/rss/articles/CBMijwFBVV95cUxON0sxU0dsX21BZHk2X0VabW5pTEMxZ0FpOEYzRE5LVUd0V0ZYYWhZQl9nSTVXdGxJN2ZTb1AzcHJXTGhybEZlOV9kRU81ZzJVLWc3N2t3Q0pkWllSLW1wWENzQzd6WVAzUlZUY19veUxNR0xIM0FTSW1Oa25XUG5mLTVLOTlzRmg2OVJaQ04xMA?oc=5) · Pueblo Chieftain
- 2016-02-24 [Thomas Kellough Obituary (1939 - 2016) - Canon City, CO - The Canon City Daily Record - legacy.com](https://news.google.com/rss/articles/CBMioAFBVV95cUxPUFNldTUxSXkzS1ZVd29UYlMwNlluRFo1QXVVcjJjWTJtaGN2WGFBOUhqcWZCQUtGbGVqMlMzRFQ3NjRJU3NLM25MWUI5MEZnSmRYX1EtX2RLS0ttUFo1OU1yUmo1Y0twcjhSZXpkenBibklXTW5YaHIzQ3FyRjRzVUllU3JoZGpSZUdLd1pvRlUtUkdWNlVsdnQyNVBrYWhh?oc=5) · legacy.com
- 2024-06-08 [Brandon Atencio Obituary - Canon City, CO (1986-2014) - Canon City Daily Record](https://news.google.com/rss/articles/CBMihAFBVV95cUxNdndnMTV5Tlp1VmU1eGNKYkJuRlJyNHRCM29UWHhZUnBVR2dQMVJFS3dqWjNjakpDeHdCUW04cGE0UTVKUGY4bmpGRUZUak5aMEY3U094TVp3bVBVSnhLRDNBa3NNbVZkOEJBaG51WnpCazZxNlM0VnJEYjNSRDlyYzVIeWs?oc=5) · Canon City Daily Record
- 2012-02-11 [People - Pueblo Chieftain](https://news.google.com/rss/articles/CBMiekFVX3lxTE4yd3M2T3J4enEycUhJaF9qQ01rUzRlZnZaSFEteWtFNUVRT0hMOXFsT3I0VHFHY1R4N0Q5dTFtNF9iaU1OMmVLZkx0aFpndjZZR0YxeFdQZGduRFE3QmhaSUhYMjlRSUJrNFRqTjg3eXZ2M3VJd1JEMmJn?oc=5) · Pueblo Chieftain
- 2014-12-16 [Brandon Atencio Obituary (1986 - 2014) - Canon City, CO - The Canon City Daily Record - legacy.com](https://news.google.com/rss/articles/CBMioAFBVV95cUxNbkZoMjJ0M3NuLW0ya3ZxUzloSnRJQmJ3WlgwWTRWRHBTeXVrb0dHNWNKVldyUTdzTjE3U1FNdzdXTnhZQmZ3SVpSUWVWZVRiSHYxV25ZeC05U3Z0MkZLc1d3UnJSSmZzdzZXbWY3Y0RYUUJGbUZ6eEJFbmtQMnVSZV9xOGxrMTBBMmhvV1JUYnpzU0JzLXl2NlJaZXhXY0tv?oc=5) · legacy.com
- 2015-01-31 [Business Briefs - Pueblo Chieftain](https://news.google.com/rss/articles/CBMigAFBVV95cUxPREtsU0FQNkstZGdPUjBZdW9NN24xZmNkbmFRcUF0UnFoWE9VbFhWT2RPSXA1VkstaXNZLVBXNzItNVNVSlF2TDRLTVBBaGxrNnMyM0NHT2tQSVphWHpuQnlKTUlHS05MY1pTY1ZQckcyQnFzQlRTRG5kbTJQczZvUA?oc=5) · Pueblo Chieftain
- 2011-07-17 [Champion livestock snapped up at fair sale - Pueblo Chieftain](https://news.google.com/rss/articles/CBMilwFBVV95cUxNUWRMaFNCVnV6bnVFbTRfT2hpSEpfcWVHa3A2TFQ2SENqY05aODBRWWxERUoyajBETk5LOXlVa3FUTDVaLWRJckVoYk5IZjNVLTI2TV9IZ21WWE9XeHQxNGV3S1llVTBqY1JlVWwyZklvYU03b3podHYxTGRYZXNsWEtxejhIa3N3cGdwVXE3MVctX2o1TUpR?oc=5) · Pueblo Chieftain

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=21801 (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/41.json (key "21801", 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