# MAIN BANK
ALBUQUERQUE, NM · FDIC certificate 22086 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. 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 | $245.2M | |
| Deposits | $211.4M | |
| Loans and leases | $195.2M | |
| Total equity | $28.8M | |
| Loans / deposits | 90.85% (p81 of band) | 73.59% |
| Liquid assets / assets | 17.97% (p17 of band) | |
| Uninsured deposits / deposits | 33.35% (p87 of band) | 19.81% |
| Brokered deposits | 2.04% | |
| Wholesale funding | 3.46% (p66 of band) | |
| FHLB advances / assets | 1.02% | |
| Tier 1 leverage | 11.55% (p47 of band) | 11.76% |
| Unrealized securities loss / equity | -2.09% (p70 of band) | -6.57% |
| AOCI / equity | 0.19% (p91 of band) | |
| ROA (annualized) | 2.10% (p87 of band) | 1.17% |
| Net interest margin | 4.40% (p72 of band) | 3.93% |
| Efficiency ratio | 51.49% (p16 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p20 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 91% | |
| Construction % of loans | 25.27% (p60 of band) | |
| Auto loans | $45,000 (0.02% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 2.9% | |
| Employees | 22 | |

## Flags firing in the latest filing

- none

## Warning timeline

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

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

- 2026-03-19 [Anderson students compete in national community bank case study competition - UNM Newsroom](https://news.google.com/rss/articles/CBMiowFBVV95cUxQZHZIb2F2eU50ZGhySEY0WGdtYUVfdFB0TlBwZ2pXeFFiZ0ZHZXZ6RU9vcnlGbEhvV0d0TlFmWGp0bk9NVXNYcjJqdHE0VnA0aElFMkxHaWlFbGg3cnBRTE5ZU2t3OVZJT2toLVFfRGVhT3ZWYVhVMkxpbldmLU94dVhnMGlNdkstS0Uwb21JU1JERTRBSmxZTlhPX3VUVWZVS2xr?oc=5) · UNM Newsroom
- 2026-02-04 [Contractor buys former WWII landing ship manufacturing facility in downtown Albuquerque - The Business Journals](https://news.google.com/rss/articles/CBMinwFBVV95cUxPUWhWS0kya0FVUEV1RkIyQVpYcW1zZHlkMzcxTTlSLWI0ejhBVnZRX2dST0NEZEFweTE5aHhXeGxaM3VrNm1DX3YydVVqcERENjBwSEo5MjR3M1k5dVFiN3hHcGlRZnRuOGxPSzdZcmQzWVdVRGN6OHVHTjljMFZwRWNBSTYzZlRPTUtVSm1obEZPQmRxQnUta1BlZTd4VTg?oc=5) · The Business Journals
- 2025-06-06 [Eleventh District banks rely on core business, stay profitable as loan growth softens - Federal Reserve Bank of Dallas](https://news.google.com/rss/articles/CBMiYEFVX3lxTE05THRFZU1RcGpqLXM5RzJHVGg4TWVEaWJWNUxLVFNlNVpuTEp0YjJpN1Z2T1gwRVpzb2hMb3VRYkJuMUJGSlMyekxlZDRBZ1Y2SmUzeDI2WGJ3bHROaTRZdw?oc=5) · Federal Reserve Bank of Dallas
- 2025-01-02 [New Mexico Bank and Trust Review: Big APYs for Big Balances - GOBankingRates](https://news.google.com/rss/articles/CBMigwFBVV95cUxPcWdBRnJFZ1RQakE0Um9CMlBXeDJYUGtWaXdMbVFJREdWeHVYd3M4eEZ5LWxoNlFmbHdsRS1VUnMyTExfTm50OS1oNFdoZXhVYUptUmdxdVJBWm00NlRxRHhDTGpOV3VZcVRfYzF3VzJZejQtS1A5c1pMR2RJRURrVlhtaw?oc=5) · GOBankingRates
- 2019-01-16 [Citizens Bank of Weston, WV, has been providing quality service for over 100 years, adapts to change - WV News](https://news.google.com/rss/articles/CBMihwJBVV95cUxQZV9PbGZCQzBaNnZYeDFNZEdXX25Tc1hmTlNubW1TLTlFYjNpTjloNDU0RDVRVldjQjk3VGZMWVUwdTZjX0FEaklTbldYMzhHR09EaWFrbkVsQjhTM201UElSOURWb2ZqRXFpNzR2TGJaczNzT3MzeHVVWVU5SmZseGZ2VUV3Y254TVdOV2NCMHF5Z184ZEF1bHpha194aGUtN2treENsX3hBSzZpZU91VmhpOXVEUGdBOHlsZUwwNFN2Yy1PU01mWkFWQkJVVXhubFVNakgtb1lxNHJ1OVJsVWkwcVBnZHZ1VHpuZXFRNkRfb1k3R0x3YTk3WGZIcXZSVFhucVAxSQ?oc=5) · WV News
- 2021-01-22 [Main Bank's Alan Shettlesworth promoted to CEO - The Business Journals](https://news.google.com/rss/articles/CBMinAFBVV95cUxPYnZpalNhSUdRX2djdHhESWZib29uVnBIMlR5aDJtbU1OUTNwSEd1TllDV3VJc2ZJcTBIS21VU0lYbVFHNWVlOW9vWWM4SEVxTzgzMmRkT25aZUtvRmFEOTlYRkFkMGxmUF9MZmJlV201akFtNWVkcnVrMzF1ekR0TXo4YXIwODFmb0x1eDkyT0ttejg0eTNiUENvNEc?oc=5) · The Business Journals
- 2024-05-15 [Lydia, the French payments app with 8 million users, launches mobile banking app Sumeria - TechCrunch](https://news.google.com/rss/articles/CBMixgFBVV95cUxNbUt1UXU3Y3RqZjFWVFNhWHFLZ29QcnR2YXI0MGhnSEtVYUJTWmVEMGR6WTRocDVGSXR6c2hvSnJpOVlzdFNkMm5hNDVta0RlaU1sZFhqUHJxbXFxNDVkS3RwcmpBOG5QZnBYa2lCRWtvRF9RLW0tYWo1Z2FvdnJBWXZvN3NfbUpmTzBpZ0JRQUxQLVVDVmo3UUV5SFFoLWlQdmVkRFYtMkdTcVQ0RHBmYlV0LWdwY0t5NDdUMzdQMTVseEVmWVE?oc=5) · TechCrunch
- 2026-05-04 [Ally Bank & Ally Invest Bonus Promotions: $100 Referral Bonus, $200 Brokerage, $300 Savings - Best Wallet Hacks](https://news.google.com/rss/articles/CBMiakFVX3lxTE80U0FfekpQVDJtS1J4RUlOSkplVXJhZUZnSjVLODl3WkZ3aTF3QURlSm5DMTR3eDB6b28wV2VkaHl3ZWtBZmxwZG80aENPZDBmTHJ6MmViNUpRV2FxS1gwc2FhalE0V0JlMEE?oc=5) · Best Wallet Hacks

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=22086 (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/6.json (key "22086", 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