# BANKERS BANK OF THE WEST
DENVER, CO · FDIC certificate 23210 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 5 (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 | $433.6M | |
| Deposits | $249.5M | |
| Loans and leases | $337.2M | |
| Total equity | $57.6M | |
| Loans / deposits | 132.81% (p99 of band) | 82.04% |
| Liquid assets / assets | 15.60% (p18 of band) | |
| Uninsured deposits / deposits | 46.28% (p93 of band) | 25.97% |
| Brokered deposits | 4.27% | |
| Wholesale funding | 31.05% (p98 of band) | |
| FHLB advances / assets | 1.43% | |
| Tier 1 leverage | 14.37% (p86 of band) | 10.81% |
| Unrealized securities loss / equity | -2.57% (p75 of band) | -8.10% |
| AOCI / equity | -0.08% (p67 of band) | |
| ROA (annualized) | 0.81% (p22 of band) | 1.28% |
| Net interest margin | 3.67% (p36 of band) | 3.91% |
| Efficiency ratio | 83.30% (p91 of band) | |
| Noncurrent loans | 1.03% (p73 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p29 of band) | |
| Reserve coverage of noncurrent | 166.53% | |
| Real estate % of loans | 68% | |
| Construction % of loans | 116.33% (p91 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $27.1M (47% of equity) (p99 of band) | |
| Deposits YoY | -7.4% | |
| Employees | 53 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **wholesale funding >15%** (`liq_wholesale`)
- **expense ratio p90** (`earn_efficiency`)
- **construction >100% equity** (`conc_construction`)
- **deposits shrinking** (`shrink_deposits`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | brokered >10%, wholesale funding >15%, noncurrent p90, reserve under noncurrent, loans-to-lenders >50% equity |  |
| 2011-06 | 4 |  | wholesale funding >15% |
| 2011-09 | 4 |  |  |
| 2011-12 | 5 | capital falling, charge-offs p90 | loans-to-lenders >50% equity |
| 2012-03 | 4 | NIM <2.5% | noncurrent p90, charge-offs p90 |
| 2012-06 | 5 | noncurrent p90, deposits shrinking, assets shrinking | brokered >10%, capital falling |
| 2012-09 | 3 | brokered >10% | noncurrent p90, deposits shrinking, assets shrinking |
| 2012-12 | 4 | wholesale funding >15%, loans-to-lenders >50% equity | reserve under noncurrent |
| 2013-03 | 5 | deposits shrinking, assets shrinking | wholesale funding >15% |
| 2013-06 | 4 |  | assets shrinking |
| 2013-09 | 3 |  | brokered >10% |
| 2013-12 | 4 | assets shrinking |  |
| 2014-03 | 1 |  | NIM <2.5%, deposits shrinking, assets shrinking |
| 2014-06 | 2 | deposits shrinking, assets shrinking | loans-to-lenders >50% equity |
| 2014-09 | 0 |  | deposits shrinking, assets shrinking |
| 2014-12 | 1 | brokered >10% |  |
| 2015-03 | 2 | capital falling |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 3 | uninsured deposits leaving |  |
| 2015-12 | 3 | noncurrent p90, reserve under noncurrent | capital falling, uninsured deposits leaving |
| 2016-03 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving | noncurrent p90, reserve under noncurrent |
| 2016-06 | 3 |  | uninsured deposits leaving |
| 2016-09 | 4 | wholesale funding >15% |  |
| 2016-12 | 4 | uninsured deposits leaving | assets shrinking |
| 2017-03 | 4 |  |  |
| 2017-06 | 3 |  | uninsured deposits leaving |
| 2017-09 | 3 | capital falling | deposits shrinking |
| 2017-12 | 5 | noncurrent p90, reserve under noncurrent |  |
| 2018-03 | 4 | charge-offs p90 | noncurrent p90, reserve under noncurrent |
| 2018-06 | 3 |  | capital falling |
| 2018-09 | 4 | deposits shrinking |  |
| 2018-12 | 5 | loans exceed deposits |  |
| 2019-03 | 2 |  | charge-offs p90, deposits shrinking, loans exceed deposits |
| 2019-06 | 1 |  | brokered >10% |
| 2019-09 | 2 | brokered >10% |  |
| 2019-12 | 2 | capital falling | brokered >10% |
| 2020-03 | 2 |  |  |
| 2020-06 | 3 | uninsured deposits >50% |  |
| 2020-09 | 2 |  | capital falling |
| 2020-12 | 2 |  |  |
| 2021-03 | 5 | capital falling, expense ratio p90, NIM <2.5% |  |
| 2021-06 | 5 | deposits shrinking | capital falling |
| 2021-09 | 5 | assets shrinking | NIM <2.5% |
| 2021-12 | 4 |  | expense ratio p90 |
| 2022-03 | 5 | capital falling |  |
| 2022-06 | 7 | loans exceed deposits, construction >100% equity, uninsured deposits leaving | capital falling |
| 2022-09 | 6 |  | assets shrinking |
| 2022-12 | 5 | brokered >10% | uninsured deposits >50%, deposits shrinking |
| 2023-03 | 7 | deposits shrinking, assets shrinking |  |
| 2023-06 | 6 | expense ratio p90 | deposits shrinking, assets shrinking |
| 2023-09 | 5 |  | construction >100% equity |
| 2023-12 | 5 | assets shrinking | uninsured deposits leaving |
| 2024-03 | 2 |  | loans exceed deposits, expense ratio p90, assets shrinking |
| 2024-06 | 3 | loans exceed deposits |  |
| 2024-09 | 6 | capital falling, deposits shrinking, uninsured deposits leaving |  |
| 2024-12 | 4 | construction >100% equity | capital falling, deposits shrinking, uninsured deposits leaving |
| 2025-03 | 6 | deposits shrinking, uninsured deposits leaving |  |
| 2025-06 | 4 |  | deposits shrinking, uninsured deposits leaving |
| 2025-09 | 5 | capital falling |  |
| 2025-12 | 5 | expense ratio p90, deposits shrinking | brokered >10%, capital falling |
| 2026-03 | 5 |  |  |
| 2026-06 | 5 |  |  |

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

- 2022-08-18 [Bailout List: Banks, Auto Companies, and More | Eye on the Bailout - ProPublica](https://news.google.com/rss/articles/CBMiV0FVX3lxTE9yUjlLUHlRTkFPekMwR3J1MXFxS2o0OWc3cTFybnY2U1ZhZ1BkTVRweEE5bXJuWnVSTTRxWk1malZlQ2dPUVpHSTk0OTZfNUg3aGpUVVJrbw?oc=5) · ProPublica
- 2023-07-20 [The Federal Reserve announces that its new system for instant payments, the FedNow® Service, is now live - Business Wire](https://news.google.com/rss/articles/CBMi7wFBVV95cUxNMzdiVWJBMGwtMjl1ZjV4UmdtMlI0cU5jZ2oxMVV6QUZyRlBDZzdVSVpZaGxrb3hGb3dNZTllQUotOWVqNUREQTFGVUVZYmNpUXRJeFR6SWdQekRSSVRXZHpiZlQ2SUhuQUI0czZiZnMxcTZmd2J5Rk1Qc0ZZT291QjU0aGZuODdYV05XUl9LMFIxUUhFLWJfNE1ZSVJCX3h2WklLU0xVWEwyTWdEXzBlRXNtblhqZ1ZnMGkwZDgySktLeUY0Wmk1amt3NE8tbURTNkwzQW5TZGN0VS1TU09aUFpJaGRYWHFUZDdRN1lRWQ?oc=5) · Business Wire
- 2024-07-22 [These are Denver's strongest banks - The Business Journals](https://news.google.com/rss/articles/CBMijAFBVV95cUxQUVBWTFV1OVNVWHByd1BaVjdXV1RadFR1RlVLUWQxdHJmMndFZVN2eXpZSzFWRzdGOEhOZlNrWnZkZ2pWenFBWDMyMUcxdXlOTnBBU25FT3hHMzJNNFg5ZU1BaTlRaXloeHZrbGJNaEduOHl4ejh2NUwyLWtMSnJKbDdTVmZIUXJLcG84Wg?oc=5) · The Business Journals
- 2016-06-22 [e10vk - SEC.gov](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQQXk5UVEtV3RpM3k3dktJTldJblBCcTJNWHN6ODE3enZoX3RINUxDemtNbjViQUhHblMyTXp6MzdjZVRsdVYtVmhweGY3SDV2b1piemZOYkJsbWRDMjJBQXJ5VnNpOHU0Qm1SMW1sMXRFX1NXR3h3S3lqd0d1VTE0bk5PZTZIdEFJ?oc=5) · SEC.gov
- 2019-01-31 [James Williams Obituary - Pueblo, CO - Dignity Memorial](https://news.google.com/rss/articles/CBMigAFBVV95cUxOdC01STZaVzhCSU5BVVNhbVF2cnRiVFF2MVFNS2ptMF9qTmtHTmNfRElza2FpVFlkQk9maEFUZzktbHZYX1ZEWndCMTB0RjhVYlpRci1GME0wR19fcHZDSm8wclBHRndhT1lBYmZ4UE1tXzZPRmNJMVNDcGRBNVJiRQ?oc=5) · Dignity Memorial
- 2019-01-08 [KBS Signs 385K SF at Denver’s Granite Tower - Connect CRE](https://news.google.com/rss/articles/CBMihAFBVV95cUxPMVlFV29zOWlWQ0ZpR25xd0wxSWdEaXlPN3NYYW9iRlJYZk9hdWN3VlFEdlQ0Z3VxY280bmgwZ0Fic2J0SjFWSHZNbnctV19sU0dHd0pvQlpKanNweVpyVVA4andhaDZMT3F5djk1ZmFIVlc1aEwwSzJLbExrYVkyMWRsYkQ?oc=5) · Connect CRE
- 2011-11-04 [Bailout Tracker - ProPublica](https://news.google.com/rss/articles/CBMiYEFVX3lxTE9WRVU5S0txR3VSdlY5QlVQdmdtVTNNdXE0bWZXZnBWT0tuaUx2VFg3Y0FReEZEZnRVV0hDNldzN0puTUpWd3pVcU83V2JYMkdodHRoNTluX2VpMk1ucUtTbQ?oc=5) · ProPublica
- 2008-10-01 [Charles Ferguson Obituary (2008) - Denver, CO - Denver Post - legacy.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxQRGNZTmNDMkFWR1gzZVg1bmRjMzVfRTU3cE03R2pzOEZmeUk5RUk2OXp1WFFJYkxQbTJsejduYW9qX1YwM3FtUURIQm1BbFVwRkhSdkRIaHFuNUQ1Z0VwQ2ZWUktUcm5TQ3ExTlo1UTF4MHFkbG9iTXJWSHF0eEZOZXpZcU9GaWZ3dTdXUXMzcWp3RlBW?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=23210 (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/42.json (key "23210", 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