# BANCO DE LA NACION ARGENTINA
BUENOS AIRES,  · FDIC certificate 25927 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. 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 | $710.0M | |
| Deposits | $83.7M | |
| Loans and leases | $60.5M | |
| Total equity | $0 | |
| Loans / deposits | 72.33% (p29 of band) | 82.04% |
| Liquid assets / assets | 90.26% (p100 of band) | |
| Uninsured deposits / deposits | 0.00% (p0 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | – | |
| Tier 1 leverage | 0.00% (p0 of band) | 10.81% |
| Unrealized securities loss / equity | – | -8.10% |
| AOCI / equity | – | |
| ROA (annualized) | 0.00% (p3 of band) | 1.28% |
| Net interest margin | 0.00% (p0 of band) | 3.91% |
| Efficiency ratio | 0.00% (p0 of band) | |
| Noncurrent loans | 0.00% (p4 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p29 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 0% | |
| Construction % of loans | – | |
| Auto loans | $0 (– of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (– of equity) | |
| Deposits YoY | -28.4% | |
| Employees | 0 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **NIM <2.5%** (`earn_nim`)
- **deposits shrinking** (`shrink_deposits`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | leverage <7%, leverage <5%, NIM <2.5% |  |
| 2011-06 | 5 | loans exceed deposits |  |
| 2011-09 | 5 |  |  |
| 2011-12 | 5 |  |  |
| 2012-03 | 6 | deposits shrinking, assets shrinking | loans exceed deposits |
| 2012-06 | 6 | loans exceed deposits | deposits shrinking |
| 2012-09 | 4 |  | assets shrinking, loans exceed deposits |
| 2012-12 | 4 |  |  |
| 2013-03 | 4 |  |  |
| 2013-06 | 5 | loans exceed deposits |  |
| 2013-09 | 5 |  |  |
| 2013-12 | 5 |  |  |
| 2014-03 | 7 | deposits shrinking, assets shrinking |  |
| 2014-06 | 4 |  | loans exceed deposits, deposits shrinking, assets shrinking |
| 2014-09 | 6 | deposits shrinking, assets shrinking |  |
| 2014-12 | 4 |  | deposits shrinking, assets shrinking |
| 2015-03 | 5 | deposits shrinking |  |
| 2015-06 | 6 | loans exceed deposits |  |
| 2015-09 | 6 |  |  |
| 2015-12 | 6 | assets shrinking | loans exceed deposits |
| 2016-03 | 5 |  | deposits shrinking |
| 2016-06 | 5 |  |  |
| 2016-09 | 4 |  | assets shrinking |
| 2016-12 | 4 |  |  |
| 2017-03 | 4 |  |  |
| 2017-06 | 4 |  |  |
| 2017-09 | 4 |  |  |
| 2017-12 | 6 | deposits shrinking, assets shrinking |  |
| 2018-03 | 5 |  | deposits shrinking |
| 2018-06 | 5 |  |  |
| 2018-09 | 6 | deposits shrinking |  |
| 2018-12 | 5 |  | deposits shrinking |
| 2019-03 | 5 |  |  |
| 2019-06 | 4 |  | assets shrinking |
| 2019-09 | 4 |  |  |
| 2019-12 | 4 |  |  |
| 2020-03 | 4 |  |  |
| 2020-06 | 4 |  |  |
| 2020-09 | 6 | deposits shrinking, assets shrinking |  |
| 2020-12 | 6 |  |  |
| 2021-03 | 6 |  |  |
| 2021-06 | 5 |  | assets shrinking |
| 2021-09 | 4 |  | deposits shrinking |
| 2021-12 | 4 |  |  |
| 2022-03 | 4 |  |  |
| 2022-06 | 6 | deposits shrinking, assets shrinking |  |
| 2022-09 | 6 |  |  |
| 2022-12 | 5 |  | assets shrinking |
| 2023-03 | 6 | assets shrinking |  |
| 2023-06 | 6 |  |  |
| 2023-09 | 6 |  |  |
| 2023-12 | 6 |  |  |
| 2024-03 | 5 |  | assets shrinking |
| 2024-06 | 5 |  |  |
| 2024-09 | 5 |  |  |
| 2024-12 | 4 |  | deposits shrinking |
| 2025-03 | 4 |  |  |
| 2025-06 | 4 |  |  |
| 2025-09 | 4 |  |  |
| 2025-12 | 5 | loans exceed deposits |  |
| 2026-03 | 4 |  | loans exceed deposits |
| 2026-06 | 5 | deposits shrinking |  |

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

- 2026-03-24 [Mastercard advances agentic payments in Latin America and the Caribbean with live transactions completed across the region - Mastercard](https://news.google.com/rss/articles/CBMiuAJBVV95cUxQdkI5aU14aEg4Yk1zcmdHMi1NNXdFeU05SEtERmhRLVRqUGJmc1ZiSW5LUEwtd0FNNFZGY2Z5amFuLU9KN2ZWZDZXd0s0Q3RrTVJOVVJKc0k0OVZpeWFZUEhuSDJGVmcyUDlyQlRGcFZHbjFoVFhkV2xnaGlPbTBFNzRlWXFyenJ4MWhSdnlfWGZ5NzVVMXkycnBYQWtuV3c0LUxuUDBOeWZ0Z0dkSllaUTFDZWE3OHREYzlFQ19mZEE2aFNFRHp0RUNlODN4VmVRRG5NWkxNRTZEOUR2ZnFLVXFpVjhPOUxCN1RLV1ZJVmtQX1B2NndpNUVwTjJOY3E0aXQzQ0J5Y3p2U3Fzd2JoNENwcGdIeGpSVzQ3RFRTc0JBanpGMmZSYkJNeV9ib1dCeTBmVnFjREI?oc=5) · Mastercard
- 2026-04-23 [Latin America’s Top 30 Banks - Latinvex](https://news.google.com/rss/articles/CBMiXkFVX3lxTFBQdE9ZaC1tSUFnNk9ES2tLa3JNQU5IdHRiaFpTbFdJLW5yRmhySy1LUS1WMGkxdlJFMkVkMmFpWGxpN3BheU8tbG9KdGFaem9MdzlIY2RRcVRnSGVFWUE?oc=5) · Latinvex
- 2024-10-09 [Banco de la Nación wants to sell debt after a 30-year hiatus - Buenos Aires Times](https://news.google.com/rss/articles/CBMixwFBVV95cUxQbVl4YmxVZTh6RFJ1YnZVSlhTdmlaSXEwTE9RU3ZucU41d0xxUUdBSDZ6QTZuN1VTX0xpN1ZuaEJJN1JCNkRSYmI5b2phMi1YUmhLNElRNXFEYlZ0U0p0SXVGb3l3ZDhuU2haVHpGTnk2cHVkaVZCa2c4OHd2eVpjNXMwWGQzbHkxTFVXMUo2a1lkOXVVaFptQV9tTVF1bjdjYk5SQ19TMjlGbmpfbHdpbng5YThJN0pXdTJ4VmtBQkUyTENUakk40gHMAUFVX3lxTFBwdWFBb2xvSGV6V3FjNVAyWl9FY2hVWnFvM1ZaVW1tWGs4VmFRd2d3S2s0Nkp6Rmx2MzA5UG9IM1hINGhGVExBM3lmMUtNWWUwMW9wRHZGbG1iS0JjQVdDdVR2Vnl0bHhCY24ta1JpVEdMWmhkbHVhOEEtNFlLNkY1clJQanJyZEN2S2ZMZ0VFeUNKdmVMcXl0ekN5MGUtVEZzeVQtZHNqcXdsakU1TVA4WHhZcWVQUGFrdGY5QTNYNV9qWmU4bUU3dWpHeg?oc=5) · Buenos Aires Times
- 2018-12-03 [Export Credit Line for Banco de la Nación Argentina | JBIC Japan Bank for International Cooperation - jbic.go.jp](https://news.google.com/rss/articles/CBMie0FVX3lxTE52N0NCNVBnV0kwTC1TZzgtQ0NxVWZwUlRqcWNsWVFRMDFBZGZDNkUzNWxIRi1HQlI4SDF2RW04LW1oR0F3ZzV6QlhIa0VyVlE3eDcySEZHRW1ScGJfd1hLelcxV1JRNjdjTnN1dm15MlB2WEswaTR0WDZZUQ?oc=5) · jbic.go.jp
- 2025-02-25 [Judge suspends decree converting Banco Nación into a limited company - Buenos Aires Herald](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOV2xjQUZIR3gyWTBYbk9PZ21QN1JDX2wyX1R2SUtpZlhKeGZ1SnlnOU1MeDJMSzRrZWVmdEhrbzRTNmU4Unh5LTJrTzJBaUhwYUVhSFduNWY0dkhXcWJCR250Y1A2bXVreUh1UDdaejZmcURNWGl4VHFUY29rVG0zYnZaR3dWMzZUazlaN1JfUWZaY0tFRzhmdlJnUVZxZWdaaWdwcVlJWVB6X2s?oc=5) · Buenos Aires Herald
- 2025-09-08 [Two Banks Ink Deals at RXR’s 230 Park Avenue - Commercial Observer](https://news.google.com/rss/articles/CBMijAFBVV95cUxNNE1icnZDa1NUd1BxdVVSdk1iSHVoLXIyTTJRR0YzSEd3Ry1KUW83ZThBR1Z5LWRYZnhpUWpCWXhKYzJFX3NGR2N1bTdvcW45dEQ3MWx5QW5zN2NnRzJYY3RrRjVVVnF6SDZtN2tVdDJLZE9wQnRWOS1rVFJfWGFqNlZCTUFyLVNWcS0tOQ?oc=5) · Commercial Observer
- 2023-02-27 [Business blooms in Latin America - Citigroup](https://news.google.com/rss/articles/CBMikgFBVV95cUxQdTNvZ3VtcnBfMXdhZG5BSnptYnNCWmhyYURUV25nT3hFTTZnNTRZSHMteGdVYXB1QVFyRWY2bUo1TUV0TzVQczkyRk1uNTUxUkFVOExJR0pfQ3NOUWtFX2pZZm9zd3Q4TW9XblRFLWhLQkZJZFlHaEpMVmpLWm9HRHVtNm9uM3BkcWpPRDg5ODVzdw?oc=5) · Citigroup
- 2016-07-05 [BNA joins BCIE trade facilitation scheme - Global Trade Review (GTR)](https://news.google.com/rss/articles/CBMihwFBVV95cUxPUUIyOEREU3JiUHpXbVg2VlkwTmtGZkJuaGdGY1NlZ0ExQmZtNEY2eW1BSXl5OG1rRXVlVi1fWTZRSTRHLVdCUTRnVWZVLWJHMThOa0NzM0FyTVVmNnRPUWFaYmE4SmFuNjlYbWFzQmJXSEdWcjN1NU5mWmEzOTVSQzdQZ1U1NDg?oc=5) · Global Trade Review (GTR)

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=25927 (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/7.json (key "25927", 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