# BANK OF THE RIO GRANDE NA
LAS CRUCES, NM · FDIC certificate 26210 · asset band <$300M · latest filing 2013-09 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. 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 | $147.4M | |
| Deposits | $103.4M | |
| Loans and leases | $77.4M | |
| Total equity | $42.8M | |
| Loans / deposits | 74.06% (p59 of band) | 69.26% |
| Liquid assets / assets | 30.23% (p39 of band) | |
| Uninsured deposits / deposits | 25.09% (p89 of band) | 11.87% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 22.21% (p97 of band) | 10.33% |
| Unrealized securities loss / equity | -0.14% (p56 of band) | -0.53% |
| AOCI / equity | -0.12% (p82 of band) | |
| ROA (annualized) | -0.11% (p8 of band) | 0.77% |
| Net interest margin | 5.74% (p99 of band) | 3.62% |
| Efficiency ratio | 90.65% (p84 of band) | |
| Noncurrent loans | 2.62% (p76 of band) | 1.08% |
| Net charge-offs (annualized) | 0.05% (p51 of band) | |
| Reserve coverage of noncurrent | 38.83% | |
| Real estate % of loans | 73% | |
| Construction % of loans | 24.94% (p62 of band) | |
| Auto loans | $1.1M (1.41% of loans; DQ 3.11%, NCO 0.00%) | |
| Loans to nondepository financials | $1.0M (2% of equity) (p97 of band) | |
| Deposits YoY | 11.4% | |
| Employees | 51 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | losing money |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 2 | deposits shrinking | losing money |
| 2013-06 | 2 |  |  |
| 2013-09 | 2 | losing money | deposits shrinking |

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

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=26210 (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/34.json (key "26210", 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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