# BANK OF THE WEST
GRAPEVINE, TX · FDIC certificate 26627 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $829.8M | |
| Deposits | $747.1M | |
| Loans and leases | $503.4M | |
| Total equity | $77.1M | |
| Loans / deposits | 66.65% (p20 of band) | 82.04% |
| Liquid assets / assets | 35.90% (p76 of band) | |
| Uninsured deposits / deposits | 52.48% (p96 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.66% (p26 of band) | 10.81% |
| Unrealized securities loss / equity | -2.42% (p76 of band) | -8.10% |
| AOCI / equity | -0.16% (p62 of band) | |
| ROA (annualized) | 1.60% (p70 of band) | 1.28% |
| Net interest margin | 4.29% (p72 of band) | 3.91% |
| Efficiency ratio | 61.94% (p52 of band) | |
| Noncurrent loans | 0.00% (p4 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p39 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 88% | |
| Construction % of loans | 127.43% (p94 of band) | |
| Auto loans | $672,000 (0.13% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $17.5M (23% of equity) (p98 of band) | |
| Deposits YoY | 8.8% | |
| Employees | 121 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | capital falling |  |
| 2013-03 | 0 |  | capital falling |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | capital falling |  |
| 2014-03 | 0 |  | capital falling |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | capital falling |  |
| 2014-12 | 0 |  | capital falling |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 2 | capital falling, construction >100% equity |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 1 |  | capital falling |
| 2016-06 | 1 | charge-offs p90 | construction >100% equity |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | capital falling |  |
| 2017-03 | 0 |  | charge-offs p90, capital falling |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | capital falling |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | capital falling |  |
| 2018-12 | 0 |  | capital falling |
| 2019-03 | 1 | construction >100% equity |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 0 |  | construction >100% equity |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 | construction >100% equity | capital falling |
| 2022-12 | 1 |  |  |
| 2023-03 | 3 | deposits shrinking, assets shrinking |  |
| 2023-06 | 1 |  | deposits shrinking, assets shrinking |
| 2023-09 | 1 |  |  |
| 2023-12 | 2 | capital falling |  |
| 2024-03 | 1 |  | capital falling |
| 2024-06 | 0 |  | construction >100% equity |
| 2024-09 | 1 | uninsured deposits >50% |  |
| 2024-12 | 2 | construction >100% equity |  |
| 2025-03 | 3 | deposits shrinking |  |
| 2025-06 | 1 |  | uninsured deposits >50%, deposits shrinking |
| 2025-09 | 2 | uninsured deposits >50% |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |
| 2026-06 | 2 |  |  |

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

- 2026-07-14 [5 Things to Know About the Bank of the West Cash Back World Mastercard - NerdWallet](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNeUxHVkY3VTFJWHpqTGtjbDM0UDljQWtHTDNVdzZRN0lsdkJRVlZkN2M4aVk4TVRNUm9QN1NNRm9UWkllWTBCRTFEbkxPekNBWkV6LTNRb3VhU2VmWHlWTTZUTlRXVXJXMTFQVVB5eDJuRzdyQkNlcDBkSzdHMVAyQmxxd1RtNklGS0Yw?oc=5) · NerdWallet
- 2026-02-03 [SW Graduate School of Banking Announces Additions to Its Board of Trustees - Business Wire](https://news.google.com/rss/articles/CBMiywFBVV95cUxOYzAyVHhfVXdmUkZib1VNci02eUtlMlAwOUFLeGVFTERYVjZjXy1fYVNlVXFMX2ZXZU5Zb0RnazU2ZEdYZmpuOGFGQ0dwekdZRWlOQlNrRVBNc25YUFVVdTdWUDBzMkk2OFBVSk9VWlZMOHZXcFl2YkVyY3BmbWdBc0Y1OHVvWUZjNi1iSks1c2x3dE05dkpDMDV6R1BfVFczY3B6Qlp1VG1QMEhJSzZpOTZPZDBRNE5XU1Yxei1ET2pUOWNxRVBCcFI1Yw?oc=5) · Business Wire
- 2022-07-14 [BMO faces community skepticism over Bank of the West deal - American Banker](https://news.google.com/rss/articles/CBMimAFBVV95cUxQMndXNkVyUlBlTXFVVld0cmNwcTNPS2h3RUl0dE1kNTBTRm5scmhSOVdFSm5BR2lSbmpVdWZ5aE1ieVVEU1Y4WnB3RVlzc05DVFFrd25QYXRfa2REZndPNWU4aE1rZnY3Y2dmRmJjd051QW8xNm5rNVg2TGpkTmVKQV9fQ2FKUmhRcllpdTdvNEhYRUdYVHJtTw?oc=5) · American Banker
- 2022-04-13 [Consumers on course to save $1 billion in NSF fees annually, but some banks continue to charge these fees - Consumer Financial Protection Bureau (.gov)](https://news.google.com/rss/articles/CBMi3gFBVV95cUxNeTYyZ1ozZlB3dW1GVlhsbzJkLXpQLTY3ZnRQRWRKcHYwWlFieEtMZTlKYVQ1S3NLanZxZGNSZ01tN0g5Mnkzd2ROd3podW95eXB2YXg1ZjFBZFZKT25jdS0xd0Z3TGhsaWFrRlZzM0toRWhmWTBYQ2NQbmlOaDJPbHFtMFpUcEdJZ2o1UDQwc0dpem9QYllaSFg4Ty03RVFKdVJKUElhRXFvd09IYlU3VE9oYXp3aEd2YUktTHV4bklkQmpBTjZXRG1WSi14dEZEaHMwYXZKWll4TW1LY3c?oc=5) · Consumer Financial Protection Bureau (.gov)
- 2023-02-01 [BMO Completes Bank of the West Acquisition - Connect CRE](https://news.google.com/rss/articles/CBMihAFBVV95cUxPZTB2Yzk3QU9BbWY0YWozalh4UUF4Rktyd0ZiUm8wQWM3T0VDb0ExejkxY0I3aXUyU1NSbVBOcHRlc1VQaFgxMHhjN1ZJa3JmeUpNYWc4UkhlRm9Vc1FRTVRyTHZGWTFraEdYN043aEc2OHFBdDRpNlZJaUpnQVlSMEx5SHY?oc=5) · Connect CRE
- 2022-07-25 [Bank of Montreal Taps North Texas for its Newest Tech Hub - Dallas Innovates](https://news.google.com/rss/articles/CBMijwFBVV95cUxNNjB6SXQzQzRST1NlY25lb0NTQzhQNTlRY2JKZ2VGc090aTlLcHJ2YmRST2o4U011QnRybXFyVldaSlIzTXMyWUNRQUlmS0dPUC1UdEhVWU4zTU9QSDgwUVlNaTJBYUlmVGxxdnNCakYzLW94LUR0MjFQMnpWUmtTV2xmTW11cnM0bEFYdUk3NA?oc=5) · Dallas Innovates
- 2023-02-16 [BMO doubles its KC-area footprint with Bank of the West acquisition - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxOSExVeFptUWdZYzlIY0Q5Vl8yVUZtcTZxMkZVX054dWhZQS1MeGo5NHl3MGpNV1RVYUhyLW5IcVhIb1pEWldVUTZuN0FJZFZ1UEFJM0haQTk1Mks3cHRoSjhPbVV2WlZsOUgwdDNGUm0tUEZUZURGQ0xPbjMtTWlId0EtZXlnMUw3aVRVSmZmOUs5UFV5VUtZT1RNeWQyNWl5YXExWlo3Rk9FZw?oc=5) · The Business Journals
- 2023-02-09 [Bank Of Montreal: Another Great Canadian Bank (NYSE:BMO) - Seeking Alpha](https://news.google.com/rss/articles/CBMijgFBVV95cUxNd25oOTVxeFFRejZKaDYyVGRUR2VUZGlWc2hsQ1FoWlc1VlVuOFdwVHJxeUdmQzRxUFp4eUZlWnJGVjVWQUdYYVlIRHZ1ZkNOYV80TExZZVZQeS1YQmpZaUMzdVA5TXZieDlrekxYZGJKU19BaTlmV09pS1VwblV2bWdjbDd5LUtod2kzLTdB?oc=5) · Seeking Alpha

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=26627 (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/3.json (key "26627", 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