# NORTH CASCADES NATIONAL BANK
CHELAN, WA · FDIC certificate 26846 · asset band $300M-1B · latest filing 2013-06 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $329.9M | |
| Deposits | $288.2M | |
| Loans and leases | $212.4M | |
| Total equity | $36.9M | |
| Loans / deposits | 72.53% (p41 of band) | 76.35% |
| Liquid assets / assets | 27.30% (p45 of band) | |
| Uninsured deposits / deposits | 12.05% (p29 of band) | 16.95% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p6 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.76% (p47 of band) | 9.87% |
| Unrealized securities loss / equity | -0.30% (p50 of band) | -0.27% |
| AOCI / equity | -1.17% (p73 of band) | |
| ROA (annualized) | 0.66% (p36 of band) | 0.82% |
| Net interest margin | 3.99% (p76 of band) | 3.54% |
| Efficiency ratio | 74.02% (p62 of band) | |
| Noncurrent loans | 0.38% (p16 of band) | 1.37% |
| Net charge-offs (annualized) | 0.02% (p29 of band) | |
| Reserve coverage of noncurrent | 411.17% | |
| Real estate % of loans | 81% | |
| Construction % of loans | 35.25% (p55 of band) | |
| Auto loans | $388,000 (0.18% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 2.5% | |
| Employees | 87 | |

## Flags firing in the latest filing

- none

## 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 | 1 |  |  |
| 2012-06 | 2 | uninsured deposits leaving |  |
| 2012-09 | 1 |  | uninsured deposits leaving |
| 2012-12 | 2 | capital falling |  |
| 2013-03 | 0 |  | reserve under noncurrent, capital falling |
| 2013-06 | 0 |  |  |

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

- 2020-03-24 [Crater Lake, Mount Rainier, other national park sites close - KTVL](https://news.google.com/rss/articles/CBMijgFBVV95cUxPM0NVOWpuRTk1cV9fYUJ5YUlPaWpwOU5Kb2V3V3JfY2pMNGZzX2lvdWQwODRlQnJxQVc4ZVNkMmNKUzVvVHJiR0U1Y1JqaDAyWFU0UGNmUDJ0T0YxeGtjTU1DV2FlTWpTYUttb3QwR0ZUcG5KS1FqTk9zQ0dYT0VXVC1yRHNzdkptNE1qVEh3?oc=5) · KTVL
- 2017-11-03 [Mountain West Bank announces new CEO - Coeur d'Alene Press](https://news.google.com/rss/articles/CBMigwFBVV95cUxOWWVtd2ZnQTBzb2xNSVlVcHpIUWJvVUMwWFRQcC05RDE4czh1OURiTmlLblo0NzVpWTNpa05QRUNjTWhrRlpvVVBJTkh6LTN3Xzh2cjBHRnVBWDhVV2dGRUtEN0pMRFpTVzRyX2xmYW5jbjhFMFpHZnZBM3JSVzdvSGVQQQ?oc=5) · Coeur d'Alene Press
- 2018-01-29 [Bonnie Jane Polhamus - Columbia Basin Herald](https://news.google.com/rss/articles/CBMifEFVX3lxTFB0VDlMbHdqck5tR1BOXzhLQjhGLUloaU5iU1RPVzFjaWZKZFBWVjRQYmMxenVOZ1BkYXVmMzdXWWhwaVhhYnZtc05zUFBpaGpWUFVDWW5NRDQxQ2IzY3BiRW9HUjM0aFpWVGpDMHdWNlNPNUtUX2hMeXR4WGI?oc=5) · Columbia Basin Herald
- 2025-11-26 [Dinah Corrigan Obituary (1952 - 2025) - Chelan, WA - The Wenatchee World - legacy.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxPV1plSWYwYnVRWGVJMV93RUNkQWhKSWt4bTQxSTZrVnVSOU8xUHIwclVxbXdIbHVhTWo4a2RGd1VRcFVZN2hQcXZPcEZzUjJ3Z2I1RTd0dVhEVnlKUXpsaUZCSUJHckk3TnAzdGxFQm0zWExoOHprQTlSbmNfQmpqU19CUnd6NGtDZ19RdnBJV1VPNVFuSmtF?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=26846 (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/30.json (key "26846", 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