# SAN LUIS VALLEY FEDERAL BANK
ALAMOSA, CO · FDIC certificate 28208 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. 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 | $390.2M | |
| Deposits | $317.9M | |
| Loans and leases | $284.2M | |
| Total equity | $66.7M | |
| Loans / deposits | 88.45% (p67 of band) | 82.04% |
| Liquid assets / assets | 21.44% (p37 of band) | |
| Uninsured deposits / deposits | 20.57% (p31 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 17.98% (p95 of band) | 10.81% |
| Unrealized securities loss / equity | -9.13% (p47 of band) | -8.10% |
| AOCI / equity | -0.57% (p38 of band) | |
| ROA (annualized) | 1.13% (p41 of band) | 1.28% |
| Net interest margin | 4.54% (p84 of band) | 3.91% |
| Efficiency ratio | 69.42% (p72 of band) | |
| Noncurrent loans | 0.15% (p28 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p36 of band) | |
| Reserve coverage of noncurrent | 715.24% | |
| Real estate % of loans | 95% | |
| Construction % of loans | 16.87% (p21 of band) | |
| Auto loans | $2.6M (0.91% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 4.3% | |
| Employees | 62 | |

## Flags firing in the latest filing

- none

## Warning timeline

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

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

- 2026-05-28 [Joe Martinez new CEO of SLV Federal Bank - alamosacitizen.com](https://news.google.com/rss/articles/CBMifEFVX3lxTE0wWlRHSElRVVhrY2h2X181UVVaSmdPMDNHQkZSREZCWGtmS1FBX2V0T1pwZ1RaQ04ycXNJazE0VlFISDNrdm50bkQ4LVMzRnBMN0xZYjhNUzNGRmFIcGNrcS11V1J3elhydjAxWk9zdU1kY2FFd3hFNVBkVEo?oc=5) · alamosacitizen.com
- 2026-06-15 [Alamosa cancels July 4 fireworks - alamosacitizen.com](https://news.google.com/rss/articles/CBMickFVX3lxTE4yTWd6b0x1T0RvMncwUXQ0UmZKYm4zNmtEdWptWGNGOG1xeWc4VWZiSHh1cDJjNmxXU3J5RGhtMnV4RjhPWlFwa0IyWjlYaGVOVFZIYUpfU3VPWi1qWFp1UmpwZUpsZUd5YXcyRjhYakktZw?oc=5) · alamosacitizen.com
- 2025-04-10 [Looming cuts to Medicaid would shake entire San Luis Valley health care system — and its economy - Colorado Public Radio](https://news.google.com/rss/articles/CBMihgFBVV95cUxNczEzVW9lbkF6LTREQVF0VWdQVnFMTnE3cWlyN1lkQWFfOUtweU9IQTVaX3lkTGgtd0hiWERQMGl5bEYtQzR2RG1zZzJDUjBNUDBvZ2I5X3FtdENFd25WblJfSk55QnBlbDB3M1ZOS2p6bUR6aVhBWFZMZUxUYmVsMVZoS1V4dw?oc=5) · Colorado Public Radio
- 2026-08-04 [SLV Health Foundation hosts record breaking Bolos & Boots Fundraiser - Alamosa Valley Courier](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQSDlVV2h5QVVLdTV5S2VmMVNxajhHNGtWMms1VW9wZ3NQaVFOT3gyZ3RUaV9tYWtXT3lXa0tLSXZKejl2T1F6dEllVXotSmJ1QmxLWnR5S0NqYmdrb0x5MU95dlhvY0tXRlZSbEtCbVBRZVQ2X3JLNDFUcVlUa0U4REtGeW5GVTVGTVYzemxFN3VQNmFzVzJObk9ZZlU2MDJZZEVhTXZSTXVoak0?oc=5) · Alamosa Valley Courier
- 2025-08-16 [Medicaid cuts could have vast ripple effects in this rural Colorado community - KUNC](https://news.google.com/rss/articles/CBMitAFBVV95cUxPbjlsbjBEdEVWWkxZZUpwMjR0Sm9JeUpkcDBKVEJJRG1MVmhtVVU2VVNqVmptcG1aQl9xV2RSRnRGWFdRZzM2ZDlHa2xYSlktbDBMSHFjTW50ZThuUFo3MUVwMnc1WDlNa1RIRW1lYmZXVkR3cG4xaXF0Z0JHX3Z6TXhuU1VlWmlILTJHRlp0RERFOEZDbjJhRmtqY3lUMV9mVkdmVURwaVV6ZUpHWE5uUXVPbmU?oc=5) · KUNC
- 2019-03-14 [Joe Martinez joins SLV Federal Bank - The Monte Vista Journal](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNTzI5ZUMweVpqUmJkR28tZGsyQy1JT1d2LU9mMWh4aWh1azdBLTlmUWtBbG9pbE51OGxWSFZYWnFrbTNLdHdXSjBhR25HVkNNOHBtVU5tZF9TbExYbVpHUVpid3lIUFlvV25IZ3dwTkl0Y2VQSzYybU5NcWxqdU5rX0JMeFRNa2lZbng4?oc=5) · The Monte Vista Journal
- 2026-08-21 [Creede Repertory Theatre brings one-person comedy to Adams State - Alamosa Valley Courier](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNbjlqOVZweWc5azE2M3piS3dKTnJPRzBlbG9hYUJkOHBreDRkbF82OEo1V19EM05lTlRVRGRMUVJrSjB5T0txN1REX1BQSmlXUGRhV0hCdVFCXzJuVHkzVkJEYlRYdlRIV1B4aC0zQlBiZ09SVmh1cEdQUmwtRXgzUjlHQ2NZUmxDanZQbVNrV3plWmxfTHYxUnpETHcxSWpQT2E1QjhxZ3o?oc=5) · Alamosa Valley Courier
- 2026-06-27 [Celebrate July 4, Valley-style - alamosacitizen.com](https://news.google.com/rss/articles/CBMibkFVX3lxTFBPeWJId3hRM25zcXlQODdmMGYxdzV1S0ljX0ZscUd5RDhfXzFSTEhFREtBeDcwVjBDYWhkekNsNEFuSmlnamNMTWtpYWtkMmZLaTVjT1Z4eTBnd3VoLUF3ZG5NYnZoVmw2aTBpX0ZR?oc=5) · alamosacitizen.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=28208 (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/48.json (key "28208", 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