# DEL NORTE BANK
DEL NORTE, CO · FDIC certificate 29066 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. 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 | $155.3M | |
| Deposits | $127.2M | |
| Loans and leases | $126.2M | |
| Total equity | $15.3M | |
| Loans / deposits | 98.12% (p90 of band) | 73.59% |
| Liquid assets / assets | 12.75% (p7 of band) | |
| Uninsured deposits / deposits | 23.56% (p64 of band) | 19.81% |
| Brokered deposits | 5.79% | |
| Wholesale funding | 12.77% (p88 of band) | |
| FHLB advances / assets | 6.98% | |
| Tier 1 leverage | 10.69% (p35 of band) | 11.76% |
| Unrealized securities loss / equity | -12.03% (p35 of band) | -6.57% |
| AOCI / equity | 0.03% (p86 of band) | |
| ROA (annualized) | 1.22% (p53 of band) | 1.17% |
| Net interest margin | 4.87% (p87 of band) | 3.93% |
| Efficiency ratio | 67.83% (p56 of band) | |
| Noncurrent loans | 0.04% (p29 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 2680.77% | |
| Real estate % of loans | 88% | |
| Construction % of loans | 47.28% (p78 of band) | |
| Auto loans | $317,000 (0.25% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 3.4% | |
| Employees | 29 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | loans exceed deposits, liquid assets <10% |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 | reserve under noncurrent | loans exceed deposits |
| 2012-03 | 2 |  |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 0 |  | liquid assets <10%, reserve under noncurrent |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | reserve under noncurrent |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 0 |  | reserve under noncurrent |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 2 | capital falling, reserve under noncurrent |  |
| 2016-03 | 1 |  | capital falling |
| 2016-06 | 0 |  | reserve under noncurrent |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | capital falling |  |
| 2017-09 | 0 |  | capital falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | capital falling |  |
| 2018-09 | 3 | brokered >10%, wholesale funding >15% |  |
| 2018-12 | 2 |  | capital falling |
| 2019-03 | 1 | reserve under noncurrent | brokered >10%, wholesale funding >15% |
| 2019-06 | 0 |  | reserve under noncurrent |
| 2019-09 | 1 | capital falling |  |
| 2019-12 | 0 |  | capital falling |
| 2020-03 | 1 | brokered >10% |  |
| 2020-06 | 1 | reserve under noncurrent | brokered >10% |
| 2020-09 | 1 | capital falling | reserve under noncurrent |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 3 | capital falling, noncurrent p90, reserve under noncurrent |  |
| 2021-12 | 1 |  | capital falling, noncurrent p90 |
| 2022-03 | 0 |  | reserve under noncurrent |
| 2022-06 | 1 | reserve under noncurrent |  |
| 2022-09 | 0 |  | reserve under noncurrent |
| 2022-12 | 0 |  |  |
| 2023-03 | 4 | capital falling, losing money, expense ratio p90, reserve under noncurrent |  |
| 2023-06 | 2 | loans exceed deposits | capital falling, losing money, expense ratio p90 |
| 2023-09 | 2 | noncurrent p90 | loans exceed deposits |
| 2023-12 | 1 |  | noncurrent p90 |
| 2024-03 | 2 | noncurrent p90 |  |
| 2024-06 | 0 |  | reserve under noncurrent, noncurrent p90 |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 1 | wholesale funding >15% |  |
| 2025-06 | 0 |  | wholesale funding >15% |
| 2025-09 | 0 |  |  |
| 2025-12 | 2 | loans exceed deposits, capital falling |  |
| 2026-03 | 2 | reserve under noncurrent | capital falling |
| 2026-06 | 0 |  | loans exceed deposits, reserve under noncurrent |

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

- 2026-09-04 [Del Norte Bank launches Photo Archive Initiative to preserve local history - Alamosa Valley Courier](https://news.google.com/rss/articles/CBMitgFBVV95cUxQbGFjOXR4MURUN2gwUkI4UlV6Rk56czVoMVFnTWF5S1RKWkVMMGpMbFFWTzg5NHdnVC1RSk5URllsZWxwNlRRcG1ZQ1UyODJKeE1lcjdZaHlDTll5TGdlbFU5MHZNSWN4SzRmeUlmTS1wcVpxT1RBaWp6OUhlVnJUYWZncGdQNHExUXQtalluT0podEJjSjhQajdkbGNqb2ZTbXVmcXJLSkhyNEl3NXdTVVpvcTl3Zw?oc=5) · Alamosa Valley Courier
- 2021-03-11 [Del Norte Bank celebrating 100 years of service - mineralcountyminer.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxQZjl4NW1IOTJpcTZ3RHMyZjhCelVaM1V4NmhHRkVUTXZtMmRuY2RsOUV2NC1GQm5qTnVuVndGOEd3UEswZXhTM3NKUVJKbmVQMy1BVWowNHRBR00ySmtjTFM0TGFEbV9nZnJFWEZLeEdKaEtuS0FyOFhZNzFsb3lLc1JWbzdmQ0FOOWl1ak1LVlZZVnNpanJoZUF5M2U?oc=5) · mineralcountyminer.com
- 2025-10-21 [Simpson, Martinez recognized for support of local community banks - alamosacitizen.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxOYnIyUDVMTWZuLU9jVGpTSUQxdEhqckR4Y2dfMVhTUEM1YXo2V0UxUk80My1kUVJaelBOdDZhdGF6VnowYWU3Vm1ySzEtR2JBTzRHeWl6WTl6QWktVUpYNTVIVTdMajhlSUJSWFBLRVNITktrX2QteEtmQkpiR2U4QzRENTZRa2RFMG52RzlYdEdDdHR4MThPTEtNMVQ?oc=5) · alamosacitizen.com
- 2022-10-18 [Rio Grande County: Ila Jolly – Horticulture - Colorado State University News](https://news.google.com/rss/articles/CBMiekFVX3lxTE90SlNtOEpzS2ZkbkhtcFVHSG1INnd5NmJqTWYzUVRLNWpBcFRIN043TUFUT2tNb3JlTGstaEVwQzBFMVljUXhZNzJrb2lTVlRHdnVDT3oxQy1Idk9FWURMLUR6c3hCQzE1Q0IybHpJX0MzQzJ5RE1Tak9B?oc=5) · Colorado State University News
- 2020-05-14 [DCI Promotes Paul Jones to Oversee Bank Core Conversions and Professional Services - PR Newswire](https://news.google.com/rss/articles/CBMi1AFBVV95cUxNZ0hJZnZJRUd4UnFueVZ4Qm1aQjJia1FiTWxLVjRyR013Z2JYNXUyRUJUeXhrRUY0QUhTLWx0U1lpSko5QUIwZjJ6RDFwVjZVZ2xjaW1sQkZVbHl3QVMzRFJzS0l3OXVhR0RvNGNlUUVRMDNEMGN1LXhuWEpKTC12cXRWWlNOQ2psOFI1d1lLbVVvd1BHYUFNQnRCZ2dRRW1zem01YS1LSk1BaWowbDU0N01nOUhmX05ZSVFhamVNR0FESFVmeERydWprOEdHbTBYcmZXcg?oc=5) · PR Newswire
- 2017-05-17 [Businessman showcases entrepreneurial spirit - The Monte Vista Journal](https://news.google.com/rss/articles/CBMilwFBVV95cUxOY3gwRkQybFlTMTRRLTdRdlpNYUZRVHN2VExBUHQ0Wk84T0Q4eU45eFRXNmdGcnh3V1o2MjdOT2NWNVZlN1JvZ0dObi0zRlNqNThFZVVvdlE2NlQwSm9ZTWR6UVRBVzR2cEhtdmFuRjhPdWhFX2p4QmVmeTl1TUpXT1NLVlI0bDVoby1ZUW02SUFCcEp1c1g0?oc=5) · The Monte Vista Journal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=29066 (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/10.json (key "29066", 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