# AURORA BANK FSB
LITTLETON, CO · FDIC certificate 30890 · asset band $300M-1B · latest filing 2013-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 6 (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 | $313.6M | |
| Deposits | $500,000 | |
| Loans and leases | $0 | |
| Total equity | $165.0M | |
| Loans / deposits | 0.00% (p0 of band) | 74.76% |
| Liquid assets / assets | 89.10% (p99 of band) | |
| Uninsured deposits / deposits | 50.00% (p98 of band) | 16.74% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p6 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 52.57% (p100 of band) | 9.77% |
| Unrealized securities loss / equity | 0.00% (p9 of band) | 2.98% |
| AOCI / equity | 0.00% (p82 of band) | |
| ROA (annualized) | -26.51% (p0 of band) | 0.80% |
| Net interest margin | 0.40% (p1 of band) | 3.52% |
| Efficiency ratio | 1099.71% (p100 of band) | |
| Noncurrent loans | 0.00% (p1 of band) | 1.55% |
| Net charge-offs (annualized) | 0.00% (p24 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | – | |
| Construction % of loans | 0.00% (p2 of band) | |
| Auto loans | $0 (– of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -100.0% | |
| Employees | 122 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 6 | brokered >10%, wholesale funding >15%, securities losses >30% of equity, NIM <2.5%, noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 5 |  | securities losses >30% of equity |
| 2011-09 | 7 | losing money, expense ratio p90 |  |
| 2011-12 | 9 | capital falling, securities losses >30% of equity |  |
| 2012-03 | 11 | deposits shrinking, assets shrinking, uninsured deposits leaving | securities losses >30% of equity |
| 2012-06 | 7 |  | brokered >10%, wholesale funding >15%, expense ratio p90, capital falling |
| 2012-09 | 6 |  | uninsured deposits leaving |
| 2012-12 | 4 |  | noncurrent p90, reserve under noncurrent |
| 2013-03 | 6 | expense ratio p90, uninsured deposits leaving |  |

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

- 2012-06-29 [Nationstar Mortgage Closes Servicing Rights Deal With Aurora - National Mortgage Professional](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNUDdXV01VbDR3d2JtYnM0WmY5dDhRbkR4SnlxLVJCMmFZOE5CM0NCb2VXTTRveFBuSUt6ZzVFSWpjcTNXajVMVlRSWGdWYW45a2pBZGRKZDFFQjBhTGlZN1BWemlWcjdrMHFRZmhNekdxSVdrcmdNUVEyZWE0dEZaQlA3ZUROdGJlY3VzcTYxVkFHc2R1cDg3VHdTdFRNZ1V3X3JUR2JpNHBYSW8?oc=5) · National Mortgage Professional
- 2009-10-07 [News | Hubbard Industrial Building Sells for $1M - costar.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxQa01XUGZFZldQcy1KM3JZU3ptWXlFWjFyOFpra1ZjNHV2QVlXUEoyY1ZfRmhSTTE4RzdxUVMxNnJfNzdJOTh4VE1jM0kyVjk0X3BoNUc2bExQcmEyTEtac1J6SDhjRWcyQkRMTDhLS2VEUmlYbXZKN09Xc01KeE9iYXRZbw?oc=5) · costar.com
- 2011-12-15 [Fannie Mae: Chase, PHH Mortgage and U.S. Bank Show Making Servicing Strides - National Mortgage Professional](https://news.google.com/rss/articles/CBMiwAFBVV95cUxPRTJSYlMtdzFVM1BjZ0JadjBjRzBUeS02THBzRHJBYUZtY181bnRESVkzNHVVbjJFWmZsbTRWZGZYQjhRZDU3a1htSm5wRlFQMnFrVHpUTFB1NzRJbGZXMXJsek0zVHE4dXRxTTdEUmhWdUYtZHVFRXR3OTBhQzd3V29DdmQ1a1dsQ3l1T3ZGSWVxU3FwaVF2YW5IQWNlSVdERFJaVktfWnZrOEc4ZWlwUDdOaHVFNGk4OHhhVUlMQUI?oc=5) · National Mortgage Professional
- 2014-04-04 [The rise and fall of Allonhill: A DBJ Special Report - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQdm4wMHFFLWxYeVN6VHJJa1dxa2UwWXhoVTVnbEFSUnlFZVNXSkNoUUVEUmxEZW1EVUZDbndMSjczUThuaGtVbmhWUmhFdGU5TTNmMjlmVnJqVm5ocUxTMkNOWUpmTW5aVzN1T0RWZTE0SU1jZTVzMU5tZ0tTVG0wU3k4VXJkNHFvWUg4WVV2SW5fVFE5UkFWYTRoWVJsR2RTSmFiTWpsQzdZQQ?oc=5) · The Business Journals
- 2016-07-07 [The Inescapable Duty to Prove and Disprove Standing in a Residential Mortgage Foreclosure Action - The Florida Bar](https://news.google.com/rss/articles/CBMi4gFBVV95cUxQMTN4LVZ2Z0lTQlFSVmxfT2VEVmU0Q0Q1WndqcUMyT0I2ck1oQTJqVXY4Q2tfZlU0RzJkd3A4dm9tVEc3SmhSQXBnem02XzBDZ0NUVUN3RWVQSnNFV1RIckxCeEN2YVpSMFVJSUtFNndMWjNUWkdIZGZWWE90WXRmM0Y2SGhIV1NyMGk5cFJzS21pZG5vTU80VjB0WThGQW5zUHlJNlkwQ1dQRGVJUmljSVFGT1UyTVJyZXJaakNodzNYZHRha01MVks4M0RDRXNULUlPemViN0FwMl91bko5VDlR?oc=5) · The Florida Bar
- 2018-07-03 [Daniela Spiridon Honored by Cambridge Who's Who - 24-7 Press Release Newswire](https://news.google.com/rss/articles/CBMiogFBVV95cUxOTVZucldrV3dDMndnMW9ONW9QVnVqQWFsQUxyZlF2b1VHaDJhb0JCN3JvcTNuUUoxekRpelhjUHlwbnhJUUtGSldCTldkbVF5bmt4ZlVSbzlhWkRCZElZYldLZGxiS3lPb3A1ZS0tbjduay1hay1XenRxN2xZNzh0M08yRmgwUUN3NTVELXNtMXlWWjFaZVU5bURiN0NFQVNHT1E?oc=5) · 24-7 Press Release Newswire
- 2019-07-08 [Brian Vieaux Named New President at FinLocker - National Mortgage Professional](https://news.google.com/rss/articles/CBMilAFBVV95cUxQaHVocG5MX1ZHOFNZbEhFblAzZ1E2X2dRNThjM3RxTHdtVW8tLWVvU2UxNG1SVkxMNDY0dDBHLXJrVnNiMjd0YkUxbTFjdUl5QlFJQlIwVzh5RFpXR0tidy01M3dIRVliS1NPbzVETlBvU2VJRDlaT2ExdUhHWWpwbmt2aVozdHpoeUJUSzNBQnJsX0Fa?oc=5) · National Mortgage Professional
- 2026-08-09 [TCD announces interim director - Rural Radio Network](https://news.google.com/rss/articles/CBMickFVX3lxTFBFLWcwc0ZNUVl4eWw1RVByeEhvWWxteloxMGQ3OXZfRzgwWXlBZ1NZLWI0c0U0MzRwTW5WejhIcTBUdjBYTzh1b1ZneXZDZFpxNk1SR3Q4YzZKQXl2TnBoYVRYcHZtVGFUQU0wekR2UEhpUQ?oc=5) · Rural Radio Network

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=30890 (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/42.json (key "30890", 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