# STATE BANK OF ARIZONA
LAKE HAVASU CITY, AZ · FDIC certificate 33508 · asset band $300M-1B · latest filing 2019-12 · stopped filing (departed)

**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 | $677.6M | |
| Deposits | $586.8M | |
| Loans and leases | $439.2M | |
| Total equity | $80.0M | |
| Loans / deposits | 74.03% (p27 of band) | 85.34% |
| Liquid assets / assets | 29.60% (p68 of band) | |
| Uninsured deposits / deposits | 17.32% (p29 of band) | 22.41% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.10% (p29 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.81% (p54 of band) | 10.60% |
| Unrealized securities loss / equity | 0.27% (p35 of band) | 0.73% |
| AOCI / equity | 4.47% (p79 of band) | |
| ROA (annualized) | 1.22% (p58 of band) | 1.13% |
| Net interest margin | 4.00% (p67 of band) | 3.74% |
| Efficiency ratio | 62.88% (p41 of band) | |
| Noncurrent loans | 0.40% (p41 of band) | 0.54% |
| Net charge-offs (annualized) | -0.05% (p5 of band) | |
| Reserve coverage of noncurrent | 271.70% | |
| Real estate % of loans | 88% | |
| Construction % of loans | 68.92% (p77 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 5.2% | |
| Employees | 117 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | noncurrent p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 4 | charge-offs p90 |  |
| 2011-12 | 4 |  |  |
| 2012-03 | 5 | assets shrinking, uninsured deposits leaving | noncurrent p90 |
| 2012-06 | 5 | noncurrent p90 | assets shrinking |
| 2012-09 | 2 |  | construction >100% equity, uninsured deposits leaving, noncurrent p90 |
| 2012-12 | 2 | uninsured deposits leaving | charge-offs p90 |
| 2013-03 | 2 | charge-offs p90 | uninsured deposits leaving |
| 2013-06 | 2 | capital falling | charge-offs p90 |
| 2013-09 | 2 | noncurrent p90 | capital falling |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 2 | charge-offs p90 | noncurrent p90 |
| 2014-09 | 2 |  |  |
| 2014-12 | 3 | noncurrent p90 |  |
| 2015-03 | 2 |  | charge-offs p90 |
| 2015-06 | 2 | charge-offs p90 | noncurrent p90 |
| 2015-09 | 2 |  |  |
| 2015-12 | 0 |  | reserve under noncurrent, charge-offs p90 |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | capital falling |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 0 |  | capital falling |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | reserve under noncurrent |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 0 |  | reserve under noncurrent |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |

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

- 2022-11-03 [Foothills Bank Celebrates 25 Years of Community Focused Service - The Business Journals](https://news.google.com/rss/articles/CBMiggFBVV95cUxQSl80c3M2ZzBoaGRMQ1ZuTnd0aEJIWEhjaUZfMDVTVmhGWGVOWXBhY0JVNGhDWXVPNkFxN0hHd2ZJUDBCU3B5SkNka3JFaUxxclhGSXhBNk5Ea2tITEtmV0VRc3h3ZjFxYUZFSkgwN2l6Y19PeElyQ1VsMjVvYXdOOUdR?oc=5) · The Business Journals
- 2019-04-12 [Country Bank of Prescott AZ Kicks Fundraising for the Granite Mountain Hotshots Memorial into High Gear - signalsaz.com](https://news.google.com/rss/articles/CBMi1gFBVV95cUxOYm1YUHUyQVB5a2pXM0dTLVV5U1JwZlhzNW9PVDNlM2NPTEJLQ0QyeDFPRnJLMEVCalhRYnF0SnliQ3g5TWFUSlJUclhaUEVfMWlyaEt1UnpUVVRVQlE3OVd4UE1QNE9Mc1N1VEZTNHBmZW9CcDNrSXp2NTFObDExOXY1V0xYcjd4U0RRSkdZZlp6Tk42NVpGaWhvVUExYnlDZUVNaHFUVjZPaV9jLXBkbnREUWFWWko3Nnk0RlJUMWExb2dFdl9FVDZXcnB5Y0ZuLXdNSWpB?oc=5) · signalsaz.com
- 2019-08-02 [ASU alumna makes big ripples in Lake Havasu City - ASU News](https://news.google.com/rss/articles/CBMilAFBVV95cUxOcnl4WW53anVVZTJ3R3FYalBnZHJLYVpuWkpYaVhUcWxzSlFCRGdraUx6NXJvSjZ3Q3RFa2hLaWZCWWFoSWotRHYyRnRGblJzQ3NudElLWHloTXYyajg4UnNvYUhqRUlhT01tMU5jZEhqaUFhQ3lLNXFzaGUzTjk3ZTVLblhCd2pwUHhzVU9nYXdaZ0Nk?oc=5) · ASU News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=33508 (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/36.json (key "33508", 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