# ROCK CANYON BANK
PROVO, UT · FDIC certificate 33542 · asset band $300M-1B · latest filing 2022-06 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 3 (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 | $823.2M | |
| Deposits | $738.7M | |
| Loans and leases | $518.0M | |
| Total equity | $77.9M | |
| Loans / deposits | 69.46% (p49 of band) | 70.32% |
| Liquid assets / assets | 35.11% (p54 of band) | |
| Uninsured deposits / deposits | 50.42% (p94 of band) | 27.51% |
| Brokered deposits | 2.18% | |
| Wholesale funding | 2.18% (p53 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.50% (p41 of band) | 9.86% |
| Unrealized securities loss / equity | -0.06% (p97 of band) | -19.94% |
| AOCI / equity | 0.00% (p98 of band) | |
| ROA (annualized) | 1.51% (p84 of band) | 1.00% |
| Net interest margin | 4.17% (p94 of band) | 3.20% |
| Efficiency ratio | 60.32% (p35 of band) | |
| Noncurrent loans | 1.08% (p86 of band) | 0.26% |
| Net charge-offs (annualized) | 0.07% (p90 of band) | |
| Reserve coverage of noncurrent | 88.19% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 104.20% (p83 of band) | |
| Auto loans | $271,000 (0.05% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 9.1% | |
| Employees | 142 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | noncurrent p90, charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 2 |  | noncurrent p90, charge-offs p90 |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 | capital falling | reserve under noncurrent |
| 2012-03 | 0 |  | construction >100% equity, capital falling |
| 2012-06 | 1 | construction >100% equity |  |
| 2012-09 | 0 |  | construction >100% equity |
| 2012-12 | 2 | capital falling, construction >100% equity |  |
| 2013-03 | 1 |  | capital falling |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 2 | capital falling |  |
| 2014-06 | 1 |  | capital falling |
| 2014-09 | 1 |  |  |
| 2014-12 | 2 | capital falling |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 3 | liquid assets <10% |  |
| 2015-09 | 2 |  | liquid assets <10% |
| 2015-12 | 2 |  |  |
| 2016-03 | 1 |  | capital falling |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | liquid assets <10% |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 1 |  | liquid assets <10% |
| 2017-06 | 2 | reserve under noncurrent |  |
| 2017-09 | 3 | capital falling |  |
| 2017-12 | 1 |  | construction >100% equity, reserve under noncurrent |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 1 | construction >100% equity |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 3 | loans exceed deposits, liquid assets <10% |  |
| 2019-06 | 2 |  | liquid assets <10% |
| 2019-09 | 1 |  | loans exceed deposits |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | capital falling |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 0 |  | construction >100% equity, capital falling |
| 2020-12 | 1 | construction >100% equity |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 0 |  | construction >100% equity |
| 2021-09 | 1 | construction >100% equity |  |
| 2021-12 | 1 | uninsured deposits >50% | construction >100% equity |
| 2022-03 | 2 | construction >100% equity |  |
| 2022-06 | 3 | reserve under noncurrent |  |

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

- 2024-03-16 [James Collin Allan Obituary Mar 16, 2024 - Wheeler & Sundberg-Olpin Funeral Homes - wheelermortuaries.com](https://news.google.com/rss/articles/CBMiZ0FVX3lxTFBfMXJlVm1xLXBYMUNqTllsV0JBNk5GWTZCcFFqZkktVEhDMjlSNmpZc20yUnpFNl90cmd5a3hvWHVoM0dPR3ZpbHVfX3NxUG84aFRwQk92M2taV1FQTjlxZ2c1S2xTbEk?oc=5) · wheelermortuaries.com
- 2017-05-23 [Teen killed in car crash days before graduation - ABC4 Utah](https://news.google.com/rss/articles/CBMijgFBVV95cUxQM3hDMnFOaEhpZFN5R01GWFRianpaUTVIU21kaG44X25yQmNjVzlER3NGVlhkaUFiWHlwZERCVHdJdnEzNGxId1lsODdibk5oU0NpR2RrbWNEUVVxYWdfd3VPa1ZTYlJVazRmQ1BSdmUwQ0l3ZTZkcWJtTXNRNmVYbkZpMW1rRWp0alFBT2NR0gGTAUFVX3lxTE5nY2Z2aDhjaE5SOGRiUnZleGNMdU10dkx0elRnajlPOUIxSy02endtM2hHNmdaSDBnVDlWbno4WWN6a0s1Ry1Ra01xa3kxTFRIaGRUVVVVb1FnaE5OYU1jOHJVeXJGdWxIUW9rNUQ0V29ybmloR1A1MUhQbkdYOE9qZ3E3Q0I2SWxFRnl5Q0VxR2ZpTQ?oc=5) · ABC4 Utah
- 2015-05-19 [Kids bored during summer vacation? Here's an idea that's catching on - KSL.com](https://news.google.com/rss/articles/CBMisgFBVV95cUxNOThONWRmYlN6cmJmUVNQTDdFQ0Yxd00wb0w5VVBMUXJMRzRTWkdRT2t1UWNUQ0M0V3hwTzl2ck1hVUtDZFNFSC1LY0xuZzEzTU01aFpjdlhvNExyNUNvako2Y29vanlKUlZYMm5mYmlmRnotRjQtWUJWOFd2RjBLRl9adl9vTUpuanM3My1CU1lnUWpoYThCeW9HdVE2MEl1aTBTQkkyYjZsdVU4MXpVLUl3?oc=5) · KSL.com
- 2015-08-12 [Connie Sumsion Obituary Aug 12, 2015 - Wheeler & Sundberg-Olpin Funeral Homes - wheelermortuaries.com](https://news.google.com/rss/articles/CBMia0FVX3lxTE1hLW5hYVg5WXNPZ3ZfOV9LdGtwSUtweUtlZEcyeVFvcmpnOUpvWjAyN2FJeFEwNXZzRXNMdHdaaVNwTkQ2MGllTm03TVdzUS1kenZiYUpjbFVDdWZyNXpZQzdqT0x2SzBSQk1z?oc=5) · wheelermortuaries.com
- 2015-08-17 [Memorial playground to pay tribute to family killed in plane crash - KSL.com](https://news.google.com/rss/articles/CBMiswFBVV95cUxQek05WWFXSmhpQzk5ZWhPVkQwR3NPMzhMR2wyaExLYlVYTWpDMm9DOVpRd3hQNkwzRlZLVTlnelhjWVF3VGJ3UVUtNGRRQm52ZEttVnFKVjI0c0tBNU5lZ1BXdjA5OTVlUzhqY2dfMTE4LW5QeUp2Z2xqZURrYnExY2tLTmZ1Z2FOTnpaZkpuX0ZUNThqLWJ2cF82Y05lMzJFQTB4ekdfd3BjQ253RWxlbHRKRQ?oc=5) · KSL.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=33542 (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/6.json (key "33542", 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