# MY BANK
BELEN, NM · FDIC certificate 33616 · asset band <$300M · latest filing 2018-09 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $157.1M | |
| Deposits | $136.5M | |
| Loans and leases | $79.3M | |
| Total equity | $19.2M | |
| Loans / deposits | 56.53% (p19 of band) | 78.40% |
| Liquid assets / assets | 44.94% (p78 of band) | |
| Uninsured deposits / deposits | 14.29% (p45 of band) | 15.34% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.10% (p37 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.82% (p68 of band) | 11.34% |
| Unrealized securities loss / equity | -6.88% (p25 of band) | -3.15% |
| AOCI / equity | -2.97% (p34 of band) | |
| ROA (annualized) | 1.12% (p56 of band) | 1.02% |
| Net interest margin | 4.48% (p84 of band) | 3.82% |
| Efficiency ratio | 71.91% (p58 of band) | |
| Noncurrent loans | 1.13% (p68 of band) | 0.57% |
| Net charge-offs (annualized) | 0.00% (p25 of band) | |
| Reserve coverage of noncurrent | 233.63% | |
| Real estate % of loans | 96% | |
| Construction % of loans | 66.35% (p86 of band) | |
| Auto loans | $129,000 (0.16% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -3.5% | |
| Employees | 53 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 3 | noncurrent p90 |  |
| 2011-12 | 1 |  | construction >100% equity, noncurrent p90 |
| 2012-03 | 3 | noncurrent p90, construction >100% equity |  |
| 2012-06 | 3 |  |  |
| 2012-09 | 3 |  |  |
| 2012-12 | 2 |  | noncurrent p90 |
| 2013-03 | 6 | capital falling, losing money, noncurrent p90, charge-offs p90 |  |
| 2013-06 | 3 |  | construction >100% equity, capital falling, losing money |
| 2013-09 | 4 | deposits shrinking, assets shrinking | noncurrent p90 |
| 2013-12 | 1 |  | charge-offs p90, deposits shrinking, assets shrinking |
| 2014-03 | 2 | charge-offs p90 |  |
| 2014-06 | 1 |  | charge-offs p90 |
| 2014-09 | 0 |  | reserve under noncurrent |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2018-06 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2018-09 | 0 |  |  |

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

- 2026-09-07 [Pamela Anderson recalls spending 'everything I had in my bank' to beat fatal diagnosis - UnionLeader.com](https://news.google.com/rss/articles/CBMiiAJBVV95cUxOcVV2VEpNeDY4bDZOYUZONjRTclg0T2hRYUp0cGlhN29OM2wxQzY0Y2xrVnRoeGxia2psbkw2TTVGNDFxYjVrbks3cWVKNUYxVms2Tjl2SUNhSjc2aGwyNkhDMHdqbUVUSF9zVnUybW1DZGNLMU1fQzBFYV9GaDhZa2t5V2RqTjMzSXpjRTFxQkJsc2RBaG92NmxWNmplc1NHT2VQOUhOWlAtWjlYT0VjNnB0TlRQaHZodFpDcURqMjJzS1VWYjIyazdHcEpVUDd4R3VNSGU5Vk9qbEZFdWpBWlBMTE5ONE5lUWh2S2E0UWc1c256c3EwcmZFbnFhV243LWFDb2lBMTQ?oc=5) · UnionLeader.com
- 2026-02-10 [‘What they did is evil’: The cruelest con game of them all - KRQE](https://news.google.com/rss/articles/CBMimwFBVV95cUxPaEo5U3dxWDBIdlVqMjJEMFlMd0NRZ3F3TE5NN1Izc3IyczhfZEd4eXctRHNjTmk2bkxnVWZPT0ZDZDg4ZmVNeGJvM19kU0puVlBrcDdRYW80cXVRZ2FpbFZpbklSWFlFcC1OSVpXbHRuTzIydGdfOGlqd1BURUV5UV8tY0x2UXZnZHNNN2dTQlhJVzVPYW1QV1NVa9IBoAFBVV95cUxOUWpxSmhMR3NyREVMMEF0djhscWF5WmZ3aE5CRGF0RVBFVVZSNjI1ZTlvTWJoNnRFODM3WnFnOUJHLTVrN3F3Y0xwWkVRLTFyS0MwUll5TWNNbkRVaklDZE84Z2J5NkRqeHBNQ1FERkNWUXpjRXo2XzhCdjhCN3k3SHFOTDJfcTVMcGVOeWNnV2NLSUVXaGIyVDBfNGVMQXBo?oc=5) · KRQE
- 2026-02-04 [Banks are not prepared for the industrialization of crypto theft - American Banker](https://news.google.com/rss/articles/CBMinwFBVV95cUxQcjh3YzhPejd0SHphSDRXaDB5dV9SaE12R0Ixclp4T3NZNmMzSnlwV3B6dTZILW5QeWJ2MmlYT3FoOXYxVmRXS3Z1NUVuZTNNTDdkam5NTElXRUE0V1VsSjBUMk92WHpVU3BwaEJCT0dQeVEwYloxOVo0c2UtWEVLakIyU0ZucUhaUUJJQWJ0ZEY1d3Y4THcwNU1faVowVlU?oc=5) · American Banker
- 2025-11-08 [Let’s end the great shaming over SNAP benefits - KRWG Public Media](https://news.google.com/rss/articles/CBMimgFBVV95cUxQMWZ5Yi1jXzBrYUxTYV90bFYzVElPR3RMVU9kWGRweVdBc1pqTU1NcTg0OXRfck10REN6RFJaWXBJYlBNWkNhNlhNZ1V5bHQyeGQwV1ZUMk5ySTVxdWlkdUEydXlid2UwWnRLQlpiMGtHMUREQldDcHJTdEg3YUxIa0FyZGVfclR4akh0M2xZdnNYdUdGNmw5cGRn?oc=5) · KRWG Public Media
- 2026-04-01 [Bank of America Mobile Deposit Limits - GOBankingRates](https://news.google.com/rss/articles/CBMif0FVX3lxTE54XzgyQkRNWkJCaTF2bDFZNnl5ZkFhYVhWWkNmMkdYTmJEM2czZGl2THMwS2NrcGNZSjRkUWNhWmVoRHJUZ0w0UDVjZzVIcHgyZWJDXzRTU01DeXhSV2RjZmlhZ1RUY1BlYmxzS0I5RmRpTXgxQ0gxckRwajdVb0nSAdABQVVfeXFMTkdwTkR2U1U0cVViSmZzdVR3VUszTzlYTERialBhb0hScW5STmFILU9Md2FOTjVwWXU1dVd3UThRU0VZbWtsbUdXOFQ4RFlEaVN5VENQbWFPOENHYXI4eUdYeTNSR1VseGdyeDV1N2pQeElZczhBaHU3b3NxSlZwZmpYTzhPTHpvaXduOHFHR29PUGNFZV9DTFRQMDE4MUtyOFk5djdPQlFFTTV1T0t3WEc2N1QxR21scGpOYjRZZ3dDemZUaTZHVUJSUXRrNkVOaw?oc=5) · GOBankingRates
- 2025-08-27 [Routing Number: What It Is And How To Find Yours - Bankrate](https://news.google.com/rss/articles/CBMidkFVX3lxTFBjdk1sbmg3X1lBWW1JSURLMGlKemNEQ2dINkVLSGhiWWR0c1B3TVdacjFRV28tRzBhZnB1NWJNbmpNTUd4WG9EcDhWVmZpeGRYOG9TcHE0SjlQQjE1OTFHNlU0c2xYMUJfRzZkOEEtSHRYRExVLXc?oc=5) · Bankrate
- 2026-01-13 [Credit One class action claims bank made unsolicited calls - Top Class Actions](https://news.google.com/rss/articles/CBMivAFBVV95cUxPeFVaSi04eXE2c2xUeHVJUERFbTEzT0VXb2lHbUVOTGRxdTR3RW9HTXMzNUFJZ3RKcUNLN2VnUlVIcUN3MzQ3SDhTakdGb3JMZDFBZ1hLNWpLd3JlQU42Zm45cGQxZ25EdnRZSTdGekNyX3FucTEzanZlSXJ6bzIwTzg4cmhPRG9DMDBSQUdjb0RpZ01ENVhsTXBBSkc4UE1rN2lHVXlKRlEwOU1aeC1KMWNVTUpmYU94azJhQg?oc=5) · Top Class Actions
- 2024-07-08 [Got a call about fraud activity on your bank account? It could be a scammer - Consumer Advice | Federal Trade Commission (.gov)](https://news.google.com/rss/articles/CBMitwFBVV95cUxOVktBanVJS20tTF9kUkNYWFNmS0tyUDJ1bDFrNl9Xb1h5aUdJaV9fWW9XNTlEQXNsTW50MGsweGZid29ubzJGYnZQOGVlZ2FLeWFBYXNzd3RhMTFMeEg4dXQ2eHR3OHJXbGtpcjV2QmJtMXhCYWUwZU0tVVVaczh2U0JUWWwtekhaMzIxU0o1MFppS1lIS0hndUZ3WVZIRHl4aWF5T1RtNnQ4Vlh6OXlQRWRaT3h6NE0?oc=5) · Consumer Advice | Federal Trade Commission (.gov)

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=33616 (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/16.json (key "33616", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide