# QUILL BANK
PROVO, UT · FDIC certificate 33823 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 2 (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 | $1.56B | |
| Deposits | $1.31B | |
| Loans and leases | $1.26B | |
| Total equity | $220.0M | |
| Loans / deposits | 92.94% (p67 of band) | 87.10% |
| Liquid assets / assets | 16.09% (p27 of band) | |
| Uninsured deposits / deposits | 27.21% (p38 of band) | 30.76% |
| Brokered deposits | 8.76% | |
| Wholesale funding | 9.63% (p63 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 14.42% (p91 of band) | 10.50% |
| Unrealized securities loss / equity | -0.26% (p95 of band) | -7.75% |
| AOCI / equity | -0.41% (p41 of band) | |
| ROA (annualized) | 5.29% (p99 of band) | 1.26% |
| Net interest margin | 16.84% (p100 of band) | 3.70% |
| Efficiency ratio | 32.43% (p4 of band) | |
| Noncurrent loans | 2.54% (p94 of band) | 0.51% |
| Net charge-offs (annualized) | 5.01% (p100 of band) | |
| Reserve coverage of noncurrent | 153.22% | |
| Real estate % of loans | 62% | |
| Construction % of loans | 50.32% (p53 of band) | |
| Auto loans | $32,000 (0.00% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 30.4% | |
| Employees | 249 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 0 |  | reserve under noncurrent |
| 2011-12 | 0 |  |  |
| 2012-03 | 3 | capital falling, reserve under noncurrent, uninsured deposits leaving |  |
| 2012-06 | 2 |  | reserve under noncurrent |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 | reserve under noncurrent | capital falling |
| 2013-03 | 1 |  | uninsured deposits leaving |
| 2013-06 | 0 |  | reserve under noncurrent |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | uninsured deposits leaving |  |
| 2014-06 | 0 |  | uninsured deposits leaving |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | loans exceed deposits |  |
| 2016-03 | 1 | capital falling | loans exceed deposits |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | loans exceed deposits |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 1 |  | capital falling |
| 2017-09 | 0 |  | loans exceed deposits |
| 2017-12 | 0 |  |  |
| 2018-03 | 2 | loans exceed deposits, expense ratio p90 |  |
| 2018-06 | 3 | construction >100% equity |  |
| 2018-09 | 5 | capital falling, charge-offs p90 |  |
| 2018-12 | 2 |  | expense ratio p90, construction >100% equity, capital falling |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 | capital falling | loans exceed deposits |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 | uninsured deposits leaving | capital falling |
| 2020-03 | 5 | reserve under noncurrent, deposits shrinking, assets shrinking |  |
| 2020-06 | 2 |  | uninsured deposits leaving, deposits shrinking, assets shrinking |
| 2020-09 | 3 | loans exceed deposits, capital falling | reserve under noncurrent |
| 2020-12 | 2 |  | loans exceed deposits |
| 2021-03 | 4 | loans exceed deposits, wholesale funding >15%, construction >100% equity | capital falling |
| 2021-06 | 3 |  | loans exceed deposits |
| 2021-09 | 2 |  | wholesale funding >15% |
| 2021-12 | 3 | loans exceed deposits |  |
| 2022-03 | 2 |  | construction >100% equity |
| 2022-06 | 6 | uninsured deposits >50%, brokered >10%, wholesale funding >15%, run vulnerability |  |
| 2022-09 | 6 |  |  |
| 2022-12 | 7 | noncurrent p90 |  |
| 2023-03 | 6 |  | noncurrent p90 |
| 2023-06 | 3 |  | uninsured deposits >50%, wholesale funding >15%, run vulnerability |
| 2023-09 | 4 | capital falling, noncurrent p90 | loans exceed deposits |
| 2023-12 | 4 |  |  |
| 2024-03 | 4 |  |  |
| 2024-06 | 2 |  | brokered >10%, capital falling |
| 2024-09 | 2 | uninsured deposits leaving | noncurrent p90 |
| 2024-12 | 2 | noncurrent p90 | uninsured deposits leaving |
| 2025-03 | 3 | capital falling |  |
| 2025-06 | 3 | brokered >10% | capital falling |
| 2025-09 | 4 | uninsured deposits leaving |  |
| 2025-12 | 2 |  | brokered >10%, uninsured deposits leaving |
| 2026-03 | 2 |  |  |
| 2026-06 | 2 |  |  |

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

- 2026-06-23 [Fintech partner to rebrand to Quill Bank - Banking Dive](https://news.google.com/rss/articles/CBMiswFBVV95cUxQZTVld2x6YUFJdUlCSEpvYnNiUmtzQWM4dl9UQzdGLTNQcTAzTkVZczFaa3RVSmhOeS0xNUxST1gxN1NvbXNNOC1XbVlmUGFkdjhURHlfQ3dtMDB2c2tURGxpLXZ1TXBlbEpObDN1TVZJdnhMemVYWF9JM1k5RE5pTXVBMUVhaERhZ1p0Szg5MmlYQkZOeXpTWnpyV3N5eWM5b2dkdE1QUkx3ZU9CQnlNOFBsRQ?oc=5) · Banking Dive
- 2026-06-09 [Utah community bank to rename itself as Quill Bank - American Banker](https://news.google.com/rss/articles/CBMijwFBVV95cUxOd0tvNG9EeHMxelRfMHZ2alBITmkwcllId3BJVDJicE04WjVzdEZyRHdENUREdVY2c3lBeFVuZnFlak5aRkVYbEJmd0J6OGNHeEVDVmNQaTRGN3ZyRFNkSTRzcVFiZVRHSnpDZ2FMXzR4V1lEcnFFUzdwdXpMMjd0Qy1QZERJWE1BejdoQmU2RQ?oc=5) · American Banker
- 2026-06-03 [CCBank Launches Quill Bank to Deliver Banking Expertise to Fintechs - themalaysianreserve.com](https://news.google.com/rss/articles/CBMisAFBVV95cUxPWmhFSzRwZ29uZkl2Z3RHNmZxdkVQb2QxeHVfNDhydzdsbnVnNVg0QlN0dEpmcXVfd0hZbEo5VVhxdWFGbGNTZWlKM2cxSVM1aGRORjFic21uUTJScFdYTUpjYkNxYkd0MWpSUm1USmFKUy1KQTdJaEhYOGtuVlBaUy1qYUpDdmdWRjZwRmZhVUlQX2N5cldlTmtHMFR5dnFjRHQ2bnItZ1laenNUd3RYbw?oc=5) · themalaysianreserve.com
- 2026-06-08 [CCBank announces new fintech-focused division Quill Bank - FinTech Futures](https://news.google.com/rss/articles/CBMiekFVX3lxTE9OaEJ0R3NDa0dvLWtxcWlMQ1Z2MGpRSVZ2X1hxcExyWTdPV1l6eXR4VGdETGRoaWdDS2RzR3ZmVV9pcEg1Y1VCT3pPbHg1cHdaNnhRN0FvcU5vaFo2cmJJajB6QkwycTBfWkNKQk9mZk13VXBheDlCeC1R?oc=5) · FinTech Futures
- 2026-07-08 [CCBank and Security Home Mortgage Announce Strategic Rebrand to Accordia Bank and Accordia Mortgage - The Herald Journal](https://news.google.com/rss/articles/CBMikAJBVV95cUxOUVJycGlLd0t1U1ZaLUxKTU00MUpkOFZtejQ2bk1MRHpVeS1xMkFOdFlOMU0yMF9lREx2LXd4bnFyTXVESUtOUlo5eDN0djB0c3hvMHBGbW1Cejh5Nkd2SGVuQjA1SjRhXzNtUlFLRi1SOUltR0xINjVDN242UUlSd2cxM3F2X3FPa0xTRkRodHdfMEdJX05XWXZ6TDNBaFJCSWVOY3hnTkJhUUJFRGV5TFZVNmlxdlRZc2pIMWgtVTRDZFBDWFN5STloeWtiMXZxYVpWZXZSMTBCMVFPZG1JME9vM0xmT3RqcUpfXzRjTVluQkptZE5uSWVBRmFOWERaVzMxZHpBSWt2a21mNjBvaA?oc=5) · The Herald Journal
- 2023-02-28 [Black investors unveil first-of-its-kind deal for Utah community bank - American Banker](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOUmxnTUxQMWZZSkxGMWdmNVctc2VKT0FyUGwxUS1ZdUFkUE9xVGFBV1pqYnFYcjAyQmdzU0xST2NLTmVvQVZGMzBJc3ZFY09USXQ0U0lZN3QwSFZBMnZ0RHQzVHJrejVJbHNfUk83aDVKRUEtOTdqUkszZkhKeHhtbHRvMlNqaW85U0Z1TTVmYkEtVGllVVNDTlJzTkEwVTdvMVlVeE02eWs?oc=5) · American Banker
- 2018-05-14 [Citizens to launch online-only bank in bid to boost deposits - American Banker](https://news.google.com/rss/articles/CBMinAFBVV95cUxQa2F1UGN3SlhDS2hyU3I0cEI2TlZmRk1ubHdwZXB4d0s3VlB6YUJBOVIyM3plZDhSZlFMdGNxRFZqQTVuZk5JQmdoNDVXb21HYjZKaDE5MGpxSGhNckJGUXpmSDBFclNNNXlveVg2U3NSLU9OUnZrcHJNVzZ2S2U0bjhaQXNIeVd6b0tOcHMwNUg3TFJfMGd3MS1oRkY?oc=5) · American Banker

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=33823 (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/31.json (key "33823", 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