# AMERICAN BANK OF COMMERCE
PROVO, UT · FDIC certificate 34232 · asset band <$300M · latest filing 2018-09 · stopped filing (departed)

**Verdict on the desk:** this could be *fortress*. 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 | $96.1M | |
| Deposits | $81.9M | |
| Loans and leases | $73.8M | |
| Total equity | $13.4M | |
| Loans / deposits | 88.93% (p71 of band) | 78.40% |
| Liquid assets / assets | 18.46% (p24 of band) | |
| Uninsured deposits / deposits | 39.64% (p96 of band) | 15.34% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 14.37% (p79 of band) | 11.34% |
| Unrealized securities loss / equity | 0.00% (p93 of band) | -3.15% |
| AOCI / equity | 0.00% (p92 of band) | |
| ROA (annualized) | 1.97% (p92 of band) | 1.02% |
| Net interest margin | 6.22% (p99 of band) | 3.82% |
| Efficiency ratio | 65.18% (p39 of band) | |
| Noncurrent loans | 0.00% (p7 of band) | 0.57% |
| Net charge-offs (annualized) | -0.15% (p2 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 97% | |
| Construction % of loans | 186.36% (p99 of band) | |
| Auto loans | $105,000 (0.14% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 6.3% | |
| Employees | 25 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

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

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

- 2026-03-24 [Vern Bailey Obituary Dec 7, 2018 - Walker Sanderson Funeral Home & Crematory](https://news.google.com/rss/articles/CBMiZEFVX3lxTE5qWHBOTE1sWGk4b0d4V09IZHBJR1VNOXM1NkJOTi1RQi1wODE2RkxuUE81THdfNUk4TTFDNGdVSmdJSkFYTHpqdjNnS05HVXdzaEFNNGxrbmUwVEx1Z1c0ejUwLUc?oc=5) · Walker Sanderson Funeral Home &amp; Crematory
- 2019-01-10 [Leadership and Membership Announcements for the Federal Reserve Bank of San Francisco’s Salt Lake City Branch Board of Directors - San Francisco Fed - Federal Reserve Bank of San Francisco](https://news.google.com/rss/articles/CBMi8gFBVV95cUxOQTBRM1d1UHRUZmdkWFRXVWVzWTFBUWVqYmFLY3JPQlNsNkRwY1hJbW9FYXJtaGc3ME9mME9qUWphTXJCSkE4aG1UTDEtd0NRVDhDa2FLNW9YakJ3WVJ4WDdWUDBrb205MEEyOHJSaW9GSkVFSFRYbUhqMHF3UVZlMWpxakMzejRLdWIyaVozQWY0cE5LQmRWa25lTjZuTTNHdUNyWnJib1VuZ093dEliSHcxa1drdWd0a2o0MV9MQjlZT2JQRXdqR2h4NWdfUmQtMlMycmRqblU1WS1MUFo4WDBzUjA3OHlrT2tlVzRSWmpmQQ?oc=5) · Federal Reserve Bank of San Francisco
- 2017-08-27 [Best Banks to Work For 2017 - American Banker](https://news.google.com/rss/articles/CBMisAFBVV95cUxQWFBCdWFKTXRwRkxBbU9wbGg0NVB5NllILTVmbnF0YTVSVmJzanU5bFJXbFZvdEdWN1doZzB3SGxYZEFvYkdpWEhFU3I4aXdzU3RzcU9sS28yQVd0Y00xOVpMRjBXd3J2bUJhS3FuSVhKamMxSnYxT0djTEYtWFJsQnY1QlZCajF6OWVWWUpVZEljQW5uZzNfeHRzOUZmRU11ZFU4UlQxSnJBcG1yUTd5LQ?oc=5) · American Banker
- 2024-04-08 [60 Banks With Highest CRE and Uninsured Deposits Exposure - businessinsider.com](https://news.google.com/rss/articles/CBMinwFBVV95cUxQV0Z4R3lXYkRYZWlEQm9laDVZRE9TLUZ6cS1UVERhbnhIOVVFQlBhNEZZWHFXekVZaTcwWl9vaHVuQ1MwaTlpakVrSHVqOTlndjVORWl3a2Fvd2RZUl9BN19DLW5mcEZsRjZTWjVrWmFzb2R1R1pEdEpaVVhUR0Izb0NpUEZlYXMwTnFNeDJNSUNSa3E1OGlSdm1ndy1rNFk?oc=5) · businessinsider.com
- 2018-10-02 [Here are all of the banks that currently support Apple Pay - iMore](https://news.google.com/rss/articles/CBMid0FVX3lxTE9ZY3JkQUdrNTNjWmMzVFk2QXBlWExaRnI3bjVsQ28wVlFRWUc5TEVWMm5TWkZ6RmtKTTNZRUhKbExyS25yb2pnRTc5VklBeW13Mzk0aU9MWVNGbHpiMDJUM1pfOVFvdFhCdGpNLUJQVG9ybXYzNlc4?oc=5) · iMore
- 2025-08-08 [Sam Wilson Obituary (2022) - Austin, TX - Austin American-Statesman - legacy.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNblgxa2JNcGo5RzNQd2dCYTYtX3R5MnlxZlhpUHlYdm0wakUtMjlQSWVScU9ETnFtVlE1dGdYdWZtQjJtUVBueGp3YVJHZ3AzaTVzTXhKenY1UDFGc00wTHIydHgxblhvbzdSay15WEo1OEJnMS1DdmhLT2ZZR2pfTUhZaW40dllLZjZz?oc=5) · legacy.com
- 2014-05-12 [Grapevine says official goodby to one of city’s most beloved doctors — but retiree will still be around - Fort Worth Star-Telegram](https://news.google.com/rss/articles/CBMikgFBVV95cUxQTWZYV3ZUeHdvVktKeVlaVjNhazIyYjc5OGRxSWpzSU5rYUo2UEJyVWhCMzFldXJIQUYxTjdBZmlUVWo2SERzdXNMZWliNmZrZ2xYWEVWdG1qdk5CaG4wSlRTVFhtZW93NWFpWTJmWnhyR0FVVkdEc2hlZmFoZXBWdVFzNTUxTmRrSGludVNMMlpUZ9IBkgFBVV95cUxPNXhyUmNHcVdNS2NmMHJFcHVBYUxkTUF5NmVrN0tkUEtydzhFQ0lOUzNyeFcxa1I2ZTMzSWFscHB1c2RJdENpVG1pSEdWeG1faHY1RFRfaEhZbkdEZ2FobDltV0NBWVhXMDV0cUt5a19nNjRJN0kzS0QteU9YT1R1d0xLRWlnWmV2bXNQUkNJTGxiQQ?oc=5) · Fort Worth Star-Telegram

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34232 (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/56.json (key "34232", 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