# EAGLEMARK SAVINGS BANK
RENO, NV · FDIC certificate 34313 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 4 (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 | $755.7M | |
| Deposits | $519.4M | |
| Loans and leases | $684.1M | |
| Total equity | $175.0M | |
| Loans / deposits | 131.68% (p99 of band) | 82.04% |
| Liquid assets / assets | 8.47% (p3 of band) | |
| Uninsured deposits / deposits | 0.39% (p0 of band) | 25.97% |
| Brokered deposits | 68.35% | |
| Wholesale funding | 68.35% (p100 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 23.68% (p98 of band) | 10.81% |
| Unrealized securities loss / equity | -24.57% (p17 of band) | -8.10% |
| AOCI / equity | 0.00% (p77 of band) | |
| ROA (annualized) | 4.54% (p99 of band) | 1.28% |
| Net interest margin | 6.70% (p99 of band) | 3.91% |
| Efficiency ratio | 30.16% (p1 of band) | |
| Noncurrent loans | 0.00% (p4 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p29 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 0% | |
| Construction % of loans | 0.00% (p2 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -4.0% | |
| Employees | 86 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **liquid assets <10%** (`liq_thin`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | loans exceed deposits |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 3 | capital falling, assets shrinking |  |
| 2012-09 | 2 |  | capital falling |
| 2012-12 | 2 | deposits shrinking | assets shrinking |
| 2013-03 | 3 | assets shrinking |  |
| 2013-06 | 3 | capital falling | assets shrinking |
| 2013-09 | 2 |  | capital falling |
| 2013-12 | 1 |  | deposits shrinking |
| 2014-03 | 1 |  |  |
| 2014-06 | 2 | capital falling |  |
| 2014-09 | 2 | uninsured deposits >50% | capital falling |
| 2014-12 | 2 |  |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 3 | capital falling |  |
| 2015-09 | 3 | assets shrinking | capital falling |
| 2015-12 | 2 |  | assets shrinking |
| 2016-03 | 4 | deposits shrinking, assets shrinking |  |
| 2016-06 | 5 | capital falling |  |
| 2016-09 | 3 |  | deposits shrinking, capital falling |
| 2016-12 | 2 |  | assets shrinking |
| 2017-03 | 2 |  |  |
| 2017-06 | 4 | capital falling, assets shrinking |  |
| 2017-09 | 2 |  | capital falling, assets shrinking |
| 2017-12 | 3 | assets shrinking |  |
| 2018-03 | 2 |  | assets shrinking |
| 2018-06 | 3 | capital falling |  |
| 2018-09 | 2 |  | capital falling |
| 2018-12 | 2 |  |  |
| 2019-03 | 3 | deposits shrinking |  |
| 2019-06 | 5 | capital falling, assets shrinking |  |
| 2019-09 | 3 |  | capital falling, assets shrinking |
| 2019-12 | 3 |  |  |
| 2020-03 | 2 |  | deposits shrinking |
| 2020-06 | 5 | brokered >10%, wholesale funding >15%, capital falling, securities losses >30% of equity | uninsured deposits >50% |
| 2020-09 | 5 |  |  |
| 2020-12 | 4 |  | loans exceed deposits |
| 2021-03 | 4 | loans exceed deposits | capital falling |
| 2021-06 | 4 |  |  |
| 2021-09 | 3 |  | loans exceed deposits |
| 2021-12 | 3 |  |  |
| 2022-03 | 3 |  |  |
| 2022-06 | 4 | capital falling |  |
| 2022-09 | 4 | loans exceed deposits | capital falling |
| 2022-12 | 4 |  |  |
| 2023-03 | 4 |  |  |
| 2023-06 | 4 |  |  |
| 2023-09 | 6 | liquid assets <10%, capital falling |  |
| 2023-12 | 5 |  | capital falling |
| 2024-03 | 4 |  | securities losses >30% of equity |
| 2024-06 | 4 |  |  |
| 2024-09 | 5 | capital falling |  |
| 2024-12 | 5 | securities losses >30% of equity | capital falling |
| 2025-03 | 4 |  | securities losses >30% of equity |
| 2025-06 | 4 |  |  |
| 2025-09 | 4 |  |  |
| 2025-12 | 4 |  |  |
| 2026-03 | 5 | deposits shrinking |  |
| 2026-06 | 4 |  | deposits shrinking |

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

- 2026-08-28 [Eaglemark Savings Bank Helps Northern Nevada Children in Foster Care Start the School Year with Confidence - Carson Now](https://news.google.com/rss/articles/CBMi2wFBVV95cUxNN2VVYkhJSHkwNWs5NHd6Sm5Xd0taTWdaN1Zndm1jZ2hxZm5pZ1hmNDJqQXoxNHJ0dFRkUjh2Nldoa1J2TDV3WDl0dDBmWEVVQkJCOGVON1ZTUjZneThodG5DZ01BTWF6UDhmSDVuaW5QZVJfcng5Tm8wcGxrTGZES1kzY1lJWG5mQVFnUGszeHJkX3FQYzhoVUVMZXhRQVZILXFLY3F0T2FTMFU1LXhLYVd5enYwZ1FuNktGUlVIQjlUbjgxc05XWjlfTmIxTGxlbFpoUGkwcTd4TUk?oc=5) · Carson Now
- 2022-06-05 [Eaglemark Savings Bank donates $10,000 to CASA of Carson City - Nevada Appeal](https://news.google.com/rss/articles/CBMingFBVV95cUxNUVhLWXBZZC1KN0I0R0tzWDJlT0JOajNsTzVTYjFBeTNxaS1PUmJzbWVRaEF6dkhMSXFDQUQ4dUpEbUpwYnNhTDByU3Z4OE5zOFZYMGtxMmF4QlEzSmlTYmZrcGcxSk9VZG45M2c2Q0ZXdUVQUElOVm1pUzVIa2hlR2N5TU5INll6WGxvdS1qd3lhVng4M3hIYm1FN0hQUQ?oc=5) · Nevada Appeal
- 2022-03-11 [Harley-Davidson donates $40,000 to Carson schools - Northern Nevada Business Weekly](https://news.google.com/rss/articles/CBMikgFBVV95cUxNME9yblQ3WFhfNHFNTndzVlY4REZyVGg1cUl5TkQ5STJkdGZDYU9wV3JJbklWQmhXRWM1T196U24wU29DYVY0UFVGNl9LT3ZFaXFBeWMzV29oeG9IRjc0NzNxVFVtTkI0bVBvbk9wdjNOWGdHN2hKc1hDbEJ0NU1RTWFoT05wNVgxNE80NXdhT2Mwdw?oc=5) · Northern Nevada Business Weekly
- 2015-05-30 [Business briefly: Jessica Drake earns real estate license; Lawyer Referral and Information Service gives to nonprofits; Business meeting focusing on women’s pay equity; Nevada Rural Housing Authority | Serving Minden-Gardnerville and Carson Valley - The Record Courier](https://news.google.com/rss/articles/CBMinwFBVV95cUxOZWlkRDNic2NaZXVuaUFoNVB1ZGVBOXM3dmNma2QwN0hwUTExTzMyWWN4ejVDT1hRU0ZQNTRBYzRDZDU5THZOS2Z2S3kySGxPem8wMzZxQk53d3R3WXNIYWNCWDFWZkNKVEFIMEpsS0xXekdlbDIwNDc0QzROLWxkUVI3a3RUWVY3WlFOSnZNdFFXUW5naG85dkMyREpmUFE?oc=5) · The Record Courier
- 2022-12-18 [State association recognizes exceptional Carson City School District employees, community partners - Carson Now](https://news.google.com/rss/articles/CBMivAFBVV95cUxPdkY5Z0xQTkloZ2ZQNnNoVjVJR2xPWWgtRExqNnFPNW5CdUFMYTNrMGV6UmpFR3pwS2s2TmczUGQxUFZZd1RXdHZRRmpaTHdDQ2tyWEZJTnptVlpUSHhtZXNaMUhGX19oTmtEMldsamR5U0NNMGFiWXN0X1drSEJzRFFWNV9OemtOWEduZ0t1RF9EQ29UcmRuYzVjTjNxYzdQYjZQWmJzRVlsRUs4b0xNeVBSSUNIS1FSOHVCUQ?oc=5) · Carson Now
- 2014-11-23 [Western Nevada College News & Notes: Student scholarship donors make a difference - Nevada Appeal](https://news.google.com/rss/articles/CBMingFBVV95cUxQLTNlRWZSU1dhT2ZGZlNjTU1DZUhqVlBPeGtDWkwtclB2VzluS0prbmVKNHlGaE5fMTNLblpYcVdmQ0J5Tk9QZUcwem9sc3VkS1hoMHJzcmVkVDhubW9NN3RqRllRaXUxbldDaGtmMWlVVGNVdF9GRHNpZTVSMk1tdS1LeGJXaWprbm1lWVpFSl95RG5fYWZKdHBUM3NTUQ?oc=5) · Nevada Appeal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34313 (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/9.json (key "34313", 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