# FOOTHILLS BANK
YUMA, AZ · FDIC certificate 34573 · asset band $300M-1B · latest filing 2017-03 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. 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 | $359.9M | |
| Deposits | $293.1M | |
| Loans and leases | $305.2M | |
| Total equity | $42.1M | |
| Loans / deposits | 102.98% (p91 of band) | 83.04% |
| Liquid assets / assets | 10.75% (p7 of band) | |
| Uninsured deposits / deposits | 21.26% (p52 of band) | 20.72% |
| Brokered deposits | 4.91% | |
| Wholesale funding | 11.16% (p71 of band) | |
| FHLB advances / assets | 6.25% | |
| Tier 1 leverage | 10.94% (p67 of band) | 10.16% |
| Unrealized securities loss / equity | 1.00% (p87 of band) | -0.46% |
| AOCI / equity | 0.12% (p32 of band) | |
| ROA (annualized) | 1.20% (p74 of band) | 0.90% |
| Net interest margin | 4.43% (p91 of band) | 3.57% |
| Efficiency ratio | 57.30% (p20 of band) | |
| Noncurrent loans | 0.93% (p65 of band) | 0.63% |
| Net charge-offs (annualized) | -0.10% (p5 of band) | |
| Reserve coverage of noncurrent | 121.03% | |
| Real estate % of loans | 90% | |
| Construction % of loans | 52.31% (p62 of band) | |
| Auto loans | $278,000 (0.09% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 10.6% | |
| Employees | 59 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 3 | charge-offs p90, uninsured deposits leaving |  |
| 2012-12 | 2 |  | uninsured deposits leaving |
| 2013-03 | 2 |  |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 3 | losing money |  |
| 2013-12 | 3 |  |  |
| 2014-03 | 2 | capital falling | charge-offs p90, losing money |
| 2014-06 | 1 |  | capital falling |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 0 |  | reserve under noncurrent |
| 2015-09 | 1 | reserve under noncurrent |  |
| 2015-12 | 0 |  | reserve under noncurrent |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 2 | loans exceed deposits, capital falling |  |

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

- 2022-11-03 [Foothills Bank Celebrates 25 Years of Community Focused Service - The Business Journals](https://news.google.com/rss/articles/CBMiggFBVV95cUxQSl80c3M2ZzBoaGRMQ1ZuTnd0aEJIWEhjaUZfMDVTVmhGWGVOWXBhY0JVNGhDWXVPNkFxN0hHd2ZJUDBCU3B5SkNka3JFaUxxclhGSXhBNk5Ea2tITEtmV0VRc3h3ZjFxYUZFSkgwN2l6Y19PeElyQ1VsMjVvYXdOOUdR?oc=5) · The Business Journals
- 2023-07-02 [Getting to Know Foothills Bank of Flagstaff Branch Manager Tammy Floyd - Flagstaff Business News](https://news.google.com/rss/articles/CBMirgFBVV95cUxOdUwwWWRrSnBIaTJLNGNPdW5ZeFdwbEtSa0M2Y01CeHFuTG44ZGZLVU55TW5WREJpQlpIUGxjS3BxMEY2RnJnbVlNMHhrQ0M2M0s1VS02bFktSGZQS2dYVkFLNHd3bGRXTGN6c0R1cV9ITWNmMzFoZUw2X3pvNFN4Wlh1Vk9aNjgydGtUMUUyN29aMWYwRU52QkJLai1XN2lmeTRxNWtySkhoNC1qaHc?oc=5) · Flagstaff Business News
- 2020-12-06 [Foothills Bank: Meet the Team, Deanna Webb - signalsaz.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxQcS1ULXJsU2I2eUpYa1Bzb09GTFl5amJJV0oxNjBPVzN0eHdXQjkyMkdUMlQ4YnNpellmSUVaMkNzdHVDYTZYa1UzelFYUEp0bm9vbnBOUWx2V0puQmh5UlBCdzk5VFBFRkJ6cTRuVlI5aGtCMGVZR3lpcFhzSHFRNUtR?oc=5) · signalsaz.com
- 2024-04-21 [Ranking Arizona: Top 10 banks for 2024 - AZ Big Media](https://news.google.com/rss/articles/CBMikAFBVV95cUxPVVhSRGVEay04em83aEhzWVZjNG1NQll4MFhrVE5VS29vQ1ZCTGNTYkE4WTZ1Sm8xTXQ3Y2w3YllHV0ZLNnZKSXgzVWt3NHVtamdFVHZZZnpqMWpaZkpISlF2UUdwZE1BeGVDUUdPWGVWZUJLWHY2R2lTeDBaUWMxWnRVaXlSRGQzckw2NFVuNDA?oc=5) · AZ Big Media
- 2025-04-15 [Jason Royce, Hired at Foothills Bank - The Business Journals](https://news.google.com/rss/articles/CBMijAFBVV95cUxNQllNT2h3SV9jQVlXYzRSaVdERkEtcm1uWG95NEhGdUFRS2N5V3hKVFo4UVFqUUpZNWlXSEFNa2FfVmE3bzA3R3A4dnBzQk9UZzFIOVJSNzV3MWh6M2QyTmdDR2gwWkdKT1hZdGwzanhKN1BhWGNyUTc0Ulp2UXM0Q1d1ODRSMmwyOFhjeg?oc=5) · The Business Journals
- 2020-12-13 [Foothills Bank: Meet the Team, Leanne Martinez - signalsaz.com](https://news.google.com/rss/articles/CBMihwFBVV95cUxNMnVtZGJqLUp1SmpNQTEzclJNS2NMSjAyWm1nOUpSY1lTYUVkMlRjMGNJenA1YUJBalQ3RGVTc2tzSHFtVFo5eWo2dUhVU0JSeGoyd1pNTTIzSEd1cWpwTGVnd09EOGF2UlgtM0ExaWY1RDBYczRuaGQxUDJZQ3d4REFsM2NqSGM?oc=5) · signalsaz.com
- 2020-12-28 [Foothills Bank: Meet the Team, Mark Tufte - signalsaz.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxPTTdwc3YtVk1hMTh4c2JhMXRIUUpPd0pwaGFEeWVZU1RsLU0yVjN0UnVTN0RlaXZhREt0VXY4cDR5TEtsUlhTdHFTM0hoR0VFUWVzbkNKb0Fva2dqYzZ3TEk2bDFvUUVPZms0R3RBZkYyN3RFamJTM0FwUDJkZVhGSw?oc=5) · signalsaz.com
- 2021-04-27 [Foothills Bank, More Than Your Average Superhero - signalsaz.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPUTRULThOa05jVlVsQzJvQU40azlURWdOek5kVDU3cXFUTDZ2aWxOeldVTkJrR2xmOGM5VDFpS0Nsam1fdndvcGsxemJmVWpwTUVzWEdjeWw3N29VWXhLVUFyN1Zhd3JRSkpCbUlyZzJYN202RkpsQVlPQUlENW4wdzRmRWFfX09TUldv?oc=5) · signalsaz.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34573 (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/13.json (key "34573", 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