# SUNRISE BANK OF ARIZONA
PHOENIX, AZ · FDIC certificate 34707 · asset band <$300M · latest filing 2013-06 · FAILED

**Verdict on the desk:** this could be *credit-stressed*. Composite score 11 (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 | $202.2M | |
| Deposits | $196.9M | |
| Loans and leases | $156.2M | |
| Total equity | $4.8M | |
| Loans / deposits | 76.92% (p66 of band) | 68.67% |
| Liquid assets / assets | 21.10% (p18 of band) | |
| Uninsured deposits / deposits | 14.83% (p64 of band) | 11.61% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 2.36% (p0 of band) | 10.18% |
| Unrealized securities loss / equity | 0.00% (p57 of band) | -0.21% |
| AOCI / equity | 0.00% (p92 of band) | |
| ROA (annualized) | -0.28% (p7 of band) | 0.77% |
| Net interest margin | 4.31% (p85 of band) | 3.59% |
| Efficiency ratio | 101.83% (p93 of band) | |
| Noncurrent loans | 8.56% (p97 of band) | 1.13% |
| Net charge-offs (annualized) | 0.60% (p91 of band) | |
| Reserve coverage of noncurrent | 35.13% | |
| Real estate % of loans | 91% | |
| Construction % of loans | 118.04% (p97 of band) | |
| Auto loans | $39,000 (0.02% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -21.6% | |
| Employees | 67 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 9 | leverage <7%, leverage <5%, losing money, expense ratio p90, noncurrent p90, charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 9 |  |  |
| 2011-09 | 9 |  |  |
| 2011-12 | 9 |  |  |
| 2012-03 | 12 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2012-06 | 12 |  |  |
| 2012-09 | 11 |  | uninsured deposits leaving |
| 2012-12 | 11 |  |  |
| 2013-03 | 11 |  |  |
| 2013-06 | 11 |  |  |

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

- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2024-12-04 [List of Recent Failed Banks in the United States (2023-2024) - Norada Real Estate Investments](https://news.google.com/rss/articles/CBMia0FVX3lxTE4zaWFvQzhqc24zdE1QZ1haYnk2b1NsLWxONmNTTV9jVldzbjZqLUM1NV85U3dyaENaUGhWVm0wdllpUlNMZlIteHExdVUzS0JTdXlRWTJiUGJfaEtZSk5wcWhNNG1ZS0U5Y0Vz?oc=5) · Norada Real Estate Investments
- 2013-08-29 [Fewer Bank Failures as Sector Heals - wsj.com](https://news.google.com/rss/articles/CBMifEFVX3lxTE5lU2kwamh5MmxZaWJGcE1semgyNkFYWWlQNkt0LXQ3WFlKWjNLQXFZOG5oTlpjWUxEalJrWFZZdTlGZ0o4aTVYY2JrVUd0WWJuUjdSSEtmdnZ4a2trX2hhY3RFVERzTVZzdlBuWG91V1dxR2xsdDhTa3U5N1M?oc=5) · wsj.com
- 2008-04-03 [Police say man robbed 3 banks in one day - East Valley Tribune](https://news.google.com/rss/articles/CBMiyAFBVV95cUxOYlQ0blViUGxTOV9RS2hxRUZHck03Zkc0WkJUVjZZMVhRdnExT1prS3pIbHRKdDlUVFBxTGhHZm1mNkswV3pQLXladzBpY1IyZGdtaEhMbnBnSnlhRENEVVZULTZfQzZjVTBFQzJSOTBqVEZEd1NLTGU4WTI2VU5Cb2pQU1pkWF9SaGpZRFBEQkFPMnRzNzQ4WFBLTkh0clk2bU01eHBlRzVuXy1SbGprT1Z0R2FiNHVKWFhMVWlkR1lidmh4bkVPYg?oc=5) · East Valley Tribune
- 2026-08-24 [Failed Banks In The US: An Analysis By Year, Size And More - Forbes](https://news.google.com/rss/articles/CBMibEFVX3lxTE9SRkVrQmdfS2FWVWlBdzNCcy1OTlAyNlVSUEpoMG5WVllXR0V1dW5NSFBRSW91OUFjZ055S3dyS3RaaVg3dVc3UU12XzhENE5nanJFeEExR016RTR4Y1BERHVJSHlzSDNqS3pUWQ?oc=5) · Forbes
- 2012-09-23 [Justin Muramoto Obituary - Goodyear, AZ - Dignity Memorial](https://news.google.com/rss/articles/CBMihgFBVV95cUxQOEI1TnJ0RmgxZ2xQemd0TmlnUUM0emNwbXBhUEZfY0sydFJZRnZOcFE1VXdXM1ZoV1k4Z3FjVDY4Xy1BT0tLcTJPbDZFcHkyVFp5MTAwOHdYeE5DYTZTSGpXNTVKX19qYUdzR2QtMW9QOXl4eGF3eUhNZTJpeDFNMHphSzZuZw?oc=5) · Dignity Memorial
- 2009-09-29 [Alfred Waldrop Obituary (2009) - Phoenix, AZ - The Arizona Republic - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxONkJBam41TnlPQ1daZzkyUzRXSFYxMXFRb3B4LW1fWHBScHNGRUJJR2xGSkVka2NDY0MxX0UwZ1FROW5Zdm1qbW1PcGhYWXpYWG4zTlRZa0U4aGUwbXJGOFR4WXVUYUxWZ2F2eDQ5dzVnZUtRN3BROXo2ZGNDRHdTc3k5dHhGcE9URTZxVm5LU0c?oc=5) · legacy.com
- 2017-01-22 [Arizona scammer with Marion County tie gets 20 years in prison - Chattanooga Times Free Press](https://news.google.com/rss/articles/CBMilgFBVV95cUxQVTBLeEJVTmp5eGY2SWk2SmtmYmI1dnAzNU5JbUthMWJtRGdZRk56N3ItT2FkMV9rUzhGQjFUOFdZeWNHdmtrOE1FTXd1ZVVhQk9sNWZZdjZvcGhLdkNoOTk3OFRwWGNlWkptRDYwOUZreHlDMXhXQjdVOGE3Y2tQa1BYcGFvbC15amFOWE5jeEd3WWtac2c?oc=5) · Chattanooga Times Free Press

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34707 (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/19.json (key "34707", 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