# BANK OF TUCSON
TUCSON, AZ · FDIC certificate 34708 · asset band $300M-1B · latest filing 2013-03 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 (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 | $319.1M | |
| Deposits | $266.7M | |
| Loans and leases | $147.3M | |
| Total equity | $51.3M | |
| Loans / deposits | 54.70% (p15 of band) | 74.76% |
| Liquid assets / assets | 46.23% (p83 of band) | |
| Uninsured deposits / deposits | 25.63% (p77 of band) | 16.74% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p6 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.78% (p70 of band) | 9.77% |
| Unrealized securities loss / equity | 1.46% (p33 of band) | 2.98% |
| AOCI / equity | -0.37% (p44 of band) | |
| ROA (annualized) | 0.99% (p65 of band) | 0.80% |
| Net interest margin | 4.44% (p92 of band) | 3.52% |
| Efficiency ratio | 57.04% (p17 of band) | |
| Noncurrent loans | 1.72% (p55 of band) | 1.55% |
| Net charge-offs (annualized) | -0.04% (p7 of band) | |
| Reserve coverage of noncurrent | 54.19% | |
| Real estate % of loans | 77% | |
| Construction % of loans | 16.04% (p30 of band) | |
| Auto loans | $82,000 (0.06% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 3.0% | |
| Employees | 44 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | leverage <7%, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 1 |  | leverage <7% |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |

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

- 2018-07-12 [Bank of Tucson sold, name will change - Arizona Daily Star](https://news.google.com/rss/articles/CBMigwFBVV95cUxOZjREUjExY0dDVUlVUTRqb244SkQxbVR1TEM0MmFHNkJiV2JfdlA0NVFYaTBnc0pCZVkxMWRuckNTVFhObVk5X2ZrQW5vNnJpd0xpSHNIdjdma3dmV1g0SDk4X0h2QXd1MUNPYXY1UTlvOHJmaW1rcVlaMlBkT2xETkZDWQ?oc=5) · Arizona Daily Star
- 2010-08-20 [Sale to make Bank of Tucson, Southern Arizona Community Bank more 'local' - insidetucsonbusiness.com](https://news.google.com/rss/articles/CBMi9AFBVV95cUxOS2hUMUtEVDlVMGxFb2phOHN3V09uVXZ4cEtCWFN3TWx2eENEZ0dhZnJfdDh5TkxUMU5Za2U2SWkwZTZfMC1xWE90V2dYX2NsRzZVRnZtcVI3X1p2OTU1QjB5Qkx0RDlpTlgzc3ZzMDFWX1ppNTFTTW9wUFltNEUxSXRkS1dYQ2M0SndFR2NQNnQwUGduYXJvVkFnWXFxcUVlcXBwanpWT3p3YkRCQWZqTF9UaHRnME85ZDUzbXRIRi0xeS1jcVhrOVVIdTd6dEVfTnE5cmlkN2hZYnFVZElvSENvYlpuYzZCN0UxdlRHTE1IUmRj?oc=5) · insidetucsonbusiness.com
- 2004-11-03 [Banking on Suns’ Success | Phoenix Suns - NBA.com](https://news.google.com/rss/articles/CBMiXkFVX3lxTE53NU9zSjdrWml0NUgyVnk2MnQ5dW5lcmdfRDEtazdWWmkySzJHZmR0T0pHQXdOLXRQX0hkNHo1M1BVdVVRTTRXMkoxcnJNQWdzMl9zSFk4SDBGQXBia3c?oc=5) · NBA.com
- 2022-09-14 [Phoenix Suns owner had difficult relationship with fans before suspension - Axios](https://news.google.com/rss/articles/CBMiogFBVV95cUxQTXhpZ2o4QW1pTEtDWnN2cjhFYmExQnVBUXJZeE9KMGVkQmtwWUxKenZQSFVFUHhtMjN1UkVTVy0xZURtQ05DTTJmOUlmb1l5bS1xLUU1UmYwUm5xeUhqN3lDNl90MUxWbmZuMXR0aUZrSzl0OGxlYXBfNjhsajJIc2NnckpKUk1ONy1XRVdGdHVmZ2ZOUTJqUVpCTHAwUFdYVHc?oc=5) · Axios
- 2012-01-31 [Biltmore Bank acquired by Grandpoint Capital - The Business Journals](https://news.google.com/rss/articles/CBMimAFBVV95cUxPYlVxS2M5VHBKYWd0akhLOGFENGtSS2RySUZXYUtKOWdGTnR3ODZJaUpteF95MmZWSG9xaDhlTkxMSHpGc216WmloenQwWDRleXJJTlZsMEUwVHBIWlhKcjRvOThHbFN3NUZZNWFXSjRTYzVlZ0N0UVhTYUd3X3YzOFBqenJEdWxydnlaMlg1VjAwSFUtQWVNWQ?oc=5) · The Business Journals
- 2010-08-19 [After 12-year hiatus, Click back in banking business - Arizona Daily Star](https://news.google.com/rss/articles/CBMizAFBVV95cUxPUEtRLW9XcUtFZTIzME14NmpTREpwTzR5bWdwQi1WRjh2MFFBdjFQSnltbDk3bXprRFEwV1VOcVlSMHFMWWlMM21nQzdwN3RmdkRLSW1EWVRMSzNXRlg0Q2drU3BDblpIOUhwWWl0cEl3eW1JemZZcnNYSUd6ZWUwUzZhMjBEN3JCWHpzRWRLMFBRR2xrN0lDN0h1aWEzaTdZQkRQcmRueERsSkNLZUF3NmZWU2Jxd0h1MXgxam1Xd0lFMGhGQzNBR0lwTlo?oc=5) · Arizona Daily Star
- 1981-08-09 [Headliners; No Two-Bit Crook (Published 1981) - The New York Times](https://news.google.com/rss/articles/CBMihwFBVV95cUxQLVRqQldJRHhyVHQ1VDl1MWZLY1RMLTFwajVuOUtYd0NpMzJqSE9QM2ZCVHRvcWRzSHJUSWhmWHBBbU4wM3lEdWlLenNZY0JDVWdLc1A3bDlDcTUyc3RIb2kxWHBsU2NTOEtRazJ5YU9jd0dTaUlfcWt4N2EwTUNNWHBVM1dSTDA?oc=5) · The New York Times
- 2010-10-22 [A look back: July 27, 1998 through Dec. 13, 1998 - insidetucsonbusiness.com](https://news.google.com/rss/articles/CBMi3gFBVV95cUxQdEVNX2V2Q1hublZPRTlCQjF1WkZqSEctNnRfWm5tdFJxRkpKYjJvSGQ0VmxUSzBUUFpDZTVPRmZDZ0xRbjc1aS1UMjAtWTZBdEFaUTNVeVl5LTNVN05YMzNkT0RNcXNzV3NNVm9TYXl4ZWdfdTJ6dy1tVTRzM0twU0VkOGhQOFVwRC1MY1ZFMnUydFEzTmp1TkdJYmV0eTNWeWx5MEFrVkJhZ3VvMEltYkt3OVRldXpyRjRCMFpKMTBmeVVqalZBWkxqX3gzcmd0Y2ExUFVaRTkxcGFPdkE?oc=5) · insidetucsonbusiness.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34708 (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/20.json (key "34708", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide