# BANK OF THE SAN JUANS
DURANGO, CO · FDIC certificate 34873 · asset band <$300M · latest filing 2012-03 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (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 | $236.7M | |
| Deposits | $186.9M | |
| Loans and leases | $134.7M | |
| Total equity | $27.8M | |
| Loans / deposits | 69.75% (p54 of band) | 67.95% |
| Liquid assets / assets | 38.09% (p55 of band) | |
| Uninsured deposits / deposits | 13.92% (p76 of band) | 8.38% |
| Brokered deposits | 12.08% | |
| Wholesale funding | 20.95% (p97 of band) | |
| FHLB advances / assets | 8.87% | |
| Tier 1 leverage | 8.61% (p25 of band) | 9.95% |
| Unrealized securities loss / equity | 8.89% (p84 of band) | 2.77% |
| AOCI / equity | 0.64% (p90 of band) | |
| ROA (annualized) | 1.20% (p73 of band) | 0.78% |
| Net interest margin | 3.95% (p61 of band) | 3.77% |
| Efficiency ratio | 55.75% (p14 of band) | |
| Noncurrent loans | 0.64% (p32 of band) | 1.40% |
| Net charge-offs (annualized) | -0.20% (p3 of band) | |
| Reserve coverage of noncurrent | 501.16% | |
| Real estate % of loans | 93% | |
| Construction % of loans | 131.26% (p97 of band) | |
| Auto loans | $178,000 (0.13% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 3.0% | |
| Employees | 44 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | brokered >10%, wholesale funding >15%, construction >100% equity |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 4 | capital falling |  |
| 2011-12 | 4 |  |  |
| 2012-03 | 3 |  | capital falling |

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

- 2026-06-03 [Collegiate Peaks Bank names Peter Geronazzo regional president in Colorado Springs - ColoradoBiz](https://news.google.com/rss/articles/CBMinwFBVV95cUxPQlo5UU9DQUFOZ0wwNk9scmRMUHBWaGU4MGJpUWloTm9lbzhGbnNrS3JvbE9JSUJFdkFORWh1b2R0LUZMWVREbGFNWUtXSnVoQjVRdEQzdHlfRjFpbTBaWnFYZDk2aU5BU3l4SHc0SVdOLTRwekpUcEJ4V1JCRERfT3lJQURNZlc0QmVNSFE3MERadGg5VFk5N0xGa1FMT28?oc=5) · ColoradoBiz
- 2026-08-31 [Glacier Bancorp Selects Byron Pollan to Become Deputy Chief Financial Officer and Succeed Ron Copher as CFO of Glacier Bancorp in 2027 - The Manila Times](https://news.google.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?oc=5) · The Manila Times
- 2026-06-24 [Applewood Fire cleanups halted on Wednesday after asbestos found at mobile home park - KKTV](https://news.google.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?oc=5) · KKTV
- 2022-02-07 [Robbery at Bank of the San Juans being investigated - WesternSlopeNow.com](https://news.google.com/rss/articles/CBMiogFBVV95cUxNd0Z6aTJQbU1MQ01Vak1Pc0RPa0xKSy1fdXZ1dWxwNl9pUjhlaTFHQTh6OHBReUZlNnBXREtyTW5iaXdDWFJCX0dWTlhaOGs3THZqNmVTamdJZkV1QmhkemJER3VSUzVxN3gzYmxkR1ZEbUdZeld1bXF3YnZIeFZXcXhHblV6WWpDaGlTWGh4VkRhaTI5SFRuN04tRjBMN3RmalHSAacBQVVfeXFMTjBjdC04c1kyQ0c4d1JmaVhmYjZlTFQyeVhnaEwyalc1ZWJNVnFnVktWNUtmOVlYMDdSbENsVUQ2SVRTeXRqU0NMU0ZrU0F5X1VidnJRU1FRbEVXdUVwYl8zakpDcmp2WE9SX1VJWGd4VWlKTlluNDkwXzJRUnZxMEFrZW1vcl9ZbzR2NkFvd0ZjOHdjZ2NzV0Qtb1llX3htTzFCRURBSHc?oc=5) · WesternSlopeNow.com
- 2014-09-05 [First National Bank of the Rockies becomes Bank of the San Juans - Steamboat Pilot](https://news.google.com/rss/articles/CBMiowFBVV95cUxOWFVrakRDZFh6b2NBVjF4UEJEY3FNUXFGV0VvRU5Hb3pENHZ6S3BldjNDTE9XXzU4SGhMRllfRWRDY2xtLXI0QllGZ1RzaTVyaWJiWThBOFp6RktaOFlfbldIUDN3c2oxMGVseGMxMmdFcllQZ2Rsbmd4SERJSTZISURERmZTS1A5ZF9fUUhZSjFXWWJ0QlVUSWx0M2RJMTl4WmRv?oc=5) · Steamboat Pilot
- 2014-09-16 [FNBR has new name: Bank of the San Juans - theheraldtimes.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxOZ2FvRVotUlRCWmRnbGZ5QkNhaUFiajZYWFRHRzVYVkRVLThYd3BHdVFUbVRfMXA3VlF1dFVMbFQ0bzNlTVdVUTZ0UEdNc1ZRQU5HZmVBRTBVWjIxcUFuVG4xbmk1V0pqcHlzX1k5OG1LbVFweENBVWZzaFpWbmNVYXZPNUY?oc=5) · theheraldtimes.com
- 2016-02-10 [Regional bank announces additions and promotions - thebusinesstimes.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxOc0FVRWVEbjFOTEJrdVNnVWRHUVR4WmxBbDNEeTJFWENQZjRzLUhTMERNazA3MUVRbFVFSlM4UkFSTGJHUWVGM2JmOXp5QzYxdkVnRXZrSlhKdzJLU0JGYVp0dTl1V0lNZVNIc0xadVRJY3EzZWhyeWhnTzhicEYteTZfemQ?oc=5) · thebusinesstimes.com
- 2018-05-31 [Banking on Pueblo West - Pueblo Chieftain](https://news.google.com/rss/articles/CBMijwFBVV95cUxON0sxU0dsX21BZHk2X0VabW5pTEMxZ0FpOEYzRE5LVUd0V0ZYYWhZQl9nSTVXdGxJN2ZTb1AzcHJXTGhybEZlOV9kRU81ZzJVLWc3N2t3Q0pkWllSLW1wWENzQzd6WVAzUlZUY19veUxNR0xIM0FTSW1Oa25XUG5mLTVLOTlzRmg2OVJaQ04xMA?oc=5) · Pueblo Chieftain

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34873 (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/57.json (key "34873", 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