# FARM BUREAU BANK FSB
RENO, NV · FDIC certificate 35157 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *auto lender*. 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 | $1.06B | |
| Deposits | $906.5M | |
| Loans and leases | $714.8M | |
| Total equity | $103.1M | |
| Loans / deposits | 77.71% (p28 of band) | 87.10% |
| Liquid assets / assets | 29.85% (p76 of band) | |
| Uninsured deposits / deposits | 16.82% (p12 of band) | 30.76% |
| Brokered deposits | 0.65% | |
| Wholesale funding | 3.01% (p35 of band) | |
| FHLB advances / assets | 2.36% | |
| Tier 1 leverage | 10.09% (p39 of band) | 10.50% |
| Unrealized securities loss / equity | -8.60% (p46 of band) | -7.75% |
| AOCI / equity | -1.37% (p11 of band) | |
| ROA (annualized) | 0.38% (p6 of band) | 1.26% |
| Net interest margin | 3.96% (p66 of band) | 3.70% |
| Efficiency ratio | 80.79% (p93 of band) | |
| Noncurrent loans | 0.79% (p65 of band) | 0.51% |
| Net charge-offs (annualized) | 0.74% (p97 of band) | |
| Reserve coverage of noncurrent | 182.92% | |
| Real estate % of loans | 32% | |
| Construction % of loans | 17.29% (p15 of band) | |
| Auto loans | $184.9M (25.87% of loans; DQ 1.49%, NCO 0.07%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | -4.5% | |
| Employees | 187 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)
- **charge-offs p90** (`aq_nco`)
- **auto book souring** (`conc_auto`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 6 | brokered >10%, wholesale funding >15%, liquid assets <10%, securities losses >30% of equity, charge-offs p90, auto book souring |  |
| 2011-06 | 7 | loans exceed deposits |  |
| 2011-09 | 6 |  | securities losses >30% of equity |
| 2011-12 | 6 |  |  |
| 2012-03 | 6 |  |  |
| 2012-06 | 6 |  |  |
| 2012-09 | 6 |  |  |
| 2012-12 | 6 | capital falling | charge-offs p90 |
| 2013-03 | 6 | charge-offs p90 | capital falling |
| 2013-06 | 6 |  |  |
| 2013-09 | 7 | capital falling |  |
| 2013-12 | 7 |  |  |
| 2014-03 | 6 |  | capital falling |
| 2014-06 | 6 |  |  |
| 2014-09 | 7 | capital falling |  |
| 2014-12 | 6 |  | capital falling |
| 2015-03 | 6 |  |  |
| 2015-06 | 7 | capital falling |  |
| 2015-09 | 7 |  |  |
| 2015-12 | 7 |  |  |
| 2016-03 | 7 |  |  |
| 2016-06 | 7 |  |  |
| 2016-09 | 7 |  |  |
| 2016-12 | 6 |  | capital falling |
| 2017-03 | 4 |  | liquid assets <10%, loans exceed deposits |
| 2017-06 | 8 | loans exceed deposits, liquid assets <10%, deposits shrinking, assets shrinking |  |
| 2017-09 | 8 |  |  |
| 2017-12 | 9 | losing money |  |
| 2018-03 | 6 |  | deposits shrinking, assets shrinking, losing money |
| 2018-06 | 6 |  |  |
| 2018-09 | 7 | uninsured deposits leaving |  |
| 2018-12 | 6 |  | uninsured deposits leaving |
| 2019-03 | 6 | capital falling | liquid assets <10% |
| 2019-06 | 5 |  | loans exceed deposits |
| 2019-09 | 7 | loans exceed deposits, liquid assets <10% |  |
| 2019-12 | 4 |  | capital falling, loans exceed deposits, liquid assets <10% |
| 2020-03 | 5 | losing money |  |
| 2020-06 | 5 |  |  |
| 2020-09 | 5 | deposits shrinking | losing money |
| 2020-12 | 5 |  |  |
| 2021-03 | 5 | expense ratio p90 | deposits shrinking |
| 2021-06 | 2 |  | brokered >10%, wholesale funding >15%, expense ratio p90 |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 | capital falling | auto book souring |
| 2022-06 | 5 | loans exceed deposits, expense ratio p90, auto book souring |  |
| 2022-09 | 5 | wholesale funding >15% | loans exceed deposits |
| 2022-12 | 4 |  | wholesale funding >15% |
| 2023-03 | 2 |  | expense ratio p90, auto book souring |
| 2023-06 | 3 | auto book souring |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 3 |  |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 2 |  | capital falling |
| 2024-12 | 2 |  |  |
| 2025-03 | 5 | expense ratio p90, deposits shrinking, assets shrinking |  |
| 2025-06 | 5 |  |  |
| 2025-09 | 5 |  |  |
| 2025-12 | 5 |  |  |
| 2026-03 | 5 | capital falling, losing money | deposits shrinking, assets shrinking |
| 2026-06 | 3 |  | capital falling, losing money |

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

- 2020-03-17 [Resource Guide: Where to find food, cash assistance and other help during coronavirus outbreak - The Nevada Independent](https://news.google.com/rss/articles/CBMizgFBVV95cUxQMUd1ZVp3ckViX0RBNmt1Tk5NQndRZnBPSDVJMzFjRTBPQXpob3lHSm9Tb2FQUHJNT0JjQmh0djdZeVhVclRWTlBSZ2NZc04zTnVBWHd3ajJxTTZfRnl3TDcyWHNvdlpKT2dwZmp1M1pmN2Z5cy1YWERFbU0wZGZLTFUyTmdrdVdvNlBlNnJwNHA2ajFzbk41cVd2bDlxT002czJGdE5XdjFiNk5jckNoR01qQlZvOF82MU9YbkdjSm4zNF93clh0YlhGam82Zw?oc=5) · The Nevada Independent
- 2023-08-01 [The Cost of Living in Las Vegas - SmartAsset](https://news.google.com/rss/articles/CBMicEFVX3lxTE9yYU9XOVhVZnFqVS00TDRackNJQVRjVDBoaDNRdVRTcmVkTXFnX0NSbXJya0NkcDd4cTdGQngwVlR4UTVYSjlLZjdiMllwZlN0T2V3ZWs3N0dHbkJqUk9PanFEd1ZSRkF3MmNZbWVVeDU?oc=5) · SmartAsset

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35157 (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/21.json (key "35157", 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