# NEVADA COMMERCE BANK
LAS VEGAS, NV · FDIC certificate 35418 · asset band <$300M · latest filing 2011-03 · FAILED

**Verdict on the desk:** this could be *credit-stressed*. Composite score 8 (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 | $135.1M | |
| Deposits | $128.6M | |
| Loans and leases | $84.2M | |
| Total equity | $2.3M | |
| Loans / deposits | 62.43% (p33 of band) | 70.88% |
| Liquid assets / assets | 19.84% (p17 of band) | |
| Uninsured deposits / deposits | 17.63% (p87 of band) | 7.86% |
| Brokered deposits | 7.60% | |
| Wholesale funding | 10.07% (p80 of band) | |
| FHLB advances / assets | 2.22% | |
| Tier 1 leverage | 1.70% (p0 of band) | 9.71% |
| Unrealized securities loss / equity | -3.66% (p9 of band) | 0.79% |
| AOCI / equity | -0.78% (p6 of band) | |
| ROA (annualized) | -3.22% (p2 of band) | 0.66% |
| Net interest margin | 3.18% (p18 of band) | 3.79% |
| Efficiency ratio | 346.35% (p100 of band) | |
| Noncurrent loans | 10.71% (p96 of band) | 1.53% |
| Net charge-offs (annualized) | 0.01% (p43 of band) | |
| Reserve coverage of noncurrent | 43.86% | |
| Real estate % of loans | 82% | |
| Construction % of loans | 578.63% (p100 of band) | |
| Auto loans | $35,000 (0.04% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | – | |
| Employees | 31 | |

## 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`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 8 | leverage <7%, leverage <5%, losing money, expense ratio p90, noncurrent p90, reserve under noncurrent, construction >100% equity |  |

## 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
- 2011-04-09 [Nevada Commerce Bank fails; L.A. bank to assume all deposits - Las Vegas Review-Journal](https://news.google.com/rss/articles/CBMinAFBVV95cUxPd3lnckE3S3phSWdFQlJxb0JXNXlvU3pUazNrWkZWV3JPTlo4dGNWN25Vek5wMDRRTHFyaUlxQW1uRlJnN3gzeUVuTDdsdUFMWEpxbE9sUXFYRVFxelgyZ0JfMHgwR1Ftano2WHdaTGh3MHBMZ2Uwd0c1MzhpN3g1cTliSklwTjY3bUQ5ZXJfVGxacllRdFh0X25iN3k?oc=5) · Las Vegas Review-Journal
- 2014-09-26 [Business Hall of Fame Inductee: Claudine Williams - unlv.edu](https://news.google.com/rss/articles/CBMiY0FVX3lxTFBvY0RBVFAzYncxdGY3YVN6amZLNVpPMnJvMURHMVJSU0pLME5pOG94SXdYOWJQUDczZHNSM1g4bENUa2NEbUtGMGh2SU42WTZTR3FYVENNRnVBOWV6bHYwcGhCYw?oc=5) · unlv.edu
- 2025-03-05 [Meadows Bank appoints new executive vice president, branch administrator - Pahrump Valley Times](https://news.google.com/rss/articles/CBMipwFBVV95cUxOZURxdzFtYmp5Tk9USkNITF8xaHkxVFRzV05rSS1ycVhJV21nNW14YUVwWXNkLWNuZWhhUGtBQjRpMUVpQUhzbTFCWEsyTkpGcmM1RnJxX29LR25PSG5QbXo0X0ZxdnlsZ3A0UkhLdGJwbkN2WG9BczdOWGlyc21ERkhGT1hXcEVhMnh2dnFsS0h6WkhSUFYwdnVtLTM3eWJ5NDREeFE5TQ?oc=5) · Pahrump Valley Times
- 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
- 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
- 2024-04-16 [Las Vegas real estate market crash toppled plenty of banks - Las Vegas Review-Journal](https://news.google.com/rss/articles/CBMisgFBVV95cUxNc1JwdkNBb2pLQkRobE9lQ2doaTBVWE9FaTRIV3RvRWhySDB4cGZFYlBhUzRDMVZPa3NjalB2NGFrMl9DMS1IWVNWU1h2MDZST05yTHVra2kyTlBJQnBJZUhNRkRHRDY4dUpEYk5Fa2thaDBqRGJfcWRDRHRadW1EYzUyUmFNYlZiTFpObHZvcXpvVEl0VF9MVEJtSHMxYUVvbE41TC1pM0JoSHU3MkhTS0VB?oc=5) · Las Vegas Review-Journal
- 2023-03-13 [The collapse of Silicon Valley Bank: What does it mean? - CBC](https://news.google.com/rss/articles/CBMifEFVX3lxTE5hczFoVGFySV9FMFdlRk15bUt0YWYyc0p5aEdqMmU1cjJ5ejJsaEtBZWZzQ1hZdnRzS0dRa3FUZmFNeXRRTDJ2R3lRc1dkMlZHX0d0Vk9zZWtXR05WencydFk0dFdYN0NKbG9HM0s4bE1TbGRzU3JEWHdMb2w?oc=5) · CBC

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35418 (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/26.json (key "35418", 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