# SUNRISE BANK OF ALBUQUERQUE
ALBUQUERQUE, NM · FDIC certificate 35428 · asset band <$300M · latest filing 2013-12 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 12 (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 | $40.8M | |
| Deposits | $39.8M | |
| Loans and leases | $32.6M | |
| Total equity | $886,000 | |
| Loans / deposits | 78.17% (p66 of band) | 69.26% |
| Liquid assets / assets | 17.90% (p14 of band) | |
| Uninsured deposits / deposits | 3.46% (p9 of band) | 12.49% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.17% (p37 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 2.08% (p0 of band) | 10.29% |
| Unrealized securities loss / equity | 0.00% (p68 of band) | -1.01% |
| AOCI / equity | 0.00% (p91 of band) | |
| ROA (annualized) | -2.53% (p1 of band) | 0.76% |
| Net interest margin | 4.06% (p73 of band) | 3.63% |
| Efficiency ratio | 168.78% (p99 of band) | |
| Noncurrent loans | 8.69% (p98 of band) | 0.94% |
| Net charge-offs (annualized) | 0.15% (p66 of band) | |
| Reserve coverage of noncurrent | 53.49% | |
| Real estate % of loans | 91% | |
| Construction % of loans | 514.79% (p100 of band) | |
| Auto loans | $17,000 (0.05% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -15.3% | |
| Employees | 12 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 10 | wholesale funding >15%, leverage <7%, leverage <5%, losing money, expense ratio p90, noncurrent p90, charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 9 |  | wholesale funding >15% |
| 2011-09 | 10 | capital falling |  |
| 2011-12 | 9 |  | capital falling |
| 2012-03 | 10 | deposits shrinking, assets shrinking | charge-offs p90 |
| 2012-06 | 11 | capital falling |  |
| 2012-09 | 11 | charge-offs p90 | capital falling |
| 2012-12 | 11 |  |  |
| 2013-03 | 10 |  | charge-offs p90 |
| 2013-06 | 10 |  |  |
| 2013-09 | 12 | capital falling, uninsured deposits leaving |  |
| 2013-12 | 12 |  |  |

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

- 2014-01-17 [Billionaire-backed company closes on purchase of Sunrise Bank - The Business Journals](https://news.google.com/rss/articles/CBMinwFBVV95cUxQUC15UXoyQmVoRFM5UVlrdlJuQ244SDJfZUJjLTBZUVlGXzM4M1NVaVJZZUlnQUlRVklPT0JHWnFaVjhFYVZJdHVTTl82NHoyRnpSZU53dnNfaDBLUjRDSndQODRLeTZKTWlPVkQwOFlJVjN0N0dVSVh1eVJ3cTY1NThIeWFyYzJRbGpOZS1xMUo2c0FwLXBSNlpnYWVLUVk?oc=5) · The Business Journals
- 2025-04-10 [Janis Wainright Obituary April 10, 2025 - French Funerals & Cremations](https://news.google.com/rss/articles/CBMiaEFVX3lxTFBrZ0ZBS0JMR05aemFYc21jM1JhNTdZS1pWV3QyREw1anpzNEVRRUhkM0I0NTRVNDNPV2RXRVdrRTdNeTZFSGxuT21ZUkY5RVI0a1VKZXJPREpmVDk3eDlFajV3ZmpBanlt?oc=5) · French Funerals &amp; Cremations
- 2017-04-08 [Bank of Las Vegas being sold to Michigan bank holding company - Las Vegas Review-Journal](https://news.google.com/rss/articles/CBMiowFBVV95cUxOUkUtWGRnci1fY09wTTdPcGhqTFhpZzM3WkJKZ2VIWXNoc3BqMTg4ekJCam04X2RVODJ5VnJDZ2UtOUVuRUpoRVZxNWstUU9BSmRpMm9sOHdkUUR4OGtjUDFZUm1aUGEyVDhQNTBTWnhTWXJEX0VWVUF6cVpRZXdfUnQyaFppeFFha2hqc0xlWDVmYVBZcEIyNUZLMVlxcDgtNWpZ?oc=5) · Las Vegas Review-Journal
- 2013-05-15 [Regulators shutter banks owned by Sunrise's parent company - The Business Journals](https://news.google.com/rss/articles/CBMingFBVV95cUxQZ0NUNVpjS3pBdHdlSHdNODRSaGdyT2Q3bXk3TjFPWmxLSnJsMHdnckt0MU1BMTFURUt4Q1EwQTZqd0R5QW5PQTRucnd4djdMblRrNERjTndBdW5POFkwYVlGaGJxRC1qYXBIWW1sM0tnSmJOU2ZLbVFfa2pGOE90QTFMYXowV0pRZEY4VVdWVUFOZ1F6NlFOSER5MGxtdw?oc=5) · The Business Journals
- 2012-08-10 [Sunrise Bank parent files Chapter 11 - The Business Journals](https://news.google.com/rss/articles/CBMingFBVV95cUxNNmstU2FEVGtFTF9VUS1UQ0JGbHhLN1Q0UlNSUFd6UEJ0X0t6NjktWHNtRE5lTjN2NlhmWk9rSVY3MmdSUl8xWkpCMmVTZjhGUmpDSXlqQzN4ZHhoZjFlQVpkT1Y2NllxbDZHMGczcDdWYU5YX2tDTzhrcXhrM2pQcU80MVlFLW5qVFRTMkVrUUd2V2dXSm1YRHhONGd0UQ?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35428 (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/36.json (key "35428", 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