# FOUR CORNERS COMMUNITY BANK
FARMINGTON, NM · FDIC certificate 35441 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $662.3M | |
| Deposits | $569.1M | |
| Loans and leases | $450.3M | |
| Total equity | $57.3M | |
| Loans / deposits | 77.82% (p41 of band) | 82.04% |
| Liquid assets / assets | 31.32% (p67 of band) | |
| Uninsured deposits / deposits | 32.96% (p74 of band) | 25.97% |
| Brokered deposits | 3.72% | |
| Wholesale funding | 8.39% (p72 of band) | |
| FHLB advances / assets | 2.26% | |
| Tier 1 leverage | 9.62% (p26 of band) | 10.81% |
| Unrealized securities loss / equity | -10.55% (p41 of band) | -8.10% |
| AOCI / equity | -1.16% (p19 of band) | |
| ROA (annualized) | 2.06% (p88 of band) | 1.28% |
| Net interest margin | 4.23% (p69 of band) | 3.91% |
| Efficiency ratio | 52.30% (p23 of band) | |
| Noncurrent loans | 0.35% (p45 of band) | 0.43% |
| Net charge-offs (annualized) | 0.12% (p86 of band) | |
| Reserve coverage of noncurrent | 467.07% | |
| Real estate % of loans | 65% | |
| Construction % of loans | 33.89% (p41 of band) | |
| Auto loans | $419,000 (0.09% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $18.3M (32% of equity) (p99 of band) | |
| Deposits YoY | 14.2% | |
| Employees | 87 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 1 | reserve under noncurrent |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 | charge-offs p90 | reserve under noncurrent |
| 2013-09 | 1 | wholesale funding >15% | charge-offs p90 |
| 2013-12 | 0 |  | wholesale funding >15% |
| 2014-03 | 2 | capital falling, reserve under noncurrent |  |
| 2014-06 | 0 |  | capital falling, reserve under noncurrent |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | reserve under noncurrent |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 2 | noncurrent p90 |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 3 | charge-offs p90 |  |
| 2016-09 | 2 |  | charge-offs p90 |
| 2016-12 | 2 |  |  |
| 2017-03 | 3 | charge-offs p90 |  |
| 2017-06 | 2 | capital falling | noncurrent p90, charge-offs p90 |
| 2017-09 | 1 |  | capital falling |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | noncurrent p90 |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 3 | charge-offs p90 |  |
| 2019-06 | 3 |  |  |
| 2019-09 | 3 |  |  |
| 2019-12 | 4 | capital falling |  |
| 2020-03 | 2 |  | charge-offs p90, capital falling |
| 2020-06 | 3 | charge-offs p90 |  |
| 2020-09 | 4 | capital falling |  |
| 2020-12 | 3 |  | capital falling |
| 2021-03 | 3 |  |  |
| 2021-06 | 2 | capital falling | reserve under noncurrent, charge-offs p90 |
| 2021-09 | 1 |  | capital falling |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | charge-offs p90 |  |
| 2022-06 | 3 | AOCI drag >20% of equity |  |
| 2022-09 | 4 | securities losses >30% of equity |  |
| 2022-12 | 2 |  | noncurrent p90, charge-offs p90 |
| 2023-03 | 1 | charge-offs p90 | AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-06 | 2 | securities losses >30% of equity |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 1 |  | securities losses >30% of equity |
| 2024-03 | 3 | noncurrent p90, reserve under noncurrent |  |
| 2024-06 | 4 | capital falling |  |
| 2024-09 | 4 |  |  |
| 2024-12 | 3 |  | capital falling |
| 2025-03 | 3 |  |  |
| 2025-06 | 4 | capital falling |  |
| 2025-09 | 3 |  | charge-offs p90 |
| 2025-12 | 3 |  |  |
| 2026-03 | 0 |  | noncurrent p90, reserve under noncurrent, capital falling |
| 2026-06 | 0 |  |  |

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

- 2021-10-27 [Four Corners Community Bank Selects Upstart for Personal Lending - Upstart](https://news.google.com/rss/articles/CBMiuwFBVV95cUxPMXlSWkRGUkRVdEh4b0RsSXJoSWtkZlppSGhrMWdoaEIwdlpXVEw5Wnk5OG90WTJzWkhmLU8tZjFudVV6b3I2d0E0ZDdTeWpWWTZWc3p3UEtmNUxzLXlodkZabl8yUXdKRHdFa2ZvbzNpTkFVVWZzT3Etbnp4UzF0SlJnc01EMEpOVWdxX1R6LWFfOGxhdUF5UHgwSzJ2RWwwQm4yYXJMX0hOTGtiLWtRSHZ1cTNPcXhSTnpF?oc=5) · Upstart
- 2019-09-25 [Four Corners Community Bank welcomes new Cortez market president William Galloway - Front - The Journal](https://news.google.com/rss/articles/CBMiuwFBVV95cUxPMzE3U3RTZXptcnRQejJmU0xyZlV6Z2VsOVBGa25MY21WbFBNd1FURGxBUVA5YVBRWUlUZVdjRTg4dW16Y1Z5ZFVIVVYzTHBTdDFrLXM5QWZMc04tRzk0em5FX3l1cGt4cm1UbzZaMGdxdUg0SHpiZzFwelR3czFZNXJVdWJLOWVhNmNRdmt6bnN1UlNFNDItaDdKQ013MmJiY3dJZ01kT3BwQ3hIOFVGT0xObXYxVFlLXzdj?oc=5) · Front - The Journal
- 2015-10-09 [FBI Media Alert: Woman Robs Bank in Aztec, New Mexico - fbi.gov](https://news.google.com/rss/articles/CBMixwFBVV95cUxNYTVZcVpFWTdsSlRiQlc4TTByb1FudXM5ZzlUblRGUXZreWhnMkdOcnJBbWtId0FuaFUyY2F0b0tmX29YTG8zTGJMZHhKUUl1cXM5Tl95bmhKRjA0UEcxa2Mzb0l3NjA1OVMxZXliQ1ozSDU4cFJ2S1NNT29CanA4RURUaG9Vei1RYWhGUHdJVzlpRE56ODFwaTZIUEx4X0dBYjhDdG44aTdLR2ZQY1N3V3gzcGpTWWtRVnpjVllIM1pLUjU3UGNn?oc=5) · fbi.gov
- 2014-09-30 [Ten banks hold 70 percent of NM deposits, FDIC reports - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQZ29Eb3FDeFRGTWhRWGpmZ2twNlpXMWc3MHRabS1mNUhKLW41MUdPNmVzSkZwVkwyNlhYMVVVeVl2UTAxLUZiMVYwN0pwM2NZRzZYYXoxUUQxUDlydExHRDBqUkxzZjIwTi03ZHJ4dFBSSXNPdUJ5bHJSVzlkRnJHUTBaRkxYc1Q5X3RGRXNYQVMyYWluYVJLamlNRGtNUmlVcktNWF9TQ2Jrdw?oc=5) · The Business Journals
- 2021-07-02 [Joe Carroll Keesee Obituary Jul 2, 2021 - Ertel Funeral Home](https://news.google.com/rss/articles/CBMib0FVX3lxTE5QZDN5WnNWYlJzM2RhSlIzbkJ0a3NzY1VGX0U5MlFBQXlDR25yMjNDVGNJc0ZQQXBWS2haV0hrakhMSXZuZ1Q5SjZzcmhWVlNFUG11dWhxSy0zZmNIaUNwd0hNWHk5ZGs2am5YdzZYYw?oc=5) · Ertel Funeral Home
- 2018-09-20 [Four Corners Community Bank welcomes Belinda Archuleta to Cortez lending team - Front - The Journal](https://news.google.com/rss/articles/CBMitgFBVV95cUxNSFRZcUtvcEo0Q0FQWFV1QnRXYjdMWHg1ZlhBR2hBQkRST0dRRGh5bTRFc0IwSFhvME5CMUQ1S0JUZG9NYTNIWEFFM1JvUmgybTZFd2RGUTBGVkUtdmloWjJZdVdoanBCM2RYQk1scVdvSHlZZ1YtQU9PRTNrVVFmekstcVRLUjhPSDdsWmlkRlZtR3ZSOVliZmpNbVlHamhvT3ZhOFFsZUJWTGhrUmRsek5fajNBZw?oc=5) · Front - The Journal
- 2018-09-20 [Frank Macaluso Presented with the Albert Nelson Marquis Lifetime Achievement Award by Marquis Who's Who - 24-7 Press Release Newswire](https://news.google.com/rss/articles/CBMi7AFBVV95cUxQd1BOcUMzQWJoTkJDdFg5c05fV3JOTEpQRmFLQnlUeFhBQl9jbF9fd0U5SXh1QjU5aHZiRi1IV3NzMm9GbTFBd2M2NkFyVFJLX3B2RS1SMGhfOFdOZDFoQkdYUW1SaEdJQ0dOODRnTm9DakFqOXVNMEpFM1pIQmRKcENtdUVhS0FGZFo2bTVGYUREY2wzcGxuMERZdnRfU3A3ZDM4R0pXUXdBejFnS3lKYWY4YXY4dHJyaUhHbUY1T0NUTXNXeGhTVVZnSmE4em9Ia25HY0dIZ2NyTGNYRGxVTVo5QXN3em93NlhDSQ?oc=5) · 24-7 Press Release Newswire
- 2020-03-12 [Woman accused of forgery, attempted fraud from groups, including a church - Milwaukee Journal Sentinel](https://news.google.com/rss/articles/CBMixAFBVV95cUxNZjFueHJCaTdNeGZTdDU5OFJmRzNESXVBZm9JR3dmNUU3aVdCaHlyYmVQNjZwWDItX3pLZFJHRl9OU1JrTnk3eHlGdVZseklUdWQyN1Z6N0g4LUpIQmk2Wk5Dek1LaDZEYnRMUEphVWk2WW1Ydk1OeGRWQ21tVmh3QTdIaFo4Nkt3ZFVGOVVCcWNOOGNSM0FxN1NnTlc2ZmdUUWNDR3phQXZSdFRHV2JldkplRHB5Q3M3ZktkZVUwbEl3MDVw?oc=5) · Milwaukee Journal Sentinel

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35441 (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/49.json (key "35441", 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