# CANYON COMMUNITY BANK NA
TUCSON, AZ · FDIC certificate 35547 · asset band <$300M · latest filing 2023-06 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. 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 | $204.0M | |
| Deposits | $162.6M | |
| Loans and leases | $111.3M | |
| Total equity | $22.1M | |
| Loans / deposits | 67.95% (p49 of band) | 68.34% |
| Liquid assets / assets | 43.05% (p62 of band) | |
| Uninsured deposits / deposits | 40.60% (p93 of band) | 19.21% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 7.87% (p77 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.91% (p47 of band) | 11.20% |
| Unrealized securities loss / equity | -5.11% (p78 of band) | -21.45% |
| AOCI / equity | 0.56% (p54 of band) | |
| ROA (annualized) | -1.61% (p2 of band) | 0.98% |
| Net interest margin | 4.31% (p79 of band) | 3.56% |
| Efficiency ratio | 138.65% (p98 of band) | |
| Noncurrent loans | 0.00% (p13 of band) | 0.19% |
| Net charge-offs (annualized) | 0.00% (p27 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 91% | |
| Construction % of loans | 24.23% (p54 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -5.8% | |
| Employees | 26 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **deposits shrinking** (`shrink_deposits`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | losing money, expense ratio p90, reserve under noncurrent |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 3 |  |  |
| 2011-12 | 3 |  |  |
| 2012-03 | 8 | capital falling, noncurrent p90, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2012-06 | 7 |  | capital falling |
| 2012-09 | 5 |  | deposits shrinking, assets shrinking |
| 2012-12 | 4 |  | uninsured deposits leaving |
| 2013-03 | 4 |  |  |
| 2013-06 | 6 | capital falling, charge-offs p90 |  |
| 2013-09 | 7 | assets shrinking |  |
| 2013-12 | 7 |  |  |
| 2014-03 | 8 | deposits shrinking |  |
| 2014-06 | 9 | leverage <7% |  |
| 2014-09 | 9 |  |  |
| 2014-12 | 8 |  | capital falling |
| 2015-03 | 6 |  | charge-offs p90, deposits shrinking |
| 2015-06 | 7 | deposits shrinking, uninsured deposits leaving | losing money |
| 2015-09 | 4 |  | assets shrinking, deposits shrinking, uninsured deposits leaving |
| 2015-12 | 4 | uninsured deposits leaving | leverage <7% |
| 2016-03 | 4 | losing money | noncurrent p90 |
| 2016-06 | 3 |  | uninsured deposits leaving |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 | capital falling | reserve under noncurrent |
| 2017-03 | 3 |  |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 3 |  |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 4 | NIM <2.5% |  |
| 2018-06 | 4 |  |  |
| 2018-09 | 3 |  | capital falling |
| 2018-12 | 2 |  | NIM <2.5% |
| 2019-03 | 3 | capital falling |  |
| 2019-06 | 3 | deposits shrinking | capital falling |
| 2019-09 | 2 |  | deposits shrinking |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 3 | capital falling |  |
| 2020-09 | 4 | wholesale funding >15%, uninsured deposits leaving | capital falling |
| 2020-12 | 2 |  | wholesale funding >15%, uninsured deposits leaving |
| 2021-03 | 0 |  | expense ratio p90, losing money |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 2 | uninsured deposits >50%, capital falling |  |
| 2022-12 | 0 |  | uninsured deposits >50%, capital falling |
| 2023-03 | 0 |  |  |
| 2023-06 | 3 | losing money, expense ratio p90, deposits shrinking |  |

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

- 2023-04-21 [CrossFirst Bankshares, Inc. to Expand Arizona Franchise with Acquisition of Canyon Bancorporation, Inc. and Canyon Community Bank, N.A. - Business Wire](https://news.google.com/rss/articles/CBMimAJBVV95cUxPVUdNNFRzdS1QbVVJM1pfYmExN2J6bUp4RHllbXdEUGZkNUxTaUkwTlN6NnVuZWtqNzVHUDNNMlZ4OFU3Wk1QQ3UzZVpwaWhucktvX0hrRUdTbHNBV1p4bnBjcWF4ajRaWktveTNndmlkSnRiM1dkV202ZnJDZlZjTXczTF93WWdOQmVtUWVIUGdLbEJDUDliRnZPNHNROVpKYXpjcnVnLVBFNzRxaWYyNE15UTJnU21jcW1SMFhlcFViaFlCN3RUV2NCbXU0cUN4VmRSTURIWjdTU2tpRzE2c1ZyV1o4M1FyUEtLYWdUdHpZVmxDNzdJdnItdGxGRmZMazhfek1yZmRwVTZFSjZtcUdqTkpYc3c1?oc=5) · Business Wire
- 2023-03-31 [CrossFirst Bank Expands Texas Presence to Fort Worth - Business Wire](https://news.google.com/rss/articles/CBMirgFBVV95cUxQYXN0TGVhVTZ1TldlSTFZOS1ybkRYNmxLYjNNLVJyeF9uWlJHcTI4VW9QMHBRZ2kwUFpBTWppZ29aeGNmcTVFcm1oUTR1UDUxSFgtU19TRHZScFJtMjJlV2thTjY3M2ZRY1pOVkpDMVVLUFlxMDNDNTFXQm82cW9MTURfRVZNR1VwdW54ak5ub2FnMWtQTWZWOGJES3VIVlNjM2JpTWtLRDJxVzJDN2c?oc=5) · Business Wire
- 2021-06-14 [CrossFirst Bank Enters Fast-Growing Phoenix Market - Business Wire](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQbW11S01DNm9MR2FlQUdWZ0ZMU3VRWW05Z1FUX3BrNElEalJpTWNIUi1RQWlrVDZlcF9Ha24zNnpxbGwtemV1YVlsWHVTNHdfeUEtbnRLLXk1aWlOVzRPZjlxODN2QmhTejcyaklCX0ZIRnhXOWJjeHdUYk9CeDRDaV9VeHNnSWJTWUlabS1kQnZ0YVBFU2xETndIQWFDbXFjdnE2Y2NBQzZjeGs?oc=5) · Business Wire
- 2023-06-27 [Brendon Maguffee Joins CrossFirst Bank as Tulsa Market President - Business Wire](https://news.google.com/rss/articles/CBMivgFBVV95cUxQZmNBdUtiNW9mYmExOVdXWkpJZFlWVXhhdVc2aTdZekVmd2NWa19NWnl6YkItRWhWTldXcl9qMTRCalh2Wi1EbWpUZ09KMUY2N1BuX2NDQ0REQk45aEdMVWRXZlFaT0tSRnZmZnJiSFZVODlQXzBSbkxjN0NUWDBLS2o4YWRmM2swME1KOTljV1gzakt1ZVc3RnotTy1vUDhEUDNNcXhnck1ZTk1OeXlka0hCU2JtMUN2Y3lEMU9R?oc=5) · Business Wire
- 2022-03-22 [CrossFirst Bank Expands Restaurant Finance Group - Business Wire](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPanFqYzQ4T1U1R3ZpMndBeUQzWDlaX3hxYlZjVzFDemlIeXppSmxfRXJuYkZWcUN2Z2VrS045QU5OQ2dXcjZDeTlIdmRFYjhJYmZmQl9iamttZmxTQTJraXcyRnRwbHNIbTNvZEdUd3N5d1FnOGJ3Y0hhTGpEZ2FjTUNiTHA1dGFkS245R0JqUlVLYVRfUThzd29kRXJvM2V4WVJRZ1U4TU4?oc=5) · Business Wire
- 2022-06-13 [CrossFirst Bankshares, Inc. to Enter Colorado and New Mexico Markets With Acquisition of Farmers & Stockmens Bank / Central Bank & Trust - Business Wire](https://news.google.com/rss/articles/CBMilAJBVV95cUxNXzBoU3FNWnFhTUxsZUdhMGtwcFdoeE5zOUZZZ1FZYkpWVHRyWFkwb204ckJ6SWlieDE2UGNfaDZ5d0hLeEJfalBCOG9RVTdIZ1NoSU9wZmJLdDg3bkJtVF9qbW5PRDB1YzFkNldzbjlGXzY2eUFtNWNtNjdMTnhvc1VpQzlSLUtvbjVFMHpyUU4xanB6UXZ5US1nbGNhQmp3eVRGSXVQMnRHR0pybC1tNi1MVkZZYk44aHdCODFKOW9jT1lVZzNmVWw2WC1FLVZUNkZFZkZHZ1U2ZU9sc3MtbkRPU3RlY2VnZnBJTlI2eFhUYUVZdE9HeEVtUHpFbTdwcmNyX2YwZ1hIWGhrNHRBSmZFVEE?oc=5) · Business Wire
- 2022-08-11 [Jason Dudley Joins CrossFirst Bank as Frisco Market President - Business Wire](https://news.google.com/rss/articles/CBMiugFBVV95cUxOdW5FUlJQTGtEbmZkNTBpbjhfRmVWR2Q3bGNQOXJhQlFsVEV0dzNYaEdhdXlmc0RSR1ZJNzN2bm9QbVhsRDVsekVtNFdma3JWSUJnQnZZWk5TMUFqRkh3cmFVZ1FJY013MlN2NUhzcVc5UTFCendFak0yWWp3QzNUTmFUZ0V6VTg5MnJEX25vYmdBUmxBZDdGUUxaYkJNVElNVXpLYjF3QUc3RDI1UkwtVzIyRFVNbkxlQmc?oc=5) · Business Wire
- 2021-03-09 [CrossFirst Bank Promotes Tiffany Hatcher to Tulsa Market President - Business Wire](https://news.google.com/rss/articles/CBMiwAFBVV95cUxNcXM4c18tRkd3cU5paHZHUXdzeFdxME9iTlFfallMbG1PMlFxX21IS3JRdkstZ05keDNVTTBvOGNWVjZhcXV1TnMzZTJTT0F6elJDZ21KN25rVldqVFhYazh3LWFjdUVzZGVLMXlEdFJEWFJKU2lqaXJvbTItd1I4alp6VW45ZHJmdXBXQ3BMQjlwWGZoUUQ1MzhHeXYxRkVKZ2oxbnA2UWxrY0ExV05mMDJ0WmxiT05uZk1GOG5YcFc?oc=5) · Business Wire

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35547 (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/27.json (key "35547", 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