# AMFIRST BANK
MCCOOK, NE · FDIC certificate 5417 · asset band <$300M · latest filing 2017-06 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $265.8M | |
| Deposits | $222.7M | |
| Loans and leases | $192.0M | |
| Total equity | $24.2M | |
| Loans / deposits | 84.89% (p67 of band) | 75.51% |
| Liquid assets / assets | 22.87% (p31 of band) | |
| Uninsured deposits / deposits | 20.62% (p73 of band) | 14.70% |
| Brokered deposits | 1.11% | |
| Wholesale funding | 8.10% (p77 of band) | |
| FHLB advances / assets | 6.99% | |
| Tier 1 leverage | 8.86% (p14 of band) | 10.91% |
| Unrealized securities loss / equity | 0.14% (p52 of band) | 0.10% |
| AOCI / equity | 2.25% (p73 of band) | |
| ROA (annualized) | 0.18% (p9 of band) | 0.87% |
| Net interest margin | 3.88% (p63 of band) | 3.67% |
| Efficiency ratio | 90.85% (p90 of band) | |
| Noncurrent loans | 0.31% (p37 of band) | 0.61% |
| Net charge-offs (annualized) | 0.07% (p75 of band) | |
| Reserve coverage of noncurrent | 496.83% | |
| Real estate % of loans | 60% | |
| Construction % of loans | 73.15% (p89 of band) | |
| Auto loans | $11.7M (6.12% of loans; DQ 2.60%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 4.6% | |
| Employees | 57 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 | uninsured deposits leaving | reserve under noncurrent |
| 2012-06 | 2 | reserve under noncurrent, deposits shrinking | uninsured deposits leaving |
| 2012-09 | 3 | assets shrinking |  |
| 2012-12 | 1 |  | reserve under noncurrent, assets shrinking |
| 2013-03 | 1 | capital falling | deposits shrinking |
| 2013-06 | 1 |  |  |
| 2013-09 | 0 |  | capital falling |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | charge-offs p90 |  |
| 2014-06 | 0 |  | charge-offs p90 |
| 2014-09 | 1 | capital falling |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 2 | charge-offs p90 |  |
| 2015-06 | 1 |  | charge-offs p90 |
| 2015-09 | 0 |  | capital falling |
| 2015-12 | 0 |  |  |
| 2016-03 | 4 | reserve under noncurrent, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2016-06 | 1 | charge-offs p90 | reserve under noncurrent, deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2016-09 | 1 |  |  |
| 2016-12 | 0 |  | charge-offs p90 |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 1 |  |  |

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

- 2017-03-29 [Bank of Colorado parent buys Colorado and Nebraska branches - 9News](https://news.google.com/rss/articles/CBMiuAFBVV95cUxNeTFpbFIyNXM3anEydzBHV0dSWUlReWc4SE9UQWtGSlJ0SVJPTzkwUzFpVWkyQ2VHOERfcUxDMmpjaWJNUUpnOTdXcjVkQTUtWlJMV01hRm1rN3owVGh2ai14bnlGUHJXbDFzbk9pQnlWSjJjV2hTcG1WcjdoT1hhLWtUOVoxOFRnQ21ob3gwMEdNbUhHQ0d1d21XUUlqenlTM3JhdFRLT2QwbjNFTm5PUDB3U0h1MVFz?oc=5) · 9News
- 2017-08-09 [After the deal came months of work to blend 2 bank companies with Colorado branches - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNel9ITWlKQXJtaVk3d2pvcVlTV1FTSEFpYldYblU1LWZDaDBjZ3B3UHlDbzJJN1l0ZVNCdmFPNTRtcDhjdGdaVFBRRDFoME52M3VDeWpHWVFUMGNpTG81dEh0YUQ1R19RUmFCdE9PQmxtajl3enZHZ25ISzRsTTN4LTNqaHJtWnJRZmx4dzdNa0wyNFZncVBMRVpodmNuV0pIWEtQcG1iSC1TUQ?oc=5) · The Business Journals
- 2012-11-13 [Ice sculptures - McCook Gazette](https://news.google.com/rss/articles/CBMiakFVX3lxTE9RWHNuMFdxX2RpdGc0M1JfN3RmWVZCdE8wOUtuYlFGdk1HTVNaMy1KUHMxWEx4U3FfcHEyU3p6ZTBydTlvQk51TUV5UlFwem45QjRJSHhaZFhQY0lSa24xdnFLeWxyOXhiekE?oc=5) · McCook Gazette
- 2018-03-04 [Lilly Korell Obituary - Centennial, CO - Dignity Memorial](https://news.google.com/rss/articles/CBMigwFBVV95cUxOaEJFTktPTnp4bFZxYXEwQ252TXlOQlJLR096SUVuVDBWejNSeDh6MVljOFl5ZXVDNFBEdXEtMEFiaTZiZWNyN0licENGT1NUUUd4aXVUYzJuNWsyQlhyUHVFeWtJSXZySFNrS29xX1RFQXVqMkxoMDQ3WjRvNy1SNHcwOA?oc=5) · Dignity Memorial
- 2025-10-06 [Roger Lee Taylor Obituary (2025) - McCook, NE - Herrmann-Jones Funeral Chapel - McCook - legacy.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxNeVE0bFgzYlFld2NKOExuVGwxb2hVSkRFOEd2SklneV9DZVVmN0dvSGdrZmc0ek12dFBJUW1wZTBTZW9PbVRJQ1IxSDZJaGgxZk0zQURaMGotT1VOc0FNVk5RRFdBRmZOUF9XUHh4dllwRXlpWS0xNHVOc0Rhc1NWaw?oc=5) · legacy.com
- 2014-04-06 [Christopher Kirby - McCook Gazette](https://news.google.com/rss/articles/CBMidkFVX3lxTE9MMlhMcGptUlM4b3htQ3lJczRrZEx2OWNxX2dXVEFUc1lVWDlhZHprN29OS3R5WFZGNFB1azBZOTI2NWVCWUtoLUJMMllPVUZjTDN3eFk4NGJES0lKS3ZIanlYWTY2aGptb2YxbF9DamJUNTdHS0E?oc=5) · McCook Gazette
- 2012-11-28 [James Owens Obituary - Longmont, CO - Dignity Memorial](https://news.google.com/rss/articles/CBMif0FVX3lxTE5LUGRxbFdHbF9kRzRoa1dLcTdDWG1zVDYxV0NVaHMtc0lOSVZuSThkcnl4SkNlNm1yRGxlVWVpWmUzRUNDeGl5bDRsRUcxUjByNERhNWlQVUhVREN4alJFcEhqdms4RHVkblBCd1RUUlNFa3ZvNVpfSktVcElIZjg?oc=5) · Dignity Memorial
- 2013-01-07 [McNutt retained as Red Willow County Commission chairman - McCook Gazette](https://news.google.com/rss/articles/CBMiogFBVV95cUxNQjJpZXBJTWVkS0swQ0lnWGtSQVdOanhBX3o0cHkwczhxSTFzOVhBVDZBZlVCeElCa0phQnBRWWFjcEx5akZyWGhST1kycklaU2NTSGwxd3Y1aW41VmZIZHoycEllMGI4eGtHejJnOC1qNjA5ck1TV1ZpNXVyZXhjZ3gxdF8wNU1iemFrUmUzNlFHckM2c21kcEM0MFh3Q0E1Znc?oc=5) · McCook Gazette

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=5417 (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/41.json (key "5417", 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