# CHAMPION BANK
PARKER, CO · FDIC certificate 57031 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 5 (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 | $41.7M | |
| Deposits | $25.3M | |
| Loans and leases | $14.2M | |
| Total equity | $16.0M | |
| Loans / deposits | 54.65% (p24 of band) | 73.59% |
| Liquid assets / assets | 58.81% (p87 of band) | |
| Uninsured deposits / deposits | 14.10% (p28 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 39.33% (p95 of band) | 11.76% |
| Unrealized securities loss / equity | -3.88% (p61 of band) | -6.57% |
| AOCI / equity | -0.64% (p38 of band) | |
| ROA (annualized) | -2.12% (p2 of band) | 1.17% |
| Net interest margin | 3.88% (p47 of band) | 3.93% |
| Efficiency ratio | 140.64% (p98 of band) | |
| Noncurrent loans | 1.01% (p71 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 271.33% | |
| Real estate % of loans | 100% | |
| Construction % of loans | 0.00% (p9 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 | -20.5% | |
| Employees | 13 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **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 | 6 | losing money, expense ratio p90, NIM <2.5%, noncurrent p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 5 |  | NIM <2.5% |
| 2011-09 | 6 | charge-offs p90 |  |
| 2011-12 | 6 |  |  |
| 2012-03 | 9 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2012-06 | 7 |  | deposits shrinking, uninsured deposits leaving |
| 2012-09 | 6 |  | charge-offs p90 |
| 2012-12 | 6 |  |  |
| 2013-03 | 5 |  | assets shrinking |
| 2013-06 | 7 | deposits shrinking, assets shrinking |  |
| 2013-09 | 6 | liquid assets <10% | deposits shrinking, assets shrinking |
| 2013-12 | 6 |  |  |
| 2014-03 | 5 | deposits shrinking | construction >100% equity, liquid assets <10% |
| 2014-06 | 4 |  | deposits shrinking |
| 2014-09 | 5 | assets shrinking |  |
| 2014-12 | 6 | deposits shrinking |  |
| 2015-03 | 6 |  |  |
| 2015-06 | 4 |  | losing money, expense ratio p90 |
| 2015-09 | 5 | uninsured deposits leaving |  |
| 2015-12 | 4 |  | uninsured deposits leaving |
| 2016-03 | 7 | losing money, expense ratio p90, uninsured deposits leaving |  |
| 2016-06 | 6 | liquid assets <10% | losing money, uninsured deposits leaving |
| 2016-09 | 4 |  | expense ratio p90, liquid assets <10% |
| 2016-12 | 4 | capital falling | assets shrinking |
| 2017-03 | 2 |  | deposits shrinking, capital falling |
| 2017-06 | 2 |  |  |
| 2017-09 | 3 | deposits shrinking |  |
| 2017-12 | 2 |  | deposits shrinking |
| 2018-03 | 2 |  |  |
| 2018-06 | 1 |  | reserve under noncurrent |
| 2018-09 | 0 |  | noncurrent p90 |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | capital falling |  |
| 2019-12 | 0 |  | capital falling |
| 2020-03 | 4 | NIM <2.5%, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2020-06 | 2 |  | deposits shrinking, assets shrinking |
| 2020-09 | 2 | capital falling | uninsured deposits leaving |
| 2020-12 | 2 |  |  |
| 2021-03 | 1 |  | capital falling |
| 2021-06 | 1 |  |  |
| 2021-09 | 3 | capital falling, deposits shrinking |  |
| 2021-12 | 1 |  | capital falling, deposits shrinking |
| 2022-03 | 5 | losing money, expense ratio p90, deposits shrinking, assets shrinking |  |
| 2022-06 | 4 | uninsured deposits leaving | losing money, expense ratio p90 |
| 2022-09 | 4 |  |  |
| 2022-12 | 4 |  |  |
| 2023-03 | 3 |  | NIM <2.5% |
| 2023-06 | 5 | noncurrent p90, reserve under noncurrent |  |
| 2023-09 | 3 |  | noncurrent p90, reserve under noncurrent |
| 2023-12 | 3 |  |  |
| 2024-03 | 5 | losing money, expense ratio p90 |  |
| 2024-06 | 6 | noncurrent p90, reserve under noncurrent | losing money |
| 2024-09 | 6 |  |  |
| 2024-12 | 3 |  | expense ratio p90, noncurrent p90, reserve under noncurrent |
| 2025-03 | 2 | losing money, expense ratio p90 | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2025-06 | 3 | capital falling |  |
| 2025-09 | 3 |  |  |
| 2025-12 | 2 |  | capital falling |
| 2026-03 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2026-06 | 5 |  |  |

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

- 2024-01-26 [Troy Rohrbaugh emerges as possible successor to Jamie Dimon - Euromoney](https://news.google.com/rss/articles/CBMiwgFBVV95cUxNX2tUNmpBdllYMjNNamgta2pYYlJrU09XbTVNY0dnV1BuSWY1dFBtNzYwNnlMSU9qRGlYZUtMT2twRURDZUNxUGZJZmd6ZGlDVExUVVVibUo4VEtGMkpHRTNycF9KWENXMl9jLTZ1dDlxT0d0ajBYV1ZtV0RsbTV3MXpjc1RUQ0s1QkExWXdzVXZ2REpkeHg2Zm10T3pYa1VuLUE3aF9NX1hKTmR6RkJXekprZGh1V2lveTA5NnF2MWh4Zw?oc=5) · Euromoney
- 2008-07-17 [What Is It Like to be Bank President? - Ladue News](https://news.google.com/rss/articles/CBMivgFBVV95cUxPbGRnYkxtMmhmNkxOYVNjUU5UaVJFbVhZOFh1QW9nMjIzdl8tV3BJLTZqOVU4bzFhNDlVd0YxQVhoazhUVEhOQlhWNm5aQ0FBMDBrV0FzQWlDLXcwQzA4S2FVeHAyckJSTS1OMl9UaHg4bVp3ZHNrQUhlVUlXczJ2ejZaWnMydmwyZTM4R1RQZHVOaVkyRkJHWDcwcHFlVVd5blVOOGh6TFg3ZC1UZE9udEVSc0EyOFVhNkkwdnp3?oc=5) · Ladue News
- 2013-04-23 [Keith Banks' Club Champion in Bala Cynwyd - Delaware Today](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNUjJvN25GeW54UnpJbkRDcHdwM3BJSFphbnBxdV9zV3M5V2FhX0ZxR1JZWEs0a0pYSWRzZFVEVGlBZlJ0WXBLWVZwV0dlYjd3VEd5dTlYeVNQYmpBUTlyZkRBX3V1UGhneklONy00MGRCQUZZRmtuQnM1bkpBbUtrdHVXN0FzdDI4?oc=5) · Delaware Today
- 2026-03-11 [District court records from the Live Oak County Courthouse for February - SouthTexasNews.com](https://news.google.com/rss/articles/CBMi-AFBVV95cUxPcGpmSUR4MmVTUEZYZnJSTWF3RU16VVA3MFRVR3BHRU04NjBiVnRDZmJCLXdONXhyYVNzY2FjaEw1Y3RsWm5RcEZubXVvejBhVTYwSEpPR09KUHRDcnp1eTdmdXVmWlQ0TkFQaVZCVTJBSm9WODBZaFp6Qm1Rak5HNm9Qb2E3Sk02S3RlOERCaFIwYmtLOXR6TS1OTlRaNGdSeU1ESlF3RFFUTDRXVjAxdlZaNmFQZFhrcGZscmM5aktZalotdlEwdmFQRFc5Snk5NzRodDVQSnFXZnUyeGxxcWN4RDZWU084SjhRU0ZTM2V3MS1WU2ktbQ?oc=5) · SouthTexasNews.com
- 2017-08-02 [John Seberg Obituary (1935 - 2017) - Lakewood, CO - Colorado Community Media - legacy.com](https://news.google.com/rss/articles/CBMingFBVV95cUxQYlB5N2ViSjBrQTdGMkpZVHo5eWRIVEtVcGExWWhiX1pDckhhblFqNEVGcVBETFRZZVZkQ3Q3ODZPdEFwTVpxU3B5MGRBdWVnQnd2N3BWODFUZFdSWGZYWGdCRkFvcXVicFllTjZvSWVTRXZlQ0FJSlAzbXFfMk56SnpQb2pXYXFGZ2lHS09ndUc1eHNqLUEwVm5kTEFqZw?oc=5) · legacy.com
- 2018-01-17 [Citadele will be ‘champion’, say new owners / Article - LSM](https://news.google.com/rss/articles/CBMilwFBVV95cUxNV1AzbUN0SFRnRDZFQ0xfLWZYQ2FYS01lVG1Pck9NOTZFTEU5UTFfV253TnYwR3J4c2JLSUNKcEszR1J1RFFnTzFPRV9ZY0tOTktOeXRCWUtEWGM4eklzWEpZSkpkSVhzdFlVUlJ3ei11MWx6Wl92ZnE0YUlFS3oyWUlGcDVqRU9aSm1EVHVpYmNFOHA2YmxR?oc=5) · LSM
- 2023-02-13 [HBL and Balochistan Agriculture College Quetta (BACQ) Collaborate Under SBP Champion Bank Initiative - The Friday Times](https://news.google.com/rss/articles/CBMi2AFBVV95cUxPTkFxdmtXRW9JTkNaenBvX3dSWkpuMFlNMnpYajRxQXMtWG1ZVWxZTjNGM0ZGLU9qZXk3RmhoUDJzRmVUZGtKYklISDYzU19KV1BKMEs3Nl9PMktPci1wWGU3eml0bk1XcHRrRHp1aXotTnNJT2dxTDRWcUpPbVV2eVpGeTU3OV9WaVVLektjT0NWSldHOF9vQlVYRTMtcEFLZ0pCa1hFdndrejRCU1lYMkpHOHN2ZjVsa2JucU9PWEU3dW80NjctSkNQMHdkeTBmU1NLZWxjZjg?oc=5) · The Friday Times
- 2012-07-02 [A banking union baby step
| The New Times - newtimes.co.rw](https://news.google.com/rss/articles/CBMiekFVX3lxTE9Ob0hYVExkYjJnUDFTMmFHeG92R3g2SndEc2lIQ0k1aXJ4b3BWS01FUDVoU2xnX3FOT0dsazhMYjNmQnJsNWI4eUxLWk54Z3JPeG9PSE1INGgwMTctaHVtTU1kRS0wV0E4OHh0MzMyZ29IeWRDSTVNOWx30gF6QVVfeXFMT05vSFhUTGRiMmdQMVMyYUd4b3ZHeDZKd0RzaUhDSTVpcnhvcFZLTUVQNWhTbGdfcU5PR2xrOExiM2ZCcmw1Yjh5TEtaTnhnck94b09ITUg0aDAxNy1odW1NTWRFLTBXQTg4eHQzMzJnb0h5ZENJNU05bHc?oc=5) · newtimes.co.rw

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57031 (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/7.json (key "57031", 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