# ADVANTAGE BANK
LOVELAND, CO · FDIC certificate 57072 · asset band $300M-1B · latest filing 2019-06 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (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 | $309.9M | |
| Deposits | $255.5M | |
| Loans and leases | $258.4M | |
| Total equity | $41.8M | |
| Loans / deposits | 100.31% (p86 of band) | 85.79% |
| Liquid assets / assets | 13.83% (p19 of band) | |
| Uninsured deposits / deposits | 13.23% (p17 of band) | 21.31% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 3.87% (p47 of band) | |
| FHLB advances / assets | 3.87% | |
| Tier 1 leverage | 13.22% (p84 of band) | 10.63% |
| Unrealized securities loss / equity | 0.07% (p27 of band) | 0.67% |
| AOCI / equity | 0.17% (p12 of band) | |
| ROA (annualized) | 2.14% (p94 of band) | 1.11% |
| Net interest margin | 5.04% (p96 of band) | 3.74% |
| Efficiency ratio | 43.73% (p5 of band) | |
| Noncurrent loans | 0.48% (p47 of band) | 0.53% |
| Net charge-offs (annualized) | -0.14% (p2 of band) | |
| Reserve coverage of noncurrent | 173.23% | |
| Real estate % of loans | 88% | |
| Construction % of loans | 124.03% (p96 of band) | |
| Auto loans | $154,000 (0.06% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 1.4% | |
| Employees | 39 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 6 | leverage <7%, losing money, expense ratio p90, noncurrent p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 6 |  |  |
| 2011-09 | 9 | leverage <5%, capital falling |  |
| 2011-12 | 8 |  | capital falling |
| 2012-03 | 8 |  |  |
| 2012-06 | 9 | deposits shrinking, assets shrinking, uninsured deposits leaving | leverage <5% |
| 2012-09 | 12 | leverage <5%, charge-offs p90 |  |
| 2012-12 | 13 | capital falling |  |
| 2013-03 | 12 |  | capital falling |
| 2013-06 | 11 |  | uninsured deposits leaving |
| 2013-09 | 11 |  |  |
| 2013-12 | 10 | capital falling | deposits shrinking, assets shrinking |
| 2014-03 | 9 |  | charge-offs p90 |
| 2014-06 | 7 |  | expense ratio p90, capital falling |
| 2014-09 | 5 | NIM <2.5% | losing money, noncurrent p90, reserve under noncurrent |
| 2014-12 | 8 | reserve under noncurrent, deposits shrinking, uninsured deposits leaving |  |
| 2015-03 | 6 |  | NIM <2.5%, uninsured deposits leaving |
| 2015-06 | 2 |  | leverage <5%, reserve under noncurrent, deposits shrinking |
| 2015-09 | 2 | reserve under noncurrent | leverage <7% |
| 2015-12 | 2 |  |  |
| 2016-03 | 2 | uninsured deposits leaving | reserve under noncurrent |
| 2016-06 | 1 |  | uninsured deposits leaving |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 3 | charge-offs p90, reserve under noncurrent |  |
| 2017-09 | 2 |  | reserve under noncurrent |
| 2017-12 | 3 | loans exceed deposits |  |
| 2018-03 | 2 |  | charge-offs p90 |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |

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

- 2026-07-02 [Oppenheimer & Co. $70M Advantage Bank Deposit Program Settlement - Claim Depot](https://news.google.com/rss/articles/CBMifEFVX3lxTFBHZHR4d05FOUJZYTd4S25BRngyS3RwZGp2NkJfYmozSC1MSlZMUzIwaFRQLVZNYUNDOU9QQVVQbEw4TmpMSnVZSS02YUR6cXJoTGRIenoyd2ZRd1YyOTNpeHBTREx1X2VlQk5jQXJtS1FYc3U1bko5TTdhbno?oc=5) · Claim Depot
- 2026-08-03 [$70M Oppenheimer & Co. ABDP cash sweep class action settlement - Top Class Actions](https://news.google.com/rss/articles/CBMizAFBVV95cUxOWEpnVEU0LXozeDc4aExvMUo1d1JaV2kwak9rZjFMMngwZHNIRXBVVHFiWW9tMmtWM2dGZTRfSnNKd0lSV1JSeVBKaDJSVlYzb3JoQjMzNTF2Tmg3dEU2amdMc3hKeGhxY2FyczlVaE1EaVJxYXMwTEVpMWJ2aWMxQnlKQjRDQmpGdXVVVEt5TDFQcWRPSzBDWGZqSEZ2ejhJZHpHSXRYVlF1aHFzaERDWEstZC1GOHRHZmVtdm54RktMdUNqQVJBcjBwYW4?oc=5) · Top Class Actions
- 2019-10-25 [Reliant to acquire Clarksville's First Advantage Bank - The Leaf Chronicle | Clarksville, TN](https://news.google.com/rss/articles/CBMizwFBVV95cUxNQnVuUC16YllJVU5mbks1UUZMbmJUSTJGcmJubE44dFN2QXBwVUp3Y1ZZemgzMkZ5S0NaTzhtYjl3VzRFaWZuSEJQV2wydzdPRG1tdjBXcGNUNU80eDB5Y3NKUElrR0hleHpscWpNb2cxcDNERnplNXlHZ0x6TmlFakFpNVNMZGpIMmlENGp1azhWblZ0UmZ0enZRQjkxd1A2N2Z5VDFOcmF0YV9ISS15MU9YZVZPOVJPd1R5RE9UZEhBVGNzdVpWOFRseVJmNnM?oc=5) · The Leaf Chronicle | Clarksville, TN
- 2019-06-25 [Tuttle Bancshares to acquire Advantage Bank - journalrecord.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPLW45Xy1zYmZLdWF2Q1ZSX2I2TE1iODcxOS1vTzloRXVZX2k2WVhPMGx5VHhFVWZDdXVaRVNmSHQ4LTFKQThzcHVGUVJaNDNrb0NRRE90RzV0d0RDR1RudVRsQ0tDQnhsUUVzc2EzeHV2bkxidnU1d2J6andlYk9RbE9reGhmdjVX?oc=5) · journalrecord.com
- 2019-05-17 [First National Bank to acquire community-oriented Colorado bank - The Business Journals](https://news.google.com/rss/articles/CBMilAFBVV95cUxPbGc3bms4SWYxWDUtOHFEWnlhZ1l5d2l3X0VjaEh2Q1dONUI4LXIxbGFSYWtrdnhpejdlTjFNZ1NEek9hMFpSNHVXVUtwTTJzWE5XeVA3Q01VOE9VbHNNTl90X3Y5bk1XWVBvUkV3S0Z2c3Z1N3NabHZacFZzNGZxT01Tb0Uzc0ZROFlNZlFVMEhHaE5i?oc=5) · The Business Journals
- 2019-10-23 [First Advantage Bank announces merger with Reliant Bank - Clarksville Now](https://news.google.com/rss/articles/CBMikwFBVV95cUxQck84MmhFd2M2Wm1LR0p0bHp1U0ZEVllYQ0RoV1E0U3Y4cmZnWTM5M2pxU1N5dllnbTQ4LVdVV2JzVk1NZXdpR1dna21uSDZTSS0xWFJIVHNqSGxBRzZFNG9zaDQtMXM3UlhZWWp0a1VpNHdGSkxrdDdPM01nbkhMV0hFTWNvclA1SlBpR0lxTjFhc28?oc=5) · Clarksville Now
- 2020-04-01 [Reliant Bancorp, Inc. completes acquisition of First Advantage - columbiadailyherald.com](https://news.google.com/rss/articles/CBMixwFBVV95cUxNeFVQOEVhOVdpbmw4a1ZaRXBFYWoyVDh1WENCYUduWV9OMWwtRW5seTI3LU9WaW82TmtLZHM5MkFPcEVjX0w3dEN6M0hsMk02R2VqcGJJUWo3ZnZyeGxJS1RoSFlOVzlvNHpOLXp4ZEVZYWd3THlmZDhrVkNSdWptWmlUamF6N3VsMFVwNk1lVm5KT2VEODFmeUp4bkJRWjF1V0xlSUhTWm1fMldDSUxSelVhWTVzc2R2ZmIxcXphTDc3anM0d1c4?oc=5) · columbiadailyherald.com
- 2013-10-11 [Huntington buying Cambridge-based Advantage Bank chain - The Columbus Dispatch](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNLWlId0YtU1FJOGF0c1RTZGczbGY2cGVFYzRNbzdSX1h3QzJUYWY1TE1YZG1WVGRUZklTOHgtOTZnYUl2Yl90MXF1NElpanN6cGR0RG5nV1RqdjZGOXU3M1BJaWEwVURTRXljbzUyNkhhcFpkSF9zdWJXVmF4YlBXX2xNZFZyZlpHdzM3U29iSG1tYnF5YXFXRXEwbGVrOFdpbGlSX3hjeEk1d2c?oc=5) · The Columbus Dispatch

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57072 (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/48.json (key "57072", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide