# BANK OF LAS VEGAS
HENDERSON, NV · FDIC certificate 57276 · asset band <$300M · latest filing 2013-12 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 11 (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 | $213.5M | |
| Deposits | $208.1M | |
| Loans and leases | $150.7M | |
| Total equity | $5.1M | |
| Loans / deposits | 69.60% (p51 of band) | 69.26% |
| Liquid assets / assets | 23.79% (p26 of band) | |
| Uninsured deposits / deposits | 9.97% (p38 of band) | 12.49% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 2.32% (p1 of band) | 10.29% |
| Unrealized securities loss / equity | 0.00% (p68 of band) | -1.01% |
| AOCI / equity | 0.00% (p91 of band) | |
| ROA (annualized) | -0.35% (p7 of band) | 0.76% |
| Net interest margin | 3.92% (p66 of band) | 3.63% |
| Efficiency ratio | 108.06% (p94 of band) | |
| Noncurrent loans | 9.54% (p98 of band) | 0.94% |
| Net charge-offs (annualized) | 0.25% (p78 of band) | |
| Reserve coverage of noncurrent | 40.72% | |
| Real estate % of loans | 96% | |
| Construction % of loans | 115.13% (p97 of band) | |
| Auto loans | $1.2M (0.81% of loans; DQ 20.18%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -17.8% | |
| Employees | 51 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 9 | leverage <7%, leverage <5%, losing money, expense ratio p90, noncurrent p90, charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 9 |  |  |
| 2011-09 | 9 |  |  |
| 2011-12 | 9 |  |  |
| 2012-03 | 11 | deposits shrinking, assets shrinking |  |
| 2012-06 | 12 | capital falling |  |
| 2012-09 | 12 |  |  |
| 2012-12 | 11 |  | capital falling |
| 2013-03 | 9 |  | losing money, expense ratio p90 |
| 2013-06 | 10 | expense ratio p90 |  |
| 2013-09 | 11 | losing money |  |
| 2013-12 | 11 | capital falling | charge-offs p90 |

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

- 2026-04-27 [Business Hall of Fame Inductee: E. Parry Thomas - unlv.edu](https://news.google.com/rss/articles/CBMiX0FVX3lxTE90Q2JEQWxUcU5PR0JTMVpsUTJyQi1lUEplVVhtbEhqckt2T19CU1ZyS1dDZlV6UU1LWWxmR1ZmUkZBVzk5SDhXYTZydEs3dnJGMUZWQUVucmxwcUpLRWZB?oc=5) · unlv.edu
- 2026-04-20 [Business Hall of Fame Inductee: Jerome D. Mack - unlv.edu](https://news.google.com/rss/articles/CBMiXkFVX3lxTE0xMlU4WEROczR3aUZRSVVjaXc5M2I5MXllVGF0c2ktQnpmX00wT1FZSldQWnhfMXVkS3VEanNMSlM3Tkh5OFBUOThTNEt4WHlKQ2swSF9FWWdIQVc0Q0E?oc=5) · unlv.edu
- 2026-05-29 [250-plus Las Vegas restaurants fight hunger with Restaurant Week deals - Las Vegas Review-Journal](https://news.google.com/rss/articles/CBMivgFBVV95cUxQUVlXcEdOZGh3LWV6ekF2aHB5dkZJRV9Jbks2RVlOUzhyQVMwRzk0eEhXMHdNMGRGT2JVS0VWeUdNVnR1aDVjTFBVS196UWNJUGUwdVZNN0xBYklqT21BRUU3NldoNE9wZXVzYjh2UnhCa2w1dVRSbGhGajV1azE2TWdaS3JiaXlzWHBBcEdlOXoycGpHSUZIZ1FYMFp4MnpfMXVDemJuQ3l5STlvalhWOGlzUUdqWFBjWWNpdGRn?oc=5) · Las Vegas Review-Journal
- 2016-08-26 [E. Parry Thomas, business icon who helped shape Las Vegas, dies at 95 - Las Vegas Sun](https://news.google.com/rss/articles/CBMilgFBVV95cUxPUTRVbnE5d05iN1NqUk9ZV0JEU1FRcFNESHluSDA3LWFIcUcwcDRYSU5kYmtxREdPTEU3ekVJRjBGdWZSZU9sVWRta1VWQ2NDRmVMNXNkeE5sblpJV0ppdkV3aUtKSEdHZmpTRjFDeGpoZExaVUxWeTg5cnhFZkxSOTZxRDhJRFJjSjR4MTZKS0YyQk9vM3c?oc=5) · Las Vegas Sun
- 2017-04-08 [Bank of Las Vegas being sold to Michigan bank holding company - Las Vegas Review-Journal](https://news.google.com/rss/articles/CBMiowFBVV95cUxOUkUtWGRnci1fY09wTTdPcGhqTFhpZzM3WkJKZ2VIWXNoc3BqMTg4ekJCam04X2RVODJ5VnJDZ2UtOUVuRUpoRVZxNWstUU9BSmRpMm9sOHdkUUR4OGtjUDFZUm1aUGEyVDhQNTBTWnhTWXJEX0VWVUF6cVpRZXdfUnQyaFppeFFha2hqc0xlWDVmYVBZcEIyNUZLMVlxcDgtNWpZ?oc=5) · Las Vegas Review-Journal
- 2023-09-16 [Peggy Thomas, Long-time Supporter of U.S. Dressage, Passed Away - | Eurodressage](https://news.google.com/rss/articles/CBMilwFBVV95cUxQSzhvNTlQajh1bnFDR3RmallmYVdFaFJ5cnVGbldXVmx3cEY5ZEFFOTg2VGd2QTBjSlA5OEFIb1F2Ujh6X3gzUzVVY1pKeW9rT1pMN2RNUmpIUUJQUlYwOUllclF3WDVRRFFVMGlRYjVTZFFkbjJMUUpOSXZqa2ptYTRwMFlLbGQ1Q2Vab0ZmeldjU0VhTk9Z?oc=5) · | Eurodressage
- 2023-04-13 [Billy Kent "Bill" Hull - Legacy obituary](https://news.google.com/rss/articles/CBMijAFBVV95cUxNVWE5Y1NIa3ZSRG1kZmxhVW8tVU50eGZRUjM2RDg3SWlBdUkwejVnMVVyRktlUEVVbkFvQmM3UVNzdDhTMHFwak52V0xfLXVPaEVCQWMwdzFuaThtUzVEWk9zSjBHU2kwZmV3RTg2c1NqODhDbmhUS09peVZ6T2VSSklDc1d3bnZlQUdsOQ?oc=5) · Legacy obituary
- 2013-10-13 [Feds end consent order for First Security Bank of Nevada - Las Vegas Review-Journal](https://news.google.com/rss/articles/CBMiowFBVV95cUxQYUdLYUJ2Mk1VYVlxcjVEQzdZYWNWd2R3ZUtPNzU4dFlkOTFqSDZGcDhKZFdHdklRMUlSVVBKdjZmUmlRZmhnYlFvUG1lcW8tRWJoNHYzd3g0OXpxLVREX3lCM2hzM0ZhQWJxd0lOODJhN1Etc1VNeXh0enRCRXN0NUpTME1SamhtbHcxN05OQUJaU25IYWRWOTlIVXJVdTRjelBF?oc=5) · Las Vegas Review-Journal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57276 (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/60.json (key "57276", 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