# BILTMORE BANK OF ARIZONA
PHOENIX, AZ · FDIC certificate 57479 · asset band <$300M · latest filing 2013-12 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 4 (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 | $287.3M | |
| Deposits | $250.3M | |
| Loans and leases | $200.2M | |
| Total equity | $34.7M | |
| Loans / deposits | 79.64% (p69 of band) | 69.26% |
| Liquid assets / assets | 25.63% (p30 of band) | |
| Uninsured deposits / deposits | 39.33% (p97 of band) | 12.49% |
| Brokered deposits | 10.55% | |
| Wholesale funding | 10.55% (p86 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.73% (p57 of band) | 10.29% |
| Unrealized securities loss / equity | -4.68% (p26 of band) | -1.01% |
| AOCI / equity | -2.31% (p58 of band) | |
| ROA (annualized) | 0.56% (p36 of band) | 0.76% |
| Net interest margin | 4.25% (p81 of band) | 3.63% |
| Efficiency ratio | 72.02% (p44 of band) | |
| Noncurrent loans | 1.11% (p54 of band) | 0.94% |
| Net charge-offs (annualized) | 0.03% (p39 of band) | |
| Reserve coverage of noncurrent | 36.60% | |
| Real estate % of loans | 78% | |
| Construction % of loans | 25.89% (p62 of band) | |
| Auto loans | $21,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $5.1M (15% of equity) (p99 of band) | |
| Deposits YoY | -21.6% | |
| Employees | 45 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | brokered >10%, wholesale funding >15%, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 4 |  |  |
| 2011-09 | 6 | losing money, expense ratio p90 |  |
| 2011-12 | 5 | capital falling | construction >100% equity, expense ratio p90 |
| 2012-03 | 4 |  | losing money |
| 2012-06 | 4 |  |  |
| 2012-09 | 3 |  | capital falling |
| 2012-12 | 3 | NIM <2.5% | wholesale funding >15% |
| 2013-03 | 2 |  | NIM <2.5% |
| 2013-06 | 2 |  |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 4 | deposits shrinking, assets shrinking |  |

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

- 2026-08-27 [Most Influential Women in Arizona from 2012-2025 - AZ Big Media](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNWTJrRW9ILXNwb1Z4OE00TXVEQ0VYZ3dHbjBUSV9kS0xReFlBV3FaMjBzWEZ6ek9MeG5TTFlOODRqdmhYcXVIRlFCbzJmTkJ3SThsNGVPYTJmOGhWVFhrbGNqaWJPMXBTR1dWZUtYWHBoVmVxOHBUUm5kWnNQcVo1VG5Kd202SG4x?oc=5) · AZ Big Media
- 2012-01-31 [Biltmore Bank acquired by Grandpoint Capital - The Business Journals](https://news.google.com/rss/articles/CBMimAFBVV95cUxPYlVxS2M5VHBKYWd0akhLOGFENGtSS2RySUZXYUtKOWdGTnR3ODZJaUpteF95MmZWSG9xaDhlTkxMSHpGc216WmloenQwWDRleXJJTlZsMEUwVHBIWlhKcjRvOThHbFN3NUZZNWFXSjRTYzVlZ0N0UVhTYUd3X3YzOFBqenJEdWxydnlaMlg1VjAwSFUtQWVNWQ?oc=5) · The Business Journals
- 2018-07-12 [Bank of Tucson sold, name will change - Arizona Daily Star](https://news.google.com/rss/articles/CBMigwFBVV95cUxOZjREUjExY0dDVUlVUTRqb244SkQxbVR1TEM0MmFHNkJiV2JfdlA0NVFYaTBnc0pCZVkxMWRuckNTVFhObVk5X2ZrQW5vNnJpd0xpSHNIdjdma3dmV1g0SDk4X0h2QXd1MUNPYXY1UTlvOHJmaW1rcVlaMlBkT2xETkZDWQ?oc=5) · Arizona Daily Star
- 2013-01-08 [Suns Charities, Wells Fargo Debut Networking Group - NBA.com](https://news.google.com/rss/articles/CBMif0FVX3lxTE1IRS1aTFJfN0VnMlBreTNuUlNiLWpmMkxtaUxaZndqaVA1eGhjXzlqY3JQaGJoRHIyRnhDejJNY2FHRGFMb1M1NGp2T09fMTFYNE8xLWp5cHhCRXhpQWJaLXBCak5OaVFhNzViWnFOOHlQOVR6b3ZYQzhFN3lraFU?oc=5) · NBA.com
- 2015-06-03 ['Who's Who in Business' honorees celebrate their successes - azcentral.com and The Arizona Republic](https://news.google.com/rss/articles/CBMizgFBVV95cUxOV1JOZEdfQmhsbEVZdkdvT0gxRURrMHVzMElVODVEVEwtNXMyLU9SdUcyRzVkc3YxMi03ZWgxQnU5UUtnejJxSmxLeWNpU1BTRVJzWWdpZHJBNGpMc29DMHRvcmFJUnZWQzc1QUxzZ1lIOFM5WUkzclI5Y3I0MG1hZUxONkotLTlySEhiNVhpSGNjbXRaTTlCb3pGeG1IM2hSZDBDeTR1UXBWakZRRm1PeHNUNE5GdUF1dHRydXJtMkdDNDdtV05ESFJNV1k3UQ?oc=5) · azcentral.com and The Arizona Republic
- 2013-08-02 [Suns Charities, Wells Fargo Networking Group - NBA.com](https://news.google.com/rss/articles/CBMid0FVX3lxTE5jRFlybUkxY2ZGVzMzLTdKTXJGeGgwU3NWZEVFak1NVmNVS3N3TFhXRWhMRWZiRmZ0T1hXcy13VHZrMzNhQ3JwenFvTmpadTdkeDdvX210X0h1VUUyblZpdjB5YVhZMkpKeVc3OWdzNkZlRzdiUmFV?oc=5) · NBA.com
- 2015-06-17 [A 'bulldog' with heels finds success in banking - azcentral.com and The Arizona Republic](https://news.google.com/rss/articles/CBMingFBVV95cUxNd0VRdVljM2NpZm5IZ2o0empzSFUwRUEzMjh4bUdVRzFTWDlSQUIyVWp6M3BIcHkyYkp6ZVlYelotdkRmMV9tZ05QOXNHWXI0Wm1vSlBRUXdIMUV6dXNHMG5rTXlrUU44dnJab0NQS0ZMMjNfVjkxdXQxa2FrTE4tWTJ6T29tX2o5azM3b0otbGE5Mm5zUEdSR0loa0hGZw?oc=5) · azcentral.com and The Arizona Republic

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57479 (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 "57479", 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