# COUNTRY BANK
PRESCOTT, AZ · FDIC certificate 57498 · asset band <$300M · latest filing 2016-06 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $217.4M | |
| Deposits | $194.5M | |
| Loans and leases | $106.8M | |
| Total equity | $22.2M | |
| Loans / deposits | 53.92% (p20 of band) | 74.58% |
| Liquid assets / assets | 45.87% (p75 of band) | |
| Uninsured deposits / deposits | 12.02% (p41 of band) | 14.02% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.95% (p35 of band) | 10.79% |
| Unrealized securities loss / equity | 1.97% (p49 of band) | 2.02% |
| AOCI / equity | 2.36% (p75 of band) | |
| ROA (annualized) | 1.16% (p69 of band) | 0.86% |
| Net interest margin | 3.58% (p46 of band) | 3.65% |
| Efficiency ratio | 68.95% (p42 of band) | |
| Noncurrent loans | 0.00% (p7 of band) | 0.67% |
| Net charge-offs (annualized) | -0.08% (p6 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 94% | |
| Construction % of loans | 79.95% (p91 of band) | |
| Auto loans | $64,000 (0.06% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 8.9% | |
| Employees | 47 | |

## Flags firing in the latest filing

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

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | construction >100% equity |  |
| 2011-06 | 2 | reserve under noncurrent |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 1 |  | construction >100% equity |
| 2012-03 | 1 | capital falling | reserve under noncurrent |
| 2012-06 | 1 |  |  |
| 2012-09 | 2 | charge-offs p90 |  |
| 2012-12 | 1 |  | charge-offs p90 |
| 2013-03 | 0 |  | capital falling |
| 2013-06 | 0 |  |  |
| 2013-09 | 1 | capital falling |  |
| 2013-12 | 0 |  | capital falling |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | capital falling |  |

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

- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2026-08-24 [Failed Banks In The US: An Analysis By Year, Size And More - Forbes](https://news.google.com/rss/articles/CBMibEFVX3lxTE9SRkVrQmdfS2FWVWlBdzNCcy1OTlAyNlVSUEpoMG5WVllXR0V1dW5NSFBRSW91OUFjZ055S3dyS3RaaVg3dVc3UU12XzhENE5nanJFeEExR016RTR4Y1BERHVJSHlzSDNqS3pUWQ?oc=5) · Forbes
- 2016-08-17 [Mohave State Bank Announces Expansion With Recent Country Bank Acquisition - RiverScene Magazine](https://news.google.com/rss/articles/CBMiowFBVV95cUxPdEF0VnczWElLbVdoMWdfSEJVZzNPS1JaTU9DeGRjb05PTFdKeWV3MWtIV1R1LWdHOFZPZWk1NGxmdl9zWmJSc0tBeXlnSEZIZGM4Ul9wcEJvc1BEand6eUR6cjdwZFJVaXF3RXlERnVXOEpIVm45YkFjWGhCa1pSaFlWYk9nTGNBajZMeWVIbzRQUk5DdG5PVkh2Z2ZPRzlqTm9V?oc=5) · RiverScene Magazine
- 2026-02-20 [Jerry Lee Brown Obituary (2026) - Cottonwood, AZ - Westcott Funeral Home - Cottonwood - legacy.com](https://news.google.com/rss/articles/CBMif0FVX3lxTE9XQjJ1WTUweFRDMXdrUlROM25nbktpeV8xUnhsTGdTOVJfbmlWWTYwaEY2RTNUR1pWQ054UVN1MjRHTFV3LVNnMVRPYVQwSVJNZzY5NHFwQnZiTEhCb0lONDVucjljM3hCeFdNbS1GWTlQdkdicW4wcGh2SXhLSEU?oc=5) · legacy.com
- 2019-04-12 [Country Bank of Prescott AZ Kicks Fundraising for the Granite Mountain Hotshots Memorial into High Gear - signalsaz.com](https://news.google.com/rss/articles/CBMi1gFBVV95cUxOYm1YUHUyQVB5a2pXM0dTLVV5U1JwZlhzNW9PVDNlM2NPTEJLQ0QyeDFPRnJLMEVCalhRYnF0SnliQ3g5TWFUSlJUclhaUEVfMWlyaEt1UnpUVVRVQlE3OVd4UE1QNE9Mc1N1VEZTNHBmZW9CcDNrSXp2NTFObDExOXY1V0xYcjd4U0RRSkdZZlp6Tk42NVpGaWhvVUExYnlDZUVNaHFUVjZPaV9jLXBkbnREUWFWWko3Nnk0RlJUMWExb2dFdl9FVDZXcnB5Y0ZuLXdNSWpB?oc=5) · signalsaz.com
- 2026-06-09 [EU to propose 21st package of sanctions targeting Russia's banks - Azərtac](https://news.google.com/rss/articles/CBMipgFBVV95cUxOSXNCYmt3LWJjb09aWVczcWV5cUJFb09HSjhjQVBBOXFwZkx3RUZEbkJObnZGaU9NTThxR1dvRHVBNkUyUkhhQnlFT2I0dHVfUUV6N3I2bFRmVnBRX0IybFI3and4NnAtc05mYXZfZ1BJWm1fZUdWNS0xejRsR3h6RUczekc4T2hacHg1UTVYWUdfaWlhLWFlOFhibHdFOG1nQjZQMmxR?oc=5) · Azərtac
- 2026-07-27 [Bank Respublika secures €22 million from EFSE to support small and medium-sized businesses in Azerbaijan - bankrespublika.az](https://news.google.com/rss/articles/CBMizAFBVV95cUxNZDVmUWJRcHBQSm83dlFnbU1kVnN0R2xzQzZqQ3U3V282d2E5QlVMVzlFM19GcW9fSVRwN2JwUG1ud3EwWnZhSWpnRUdFYVVZZTFJMVZINkwxUGxEQ1A1QjdZb2J6THZ5QjJQN0JFN1cxMG03YjVlNGdOU3c4UmliNDRsdXBqMHo3cWZYMl9QTXN5WDVOdW03RzZieV9EZU95V0pOUHdXR0JvTEdNWVVuUkppYmRmQS1qNndBZzhlVVFaVC1sckt2MTN1VUI?oc=5) · bankrespublika.az
- 2022-11-23 [Merger of Heartland, Town and Country banks part of a national trend - WGLT](https://news.google.com/rss/articles/CBMirwFBVV95cUxNdVJmVVNjcGozRTVIQ1RrYW1uLTNHNDhHeDdJZFotVHlMVWQzcWNLOWZGVmtDR3pGZTRBTEJhbEtqUERSQWxSVEZ4dGFRbVg0cXl5NG9PQnYwNng3YTdlMTZaREJLYXNYLXFLYVFvdExtcjBhU29CUlNuYkNYUFhOMGFLaGdRRHZETFBIZ0ZZbWRjNnBqRThhM1d1dFpBaDJtaEFjeTZMU3pqdWwwLWxn?oc=5) · WGLT

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57498 (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/26.json (key "57498", 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