# GRAND MOUNTAIN BANK FSB
GRANBY, CO · FDIC certificate 57531 · asset band <$300M · latest filing 2019-12 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $132.5M | |
| Deposits | $119.7M | |
| Loans and leases | $96.7M | |
| Total equity | $12.4M | |
| Loans / deposits | 79.80% (p56 of band) | 76.58% |
| Liquid assets / assets | 23.12% (p32 of band) | |
| Uninsured deposits / deposits | 14.43% (p41 of band) | 16.53% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p21 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.16% (p14 of band) | 11.42% |
| Unrealized securities loss / equity | 0.04% (p26 of band) | 0.65% |
| AOCI / equity | 1.29% (p39 of band) | |
| ROA (annualized) | 0.70% (p30 of band) | 1.01% |
| Net interest margin | 4.14% (p69 of band) | 3.82% |
| Efficiency ratio | 78.73% (p73 of band) | |
| Noncurrent loans | 0.49% (p48 of band) | 0.52% |
| Net charge-offs (annualized) | -0.05% (p5 of band) | |
| Reserve coverage of noncurrent | 250.95% | |
| Real estate % of loans | 88% | |
| Construction % of loans | 73.71% (p90 of band) | |
| Auto loans | $49,000 (0.05% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 19.1% | |
| Employees | 30 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 6 | losing money, expense ratio p90, noncurrent p90, charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 6 |  |  |
| 2011-09 | 8 | leverage <7%, capital falling |  |
| 2011-12 | 8 |  |  |
| 2012-03 | 10 | assets shrinking, uninsured deposits leaving |  |
| 2012-06 | 9 |  | capital falling |
| 2012-09 | 8 |  | assets shrinking |
| 2012-12 | 8 |  |  |
| 2013-03 | 4 |  | losing money, expense ratio p90, charge-offs p90, uninsured deposits leaving |
| 2013-06 | 4 |  |  |
| 2013-09 | 4 |  |  |
| 2013-12 | 6 | deposits shrinking, assets shrinking |  |
| 2014-03 | 6 | charge-offs p90 | construction >100% equity |
| 2014-06 | 6 | expense ratio p90, uninsured deposits leaving | assets shrinking, charge-offs p90 |
| 2014-09 | 5 |  | deposits shrinking |
| 2014-12 | 4 |  | uninsured deposits leaving |
| 2015-03 | 4 | losing money | reserve under noncurrent |
| 2015-06 | 2 | reserve under noncurrent | noncurrent p90, leverage <7%, losing money |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 | capital falling | reserve under noncurrent |
| 2016-03 | 3 | losing money |  |
| 2016-06 | 1 |  | capital falling, losing money |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 0 |  | expense ratio p90 |
| 2017-06 | 1 | expense ratio p90 |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | expense ratio p90 |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | capital falling |  |
| 2019-03 | 0 |  | capital falling |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | capital falling |  |
| 2019-12 | 0 |  | capital falling |

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

- 2013-12-17 [Grand County Real Estate Transactions, Dec. 8-Dec. 14 - SkyHiNews.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxPdDhmQnUtTWtZaDluZXRSNG5ISnVaZXdBUkFFTVNzRF9KTHJkTEpXVWJzWGRtSHp0TnRnWVdJcFZFeGlUU2pNQjR4VHBJcnB1ZXBTNTBwVkVwZHpJdUhTRVNmcHg1dWtoZEpqMTliZXNuNVdMQWsybmEyNVlwOENuX3Q1SlRQOEdIcHc?oc=5) · SkyHiNews.com
- 2015-02-24 [Grand County Real Estate Transactions, Feb. 15-21, 2014 - SkyHiNews.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxNMGlLcE9JRFNxak5vVWs5ZmtueHhPQVduRUFPR0JkbWYwQXVNLUc1T3FteTNic3FoanpVT083d0JDSVVnMVRJUnA4c3dOd1dkRXpybFVYUFdUS1lQdzd5VEpncTRWeWxmR24zemhUVVR0WUNNWkpSMWwwaXZ0MjU1THd6UzNFZkdydWRxVQ?oc=5) · SkyHiNews.com
- 2013-07-08 [Grand County Real Estate Transactions May 26 – June 15 - SkyHiNews.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxQTTZYeGh2b2hJWUlGS2Y2V2FHd1ViY3BPVGZDcmFxWkVJSjQzUjBVQ3lybm5KSVJzWFF3M3lBNUdGWXdiT3JHSUFTOC1ETkEyN2M1Z3k3by1uR2ViSVVfR2t5a01yWHU4YjQ2LWlqQlNUOHJucHpEd3JTMnhTa25RLWx6T1Fkal9SV3Buag?oc=5) · SkyHiNews.com
- 2017-01-02 [Grand County Real Estate Transactions, Dec. 25 31 - SkyHiNews.com](https://news.google.com/rss/articles/CBMihgFBVV95cUxOdmNfcTFGUkEycDJUVGlJQXRLTjB2d3dPUm5wQWFFa0tURC13SGg3Q0FQREU5TUNqSXR5SDA2U0NzM2RrQVVuYWtvTG1rRUFDMU0zWENnYzk4ejNpQ2VKMkhhcXlaUUN3Qy1mY0dRTXZ6X052ejZ0QzBXMHN4bDBUR1hwYTN1UQ?oc=5) · SkyHiNews.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57531 (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/59.json (key "57531", 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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