# WESTERN NATIONAL BANK
PHOENIX, AZ · FDIC certificate 57917 · asset band <$300M · latest filing 2011-09 · FAILED

**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 | $162.9M | |
| Deposits | $144.5M | |
| Loans and leases | $146.0M | |
| Total equity | $1.7M | |
| Loans / deposits | 93.75% (p90 of band) | 71.39% |
| Liquid assets / assets | 10.46% (p3 of band) | |
| Uninsured deposits / deposits | 2.79% (p16 of band) | 8.02% |
| Brokered deposits | 9.22% | |
| Wholesale funding | 18.99% (p94 of band) | |
| FHLB advances / assets | 7.67% | |
| Tier 1 leverage | 1.01% (p0 of band) | 9.99% |
| Unrealized securities loss / equity | 0.00% (p9 of band) | 3.72% |
| AOCI / equity | 0.00% (p16 of band) | |
| ROA (annualized) | -4.57% (p1 of band) | 0.72% |
| Net interest margin | 3.79% (p46 of band) | 3.86% |
| Efficiency ratio | 127.33% (p96 of band) | |
| Noncurrent loans | 15.38% (p99 of band) | 1.48% |
| Net charge-offs (annualized) | 2.22% (p97 of band) | |
| Reserve coverage of noncurrent | 46.77% | |
| Real estate % of loans | 97% | |
| Construction % of loans | 484.78% (p100 of band) | |
| Auto loans | $83,000 (0.06% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | – | |
| Employees | 23 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)
- **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`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 11 | brokered >10%, wholesale funding >15%, leverage <7%, leverage <5%, losing money, expense ratio p90, noncurrent p90, charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 10 |  | brokered >10% |
| 2011-09 | 11 | 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
- 2024-12-04 [List of Recent Failed Banks in the United States (2023-2024) - Norada Real Estate Investments](https://news.google.com/rss/articles/CBMia0FVX3lxTE4zaWFvQzhqc24zdE1QZ1haYnk2b1NsLWxONmNTTV9jVldzbjZqLUM1NV85U3dyaENaUGhWVm0wdllpUlNMZlIteHExdVUzS0JTdXlRWTJiUGJfaEtZSk5wcWhNNG1ZS0U5Y0Vz?oc=5) · Norada Real Estate Investments
- 2015-07-16 [Dorothy Irwin Obituary Jul 16, 2015 - Bustard & Jacoby Funeral Home](https://news.google.com/rss/articles/CBMiY0FVX3lxTE0zc1M0TVk5d0VfVS1QSHhTNnlEUWZrWEFGYllzQ2M5d1dPZ0JUZDZqQnhJMWViY2NWakJBQ1M5UFNNN25QOXJQZG9WY3NVVXpmWEprRWJBTEw4SEVySXB4S0VsNA?oc=5) · Bustard &amp; Jacoby Funeral Home
- 2022-10-30 [Willard Maynard Obituary - Goodyear, AZ - Dignity Memorial](https://news.google.com/rss/articles/CBMihgFBVV95cUxQdWxoUVJtRkF0WFNvcV9FMUtZOF9yVEZ4dHFxOHJJQmluNjVKNVBWYUVMUVlTZFNZdW5xZVY1UEFjMVhMeXlvcnlDampCcDBoeGp4MWJXa2FMa2hhaDFIc0tVck5oRmNyVEdTbjNyV2pQRnFYa0lqVFh1aU9CcmhSU0sxeWJoZw?oc=5) · Dignity Memorial
- 2017-11-15 [MCSO: Two arrested for planning fake robbery - ABC15 Arizona](https://news.google.com/rss/articles/CBMinwFBVV95cUxNT3FQeXpUWnA3N3pUNVBWZVpkcXJ2RWplSFFTM2RabUp5QmtZZjFDLVNmOWtfbTRMMVN3U3ZtZVNUWlZiT3dNN1FZUVNXZDV6MUtqa3VldnZ0QmhTeHRMRzlNS3VBMHBIbU5hOF9ZQ3JnN1dERWd0VldybTZsQklYaUpjYVNKRnJ3Z0x6UjU0WVowUl9pYmtySnNkbG4yZ2c?oc=5) · ABC15 Arizona
- 2006-12-08 [NEW IN TOWN - insidetucsonbusiness.com](https://news.google.com/rss/articles/CBMipgFBVV95cUxOVVNHcC1Xd29CVi1jUnROUE4zc3lTeE0wRWRXazBONzRKRU5lbU1xbWZtRl9BeEoyb0gtM3hVdV92eURFdDRrdmNIZ2RtYkFiSlVHWXNKQlowN2ZvWTEyeENEZzZWS2FXbjVraHVQM2Y5TFctcGUzZTRkbkNrMDZ4UDhTQ3hrNk5vbC11WnVaZWRjMXR0dHRyR25OenFxcHpyRHN4OWlB?oc=5) · insidetucsonbusiness.com
- 2010-08-06 [Federal prosecutors say Lakeville man bilked banks of $80 million - Pioneer Press](https://news.google.com/rss/articles/CBMipgFBVV95cUxPVUNXb1pKUEp6MTk3ZjVpLWl3Z2tvMlluZDFiT20tOXg1Z1dRTU5jR3NnMWppR0sxSmExUTA5VVdJQlh1UkthbEl3UHFMN0F3eF9OVHhpbkNHRWh1Z1o4QlhqLWdVTV9jd0dMYWlKUGVwSW1VYWxEZ2ZaT0ZjbmVCWGZncTJZbDBjNlJ0UWdJX3RYXzlXVTM3cG5kSGItM1FTcVh6dDZB?oc=5) · Pioneer Press
- 2003-09-07 [Tim McGuire Obituary (2003) - Phoenix, AZ - The Arizona Republic - legacy.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxQRldjbTNURmNPNkl3amVWQWxYTTZHa216aXRkQ1BSZ211UFI0Z2ZEcnB6M0ZoOWtMMEJQLVdnckU1UURUbmFzRUh0VzJMbkRlOEw3S0YtME1MamtraXVZWXhIX1l0QXZ4SnJvNWoweEZmQmtfOTVCUGhUZDFFcnYwZnlMMGxtYldlb082TQ?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57917 (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/61.json (key "57917", 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