# 1ST COMMERCE BANK
NORTH LAS VEGAS, NV · FDIC certificate 58358 · asset band <$300M · latest filing 2013-03 · FAILED

**Verdict on the desk:** this could be *credit-stressed*. Composite score 8 (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 | $20.2M | |
| Deposits | $19.6M | |
| Loans and leases | $14.4M | |
| Total equity | $528,000 | |
| Loans / deposits | 68.57% (p54 of band) | 66.54% |
| Liquid assets / assets | 20.28% (p14 of band) | |
| Uninsured deposits / deposits | 4.00% (p11 of band) | 11.77% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p19 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 2.44% (p1 of band) | 10.04% |
| Unrealized securities loss / equity | 0.00% (p11 of band) | 2.48% |
| AOCI / equity | 0.00% (p79 of band) | |
| ROA (annualized) | 1.35% (p82 of band) | 0.72% |
| Net interest margin | 4.16% (p80 of band) | 3.55% |
| Efficiency ratio | 185.44% (p99 of band) | |
| Noncurrent loans | 9.09% (p96 of band) | 1.19% |
| Net charge-offs (annualized) | -0.27% (p2 of band) | |
| Reserve coverage of noncurrent | 74.26% | |
| Real estate % of loans | 82% | |
| Construction % of loans | 87.50% (p94 of band) | |
| Auto loans | $488,000 (3.39% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -22.2% | |
| Employees | 5 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **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 | 9 | brokered >10%, wholesale funding >15%, leverage <7%, leverage <5%, losing money, noncurrent p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 10 | expense ratio p90 |  |
| 2011-09 | 9 |  | wholesale funding >15% |
| 2011-12 | 9 | charge-offs p90 | brokered >10% |
| 2012-03 | 11 | deposits shrinking, assets shrinking |  |
| 2012-06 | 11 |  |  |
| 2012-09 | 11 | capital falling | reserve under noncurrent |
| 2012-12 | 11 | reserve under noncurrent | capital falling |
| 2013-03 | 8 |  | losing money, construction >100% equity, charge-offs p90 |

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

- 2010-10-08 [Attorney reaches agreement to buy 1st Commerce Bank of North Las Vegas - Las Vegas Review-Journal](https://news.google.com/rss/articles/CBMirwFBVV95cUxPalBpVUFvQU1YUkpoQ2NLRlJVRGI2R3NKYUtvSzR0U0dvT0YzSkJHOC1IYmJaeFAwMGVrWEhINWNOYm44Zm0xRGxtRWd0VTFKTTVHQlJ6Y1Vhc1pNUHBWMDc5YmRSdzV6aUJ2TjJMUF9HbDFmb1pXNGlFblJ1NEVVLS1YMXFWTElqaEU3QllNbjloMTdkdVVTbkdWMVMta0pZN2R0NzdieS1zMHdrdTZJ?oc=5) · Las Vegas Review-Journal
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2017-04-08 [Plaza Bank confirms plans to take over 1st Commerce Bank - Las Vegas Review-Journal](https://news.google.com/rss/articles/CBMinAFBVV95cUxPNnpTTVltekZQeG5TQkY0Q3hHcTFFY0NldUE5WkZmR0pEbElaUkhPdVc5SDNIbDRxSWo0XzhJU0NkTUpjQmNKMThoWnhYb1BuSGdMeENJemNFRzhjcGpBMXh4TnRlOXp5YTJ2bUZuXzFhTGdGUVE3YzlVLUx0bElRb3NMWWp5VVdIS2dlWE5FU0dPQmRmQ2ExUEFFazU?oc=5) · Las Vegas Review-Journal
- 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
- 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
- 2009-11-10 [Boxer Floyd Mayweather Giving Back For The Holidays - vibe.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxQVDFzR1pKOEFQdHVCZExCamJ6Z1J0UEVnUHdVY1RISmM1NS1OaFNINU5ucU5CVUx5WEpYTEJPTkZiRzI2MHhiV0phUXRLZHFUajQ2UXJxR3pqTTlIZ0dQMEVxc3VhOFY4c2ZXUG84VmxOZ1RrLWdTQUdhOGhpOHlDb0JlTEVfdVliRzRBN19DRQ?oc=5) · vibe.com
- 2024-04-16 [Las Vegas real estate market crash toppled plenty of banks - Las Vegas Review-Journal](https://news.google.com/rss/articles/CBMisgFBVV95cUxNc1JwdkNBb2pLQkRobE9lQ2doaTBVWE9FaTRIV3RvRWhySDB4cGZFYlBhUzRDMVZPa3NjalB2NGFrMl9DMS1IWVNWU1h2MDZST05yTHVra2kyTlBJQnBJZUhNRkRHRDY4dUpEYk5Fa2thaDBqRGJfcWRDRHRadW1EYzUyUmFNYlZiTFpObHZvcXpvVEl0VF9MVEJtSHMxYUVvbE41TC1pM0JoSHU3MkhTS0VB?oc=5) · Las Vegas Review-Journal
- 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

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58358 (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/54.json (key "58358", 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