# METRO PHOENIX BANK
PHOENIX, AZ · FDIC certificate 58402 · asset band $300M-1B · latest filing 2022-06 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $399.0M | |
| Deposits | $354.5M | |
| Loans and leases | $277.0M | |
| Total equity | $43.8M | |
| Loans / deposits | 77.06% (p63 of band) | 70.32% |
| Liquid assets / assets | 30.61% (p44 of band) | |
| Uninsured deposits / deposits | 42.10% (p87 of band) | 27.51% |
| Brokered deposits | 1.31% | |
| Wholesale funding | 1.31% (p45 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.04% (p56 of band) | 9.86% |
| Unrealized securities loss / equity | -0.05% (p97 of band) | -19.94% |
| AOCI / equity | -0.02% (p95 of band) | |
| ROA (annualized) | 0.67% (p22 of band) | 1.00% |
| Net interest margin | 3.75% (p81 of band) | 3.20% |
| Efficiency ratio | 77.83% (p84 of band) | |
| Noncurrent loans | 0.07% (p27 of band) | 0.26% |
| Net charge-offs (annualized) | 0.05% (p88 of band) | |
| Reserve coverage of noncurrent | 1825.60% | |
| Real estate % of loans | 65% | |
| Construction % of loans | 101.73% (p82 of band) | |
| Auto loans | $12,000 (0.00% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 0.8% | |
| Employees | 30 | |

## Flags firing in the latest filing

- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 3 | losing money |  |
| 2011-12 | 4 | capital falling |  |
| 2012-03 | 3 | charge-offs p90, uninsured deposits leaving | noncurrent p90, losing money, capital falling |
| 2012-06 | 2 |  | uninsured deposits leaving |
| 2012-09 | 3 | capital falling, construction >100% equity | reserve under noncurrent |
| 2012-12 | 1 |  | capital falling, construction >100% equity |
| 2013-03 | 2 | construction >100% equity |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 2 | reserve under noncurrent | charge-offs p90 |
| 2013-12 | 0 |  | construction >100% equity, reserve under noncurrent |
| 2014-03 | 0 |  |  |
| 2014-06 | 2 | capital falling, charge-offs p90 |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 1 |  | capital falling |
| 2015-03 | 0 |  | charge-offs p90 |
| 2015-06 | 1 | capital falling |  |
| 2015-09 | 2 | brokered >10%, charge-offs p90 | capital falling |
| 2015-12 | 2 |  |  |
| 2016-03 | 0 |  | brokered >10%, charge-offs p90 |
| 2016-06 | 0 |  |  |
| 2016-09 | 2 | charge-offs p90, uninsured deposits leaving |  |
| 2016-12 | 2 | losing money, expense ratio p90 | charge-offs p90, uninsured deposits leaving |
| 2017-03 | 0 |  | losing money, expense ratio p90 |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | brokered >10% |  |
| 2017-12 | 2 | capital falling |  |
| 2018-03 | 1 |  | capital falling |
| 2018-06 | 0 |  | brokered >10% |
| 2018-09 | 1 | capital falling |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 2 | capital falling, construction >100% equity |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 1 |  | capital falling |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |

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

- 2021-12-09 [Metro Phoenix Bank, one of the few banks based in Arizona, to be acquired by North Dakota chain - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxPNVlyQWt3YXRXLXQzTDJ2Ymk5YWpoMl9CMzFPRjJMOWpEMS1obWo2WG12YU9yRjcyeFpPRS1nUE56ZW1NbjNaQ3J3Z2x4VS1DeWFEZjE0Q3VJUGY1SkZJODFsZkVFbzR0a1psalh5d2p6WjVvVjRjRV85dVpmd2pheTdhSk9rTXVlbzFpVjlYT2RMLWZhRXQzUjNvR0xTcng5dHhrMC0tQQ?oc=5) · The Business Journals
- 2021-12-20 [Behind the deal: Metro Phoenix Bank sees enhanced client services, more growth after Alerus acquisition - The Business Journals](https://news.google.com/rss/articles/CBMinwFBVV95cUxQcmdjYjdESkZQSGJuOEliZUJfSmFPWTV2T1g1MGhhTFM2UkJJejhPVmlqMmlQbVRXeDN2TWl2WVlRb3M2MTRPZDg4a3NmbWRkcFRXZ3ZMOVNCZ1BXM2FWNWhxYUNDczVlWUplMkVNdzY5RkRSN3dJRTdaUDl3UGxHZGtCSmZoSEVzcy1ETVpTNmhtSFJHNzBzT09CZXdSMVE?oc=5) · The Business Journals
- 2016-10-28 [Belinda Rosthenhausler joins Clear Title Agency of Arizona - Real Estate Daily News](https://news.google.com/rss/articles/CBMiowFBVV95cUxOUzNsYkRsZTZDaUZ0YUs4NFFpQmpzb1pmQmxPQnlpUEYzb05lZ3djVURLa09RcFhMNm11TW8wdVNIX0JCLUN4M0xKNXRxQzkxTzYtazF1d2VOeTZ3SnNLSGJxSW1yTXBXV0hHbWFOdjhlZWYzZmJEMWUxOFhJbktHOXRDMllUdzdkdlRZZ1laYmFwemhBc0ZabE56LTBoaXNWTmlZ?oc=5) · Real Estate Daily News
- 2022-12-02 [Businessmen of the Year: Three men who defied the odds and opened new Valley community banks - The Business Journals](https://news.google.com/rss/articles/CBMilAFBVV95cUxORUFxMkUxajZpMmtvcXdpSjRoUXFyaTkxXzlNUjVjcDFxUTVfZ1UwNVVoWHpnSmhfbkRfZmVkRFU4U1NGR0FjanBVZ2pDMmFodEY2WmkxM1J4Wm40Qm0yUkJVX0c4dDhhQl9vaTg4VGwySkhtNnk1R1JjelgtMDk4bFZQQ0RYekk4MDRrQjFyOWstLWw1?oc=5) · The Business Journals
- 2016-01-21 [Guedo's Cantina Grille in downtown Chandler closes as redevelopment nears - azcentral.com and The Arizona Republic](https://news.google.com/rss/articles/CBMi1gFBVV95cUxOM21iazZJbnZFR3hJMUhVVXNUMVgxZ2ZBcW55SmJodGN0cWtZcGdjQUhBMk5tUGtZX3ZNTDl0andxNjJDcXNzWEc2OVBpMWRjM0Mzamc0aFNHSWU2RHdMd1E2WkZad2NPa0NxU0xuZmRlaXBmTmZrcnJxU0tyaUFOZzFMZldIUDBxQ1pOQ0NBWENyZTFoVDBoTTBTMEVhakNwSWRPTjBnbHNPM1UxSE1rY3VEUTN1d21waUZKUGZ6SFhETG1hTUdUY0E3dDJPUHEyMDZNa0xR?oc=5) · azcentral.com and The Arizona Republic
- 2021-11-09 [Umpqua Bank expands into Arizona, targets middle-market banking - The Business Journals](https://news.google.com/rss/articles/CBMikwFBVV95cUxPTVdPVG5BS3NOMWZicTFPbUdWOHVlcy1OVXBEWl9YbFZSMXo0d1k4YWw5ckNFdDk5ODdXcmJZNlVWWlYwUzRldUFfeGVWVzc1NEM2SXFEb29ORENyNkc1bE9RWEdJeDF1TFBBejVfU3ItLVhOZXZtZnB6NVNVRE01WmdUQVBZdFJfeFU5NmdBRjdHQWM?oc=5) · The Business Journals
- 2022-12-23 [Book of Lists Voices: CEOs from Sunrise Banks, Alerus, more share highlights of 2022 - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPMUF2VEpXMUl5czNNcVlNbkdwbHI3VnVxMlllYWJhWU5Oa0R2UEZKSU9kT1h5VUJwbEc3RXpTWmhfcndpVGkxdnRmUWVhMkRDeEN2eFllVlB5WFljOGNvQktxZ0hYckpNWjJUWWxaUWRHYmVEc09hUlhleE1qUmxFOTJ2Z2pJelR2ZGRhMGJMNUhXZXhiMFBxNHpZLTVGVldoeG5DdTlzSVIwZw?oc=5) · The Business Journals
- 2022-07-01 [Arizona Federal Credit Union to switch charter status, rebrand amid expansion - The Business Journals](https://news.google.com/rss/articles/CBMikgFBVV95cUxQYVN0am5xc3hLY0tVLThPS3prMEo0VF94N29wTWNpb1pUUnhNUEM2N3NiZmx3MkM4NGNUd2xJMUdOVHhxT1ZCQUZFclViaXA1dGRlTzlYT1RabkY4ckZkX1JmVEVpRjJzcExlYlVwakxiMFlpQThNcXB2NzhLWXE1Z0NGdXFjazM5V0hUTGRrY3Y3Zw?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58402 (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/34.json (key "58402", 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