# NEVADA NATIONAL BANK
LAS VEGAS, NV · FDIC certificate 58418 · asset band <$300M · latest filing 2013-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (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 | $52.1M | |
| Deposits | $47.3M | |
| Loans and leases | $9.2M | |
| Total equity | $4.7M | |
| Loans / deposits | 17.59% (p3 of band) | 66.54% |
| Liquid assets / assets | 82.04% (p98 of band) | |
| Uninsured deposits / deposits | 25.10% (p89 of band) | 11.77% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p19 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.24% (p35 of band) | 10.04% |
| Unrealized securities loss / equity | 7.60% (p82 of band) | 2.48% |
| AOCI / equity | -0.66% (p28 of band) | |
| ROA (annualized) | 0.31% (p22 of band) | 0.72% |
| Net interest margin | 2.69% (p13 of band) | 3.55% |
| Efficiency ratio | 98.58% (p89 of band) | |
| Noncurrent loans | 10.96% (p98 of band) | 1.19% |
| Net charge-offs (annualized) | -0.27% (p2 of band) | |
| Reserve coverage of noncurrent | 88.42% | |
| Real estate % of loans | 99% | |
| Construction % of loans | 9.70% (p40 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 16.7% | |
| Employees | 10 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | losing money, expense ratio p90, noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 4 |  |  |
| 2011-09 | 2 |  | noncurrent p90, reserve under noncurrent |
| 2011-12 | 2 |  |  |
| 2012-03 | 3 | capital falling, charge-offs p90 | losing money |
| 2012-06 | 6 | losing money, noncurrent p90, reserve under noncurrent |  |
| 2012-09 | 5 | uninsured deposits leaving | capital falling, charge-offs p90 |
| 2012-12 | 4 |  | uninsured deposits leaving |
| 2013-03 | 3 | capital falling | expense ratio p90, losing money |

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

- 2015-07-27 [Rare Nevada notes in auction - Numismatic News](https://news.google.com/rss/articles/CBMidEFVX3lxTE9Ybm14a3YtTV8zenRxdGFNU29RYjgydGpVbXZiSno2cjZDZkxCTUJEZk5TWFVzR0FSRnBzSEgybDFGXzduaFNabm9BWjdia0l0ZzJ1MXZBX19RYlF3b01GWUlhdE9xNmc4bWFQVHYxWHpVeEhw?oc=5) · Numismatic News
- 2021-10-09 [George E. Aker Obituary - Reno Gazette Journal](https://news.google.com/rss/articles/CBMiUkFVX3lxTE9nYkZackZPeWdrTUwzeEcwS3N0djFMaWxad3NZb2llOVhBaDc5TVhDUVczS1JES2tLWE1GOVZvYzZmdDM0aHBnS1A4dWszczl6UkE?oc=5) · Reno Gazette Journal
- 1984-04-10 [Trusted employee suspect in Nevada's biggest bank heist - upi.com](https://news.google.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?oc=5) · upi.com
- 2017-07-03 [Michael Kirch Obituary - Las Vegas, NV - Dignity Memorial](https://news.google.com/rss/articles/CBMigwFBVV95cUxNQnpKTDhGTGxHYk5nQlBfMThhWGZBbXNjMkx1TC1qQVpDNU9IQ1RpVVJfTWVoZmVYSFNuelNySFktdEloSVQyODlVYXltU2R0ekRWNEM4cjczek1GR2pfYldKZHhKTjIxYXpqa1pRN2hfUUN5LVpFbzRyWGFYR1R2XzVPUQ?oc=5) · Dignity Memorial
- 2021-10-06 [Thomas Newman Obituary (2015) - Reno, NV - The Reno Gazette Journal and Lyon County News Leader - legacy.com](https://news.google.com/rss/articles/CBMihwFBVV95cUxOdGktdEFrQmdReVVQSW4wVlJaRXlpYU1OaU94RXZhQTJMZlh4STFXcWJWaHNkRzJPOXdTamw1NVkxbjl4eUVucC1kTjJOTG04LUFGSXZmZ0dDaklhYnEwY3ptQ0JIamFJN3ZWZllEdk5CX01PTTBvdHhPbktaT3g3RDd5aFZtM3M?oc=5) · legacy.com
- 2014-08-29 [Nevada National Bank Note leads Expo sale - Numismatic News](https://news.google.com/rss/articles/CBMijAFBVV95cUxObVdFbl90QUlxRTZnWEk5YjVIdXRrMFZOdGZpTTI2YkF2SGdxTXljaktiV0VScGgxNUlNbXFxSGlDNVlkWHRiNDlMN2ZCWlF6VmxpcmdwZUttcFhGc1FtUzBhRHN2Y3p4VnhFU2pOV296SUMzMXdQZ04zX0ZWTVpxT2w1dzR0MzFQYVZPVA?oc=5) · Numismatic News
- 2025-02-03 [Lois Virginia Friesen Ogden Obituary - Reno Gazette Journal](https://news.google.com/rss/articles/CBMiVEFVX3lxTE1HZWpfX0kyYnd0anNPYm1BWHlCUDhrdDM2YmxQNDhoYV9iZ0Y3WU45NFZCNXpZdDBoTU8wN0FZODg4S3lOV08zMlpKclU5YjNFT09hQQ?oc=5) · Reno Gazette Journal
- 2017-11-14 [Wayne Condon Obituary (1932 - 2017) - Reno, NV - The Reno Gazette Journal and Lyon County News Leader - legacy.com](https://news.google.com/rss/articles/CBMihgFBVV95cUxNaVhrY2NxdDNyRGJBX0hmb0lFTnJ2V0JLNndSbVk1em9GZ0dtZk8wRkpXeTVUOVJoR1hfbUl0ZkRtMEIzLUhiRndJa2ZfR2tVaDVhaE5qT2dmTFF4Y2d1bkRiMDYyRmJrWFA4S0JPcDJBOGRFVDllNFZiaDBJNlI3WmFZamJ4Zw?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58418 (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/50.json (key "58418", 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