# HTLF BANK
DENVER, CO · FDIC certificate 58458 · asset band $10-100B · latest filing 2024-12 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 5 (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 | $17.20B | |
| Deposits | $14.85B | |
| Loans and leases | $11.16B | |
| Total equity | $2.09B | |
| Loans / deposits | 74.45% (p24 of band) | 83.34% |
| Liquid assets / assets | 27.80% (p68 of band) | |
| Uninsured deposits / deposits | 35.44% (p44 of band) | 37.95% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.54% (p10 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.03% (p76 of band) | 9.99% |
| Unrealized securities loss / equity | -23.00% (p26 of band) | -13.80% |
| AOCI / equity | 1.01% (p66 of band) | |
| ROA (annualized) | 1.06% (p60 of band) | 0.96% |
| Net interest margin | 3.77% (p85 of band) | 3.16% |
| Efficiency ratio | 55.78% (p42 of band) | |
| Noncurrent loans | 1.05% (p79 of band) | 0.62% |
| Net charge-offs (annualized) | 0.46% (p95 of band) | |
| Reserve coverage of noncurrent | 82.78% | |
| Real estate % of loans | 66% | |
| Construction % of loans | 51.80% (p66 of band) | |
| Auto loans | $23.3M (0.21% of loans; DQ 0.77%, NCO 0.00%) | |
| Loans to nondepository financials | $38.8M (2% of equity) (p42 of band) | |
| Deposits YoY | -9.9% | |
| Employees | 1703 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 6 | brokered >10%, losing money, expense ratio p90, noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 6 |  |  |
| 2011-09 | 6 |  |  |
| 2011-12 | 6 | wholesale funding >15%, capital falling | brokered >10%, noncurrent p90 |
| 2012-03 | 5 | uninsured deposits leaving | charge-offs p90, wholesale funding >15% |
| 2012-06 | 4 |  | uninsured deposits leaving |
| 2012-09 | 5 | brokered >10% |  |
| 2012-12 | 6 | wholesale funding >15% |  |
| 2013-03 | 5 |  | wholesale funding >15% |
| 2013-06 | 5 |  |  |
| 2013-09 | 4 |  | reserve under noncurrent |
| 2013-12 | 3 | assets shrinking | capital falling, brokered >10% |
| 2014-03 | 3 | charge-offs p90 | assets shrinking |
| 2014-06 | 3 | capital falling | charge-offs p90 |
| 2014-09 | 5 | brokered >10%, wholesale funding >15% |  |
| 2014-12 | 2 |  | capital falling, brokered >10%, wholesale funding >15% |
| 2015-03 | 2 | charge-offs p90 | losing money |
| 2015-06 | 1 |  | charge-offs p90 |
| 2015-09 | 2 | capital falling |  |
| 2015-12 | 3 | construction >100% equity |  |
| 2016-03 | 1 | reserve under noncurrent | expense ratio p90, capital falling, construction >100% equity |
| 2016-06 | 3 | charge-offs p90, construction >100% equity |  |
| 2016-09 | 2 |  | construction >100% equity |
| 2016-12 | 1 |  | charge-offs p90 |
| 2017-03 | 3 | deposits shrinking, assets shrinking |  |
| 2017-06 | 4 | uninsured deposits leaving |  |
| 2017-09 | 0 |  | reserve under noncurrent, deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | deposits shrinking |  |
| 2019-06 | 0 |  | deposits shrinking |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | capital falling |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | uninsured deposits >50% |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 0 |  | uninsured deposits >50% |
| 2022-06 | 1 | AOCI drag >20% of equity |  |
| 2022-09 | 3 | capital falling, charge-offs p90 |  |
| 2022-12 | 5 | brokered >10%, wholesale funding >15%, securities losses >30% of equity | charge-offs p90 |
| 2023-03 | 3 |  | AOCI drag >20% of equity, capital falling |
| 2023-06 | 2 |  | securities losses >30% of equity |
| 2023-09 | 2 | securities losses >30% of equity | wholesale funding >15% |
| 2023-12 | 1 | capital falling | brokered >10%, securities losses >30% of equity |
| 2024-03 | 0 |  | capital falling |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 5 | charge-offs p90, reserve under noncurrent, deposits shrinking, assets shrinking, uninsured deposits leaving |  |

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

- 2024-02-15 [HTLF sheds its Montana footprint - Banking Dive](https://news.google.com/rss/articles/CBMingFBVV95cUxPZFBHUmZ1VERNZzZoVktmRWt6LU9DV2IwZ2VfcTFUVVdEcXdmaWg2Q0JlNDh3N0hYOWtyZ2gxSEJ1bTNIeEdQeUR3cXFZd25QR0ZLY3VkWU9qdGJzUzViTmlQWklwcmRiRzVQcVZzbTdDMkRTd0pic1BPUVNfSGxMV1IxNGZWQlJ2OXpqNG82YVhCOE5EQ3NiM185UWF1UQ?oc=5) · Banking Dive
- 2024-04-29 [A $2 billion deal will give UMB its first bank branches in Wisconsin - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxON3NHbUVYN3p4aWhLQmhOeXVTTFIteVpTTmZxVmw5TGE3YnpWOEJpbWpoZExHbmNfTThsVmNJNmY2WXpzQVVKS0dacU9NclZndmFBMUtoSWlXanlQVVJkX1htbWdzSFBDckp3STVObC1TOGVlNEF2dzhKM3ZFV0FhRjBVbUV2R2lxeHNadjJhZk44RTVPc2E4QU1GMFNoUjlCRVZXNjFRTXhTQQ?oc=5) · The Business Journals
- 2025-02-03 [Banking giant UMB doubles retail business with $2B deal, targets Colorado growth - 9News](https://news.google.com/rss/articles/CBMipwFBVV95cUxQU0l3eTg5ajh5WmFwbEg3dUZndjkzYzU1WGxKR3FZRnVndEROOVhnY21Yc2hEZ2FBekhibklEV1N5S0o4c0huanhZc3ZTc0kxWFdsRm9UX3MzMnhsRjR2LU1DSUhsU3VoU2VHV1hTRHpuSF81YmlYbzlYN3M3QllHU3B0MWwtRG5VSTJCOXdRWjZSSFF0cFNrNmV4VHJiMENzT1FiX1VNSQ?oc=5) · 9News
- 2024-02-26 [HTLF CEO to retire at year-end - Banking Dive](https://news.google.com/rss/articles/CBMigAFBVV95cUxQclhzZHhJV2NXRkFkYmtvM1NmX2FiVzRxQ2VINFdSVWVuaVV2LXB3WVh3UVRCRFl3T2U3YlNWV1M0dGk5eHRhZWZMbTNNaGNyMXl3bUhOVU9NQm82bjhCc2EybHdhbnJSQWtVMW5FWnlyaW82ZFBFNGs4VFdMU3laNw?oc=5) · Banking Dive
- 2024-04-29 [UMB CEO says Denver will act as 'dual headquarters' after HTLF merger - The Business Journals](https://news.google.com/rss/articles/CBMigAFBVV95cUxNdFY1c0pZWVN6SEZsZFJWTDRRV1YwbEpQYUQyNVowbHhqQWVrYnB6WlFRVVZjcDBxYmFxWGJFWlU2Sk1NNU55bFc4eXB3TkkxR0E1aGlBZVM3cFBhSVU2SlBiNDJhOGlnN3UyZkZEQm1GLWoxY0pKVUNFay1xU05kUg?oc=5) · The Business Journals
- 2024-08-19 [New EVP at Bank of Blue Valley also leads private banking for parent company - The Business Journals](https://news.google.com/rss/articles/CBMirAFBVV95cUxPQVFjSTNvbDM1ekdRazc3clJoM3J5VWhjRTZyRUptWHlQdUF1T0JoS3lpbDhfWGRyajRYSWJhbjJEaXVqcVV4NlhKdXVMVmJKOVFhU2xGc0FGQkNkWFJranZGRkRGbUFWTXB2LWFpV1RUNWF6clJ1SWdNWHp2aXE1dGtTUVlyTndBWlI5V0kwR05BLXc4b3A1UDVZTU5lelBmWHhmUkJnbkEtaGEt?oc=5) · The Business Journals
- 2025-07-08 [Busey Bank bolsters Arizona presence with key hires from Phoenix competitor - The Business Journals](https://news.google.com/rss/articles/CBMimwFBVV95cUxQblU1WUtNQ0MtUE9DUTB6RW5mOWx0eEptd2NraTY5RXNIME1XcWFpYTRKZEdDdThjNmVKQmNsZE94cnp6ZEc3QktnNFEtTzVha1FJQ0sycmMyVkRGTmt0N3J6alN3U0V2YVZQUXhYRGpoSWxaVE5GbDIxNkN6MEdXemxzZERlTFQ1bkotZWRyWkhyYmJzeGQ1aVFmcw?oc=5) · The Business Journals
- 2024-08-22 [Former KC bank president's lawsuit claims wrongful termination, sex discrimination - The Business Journals](https://news.google.com/rss/articles/CBMirAFBVV95cUxOZ3lmQy1YNkxRaTlsX2g3MkVibFdwNWJ6cktwYnpCcURsdW5PRC1sd3gxM0ViZVJxcWdUSGk4eFNMMTl3MHEyQ3Z2aDc3a1dxZTIxUDlsTXBDbTV0WTdKcUt6dEZQaXljdXdkcXdlblFNM2lWb0kxVm1tZ09BYUViUi1NTnVZNUpBWkdBQnJybS1sSENmRHdoZUNQTHJTOEVwNjJzd2lxWnpmeUJz?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58458 (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/26.json (key "58458", 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