# MEADOWS BANK
LAS VEGAS, NV · FDIC certificate 58722 · asset band $1-10B · latest filing 2026-03 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. 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 | $1.45B | |
| Deposits | $1.07B | |
| Loans and leases | $1.30B | |
| Total equity | $194.5M | |
| Loans / deposits | 119.74% (p98 of band) | 86.15% |
| Liquid assets / assets | 9.11% (p4 of band) | |
| Uninsured deposits / deposits | 43.65% (p81 of band) | 30.71% |
| Brokered deposits | 2.07% | |
| Wholesale funding | 14.11% (p78 of band) | |
| FHLB advances / assets | 12.05% | |
| Tier 1 leverage | 13.95% (p90 of band) | 10.45% |
| Unrealized securities loss / equity | -1.75% (p81 of band) | -8.13% |
| AOCI / equity | -0.01% (p83 of band) | |
| ROA (annualized) | 1.48% (p70 of band) | 1.22% |
| Net interest margin | 4.63% (p91 of band) | 3.64% |
| Efficiency ratio | 58.75% (p48 of band) | |
| Noncurrent loans | 1.05% (p76 of band) | 0.54% |
| Net charge-offs (annualized) | 0.01% (p49 of band) | |
| Reserve coverage of noncurrent | 103.77% | |
| Real estate % of loans | 86% | |
| Construction % of loans | 65.71% (p68 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | -7.6% | |
| Employees | 166 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **liquid assets <10%** (`liq_thin`)
- **deposits shrinking** (`shrink_deposits`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2012-03 | 1 |  | charge-offs p90 |
| 2012-06 | 0 |  | reserve under noncurrent |
| 2012-09 | 2 | capital falling, reserve under noncurrent |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 1 |  | capital falling |
| 2013-06 | 1 | loans exceed deposits | reserve under noncurrent |
| 2013-09 | 1 |  |  |
| 2013-12 | 2 | uninsured deposits >50%, capital falling | loans exceed deposits |
| 2014-03 | 2 |  |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 1 |  | capital falling |
| 2014-12 | 0 |  | uninsured deposits >50% |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | loans exceed deposits |  |
| 2015-09 | 2 | capital falling, reserve under noncurrent | loans exceed deposits |
| 2015-12 | 2 | loans exceed deposits | reserve under noncurrent |
| 2016-03 | 3 | liquid assets <10% |  |
| 2016-06 | 1 |  | loans exceed deposits, liquid assets <10% |
| 2016-09 | 1 | loans exceed deposits | capital falling |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 | capital falling | loans exceed deposits |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | capital falling |
| 2018-03 | 1 | loans exceed deposits |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 0 |  | loans exceed deposits |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | loans exceed deposits |  |
| 2020-09 | 3 | liquid assets <10%, capital falling |  |
| 2020-12 | 0 |  | loans exceed deposits, liquid assets <10%, capital falling |
| 2021-03 | 2 | uninsured deposits >50%, run vulnerability |  |
| 2021-06 | 3 | capital falling, reserve under noncurrent | run vulnerability |
| 2021-09 | 3 | noncurrent p90 | capital falling |
| 2021-12 | 3 |  |  |
| 2022-03 | 3 | capital falling | reserve under noncurrent |
| 2022-06 | 2 |  | capital falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 6 | run vulnerability, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2023-03 | 6 | loans exceed deposits, liquid assets <10% | noncurrent p90, uninsured deposits leaving |
| 2023-06 | 6 | noncurrent p90, uninsured deposits leaving | uninsured deposits >50%, run vulnerability |
| 2023-09 | 5 |  | noncurrent p90 |
| 2023-12 | 4 |  | assets shrinking |
| 2024-03 | 3 |  | deposits shrinking |
| 2024-06 | 2 |  | uninsured deposits leaving |
| 2024-09 | 1 |  | liquid assets <10% |
| 2024-12 | 3 | liquid assets <10%, capital falling |  |
| 2025-03 | 1 |  | loans exceed deposits, liquid assets <10% |
| 2025-06 | 5 | loans exceed deposits, brokered >10%, liquid assets <10%, reserve under noncurrent |  |
| 2025-09 | 2 |  | capital falling, liquid assets <10%, reserve under noncurrent |
| 2025-12 | 2 | liquid assets <10% | brokered >10% |
| 2026-03 | 3 | deposits shrinking |  |

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

- 2026-07-10 [America First Federal Credit Union and Meadows Bank Consummate Transaction - PR Newswire](https://news.google.com/rss/articles/CBMiygFBVV95cUxPMDh4Uk1DaHJuWmpib2h4eEtqQ0w4UzBxZHpjSTZuNklwOTE0b3o4X0NMYldNbXFuVFdUNVZia2JMXzNKTWQzQVFyNzdpY09WRHdESk45d0tCc0pUZk40U3cxWTZlR1M2TjVDMGZVNFJXSWdnbFdRd0FCNzM1RF9NU19pZjRpcnJXcmhPT1RVeS00a0lYM081aDVpMHpielJEYXd6V1lxTWVvdWVCYzRLUHNVNEc1cjJuLTdJbE9Xa1Jpc1ZyUVB3RDln?oc=5) · PR Newswire
- 2026-07-20 [Meadows Bank acquired by Utah-based credit union - Las Vegas Review-Journal](https://news.google.com/rss/articles/CBMinAFBVV95cUxQR0tUUVRIV29ZUHp2NjRJZE5ycXNsVnQyWEFBNFBfckZROGFqZGNTRTNGMTBYX1dZRDJaUFhZTlBaNU5sSGNvTlpBQXJfcmh0YmdCd3R3WFdnclNpc0Z2cFNnaTU3Z1htTlZjZTNSN1ZVb3pzQXVxamVhTW81LTJkQ1Zrb0Jzb2x4U3hDeFhoQndQcGFZLThyUHBpYmI?oc=5) · Las Vegas Review-Journal
- 2026-07-24 [Meadows Bank acquired by Utah-based credit union - Pahrump Valley Times](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOOU1uQ19mQVBOTEVDU1l0VF91ajlKMUlrNThPeUYzUm1kOXhZU2ZHcnJEYl8zYld3eVdiMVZFUEFzMGRTMHZia0owYVlxcW1Ed3Rvem54dzBlTU9KR3ozQWU4TnRYRzZaeC1wOWZtbFktTGVtTnpPU1VPY0dqZ0I4bHNZTUFmRGt6?oc=5) · Pahrump Valley Times
- 2026-07-21 [Utah-Based America First Credit Union Acquires Nevada’s Meadows Bank - Nevada Globe](https://news.google.com/rss/articles/CBMipwFBVV95cUxObXp6OElWWEFOa3pJYkw5U1dTYXpfVl9nYUdQM0x3OTJULVlGZHlXb1N1VlRrc0JSTXJMRnduZmpERjJMbjVKWTJjZEpkQ185ZUpldUY1dGUwM3NjbklzNHV6UHpfWWJlakpkbktaSFpkRDl0MkJiZ2h4OVNoTHFKcXNZSFN0M2dRRmlEUTVKcF9WNERnT1U2VWI0c1cxVzdxQlp6NmlIbw?oc=5) · Nevada Globe
- 2025-07-26 [America First CU To Acquire $1.35B Meadows Bank In Industry’s Second-Biggest Bank Buy - cutoday.info](https://news.google.com/rss/articles/CBMivgFBVV95cUxPY19MWTZpcmVKY0JnWW1mU2pQdWtySmJTX2sxU2JnWWdFRFZVUFNyTnBvUjA2TFpZejVJYjlyQ1dLRU54VHVvVlYxU09ZdGwySVh3MkFKZGRjeWhBaVFEMXNyajByQ3h1dWpVQ2FaRVlWT1B3NHpPUnJoU2RBWE1iWnZuTU1XaXZVcUIyazN4M1l6a0JkRG9uQnFkRWVXS0FabTBOYlhrM0tURVh2cnZPcWtIM1hrYUtfNDY4c0NB?oc=5) · cutoday.info
- 2025-09-04 [It’s time to crack down on credit union-bank mergers - Washington Examiner](https://news.google.com/rss/articles/CBMiqwFBVV95cUxObzlnQ25faHpXMEVDaG9OTUYtMnp2Y09lYy1KQXhydGFHRHNDSUpwMVItM2NFYWtYek9tVHdBaEQteXJzcHFnMENERVNSdXpyU2IxVEpwTE90cWlMcF9fMFVsOTVCa1NlRmFjNi1LZTZ2ZFNwU1E4QTlpd0k1a3lYbVZlNEtZYzRKcFRrN3VzY193cXdiMnJZdzNjTV9sTUd4Z1ZlQnRxTklWNTA?oc=5) · Washington Examiner
- 2020-12-02 [People: Mike Hix joins Meadows Bank as Executive Vice President - Northern Nevada Business Weekly](https://news.google.com/rss/articles/CBMikwFBVV95cUxQYVcwa2JlME4xWEhzT0VFeWEwWTBnbGF6dGpfMC14TkRJTUhBQlVidVBGNXJRY3k3dE1mc2V6RXZsNlpDb1o2NXQwQjlnN1JJV1l6RktoZEUtUm1GbXVkamNBQTlKWEl6d0t5WGtNam1WSVV2bEdqYjZvNEF6TTRXbFg3VnhHZGtHeUdQWGJEcUVCZEU?oc=5) · Northern Nevada Business Weekly
- 2021-05-06 [Meadows Bank Reports Q1 2021 Financials and Shareholder Dividend - PR.com](https://news.google.com/rss/articles/CBMiUEFVX3lxTE1GdmUyNkxJRnNqTDZDZnlGRmctSUxSLVI0QnAtVXhqY1BEQjJ1amFmYWxxZzlhajd2Nmg2Rk5Wam1STTduNUhOMks2ZUZ6Mmxs?oc=5) · PR.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58722 (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 "58722", 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