# SCOTTSDALE COMMUNITY BANK
SCOTTSDALE, AZ · FDIC certificate 59203 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 7 (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 | $125.2M | |
| Deposits | $99.7M | |
| Loans and leases | $101.9M | |
| Total equity | $13.2M | |
| Loans / deposits | 101.49% (p93 of band) | 73.59% |
| Liquid assets / assets | 17.28% (p16 of band) | |
| Uninsured deposits / deposits | 48.35% (p96 of band) | 19.81% |
| Brokered deposits | 13.61% | |
| Wholesale funding | 22.47% (p96 of band) | |
| FHLB advances / assets | 8.86% | |
| Tier 1 leverage | 11.37% (p45 of band) | 11.76% |
| Unrealized securities loss / equity | -2.00% (p70 of band) | -6.57% |
| AOCI / equity | -1.10% (p25 of band) | |
| ROA (annualized) | 0.28% (p11 of band) | 1.17% |
| Net interest margin | 3.23% (p19 of band) | 3.93% |
| Efficiency ratio | 91.17% (p90 of band) | |
| Noncurrent loans | 2.68% (p91 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 26.00% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 17.88% (p51 of band) | |
| Auto loans | $22,000 (0.02% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 45.7% | |
| Employees | 13 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **capital falling** (`cap_falling`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2022-03 | 3 | losing money, expense ratio p90, NIM <2.5% |  |
| 2022-06 | 3 |  |  |
| 2022-09 | 4 | capital falling |  |
| 2022-12 | 4 |  |  |
| 2023-03 | 3 |  | NIM <2.5% |
| 2023-06 | 3 |  |  |
| 2023-09 | 4 | loans exceed deposits |  |
| 2023-12 | 5 | wholesale funding >15% |  |
| 2024-03 | 4 |  | wholesale funding >15% |
| 2024-06 | 5 | wholesale funding >15% |  |
| 2024-09 | 3 |  | loans exceed deposits, wholesale funding >15% |
| 2024-12 | 4 | wholesale funding >15% |  |
| 2025-03 | 3 |  | wholesale funding >15% |
| 2025-06 | 3 |  |  |
| 2025-09 | 3 |  |  |
| 2025-12 | 3 |  |  |
| 2026-03 | 3 | wholesale funding >15% | losing money |
| 2026-06 | 7 | loans exceed deposits, brokered >10%, noncurrent p90, reserve under noncurrent |  |

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

- 2026-02-03 [This startup Scottsdale bank will meet you on the golf course to close your loan - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxQaVdWcllDc2l1NWlka3R2SjIxWFg5OXVIaEpibDE0WG93d0Q2cXk1NXRNcHBzbFYwQ0pzZDNNbkcweVk0YkZ0YXJ0T1YxU25BTTdhUmNmRjFfMGN3bVZhaEtMSE51Y01ZcW52d0ZINXl4Q29zOVdyREl6S1hIUVFaTkIyOXhwQ21qNzM4QUtVZ2tNTDZ0VUVGa2JPQm5wM2otaWg4RHlB?oc=5) · The Business Journals
- 2025-06-06 [Scottsdale Community Bank celebrates staying local - scottsdale.org](https://news.google.com/rss/articles/CBMi0AFBVV95cUxQNVB0OWFTcGdZNFdXYTlnbmhJQ3BwbXZ3bUczVWVQTW9iQ05OOVVXTXc1RzdQYVp3UEpNMExFVTBReXlOSHpReEJJeG45RWowQjhpemtzWlY1QXU0YjROTzQxQXQ5VjdvaUExNEFqX1BvQUNRdmtCSDVLM3JFSkN1OUFMNXV5ejZXNlVUa2o2M1RJWDFzb0d2b3lXNlNXdUxjcklNZnhqNGxSOU5yNm9MNkllMVNBdGdIbFhOMVc3VGdmdW03cTA1MUs0Q3FZVVY1?oc=5) · scottsdale.org
- 2025-03-13 [Scottsdale Community Bank hopes to be the ‘go-to bank’ for Jewish community - jewishaz.com](https://news.google.com/rss/articles/CBMi7wFBVV95cUxQc1hUS3JzU05RUFNGdkZqYTN2RW5BT2o2OVo4OEtEU2hKbGxZdjE2VXdqQWNuaklueFpMV0h3dUZrbnFGNTQ0QUZPRVJ4elRPNXVEME90a195eW5rYlZ5UUZYaW9IQW9IN21BYUMxcXhnQ0R5eG90S1EtV1A0anNLdmlCcXFLUWt6RWk1NXZJZDVnWGF0UHRvVlB4TElqa0xLbE9XX1F0VkJyUTVFR3lqNXpXQjZEZG9FMzNPNGdUU2s2TDl5bjVaMnJldEtWcU9wcGRhanp3RmczWFF5ZjFncGRoamtkTVV0cmlxVnlYYw?oc=5) · jewishaz.com
- 2022-01-11 [Scottsdale Community Bank opens for business, first Arizona bank to launch in 14 years - ABC15 Arizona](https://news.google.com/rss/articles/CBMivgFBVV95cUxORlQyelNsd2dfQ2VhRUZ6bGJHT2pYS1FBR1MyWGc4S28zSEs2bGh6bE5iOVVURVBaY1kxalJpRlYwaVhUeGVYdldieC1VekluZUdINU9nOXc4dzVneGIzQUVqNHc2R0swdWNlV1dQNmxYbC1nbWZPekM3Zm5ONkVTdGpnaWhtVjVtazVZUlNUZzlQZlkwTzlPTzlaQUNZZXlhMHRHSlQ5T09iNFc5Q1JaUzk1M3drMkxqS2ZzbWJR?oc=5) · ABC15 Arizona
- 2025-04-23 [Founders of Scottsdale Community Bank earn HOF honors - Arizona Digital Free Press](https://news.google.com/rss/articles/CBMilAFBVV95cUxPVFNGaXNEeElQNDFMc3BKNHBEb3QtTEdUTnBNb041VG9TTjd6MzhOM04yTzNpV3BwbGw5dUxQeGZDQ0tQR2V4dk5QeUlQMHFMTllOTUlieHlLMm9SSnpmamwwckNsTzdzV2dZSzBUS3pGWEpHRTJhaVJLWktScTVGbUc0U2RzWVdWNWUtSWpKcHF4N3Ut?oc=5) · Arizona Digital Free Press
- 2022-08-19 [Scottsdale Community Bank unveils innovative ‘Lemonade Stand Microloans’ program - AZ Big Media](https://news.google.com/rss/articles/CBMisAFBVV95cUxONnRvbW0xdHZweW1RdGY4LVVfbHNOZ0VTVjBxUFZ6UHVfTUEySzAyTWNDdnRURVBQcHJETUZzVmNoTDAxZWFGYXdaTW9tYU5WMkdUWUZVZU8wVFpLSWd4YkhvbXIwd2N6WlN3SXdkTXU5MWxlU0xYa19HOHBWcWEyeUlCdkYtTDdKeDZLY0luNzZDZTJELTUxS2dSQU11MWNXSXRhYXliSUpNNmNQZHNiQw?oc=5) · AZ Big Media
- 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
- 2019-09-25 [Scottsdale Community Bank project moves forward - jewishaz.com](https://news.google.com/rss/articles/CBMizAFBVV95cUxNQkxzeHdMZlkzRHpvUjN4V1Z6NHlDcDRSS254aXRsZHRUSWJXSHVFMTdvUnJvMHJCN0JDaHdIcDJVaWxtMEMxU0JJeU9SSHd4Wm9tT2xlZWlnZVRqd0p6eGNfeVdycEtPM2t1ZGVXcWdKVDBsY3BJZHZFUmFBQ3hOS0RYQW1aRTBSbVdsZVFMMWRiOWNjM0E2T3ZLUFpNcHUtb09WX3YyZWNMWXRpSlcwcnhnWGVlN0RKWVJ2YmdJbWg0a1BxLWNmUGFrQ0o?oc=5) · jewishaz.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=59203 (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/3.json (key "59203", 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