# LEIGHTON STATE BANK
PELLA, IA · FDIC certificate 10118 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $298.2M | |
| Deposits | $254.4M | |
| Loans and leases | $221.5M | |
| Total equity | $34.1M | |
| Loans / deposits | 86.31% (p73 of band) | 73.59% |
| Liquid assets / assets | 21.72% (p26 of band) | |
| Uninsured deposits / deposits | 20.15% (p51 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.57% (p62 of band) | |
| FHLB advances / assets | 2.57% | |
| Tier 1 leverage | 10.99% (p39 of band) | 11.76% |
| Unrealized securities loss / equity | -3.88% (p61 of band) | -6.57% |
| AOCI / equity | -0.79% (p33 of band) | |
| ROA (annualized) | 1.80% (p79 of band) | 1.17% |
| Net interest margin | 3.73% (p39 of band) | 3.93% |
| Efficiency ratio | 58.09% (p30 of band) | |
| Noncurrent loans | 0.79% (p65 of band) | 0.36% |
| Net charge-offs (annualized) | 0.01% (p68 of band) | |
| Reserve coverage of noncurrent | 111.58% | |
| Real estate % of loans | 72% | |
| Construction % of loans | 25.29% (p60 of band) | |
| Auto loans | $756,000 (0.34% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 7.0% | |
| Employees | 44 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 0 |  | reserve under noncurrent |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | uninsured deposits leaving |  |
| 2012-06 | 0 |  | uninsured deposits leaving |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 1 | capital falling |  |
| 2013-12 | 0 |  | capital falling |
| 2014-03 | 1 | reserve under noncurrent |  |
| 2014-06 | 0 |  | reserve under noncurrent |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | capital falling |  |
| 2016-12 | 0 |  | capital falling |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2018-06 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | uninsured deposits leaving |  |
| 2019-03 | 2 | capital falling |  |
| 2019-06 | 1 |  | uninsured deposits leaving |
| 2019-09 | 0 |  | capital falling |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | reserve under noncurrent |  |
| 2020-06 | 0 |  | reserve under noncurrent |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 0 |  | capital falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 2 | charge-offs p90, uninsured deposits leaving |  |
| 2022-03 | 1 |  | charge-offs p90 |
| 2022-06 | 0 |  | uninsured deposits leaving |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2024-03 | 0 |  | charge-offs p90, reserve under noncurrent |
| 2024-06 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 | capital falling | charge-offs p90 |
| 2025-06 | 1 |  | capital falling |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 0 |  | reserve under noncurrent |
| 2026-06 | 0 |  |  |

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

- 2023-06-05 [Leighton State Bank opening new location in Knoxville - Oskaloosa Herald](https://news.google.com/rss/articles/CBMi1gFBVV95cUxPMTlvbDhISDQydENKOUh5TXRaTzdXcE1ma0FSaHlGTDR5NS1GbjlEb1RMT3pCWU1IQ000RDFGMmxyYzNrZ1dSRDNXYU00cE9WdXdrZEYyQktJMEcwdFptY0xDUEVDTUhaT1JvTGdrbXY2OU5UcnBfa1IyTkVkX3BaMlNOdExoOXExUG5UcXRCUU42LUtKdXkza0RMbHlMdVNmMkV3UGNiOVRlakx4d1QxZk1JWGJjQU1TSV9fX3MwejRvRjdGU3VkeWhnRjhGWlgzdTktVk1n?oc=5) · Oskaloosa Herald
- 2026-04-22 [Leighton State Bank Accepting 2026 Teacher of the Year Award Nominations - kniakrls.com](https://news.google.com/rss/articles/CBMinwFBVV95cUxQSW9oUkh6QlJQR1BQeWdSWEdrNTdsX0V6VFhFZmFQMWMxbERFclo2LVhPbmdBcFVzY3FUaEZLNU1jVExidG9PckRrUEd0QW5rN3lqSFlXcEZvRTZxM3hnaUxpbmZjcmRlWEdPNXJJWHl2cS16dVl3Q19HYmFySWpDaHdUcUxPWjMyUTg5eDF3YlZNR19uUDB4Q1pqRjBxTG8?oc=5) · kniakrls.com
- 2026-06-28 [Chris Martin Is A Knoxville Winner - Speed Sport](https://news.google.com/rss/articles/CBMilwFBVV95cUxOSHBNWWNGUHRaVHB0MV9aeHhYc2diREktN3ZHVDQ1WHNSZVRZUjNYX0tKYzhiWEdNblIwMVJtTnppcFF4ZktZcWhFdWVTeFliWVloWFd1N3VwanZqUU1YNVVveFBVdlVzUE9TRzZjaFI2WmRCM3BoLVFBcnFieGJUdVJsdEhvOXRUSG1oSmNfd1dKT0l1eU4w?oc=5) · Speed Sport
- 2026-06-27 [Chris Martin Goes Wire to Wire With First Career Knoxville Win! - Open Wheel 101](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNbUZ4NFE3MTVFUXVfWVhuNWdoX05xUDhMN09iMV9XNDhxbXh4bDQxYVVWSHJGR09VMGd6YXdCRmlBeHNxVHk2dVdQM29vZ1VlekJRVzJMS3J6WmNfZ0ZOam0xZFhRazlwN0FrMkxiTS0xcTctNlJKUkJOR0QyY2xna0dYa2d3LVBqeXFtUGotUFpvSi1Vb3A1N0x4NDR3YlNVcHlUMTdjVWQ?oc=5) · Open Wheel 101
- 2016-02-10 [Goerdt joins County Bank - Iowa City Press-Citizen](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNRllxcGVyakw1Q0JROHRGT0o4ZDdlWXB3aVBibzVRMGxhMWxmVld2QUduTlIxYlNoZmVPV1ZTZzFBR2dGTlRWYUVVRV82UThmNGJva0ZWOEVqM2s3WVVac3ZaQ0liOXJfc1dnTU0yYTJmQjNSZG9NX3pMUmFIM0tKSi1WZEk2LUtKaWxjYzlnekhYNG1vN2NNVWZKR0xYWlJHSDh2YjM4YnM?oc=5) · Iowa City Press-Citizen
- 2023-12-21 [Heart of Pella receives $25K pledge from Leighton State Bank - Oskaloosa Herald](https://news.google.com/rss/articles/CBMi5gFBVV95cUxPWDFVS01fbnktVV82RFYtM2VEUGk5M2FhYW94MUFlREpLS2pVaVh4VVFKUXVBd3pqSDNtaFk3bFFVZnh4alo0QlJvRl9SU2dNOGl0R2RZNG9xQXZ6c1MwdXJJSjVuUGVLaDV2amZPWEljT3FIZ2pzY1FKVHNmYUlYcnlYUDhrbFNaOEo0T09NMGUyU2cwT1ZQSFZiOGxGNDliRE1lanMyOFRrUkRkcEJNdTRlWFRwMno2LVJJNDFRRVhoMTl2SndvVTZXQ1ZQdzlONWdoWWhGZHlJMW1vOUhPSWhDYUt5dw?oc=5) · Oskaloosa Herald
- 2026-05-16 [Rain Stops Dennison Racing Tees/Jersey Freeze Night After Qualifying! - Open Wheel 101](https://news.google.com/rss/articles/CBMirwFBVV95cUxOSTBGb1IxQm4tdlhncUktZ19HazNKV1JzcXdOcjZ6V0dtVWM1bXhlNXFEUkk0eE1RczZCY1BXMUk3a3ZRcW44TDBTQ2pTQ205ZTNiQXdldVFYMEg3bHpEZVBSNDZJMkU5QlR3S3Vlak9LdVBLZU9nTjNRbldiVEZxMzl4Yy1TanVieHVjWHJScGlHajg2b1RXaTBhQ1hnXzVJLXpfWEZjWGgxSmtiOVJZ?oc=5) · Open Wheel 101
- 2026-05-10 [McCarl Keeps Rolling With Knoxville Score - Speed Sport](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOQWNONjRtcTZxQ2lHbzY5MXBHa2xXWTI3V3I5OEl3U2pzOF9kMVBsTGJPcXB6LW50cjZWWnhsMkpZOU84S3ZCTWc4NmhNUmxhTHVJRi03ZlFWNHBNbHN5M0pmMHUxc09GNEtTYWZjOWJWbm9mbzBuMUZ6aFBkRWpQcmtVMFptTWtN?oc=5) · Speed Sport

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10118 (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/6.json (key "10118", 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