# SUCCESS BANK
BLOOMFIELD, IA · FDIC certificate 10127 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. 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 | $277.1M | |
| Deposits | $236.5M | |
| Loans and leases | $208.8M | |
| Total equity | $32.9M | |
| Loans / deposits | 87.46% (p75 of band) | 73.59% |
| Liquid assets / assets | 20.87% (p24 of band) | |
| Uninsured deposits / deposits | 29.24% (p80 of band) | 19.81% |
| Brokered deposits | 0.73% | |
| Wholesale funding | 2.53% (p62 of band) | |
| FHLB advances / assets | 1.81% | |
| Tier 1 leverage | 12.22% (p55 of band) | 11.76% |
| Unrealized securities loss / equity | -3.36% (p64 of band) | -6.57% |
| AOCI / equity | -1.44% (p19 of band) | |
| ROA (annualized) | 1.67% (p75 of band) | 1.17% |
| Net interest margin | 4.19% (p64 of band) | 3.93% |
| Efficiency ratio | 57.72% (p30 of band) | |
| Noncurrent loans | 0.33% (p49 of band) | 0.36% |
| Net charge-offs (annualized) | 0.01% (p64 of band) | |
| Reserve coverage of noncurrent | 289.47% | |
| Real estate % of loans | 80% | |
| Construction % of loans | 4.71% (p28 of band) | |
| Auto loans | $1.2M (0.58% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 4.3% | |
| Employees | 26 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 1 | liquid assets <10% |  |
| 2012-12 | 0 |  | liquid assets <10% |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 2 | loans exceed deposits, liquid assets <10% | capital falling |
| 2013-09 | 1 |  | liquid assets <10% |
| 2013-12 | 1 | liquid assets <10% | loans exceed deposits |
| 2014-03 | 0 |  | liquid assets <10% |
| 2014-06 | 2 | liquid assets <10%, charge-offs p90 |  |
| 2014-09 | 1 |  | liquid assets <10% |
| 2014-12 | 0 |  | charge-offs p90 |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | liquid assets <10% |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 0 |  | liquid assets <10% |
| 2016-03 | 1 | capital falling |  |
| 2016-06 | 3 | loans exceed deposits, liquid assets <10% |  |
| 2016-09 | 2 |  | capital falling |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 3 | charge-offs p90 |  |
| 2017-09 | 2 |  | charge-offs p90 |
| 2017-12 | 1 |  | loans exceed deposits |
| 2018-03 | 1 | capital falling | liquid assets <10% |
| 2018-06 | 2 | loans exceed deposits, liquid assets <10% | capital falling |
| 2018-09 | 2 |  |  |
| 2018-12 | 1 |  | loans exceed deposits |
| 2019-03 | 1 | charge-offs p90 | liquid assets <10% |
| 2019-06 | 1 |  |  |
| 2019-09 | 0 |  | charge-offs p90 |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 0 |  | capital falling |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 2 | capital falling, charge-offs p90 |  |
| 2024-06 | 0 |  | capital falling, charge-offs p90 |
| 2024-09 | 0 |  |  |
| 2024-12 | 1 | capital falling |  |
| 2025-03 | 0 |  | capital falling |
| 2025-06 | 0 |  |  |
| 2025-09 | 1 | deposits shrinking |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 0 |  | deposits shrinking |
| 2026-06 | 0 |  |  |

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

- 2024-08-04 [Jane Yates - View Obituary & Service Information - Wagler Funeral Home](https://news.google.com/rss/articles/CBMibEFVX3lxTE13UXptVHBZMEY0N2ptT0VqWUh6R1Q4dThVeVhJMndvUW0tOGJhZUY5cWl0LVQzMURERDBtUDZIMUYyaHYzSWxEbTJVbXhBdm9KMUREOU1TVDZoaFhKcExoejg3MkFaTWFZUWoxTA?oc=5) · Wagler Funeral Home
- 2023-03-10 [Benefit Planned For Davis County Couple Who Lost Home To Fire - Ottumwa Post](https://news.google.com/rss/articles/CBMioAFBVV95cUxNaFFBTktkTV9UTjR0cUhLZHFGTDdjZTFPUnRsYzg3dXNqS0VFTzRpQU92N1hHd1lfeDZmcU1idV9oMi0wNms1MmZCQkdRcVprZjdaQjgzMDVSNjF3LWJvMHNNR0hkY053WFBxZmxxZ1JTRThKczJ0S2o2SnY1d3B3ZHZTbnpBcnRJc1EtYktHWmdVWGkyU1dzRTV2cENJa05m?oc=5) · Ottumwa Post
- 2023-06-03 [Shore Fishing Tips | Catch More Fish From the Bank - Wired2Fish](https://news.google.com/rss/articles/CBMikgFBVV95cUxPVm1NYnZteEVpdE9sS1d1bHFrTUhEZUhyU2xxYWNrY1N6Q3VZYkkzTEhBcWpLSHVla0w4Zi1CeFFXUHFIUTRMblFjZ1RUSzVSOEVkU1J3cklTS1N0Qmo1cGFrdjRVb2FTS093c0Q0MXU4YTNWWTZKYU1qU3ZJYWdUZDY2bk1kb3lHVUdzbkFqQkk4Zw?oc=5) · Wired2Fish
- 2023-01-09 [Nancy Logan Obituary - Visitation & Funeral Information - Wagler Funeral Home](https://news.google.com/rss/articles/CBMibkFVX3lxTE90RXR0ekx3alB3NFBEU2VJSXNYYTZXRVBLZUMyUFVRaTYtZ3VER0tSaGxLNlp4WXdTVS1JVDFIR3BGUzd3aUZmcU5XWGZFQ3VHWFNnN2ZiN3ZpUHJjaWJJMHBjVmt6SkZJSzVCNHVB?oc=5) · Wagler Funeral Home
- 2023-09-10 [Janet Boone - View Obituary & Service Information - Wagler Funeral Home](https://news.google.com/rss/articles/CBMia0FVX3lxTFBZS25JNWhyeFFtOVU3Ym1tamZsOWEyalZCYVcwT0trOE5CN3lZXzlyMDVDWmdnN2R3WlItRUc1NmF3d0NkZnRRWlJEX0toRWMwMUx4SEZQVHhMa1M3MHJHeVdlTTQwck8zT3JZ?oc=5) · Wagler Funeral Home
- 2023-04-13 [Lloyd Banks Announces A New Album Set To Drop Next Friday - HotNewHipHop](https://news.google.com/rss/articles/CBMimAFBVV95cUxNdlNibnpxUkd1ZXZOd3RMREcwWWJacnRQX0JCS2Y4NXRkd2NrM19POVlFM0pXdGNLZC1YWGJFSGtMNkNqSElMdF8ybmZHRjhYa05leHhVZ3U2eEJCaERuUXkwdFhBRjFUVjlmMExZUEJoNkFNX01tOTdSUjVUQW5mTjFqY0djOEZ1Rk0wZmprTFBEcEs5bkNFUg?oc=5) · HotNewHipHop

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10127 (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/15.json (key "10127", 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