# ALTURA STATE BANK
ALTURA, MN · FDIC certificate 10173 · asset band <$300M · latest filing 2016-06 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $48.2M | |
| Deposits | $40.3M | |
| Loans and leases | $29.6M | |
| Total equity | $7.7M | |
| Loans / deposits | 72.91% (p47 of band) | 74.58% |
| Liquid assets / assets | 34.61% (p56 of band) | |
| Uninsured deposits / deposits | 8.37% (p24 of band) | 14.02% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.14% (p37 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 15.90% (p89 of band) | 10.79% |
| Unrealized securities loss / equity | 0.61% (p27 of band) | 2.02% |
| AOCI / equity | 0.51% (p36 of band) | |
| ROA (annualized) | 0.70% (p39 of band) | 0.86% |
| Net interest margin | 3.60% (p46 of band) | 3.65% |
| Efficiency ratio | 83.84% (p78 of band) | |
| Noncurrent loans | 0.75% (p52 of band) | 0.67% |
| Net charge-offs (annualized) | 0.17% (p85 of band) | |
| Reserve coverage of noncurrent | 89.69% | |
| Real estate % of loans | 63% | |
| Construction % of loans | 1.31% (p19 of band) | |
| Auto loans | $459,000 (1.55% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -0.0% | |
| Employees | 8 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | reserve under noncurrent |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 2 | expense ratio p90 |  |
| 2016-06 | 1 |  | expense ratio p90 |

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

- 2020-04-19 [Kramer is new president at Security State Bank of Wanamingo - southernminn.com](https://news.google.com/rss/articles/CBMi8wFBVV95cUxPTkJBMm9nSkFTQW9XTVUwemprdm5WOE05QnFscGJQdE5qbnZId01yOVJJMDk2dlQ2RTBueE8zRXI0UEFfejRXWXZwb05KSmhQUVZuWUdKeTRZSHVqSEtvMVRLLVpoTFBMVGRGODJJN3lFX000MTZiSExwVzB4R2xPTFFQeTBVMkNLMEltSV8xX3p2dFlYNkhMMzRRXzJQM0dXRlF0b1pkeTAzRmdnakJ3STRDV2UtZll4SERkbnNyd1oxc2pBTjFtZHRhR3FjWjFRQmFiVkV1YWJTOThqTmRVUC1XLVZYcWozbWlIcnBDaUJzZlk?oc=5) · southernminn.com
- 2026-07-02 [Betty Jean Gatzlaff Obituary Jul 2, 2026 - Hoff Funeral & Cremation Service](https://news.google.com/rss/articles/CBMiY0FVX3lxTE91Wm5Hb0I1MWY5MnNROU4zZG11SHZHd2FKa3NLSlV4UXI2RGExcXc3UFpxaHY2RVVNc2lHb0dNNXM2cHJlNHdZMVhpaW9xOFFSTXFJa3hlMFluazhuanRXM010aw?oc=5) · Hoff Funeral &amp; Cremation Service
- 2014-09-05 [Wakefield elected treasurer of ICBM - hometownsource.com](https://news.google.com/rss/articles/CBMi2gFBVV95cUxQZUpvalRwNWlyRlBhbGg3VVVfV3BnYTZnbmlVUWZxTHBKaEoxS25rZVg3ODdvT1FYeVplT0xFSF9DV3JkN3NjcjM4dkFYcWZMbHNpTlVJTUEwVmJ1bFVIZE1GZ1dkdk5VeE9lS0Zoejl4ZzRITjNrMl9BQ21ZTlRXdUpHUm9sd3VoSXN4ZlNXcWJMUW41UmRfQXdnVU5vZmhOa3Z4OUVaRFN0WVlUeDlDb0VHbk9LN2tNVV9lbDdLRFlLZGxIcHVQZlVnR3hsR3RYLWgtaGhFMFpSZw?oc=5) · hometownsource.com
- 2021-08-16 [Potter, Kathleen M. - winonapost.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxQYTVVXzFpRGNXX3dWdW9QNjRXb0JuYW5wWnlReWlpd1otMy1iVGhxX1JZQVhVdEl2U1VqR2Z2ejVaNXk5bjlLX0YtNUM3SENVYmlNYVUyV09vVUV3SERzWUNEdWlRQlVycnpWWWJOSnJqRDZNYkNiREs3QzNjYVhtRDYwWEQxcUxiUW84dEItLVVxWVdEbWlLR3BB?oc=5) · winonapost.com
- 2023-01-29 [Beverly "Bev" Nelson Obituary Jan 29, 2023 - Hoff Funeral & Cremation Service](https://news.google.com/rss/articles/CBMiY0FVX3lxTE04NHpQVHZSMG5WTUJqbi1oa2JlS1NyRi1fRFRXSlBudm1pZnQ5YW5jMm1sMFB4UlRNcXBBSktzbGxGTDRjb0xBLUpmcndaYTBTXy1iUWs1bVFQS3d3TkNtcGRWcw?oc=5) · Hoff Funeral &amp; Cremation Service
- 2022-09-16 [Patricia Schultz Obituary Sep 16, 2022 - Hoff Funeral & Cremation Service](https://news.google.com/rss/articles/CBMiZkFVX3lxTFBKRmZIU2xnandLYXo5MEZYUlNpazNDYkVzak05eXY3VDVqbm1Nb2hXWkpCVUFMNXVXaWVVQ09FTGZ0ZGdQOXltT2U5X2hXVkpSTEJ2dUhObUNOb2pnMVYxck9aNW5WUQ?oc=5) · Hoff Funeral &amp; Cremation Service
- 2007-02-09 [John Henry Gatzlaff Obituary Feb 9, 2007 - Hoff Funeral & Cremation Service](https://news.google.com/rss/articles/CBMiakFVX3lxTFAta2FzdlBHVFhCVlBZRFN5TEZDYi1vX1duc1hPc2tnYU51Ni1wXzJYeTVUSjFHOTVQV3RvaGFkbFZiWWRIWWw1QmJWbTVwR041MXJjdmRoWnlyZ2pMX1dNaDFBTFg5a21ObXc?oc=5) · Hoff Funeral &amp; Cremation Service
- 2005-01-29 [Thomas Leo Doran Obituary Jan 29, 2005 - Hoff Funeral & Cremation Service](https://news.google.com/rss/articles/CBMiZkFVX3lxTFBZOXpEZEl6d2dLS3lBNVVCRDR6MDBqUlhkSDBlTUhiTnpCZUxJYlpkQUlpZnRRbVpEN2pBZWV3NlBiVXFfOHMwemNjREFRQnZEWHJxeGIweEJ5QnFPYnFCWGtmdVM2UQ?oc=5) · Hoff Funeral &amp; Cremation Service

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10173 (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/61.json (key "10173", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide