# FIRST STATE BANK OF GOLVA
GOLVA, ND · FDIC certificate 10243 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. 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 | $123.5M | |
| Deposits | $110.1M | |
| Loans and leases | $53.2M | |
| Total equity | $7.4M | |
| Loans / deposits | 47.93% (p18 of band) | 73.59% |
| Liquid assets / assets | 56.25% (p84 of band) | |
| Uninsured deposits / deposits | 31.62% (p84 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 4.49% (p71 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.01% (p11 of band) | 11.76% |
| Unrealized securities loss / equity | -47.28% (p7 of band) | -6.57% |
| AOCI / equity | -3.49% (p4 of band) | |
| ROA (annualized) | 2.29% (p91 of band) | 1.17% |
| Net interest margin | 3.93% (p50 of band) | 3.93% |
| Efficiency ratio | 40.47% (p3 of band) | |
| Noncurrent loans | 2.51% (p90 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 31.11% | |
| Real estate % of loans | 40% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $1.4M (2.68% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 2.4% | |
| Employees | 10 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **securities losses >30% of equity** (`cap_secloss`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | capital falling |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 1 | AOCI drag >20% of equity | capital falling |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 0 |  | AOCI drag >20% of equity |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | capital falling |  |
| 2015-09 | 0 |  | capital falling |
| 2015-12 | 2 | deposits shrinking, assets shrinking |  |
| 2016-03 | 3 | uninsured deposits leaving |  |
| 2016-06 | 2 |  | uninsured deposits leaving |
| 2016-09 | 0 |  | deposits shrinking, assets shrinking |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | capital falling |  |
| 2017-09 | 0 |  | capital falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | capital falling |  |
| 2019-09 | 0 |  | capital falling |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 3 | capital falling, noncurrent p90, reserve under noncurrent |  |
| 2020-09 | 1 |  | noncurrent p90, reserve under noncurrent |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 3 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-06 | 2 |  | capital falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 4 | AOCI drag >20% of equity, noncurrent p90, reserve under noncurrent |  |
| 2023-12 | 3 |  | AOCI drag >20% of equity |
| 2024-03 | 3 |  |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 3 |  |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 3 |  |  |
| 2025-06 | 4 | capital falling |  |
| 2025-09 | 4 |  |  |
| 2025-12 | 3 |  | capital falling |
| 2026-03 | 3 |  |  |
| 2026-06 | 3 | capital falling | noncurrent p90 |

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

- 2017-08-20 [Catherine Louise Norris Obituary Aug 20, 2017 - Altogether Funeral](https://news.google.com/rss/articles/CBMiswFBVV95cUxPU3BtNzJ4NC1UZTRyb21BUFZLWkFnQmlaNWdReXBDcFMzM0lkV2gyV1ZmNmtoNVktbDJnMVBhNXNqWDc3ZVprYmlrUDBKS19yXzBldExUNjVweUdVZklkUmI1Nkh3WUYyR1RXblpSbWc5dUlRaW95LXh0WG5GNDNVTVJ6X0gtVFJUcTBMSld5d1N5Uy1hV3hsX2xvUkNBNVl0d1BNNGtvcG1VYjh1WEV3VnMzRQ?oc=5) · Altogether Funeral
- 2025-04-23 [Beverly Noll Obituary (2025) - Beach, ND - Silha Funeral Homes - Wibaux - legacy.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxNa3lfX2ZfYWkyTG4teGtXejFiR0RkU1NMNDZHMDBJWVBEQXpjRTViSFNCZU9ad3pCYjZBWEtFZ3ZyZlE5cUlNNmhfQWlLOC01YThYQTlyLVFoaGJ1Q2h4djltZ05samFTcDlOSnlpejljT3AtLUlYRHotQXowWDR4cQ?oc=5) · legacy.com
- 2019-01-19 [Medora residents weigh governor's Theodore Roosevelt Presidential Library proposal - InForum](https://news.google.com/rss/articles/CBMirwFBVV95cUxOak9wYjZjR3p1Q3ZQTmxSY0VRNGc1RXF6YkZwTVdscXpmS091cERTd2RIdzVMczBuRUtCd3BGNG1uZUN6VXJJSzJJODZXVWdWWDVKaHJLbTRia29rZV9RZ0VvM3A3allJZXVMVlF3bEtQOVZGS0c0anhYaWR5a0pLeEI1QzE4SDJPOHFBcWgwVjdXd0JzRUpaRWF2Z3VqSDlvbC1PcENzMWgxR0lvZklF?oc=5) · InForum
- 2024-03-20 [Barbara Stockwell Obituary (1947 - 2024) - Beach, MT - Glendive Ranger-Review - legacy.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxPM1NjM2JJa2NzRHpTamFGMXdhV2Y5dndOX1F0WWdPQmliak5RUXJqZ2ZLbFRRWlJGZ043ZFEyb2gzTi1rR1FiUER0cXVsTi12blF6NkM3UUEyTVBTSXp0VkluVEQ5R3pfWXREd2NsaERLRmw5MlhZam5rb2pFZnFqUkVKQ29RQkF6S2N1VkJpdFdJZHN5VkgxLQ?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10243 (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 "10243", 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