# CITIZENS STB OF TYLER INC
TYLER, MN · FDIC certificate 10582 · asset band <$300M · latest filing 2022-03 · stopped filing (departed)

**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 | $30.3M | |
| Deposits | $28.5M | |
| Loans and leases | $4.8M | |
| Total equity | $1.8M | |
| Loans / deposits | 16.37% (p4 of band) | 59.63% |
| Liquid assets / assets | 82.27% (p97 of band) | |
| Uninsured deposits / deposits | 14.76% (p28 of band) | 20.09% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p25 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.00% (p10 of band) | 10.37% |
| Unrealized securities loss / equity | -42.40% (p7 of band) | -10.87% |
| AOCI / equity | -25.62% (p14 of band) | |
| ROA (annualized) | -0.11% (p7 of band) | 0.73% |
| Net interest margin | 2.64% (p31 of band) | 2.97% |
| Efficiency ratio | 72.73% (p48 of band) | |
| Noncurrent loans | 0.13% (p40 of band) | 0.26% |
| Net charge-offs (annualized) | 0.01% (p82 of band) | |
| Reserve coverage of noncurrent | 2233.33% | |
| Real estate % of loans | 43% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $669,000 (13.95% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 4.7% | |
| Employees | 4 | |

## Flags firing in the latest filing

- **AOCI drag >20% of equity** (`cap_aoci`)
- **securities losses >30% of equity** (`cap_secloss`)
- **losing money** (`earn_negative`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 4 | losing money, expense ratio p90 |  |
| 2011-09 | 5 | capital falling |  |
| 2011-12 | 4 |  | expense ratio p90 |
| 2012-03 | 2 |  | losing money, capital falling |
| 2012-06 | 2 |  |  |
| 2012-09 | 4 | deposits shrinking, assets shrinking |  |
| 2012-12 | 1 |  | noncurrent p90, deposits shrinking, assets shrinking |
| 2013-03 | 2 | capital falling |  |
| 2013-06 | 1 |  | capital falling |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 4 | noncurrent p90, deposits shrinking, assets shrinking |  |
| 2014-06 | 2 |  | deposits shrinking, assets shrinking |
| 2014-09 | 0 |  | reserve under noncurrent, noncurrent p90 |
| 2014-12 | 0 |  |  |
| 2015-03 | 2 | capital falling, uninsured deposits leaving |  |
| 2015-06 | 0 |  | capital falling, uninsured deposits leaving |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 2 | capital falling, NIM <2.5% |  |
| 2016-06 | 1 |  | capital falling |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 3 | noncurrent p90, reserve under noncurrent |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 3 |  |  |
| 2017-12 | 5 | capital falling, uninsured deposits leaving |  |
| 2018-03 | 3 |  | capital falling, uninsured deposits leaving |
| 2018-06 | 0 |  | NIM <2.5%, noncurrent p90, reserve under noncurrent |
| 2018-09 | 1 | charge-offs p90 |  |
| 2018-12 | 0 |  | charge-offs p90 |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2020-03 | 0 |  | noncurrent p90, reserve under noncurrent |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 3 | losing money, NIM <2.5% |  |
| 2021-09 | 1 |  | capital falling, losing money |
| 2021-12 | 2 | uninsured deposits leaving |  |
| 2022-03 | 3 | AOCI drag >20% of equity, securities losses >30% of equity, losing money | NIM <2.5%, uninsured deposits leaving |

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

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10582 (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/22.json (key "10582", 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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