# DUNDEE BANK
OMAHA, NE · FDIC certificate 10643 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 5 (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 | $975.6M | |
| Deposits | $846.9M | |
| Loans and leases | $858.6M | |
| Total equity | $88.6M | |
| Loans / deposits | 100.11% (p89 of band) | 82.04% |
| Liquid assets / assets | 9.91% (p4 of band) | |
| Uninsured deposits / deposits | 20.55% (p31 of band) | 25.97% |
| Brokered deposits | 11.98% | |
| Wholesale funding | 15.77% (p88 of band) | |
| FHLB advances / assets | 3.33% | |
| Tier 1 leverage | 9.61% (p25 of band) | 10.81% |
| Unrealized securities loss / equity | -3.16% (p72 of band) | -8.10% |
| AOCI / equity | -0.58% (p38 of band) | |
| ROA (annualized) | 2.14% (p89 of band) | 1.28% |
| Net interest margin | 3.74% (p40 of band) | 3.91% |
| Efficiency ratio | 40.43% (p6 of band) | |
| Noncurrent loans | 0.02% (p13 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p21 of band) | |
| Reserve coverage of noncurrent | 7305.44% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 216.04% (p99 of band) | |
| Auto loans | $195,000 (0.02% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 26.7% | |
| Employees | 63 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **liquid assets <10%** (`liq_thin`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | liquid assets <10%, reserve under noncurrent |  |
| 2011-06 | 4 | loans exceed deposits, wholesale funding >15% |  |
| 2011-09 | 4 | brokered >10% | loans exceed deposits |
| 2011-12 | 4 | capital falling | reserve under noncurrent |
| 2012-03 | 5 | uninsured deposits leaving |  |
| 2012-06 | 4 | reserve under noncurrent | capital falling, uninsured deposits leaving |
| 2012-09 | 5 | uninsured deposits leaving |  |
| 2012-12 | 4 |  | uninsured deposits leaving |
| 2013-03 | 4 |  |  |
| 2013-06 | 3 |  | reserve under noncurrent |
| 2013-09 | 4 | charge-offs p90 |  |
| 2013-12 | 5 | capital falling |  |
| 2014-03 | 5 | uninsured deposits leaving | wholesale funding >15% |
| 2014-06 | 6 | loans exceed deposits, wholesale funding >15% | charge-offs p90 |
| 2014-09 | 5 |  | capital falling |
| 2014-12 | 1 |  | brokered >10%, uninsured deposits leaving, loans exceed deposits, wholesale funding >15% |
| 2015-03 | 2 | capital falling |  |
| 2015-06 | 2 | charge-offs p90 | capital falling |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 | capital falling | charge-offs p90 |
| 2016-03 | 3 | loans exceed deposits, reserve under noncurrent | capital falling |
| 2016-06 | 3 | uninsured deposits leaving | loans exceed deposits |
| 2016-09 | 3 | loans exceed deposits, capital falling | reserve under noncurrent, uninsured deposits leaving |
| 2016-12 | 4 | reserve under noncurrent |  |
| 2017-03 | 2 |  | capital falling, reserve under noncurrent |
| 2017-06 | 3 | reserve under noncurrent |  |
| 2017-09 | 1 |  | liquid assets <10%, loans exceed deposits |
| 2017-12 | 4 | capital falling, charge-offs p90, uninsured deposits leaving |  |
| 2018-03 | 5 | loans exceed deposits, wholesale funding >15% | charge-offs p90 |
| 2018-06 | 4 | noncurrent p90 | loans exceed deposits, wholesale funding >15% |
| 2018-09 | 3 | loans exceed deposits | reserve under noncurrent, noncurrent p90 |
| 2018-12 | 0 |  | capital falling, uninsured deposits leaving, loans exceed deposits |
| 2019-03 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2019-06 | 2 | construction >100% equity | reserve under noncurrent |
| 2019-09 | 1 |  | construction >100% equity |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 | loans exceed deposits | charge-offs p90 |
| 2020-06 | 2 | wholesale funding >15% |  |
| 2020-09 | 4 | liquid assets <10%, capital falling |  |
| 2020-12 | 4 |  |  |
| 2021-03 | 2 |  | liquid assets <10%, capital falling |
| 2021-06 | 0 |  | loans exceed deposits, wholesale funding >15% |
| 2021-09 | 3 | loans exceed deposits, liquid assets <10%, charge-offs p90 |  |
| 2021-12 | 2 |  | charge-offs p90 |
| 2022-03 | 5 | wholesale funding >15%, charge-offs p90, construction >100% equity |  |
| 2022-06 | 4 |  | liquid assets <10% |
| 2022-09 | 4 |  |  |
| 2022-12 | 4 | capital falling | charge-offs p90 |
| 2023-03 | 3 | uninsured deposits leaving | loans exceed deposits, wholesale funding >15% |
| 2023-06 | 2 |  | capital falling |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 | loans exceed deposits | uninsured deposits leaving |
| 2024-06 | 3 | wholesale funding >15% |  |
| 2024-09 | 3 | brokered >10% | loans exceed deposits |
| 2024-12 | 2 | capital falling | wholesale funding >15%, brokered >10% |
| 2025-03 | 4 | loans exceed deposits, liquid assets <10% |  |
| 2025-06 | 3 |  | capital falling |
| 2025-09 | 5 | brokered >10%, wholesale funding >15% |  |
| 2025-12 | 6 | capital falling |  |
| 2026-03 | 2 |  | loans exceed deposits, liquid assets <10%, wholesale funding >15%, capital falling |
| 2026-06 | 5 | loans exceed deposits, wholesale funding >15%, liquid assets <10% |  |

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

- 2025-03-31 [Banking on Success - University of Nebraska at Omaha](https://news.google.com/rss/articles/CBMinwFBVV95cUxPc0pqY2c0MmtJZkI4a1ZKVTBwblpLd0RqMTl1OFhkOTk4MUQ0VnZ4MzlzXzZDWmNDNWpGZF9Oc1dlVXVfZkZaSDBrOUxhVUpReG5JenIyNFl3SnBXNl9wUWY4TXVva1lWX3dXSWszaDVyNWlveWE0ZVJCVWhXUHhhWFprOG0zZHV2NkRDMEJxSktkWDdGalh1RlpxUjc4NEU?oc=5) · University of Nebraska at Omaha
- 2025-09-22 ['Damaging for America': Organized crime wave hits Nebraska banks - KETV](https://news.google.com/rss/articles/CBMioAFBVV95cUxORzVsV2lvbmw5aWx3MDZEZHZGVG1wNk0xZ0NjOFh4cUY0UzZpd3hMcTJwaWxBUXV3WmNaT0doZnR0Q2ZsTmk4RW4zMUktVHR3MW1nY1ZxeWltelllaEFpSjQ0dWpnUXBjQzUyZENPOUlmaDdMVGFTN0VzTjZFYm0xVmdwQ0poOVJLaUJNQ25RQTFOajFpVG03OGtyOHZnV2Vi?oc=5) · KETV
- 2016-05-24 [Dundee Bank is taking over a Benson institution that lasted decades without checking accounts or even an ATM - Omaha World-Herald](https://news.google.com/rss/articles/CBMifkFVX3lxTFBtTjVQcnpBdC03bTJqYjk1aW1iNHA2X0hvN05RaWxYVmdBSGVZR2dUaTlDV0YtLTYxc0N2WGpGWWJNdTFTM3hLcnUzSm4xZDZOeW96dWk3a0Y4dm96TjlTZGYzSFVYV21MT2UtUktDVVB5U3NsYzlJZW5sLUJZZw?oc=5) · Omaha World-Herald
- 2020-08-10 [Boyd Jones adds rooftop PV to bank in Nebraska’s Dundee neighborhood - Solar Builder](https://news.google.com/rss/articles/CBMiowFBVV95cUxNVEZfbklwV1JSR3lUYXVOd1E0cHhMQ1VmWDltRm1hNldJQXVJTlA4T3JBOUVhelNqa3dhdTN2d1ZuY0EtVlRqNE1hQzJXdFUtRnFLTkFMVWVrTVNXU0MtNE94ZVA0OEtONTRfM28zMjhHNEdZRUNhR0IzbFQ2Z3c1dlJPeDhiQ0hYa1c0Wm1yUTNKcXdWNk45enZIRXNDcTRGdnpZ?oc=5) · Solar Builder
- 2015-06-25 [Dundee bank manager embezzled £90,000 from own branch - BBC](https://news.google.com/rss/articles/CBMibkFVX3lxTFA3S3ZQNkJWMFF5ZUNwWXBubW9mZ3RudjVyVF90WFRpYi13U1RQWGtZdDlDVmg2UzRrRlpDUGJPVHY5MWpzYk9oakhWTlhrNVc2OUZoNTRsejNRLWtweFBOc1JLdUhRazFYUTVxazVn?oc=5) · BBC
- 2026-05-11 [Opening date revealed for new shop and takeaway at former Dundee bank - The Courier](https://news.google.com/rss/articles/CBMikgFBVV95cUxNMVZ6Y0cxdVlSTjN4RFFVM0hHemxJeEZwQVBQMXFSOHJlT2VFWDZ4YnRURGVvX2R2T0t0U1RjaVF4N3FfUENqLWltQ0NYZnZranl3Y1kzYXViT0JhYlYyRHNIVUhtR1RtVnZJQUp6dEh1RnJocEI0eHJkX3R4VXV6Vm1MREVYVEdxOUg0eDd2ZjNEQQ?oc=5) · The Courier
- 2015-07-23 [Dundee bank manager who stole £90,000 from his branch is jailed - BBC](https://news.google.com/rss/articles/CBMibkFVX3lxTE9DTVpUdlVJNkZQUTF5MzZtbVAxNnFXeG1TcEs1MTk2UVZIeTkwY3lrV2VraHBBOHdGYVU0LUVEMUxMSmZ4Z0ttOXUyckc4MmNsaExwOXhJQTZ3Y0o1cDBiLUZ3dEpEQnhXcjUydXRB?oc=5) · BBC
- 2025-10-22 [Former Dundee bank could be turned into convenience store - The Courier](https://news.google.com/rss/articles/CBMiwwFBVV95cUxOSG10T0RlNzRaT3EwUW9BYlBWc0VpM1FsWXJGVl91aURlclVJNk5UQzYwbllBaEJTcHZuRGZrQmxubmtIc1FZVFlfSERiSjBsdHpZZVh0VmhldjZEVUVqaS1RbDJONW45dHQ0YXVQdjJSdXh2OEJjMVRNbU9Ta0oxNHhZZ1FBTFNkc0dycEFYX3dFNHNYZTRyUFFxbHBIWGtEcjNFZkVPLVlsYW9VRTdtQVUtNHVJS2VVaDRDTHBvNkhJVEE?oc=5) · The Courier

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10643 (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/19.json (key "10643", 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