# JANESVILLE STATE BANK
JANESVILLE, MN · FDIC certificate 10960 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. 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 | $98.8M | |
| Deposits | $84.1M | |
| Loans and leases | $70.3M | |
| Total equity | $10.7M | |
| Loans / deposits | 82.72% (p66 of band) | 73.59% |
| Liquid assets / assets | 25.98% (p34 of band) | |
| Uninsured deposits / deposits | 23.20% (p63 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.76% (p63 of band) | |
| FHLB advances / assets | 2.64% | |
| Tier 1 leverage | 11.44% (p45 of band) | 11.76% |
| Unrealized securities loss / equity | -6.08% (p52 of band) | -6.57% |
| AOCI / equity | -0.32% (p53 of band) | |
| ROA (annualized) | 1.54% (p70 of band) | 1.17% |
| Net interest margin | 3.58% (p32 of band) | 3.93% |
| Efficiency ratio | 53.76% (p21 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 70% | |
| Construction % of loans | 10.62% (p39 of band) | |
| Auto loans | $2.3M (3.28% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 14.2% | |
| Employees | 11 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## 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 | 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 | 1 | capital falling |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | capital falling |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | capital falling |  |
| 2016-06 | 0 |  | capital falling |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | assets shrinking |  |
| 2017-12 | 0 |  | assets shrinking |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 0 |  | capital falling |
| 2022-09 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-12 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving | securities losses >30% of equity |
| 2023-03 | 3 |  | AOCI drag >20% of equity |
| 2023-06 | 2 |  | assets shrinking |
| 2023-09 | 2 |  |  |
| 2023-12 | 1 |  | deposits shrinking |
| 2024-03 | 2 | deposits shrinking |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 0 |  | uninsured deposits leaving, deposits shrinking |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | capital falling |  |
| 2026-06 | 1 |  |  |

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

- 2016-03-29 [PORTRAITS: Janesville bank president does his part to help his community - southernminn.com](https://news.google.com/rss/articles/CBMiggJBVV95cUxOSXczT0xpVHBwRlhRbFZRd2tNc0FCdDBEOGNKZTFMeDNmUVdUeWJubFg5VkR4eHJ6a0laXzFqQXlBVnBUWjJwbC1XdElVMDdzTHNHeENQMXE2VWxmeER0Zi1ReTB4VVhIQk9UUzhGMjBNOFlVTldzZjZ3dUxOUUtIcFVNMGFQVmxUYjJPelpZOEp6b3pISmsyd2tzZk1vZ1BKMUFYOVhuelY2NWhBLTNQNTY2Q2x4QzFZQngzMUJSOVJKWk1pRXJnRGcyV0hQMHN1Wllvd2JJWHlmMkFjaG9xZHNJTzR5UkhQbk9KTmRvU0N3cDVWeVlrcE9UM2RFdWtVYkE?oc=5) · southernminn.com
- 2021-07-30 [Erik Robert Schmitt Obituary Jul 30, 2021 - Dennis Steffel Omtvedt Funeral and Cremation Service](https://news.google.com/rss/articles/CBMiaEFVX3lxTFAta0Q5eERxRm1NUUhfNnVpdUNybEpPQzZhd05nQnVvcnRyWXZtc0JIYlNHMDBIUWFLOTY2Z1ViSTg3MGdKTjc5OWVaYVpZU3l0bXVTTFQtTERtM2h3ajlETFNzM3BCWDVm?oc=5) · Dennis Steffel Omtvedt Funeral and Cremation Service
- 2013-07-19 [Joseph Britton Obituary Jul 19, 2013 - Parker Kohl Funeral Home & Crematory](https://news.google.com/rss/articles/CBMicEFVX3lxTE5fNXY3ZUo5eW9pNVNOVjFCazVoMF9PMFNFV1BCQk1wZmtZRTZDbnM1MEFUQndnQjFFeVRWUndESEdWNmdUNUsyd1hBeFZlTE92blZhQVRKalhoWW9WRG05VHFtbVl2YTBqeHBFT3R2VzE?oc=5) · Parker Kohl Funeral Home &amp; Crematory
- 2019-02-23 [Adam Dittrich, Americana Community Bank President/CEO Travels to DC - hometownsource.com](https://news.google.com/rss/articles/CBMi-wFBVV95cUxQMzJWSjJnLUpsd0VPRUJZTHJZaEhCRzYzWGN4S3NXZVBPZUlTampvNlljNVM3OU5UNUJqUXBZb2k1UmRVR3pLZUN2UVp0RkVESzZKeE53eC0yVDR5aWlDYWx2WndNbC03dlhjQzNkSVF4TWVTVmVZWFpvRHU1N0xNOXJZM0lQZEl3ZXY3X3MyM19ON0F4Q1VqdmFZWGtIT0hreldNZW1PeUR6alZFSzhRb3JmYXVpWWNZbXZJazgzVlk5TnBSM1RTT2ZzU2pYcWdFcmtBTHJMRGVWcnRualczOFdwN1hNUS1HUjN5aVNxYzRRRkFBd2VUWFo0UQ?oc=5) · hometownsource.com
- 2016-11-08 [Apryl Mae Radel Obituary Nov 8, 2016 - Mankato Mortuary](https://news.google.com/rss/articles/CBMiX0FVX3lxTE9LZjFVSlpqOEx3V3pCai04S0lSZmQ3dUVVV2ZpeVRSNXpYR2dHV1dGVVUtU1dLcW93ZGthZ1hzdjlOdGZhNHNwSl9FWmp0dVBYd1hSOHBISjFjN0FtVHQ0?oc=5) · Mankato Mortuary
- 2014-07-10 [Janesville to lose its iconic grain bins - Mankato Free Press](https://news.google.com/rss/articles/CBMi1gFBVV95cUxQV1JMMVZsQnN4Wi1CeFdQUEdIU3BudFhoeDJlS1FadnZWX3dBd2Rlb0xMZ1BmMF9ZSEV4em5DWUxZRWtCLUNZUXpHblp0Q3pfVFktNmNJeVkxRXBlSndSSDA1M3dMNjMwUDdNMGl6LTR1NlgzSGxqclNOaDBtNXp2aWtKNW8wXzBxVW5fSG9xaFdPQkFnczJjT3l5TmE3WEtaZ0dERWZsdmp0amNwT18xTTBtZWt6VWxqQ0NDdDRFNXJNZHh1d3AwVVgxM0pVUGlNME5tQlB3?oc=5) · Mankato Free Press
- 2025-06-13 [Vera Mae Stolt Obituary May 7, 2018 - Dennis Steffel Omtvedt Funeral and Cremation Service](https://news.google.com/rss/articles/CBMiYkFVX3lxTFBqVFJQYjVFTTdFbWQtczY0MHdCNVRjb1VCbUk5X040T1Brdk5pS0gyZ195N2hKbkhZVFpJTEViUU1oT1RKNTE1dWxhdzFoUTVTcVBGOVNrQnJhN2E5N2w3VXp3?oc=5) · Dennis Steffel Omtvedt Funeral and Cremation Service
- 2014-06-25 [Janesville man charged with stealing from local bar, bank - southernminn.com](https://news.google.com/rss/articles/CBMi7gFBVV95cUxQUWhhM2ZOM2xuVXVpbEZaSmpCUmRlektITHlTN1V3dnZ2eVN1QjBJbHJCX3BnUmtmR0xWTUNuX3BkbGtMYmstRDdpb2l2OVZlV21jWTd2NllXQTcwblJmbnM0ZVFxa2FvN2pkSGIxcW54R05rQkF2Q1lMazRvajFNUmx2cHllMmY0Ty14OTBxaDZWNlRKeGFTUmV6anJPT1pUd3l0dU1wV0tsRV9obTBLZVFaUGh0ZzdKVHZ4NXRDMGRTZUdvZDZNWTBGVnZXRXdtRTZtZGU5S3lJZ2dLdGl6Qm1zQjNEaDJ5LXppcmZB?oc=5) · southernminn.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10960 (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/16.json (key "10960", 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