# MANSFIELD STATE BANK
MANSFIELD, SD · FDIC certificate 11136 · asset band <$300M · latest filing 2012-09 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 2 (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 | $12.7M | |
| Deposits | $10.8M | |
| Loans and leases | $1.4M | |
| Total equity | $2.0M | |
| Loans / deposits | 12.91% (p2 of band) | 69.20% |
| Liquid assets / assets | 88.39% (p99 of band) | |
| Uninsured deposits / deposits | 10.52% (p61 of band) | 8.50% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.96% (p85 of band) | 10.13% |
| Unrealized securities loss / equity | 7.37% (p72 of band) | 3.81% |
| AOCI / equity | 4.17% (p95 of band) | |
| ROA (annualized) | 0.30% (p21 of band) | 0.80% |
| Net interest margin | 1.82% (p2 of band) | 3.77% |
| Efficiency ratio | 108.99% (p94 of band) | |
| Noncurrent loans | 0.00% (p5 of band) | 1.27% |
| Net charge-offs (annualized) | 0.00% (p21 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 15% | |
| Construction % of loans | 0.00% (p7 of band) | |
| Auto loans | $36,000 (2.54% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 2.3% | |
| Employees | 3 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | NIM <2.5% |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 4 | capital falling, losing money, expense ratio p90 |  |
| 2012-03 | 4 |  |  |
| 2012-06 | 3 |  | capital falling |
| 2012-09 | 2 |  | losing money |

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

- 2026-05-15 [Arlene Smith - Aberdeen Insider](https://news.google.com/rss/articles/CBMiU0FVX3lxTFBya2tNcDdOWmo5XzJHTWRBWDkyUEJkM0hYbjgwZW45VjJJR3h1eGZTOWFkcnpxdkJNajRxbkJPeXZ5U25EX1VtdnhtQnVqRHdOX1RB?oc=5) · Aberdeen Insider
- 2023-10-27 [Connie Arlene (Arendsee) Wilkins Obituary - aberdeennews.com](https://news.google.com/rss/articles/CBMiYEFVX3lxTE5ueGhmTGlZaWhZajBfY0FsaWVjTTJoR090ZWhuM3JaTkRabTlfemVyNGdpci04NlV4dTJ6ZzBaLURxY3RUM3F6RzMwSVlxbVR2YzFkM2xUc0JvUWNnZE9lbQ?oc=5) · aberdeennews.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11136 (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/0.json (key "11136", 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