# ASHTON STATE BANK
ASHTON, IA · FDIC certificate 11343 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. 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 | $54.5M | |
| Deposits | $44.5M | |
| Loans and leases | $34.6M | |
| Total equity | $6.6M | |
| Loans / deposits | 76.70% (p56 of band) | 73.59% |
| Liquid assets / assets | 32.51% (p50 of band) | |
| Uninsured deposits / deposits | 8.29% (p9 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 5.28% (p73 of band) | |
| FHLB advances / assets | 5.28% | |
| Tier 1 leverage | 14.70% (p75 of band) | 11.76% |
| Unrealized securities loss / equity | -24.08% (p19 of band) | -6.57% |
| AOCI / equity | 0.14% (p90 of band) | |
| ROA (annualized) | 1.41% (p63 of band) | 1.17% |
| Net interest margin | 3.59% (p33 of band) | 3.93% |
| Efficiency ratio | 55.64% (p24 of band) | |
| Noncurrent loans | 0.88% (p67 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 135.95% | |
| Real estate % of loans | 53% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $454,000 (1.31% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -1.5% | |
| Employees | 7 | |

## Flags firing in the latest filing

- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | reserve under noncurrent |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | capital falling |  |
| 2012-06 | 1 |  | capital falling |
| 2012-09 | 1 |  |  |
| 2012-12 | 3 | capital falling, uninsured deposits leaving |  |
| 2013-03 | 2 |  | reserve under noncurrent |
| 2013-06 | 0 |  | capital falling, uninsured deposits leaving |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 3 | capital falling, charge-offs p90, reserve under noncurrent |  |
| 2014-06 | 1 |  | capital falling, charge-offs p90 |
| 2014-09 | 1 |  |  |
| 2014-12 | 2 | charge-offs p90 |  |
| 2015-03 | 2 | capital falling | charge-offs p90 |
| 2015-06 | 1 |  | capital falling |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 | uninsured deposits leaving | reserve under noncurrent |
| 2016-03 | 2 | capital falling, deposits shrinking | uninsured deposits leaving |
| 2016-06 | 0 |  | capital falling, deposits shrinking |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | deposits shrinking |  |
| 2017-06 | 2 | uninsured deposits leaving |  |
| 2017-09 | 3 | wholesale funding >15% |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 0 |  | deposits shrinking, uninsured deposits leaving, wholesale funding >15% |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | wholesale funding >15% |  |
| 2018-12 | 2 | reserve under noncurrent |  |
| 2019-03 | 2 | capital falling | wholesale funding >15% |
| 2019-06 | 1 |  | capital falling |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 | charge-offs p90 | reserve under noncurrent |
| 2020-09 | 4 | capital falling, reserve under noncurrent, uninsured deposits leaving |  |
| 2020-12 | 3 |  | reserve under noncurrent |
| 2021-03 | 0 |  | charge-offs p90, capital falling, uninsured deposits leaving |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 0 |  | capital falling |
| 2022-03 | 1 | AOCI drag >20% of equity |  |
| 2022-06 | 2 | securities losses >30% of equity |  |
| 2022-09 | 4 | assets shrinking, uninsured deposits leaving |  |
| 2022-12 | 2 |  | assets shrinking, uninsured deposits leaving |
| 2023-03 | 3 | deposits shrinking, assets shrinking | AOCI drag >20% of equity |
| 2023-06 | 2 |  | assets shrinking |
| 2023-09 | 2 |  |  |
| 2023-12 | 1 |  | deposits shrinking |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 2 | capital falling |  |
| 2025-03 | 1 |  | capital falling |
| 2025-06 | 3 | noncurrent p90, reserve under noncurrent |  |
| 2025-09 | 0 |  | securities losses >30% of equity, noncurrent p90, reserve under noncurrent |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 1 | uninsured deposits leaving |  |

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

- 2025-12-01 [Down to the last penny: Banks and businesses gear up for shortages - The N'West Iowa REVIEW](https://news.google.com/rss/articles/CBMi8AFBVV95cUxQaExyLXlfdU5SclZqT09STmhaZkswbUFQQXJNal9Yck5wVEVZN3BmU0d4OFhlc1ExZUsxTnlTbjhid19SSndmRXhlNHVMSjNkVHgtbUpaWUlMbGt0NEVRbHhfdGlkREN2N2pSOGtvNFlGc2MxYkM2elY0amo5UnppR3d0WGZ4NmRsWURPY3h4Z2c2T3pnLTdJanA4dGRHZzJOT1haTmhEenZHV2dYN0dLSnNFYkFNa0x3VVJHRm9yTk1SZGp0ZmZZODZPaUdsVlNyMmZQUmFvSHgxVVRnaWZyWWNxaHBUMzlUZHZIQUFJeFA?oc=5) · The N'West Iowa REVIEW
- 2023-02-17 [Constance "Connie" Honkomp Obituary Feb 17, 2023 - Jurrens Funeral Homes](https://news.google.com/rss/articles/CBMiekFVX3lxTE5FcUFTSmdqbVp1WnpwVzY2Q1dEcDBqUFZvN19DamlveV9fTVN3MV9FNXdGLVd4WlFwWk9xNUtZekV4QnM2SEt4dS0wZ0YwQWhETG9Hc3VVcXp1SjdlWnRUT3hvSVpUVDBseXpfaGFFOEJHR0VEQ3Bnbndn?oc=5) · Jurrens Funeral Homes
- 2024-06-28 [Harold R. Winkel Obituary Feb 20, 2007 - Eldridge Family Funeral Homes](https://news.google.com/rss/articles/CBMieEFVX3lxTE13dmI5VUZpN0l5TE5qNkx3cnN0WnRNUW00WThMa1ZMbm5qRDVkRjJnYzZyZmU2d1ZHcHJVVVFVYUhBUVZZSHpCcG9SSVFXQjQ0VmpDUS15UVlyLWFpWGxCTEhtbmt4QVlKTlVscXdMamZUaURKeHh3ag?oc=5) · Eldridge Family Funeral Homes
- 2018-04-29 [Roman F. Badura Obituary Apr 29, 2018 - Peters Funeral Home | St. Paul, NE](https://news.google.com/rss/articles/CBMiaEFVX3lxTE1fOWFoRVpKTGtIMzRDeEhjT09NUGl4eDBieHZxQ05HVlVfWHh5VWdxdjNlUDVLUDdSNFZwUFk1NU93TkFleEQ0OVVGRGMtQi0xODNDOHdNU3R5RE5EMTBnZ2l5eFRWamxM?oc=5) · Peters Funeral Home | St. Paul, NE
- 2024-12-23 [Lorraine Fettes Obituary Dec 23, 2024 - Jurrens Funeral Homes](https://news.google.com/rss/articles/CBMibkFVX3lxTFBIZkltbnM5dFZQb0FaMmpuV2JNUzB1eEY5MTViOEthbzg3NWROeHRiZ2VPZTRWaW1UeHVGbTg1S3RIRng4RzFHY1Z2SHJ5blRWSU05LTlrb3ptOWtKb21pS2cwS1EwNGhFUGtWRUtn?oc=5) · Jurrens Funeral Homes
- 2019-02-13 [Couple open new bar and grill in Ashton - The N'West Iowa REVIEW](https://news.google.com/rss/articles/CBMivAFBVV95cUxPVENXOVFaUUhlc21xU1RJSDBrNjAzZW9hMUsyUW5TNHNEa1hvREI5SFhKSVVWcnBPNkNZVV80UmNqTk5EbjdkdzZqTkNDeUVBaTJkNXV6YmRjOU95MFZPSENjT2ZCQUFHejg4WFdKano4RGxvMDlkRm1lNnQ0Qi1PN3JYWjRsa3V5cTJvVkJncjNSRVgtOVpyLVlMSzZ6MzdQU2VQX05CMjZROEVrUHMwU1EtNG40YWVQdnl0LQ?oc=5) · The N'West Iowa REVIEW
- 2023-02-22 [Nancy Badura Obituary (1951 - 2023) - Kearney, NE - The Grand Island Independent - legacy.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxPdlo4UnN3aTBkREVMbExFRDlHVGpnNnhBZlpvQWdiZGNQQ0UwdjZzcGlQekJMTzJVT21yUkFXaUQ3RDJhNGphVGd5dGh5S0tlTGlyT1h3dk56ZlctQVo5TmNLTDdaYzZ2U2I5T180S19PcDZ5dmNfWnQyNEdDRTAyX2c1OXNSSmRRTWwzQW1taFNoSE43?oc=5) · legacy.com
- 2026-04-17 [Terry Glen Moser Obituary Apr 17, 2026 - Jurrens Funeral Homes](https://news.google.com/rss/articles/CBMiaEFVX3lxTE9KcDVxNjBDV1F1T0k2WFhPcXZqVWtMWVEwd2JOc2xFcU16T3RYSGcyeDgxckdjeTJyWXZFNnd1TE9zUFlLd0xSS3lnbUhoUmwzVFgydHQyRVlaZGY3UWtmNEhOdmd3eF9V?oc=5) · Jurrens Funeral Homes

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11343 (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/15.json (key "11343", 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