# LISCO STATE BANK
LISCO, NE · FDIC certificate 11479 · asset band <$300M · latest filing 2013-09 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 4 (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 | $17.8M | |
| Deposits | $11.8M | |
| Loans and leases | $12.2M | |
| Total equity | $2.6M | |
| Loans / deposits | 101.22% (p95 of band) | 69.26% |
| Liquid assets / assets | 30.94% (p41 of band) | |
| Uninsured deposits / deposits | 12.67% (p54 of band) | 11.87% |
| Brokered deposits | 2.81% | |
| Wholesale funding | 21.51% (p97 of band) | |
| FHLB advances / assets | 10.15% | |
| Tier 1 leverage | 14.35% (p86 of band) | 10.33% |
| Unrealized securities loss / equity | 1.21% (p84 of band) | -0.53% |
| AOCI / equity | -1.81% (p61 of band) | |
| ROA (annualized) | 1.23% (p76 of band) | 0.77% |
| Net interest margin | 3.14% (p26 of band) | 3.62% |
| Efficiency ratio | 61.63% (p22 of band) | |
| Noncurrent loans | 0.75% (p41 of band) | 1.08% |
| Net charge-offs (annualized) | -0.07% (p4 of band) | |
| Reserve coverage of noncurrent | 279.12% | |
| Real estate % of loans | 60% | |
| Construction % of loans | 14.52% (p48 of band) | |
| Auto loans | $67,000 (0.55% of loans; DQ 4.48%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -12.2% | |
| Employees | 4 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **wholesale funding >15%** (`liq_wholesale`)
- **deposits shrinking** (`shrink_deposits`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | loans exceed deposits, wholesale funding >15% |  |
| 2011-06 | 3 | reserve under noncurrent |  |
| 2011-09 | 3 |  |  |
| 2011-12 | 2 |  | loans exceed deposits |
| 2012-03 | 1 |  | wholesale funding >15% |
| 2012-06 | 1 | wholesale funding >15% | reserve under noncurrent |
| 2012-09 | 1 | capital falling | wholesale funding >15% |
| 2012-12 | 1 |  |  |
| 2013-03 | 0 |  | capital falling |
| 2013-06 | 1 | wholesale funding >15% |  |
| 2013-09 | 4 | loans exceed deposits, deposits shrinking, uninsured deposits leaving |  |

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

- 2021-07-26 [Thomas Harold Olson, Sr. - roperandsons.com](https://news.google.com/rss/articles/CBMiaEFVX3lxTFBxZmZGa1V0Ykd6ZG5mZlhibnE5ZkdHaTQ0YWRvaGhodm9FQ040ZVJTRHcyeDRJTFpyRzdzMnk1ZExhbXpUV2Q0bTBYR0VFcllTSjVyMjlkMU0yeVZmWjdyYmdxUVk4Ujlv?oc=5) · roperandsons.com
- 2022-11-17 [Points West Community Bank: A Hometown Bank Built on a Century of Grit and Determination - BadCredit.org](https://news.google.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?oc=5) · BadCredit.org
- 2026-07-20 [Rosemary Petersen Obituary (2026) - Oshkosh, NE - Holechek-Bondegard Funeral Homes and Cremations - Oshkosh - legacy.com](https://news.google.com/rss/articles/CBMihwFBVV95cUxNT3Z5MXhqWUE1QkswZ2dVR2YxMnE0TWo3d0lieElRa2lSMjZBV3hVOXh0NkZiNmRxTDhvV2drTDg1SlJPdW9KVmcxVXNNLXlaTG5JME1DRTVCRnpERFJJMGhJelJJX3pIcmZFNmZTcFM1bTV4RldzMEtqdmtGUThiTGVrWlE0NlE?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11479 (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/23.json (key "11479", 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