# SUNDANCE STATE BANK SUNDANCE, WY · FDIC certificate 1169 · 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 | $290.9M | | | Deposits | $255.2M | | | Loans and leases | $190.5M | | | Total equity | $30.8M | | | Loans / deposits | 73.53% (p50 of band) | 73.59% | | Liquid assets / assets | 29.72% (p43 of band) | | | Uninsured deposits / deposits | 22.02% (p58 of band) | 19.81% | | Brokered deposits | 0.00% | | | Wholesale funding | 1.38% (p56 of band) | | | FHLB advances / assets | 1.38% | | | Tier 1 leverage | 11.90% (p52 of band) | 11.76% | | Unrealized securities loss / equity | -12.41% (p35 of band) | -6.57% | | AOCI / equity | -1.40% (p20 of band) | | | ROA (annualized) | 1.68% (p76 of band) | 1.17% | | Net interest margin | 4.15% (p62 of band) | 3.93% | | Efficiency ratio | 46.71% (p9 of band) | | | Noncurrent loans | 0.56% (p58 of band) | 0.36% | | Net charge-offs (annualized) | 0.06% (p82 of band) | | | Reserve coverage of noncurrent | 268.33% | | | Real estate % of loans | 63% | | | Construction % of loans | 35.88% (p69 of band) | | | Auto loans | $4.6M (2.42% of loans; DQ 1.46%, NCO 0.00%) | | | Loans to nondepository financials | $0 (0% of equity) (p48 of band) | | | Deposits YoY | 0.3% | | | Employees | 34 | | ## 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 | 1 | reserve under noncurrent | | | 2011-09 | 1 | | | | 2011-12 | 1 | | | | 2012-03 | 0 | | reserve under noncurrent | | 2012-06 | 0 | | | | 2012-09 | 1 | reserve under noncurrent | | | 2012-12 | 1 | | | | 2013-03 | 1 | | | | 2013-06 | 0 | | reserve under noncurrent | | 2013-09 | 0 | | | | 2013-12 | 0 | | | | 2014-03 | 0 | | | | 2014-06 | 0 | | | | 2014-09 | 0 | | | | 2014-12 | 0 | | | | 2015-03 | 1 | capital falling | | | 2015-06 | 0 | | capital falling | | 2015-09 | 0 | | | | 2015-12 | 0 | | | | 2016-03 | 0 | | | | 2016-06 | 0 | | | | 2016-09 | 0 | | | | 2016-12 | 0 | | | | 2017-03 | 1 | charge-offs p90 | | | 2017-06 | 1 | | | | 2017-09 | 2 | reserve under noncurrent | | | 2017-12 | 1 | | charge-offs p90 | | 2018-03 | 2 | noncurrent p90 | | | 2018-06 | 2 | | | | 2018-09 | 4 | charge-offs p90, uninsured deposits leaving | | | 2018-12 | 3 | | uninsured deposits leaving | | 2019-03 | 2 | | noncurrent p90 | | 2019-06 | 2 | | | | 2019-09 | 3 | noncurrent p90 | | | 2019-12 | 3 | | | | 2020-03 | 1 | | charge-offs p90, noncurrent p90 | | 2020-06 | 1 | | | | 2020-09 | 1 | capital falling | reserve under noncurrent | | 2020-12 | 1 | | | | 2021-03 | 0 | | capital falling | | 2021-06 | 1 | reserve under noncurrent | | | 2021-09 | 1 | | | | 2021-12 | 0 | | reserve under noncurrent | | 2022-03 | 0 | | | | 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity | | | 2022-09 | 2 | | | | 2022-12 | 2 | | | | 2023-03 | 0 | | AOCI drag >20% of equity, securities losses >30% of equity | | 2023-06 | 3 | securities losses >30% of equity, deposits shrinking, uninsured deposits leaving | | | 2023-09 | 2 | | uninsured deposits leaving | | 2023-12 | 2 | uninsured deposits leaving | securities losses >30% of equity | | 2024-03 | 0 | | deposits shrinking, uninsured deposits leaving | | 2024-06 | 0 | | | | 2024-09 | 0 | | | | 2024-12 | 0 | | | | 2025-03 | 0 | | | | 2025-06 | 0 | | | | 2025-09 | 0 | | | | 2025-12 | 0 | | | | 2026-03 | 0 | | | | 2026-06 | 1 | uninsured deposits leaving | | ## In the news (Google News, unfiltered, newest first; check the city) - 2025-03-20 [Sundance State Bank supports Vore Scholars - Sundance Times](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOWGg2WEdhVTZuRm1aY0luSWpwdXNXWjNQUHRSNW1xd3hzNjNveDJTaXp4TGFCZl9yeGtsWUE1eVV6T3dTN2tsaEoyaGVXMXNNbGV2VHdtSjJMTDdXdlhabHlrUmlGbUxIZzJkT2R4TDliQVh6aWJCUUt0YWs4ZFRxaWMyUFQ5NTVpVEV6LUhZTW15WlcwMFF4cFV6cWl0UUZPdG9Cdm1renU?oc=5) · Sundance Times - 2023-05-14 [Mathilda Grubb Obituary May 14, 2023 - Fidler-Isburg Funeral Chapels & Isburg Crematory](https://news.google.com/rss/articles/CBMieEFVX3lxTE90QkotVTEwRzNHcHR1b19KVWlvOXFOb1p3WXNBeHAxXzFsYXdvZk9jWVN1N3dxVzRJVHlUNHpzNVZDTzVhZ0lQZUpnOW5peW9KQTVDWlpSb01JWXFsbWZiejdfY2wxSExtVXg3VFdNWjNPX2VGYXFIcQ?oc=5) · Fidler-Isburg Funeral Chapels & Isburg Crematory - 2011-07-02 [Naomi Rounds Obituary Jul 2, 2011 - Schrader, Aragon & Jacoby Funeral Home](https://news.google.com/rss/articles/CBMiY0FVX3lxTFA3VDRnR3o1YU1vTkNuM3JVd1dmVkRPTmdpdzhORjZUczBxZkhrRlNVNE81ZUdUTzhUR2FaMXdweXNxcVNwTGlVclJnQUNPTDdKU1BfNm93SUZkZVVTZkV1SXZfQQ?oc=5) · Schrader, Aragon & Jacoby Funeral Home - 2014-02-25 [Frank Blakeman Obituary - Yarmouth, ME - Dignity Memorial](https://news.google.com/rss/articles/CBMigwFBVV95cUxNRWstSmF0NFhkbHpIMHppd2UxV0I5eXhPdnB1SWRQTTFmeXI0dGhzTXFwcEpKeUpGNnJoTnl3MDVXZHV3QnRkY0tvcFZia1VkaVc3RDRXN0w2MEtuV0tkNHRoMm42cUYxREhVbWgtbjBfNGZoVjNUZWpSbXdITFpEMk1oZw?oc=5) · Dignity Memorial - 2022-11-04 [Sonya Duvall Obituary Nov 4, 2022 - Fidler-Isburg Funeral Chapels & Isburg Crematory](https://news.google.com/rss/articles/CBMidkFVX3lxTE5valNSVDU1SHBYNFprWVhNUk1qcmhUWGJHd280Vm5OZlRVdDJ5TXpXTjFnZUhWYl9HLVlyTF9uZjM2Tk1oRFV3VlhlWkNuVVN6SlJRM1FlTlZWcnFoYlhrc19IbmVBTjJhWjYxMlBIUklSZllSVnc?oc=5) · Fidler-Isburg Funeral Chapels & Isburg Crematory - 2024-03-21 [Bank donates for Vore Scholars Program - Sundance Times](https://news.google.com/rss/articles/CBMiogFBVV95cUxNZHNFUlRKYU40d01xbGpTUUtaaVh4cFNTYjJ4M3M5ak85d3g3ZGpDMGFZWFpOSF91OVFIVnhvWHU5elAxcVpyOUc0aVgyNnU2X1lKb3V4bUJwQk41eUxWSy1xSm1KSHMtTnZRQmR1VTJKRU5FMEtaRXlHYkdhTXZLQ2ljb240bU94b2J2SW9CT09tYTZTRG5vRHpKQVdSai1XYnc?oc=5) · Sundance Times - 2006-11-15 [Patricia Hilkemeier Obituary (2006) - SUNDANCE, Wyo. , SD - Rapid City Journal - legacy.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxOYVMwdkptci1rZ3ctR0hWckk2WUZqTVU3WHYtbGU3SUFBc2xPZVRBT1l5QjlzTm9UYTdRblpCWTJvM1Y3SUpLM1BQZGRJOG9uWWJxU3g2UUJYLTZtMUNSZlFiOTF2UFR0YmpqQS1PcFBMS1BOVkN0V2RrTGt4MG9iS3Nsal9obENiQ3lPNEVydDFuZm1YSzNv?oc=5) · legacy.com - 2013-02-15 [Floyd I. Carr Obituary Feb 15, 2013 - Fidler-Isburg Funeral Chapels & Isburg Crematory](https://news.google.com/rss/articles/CBMic0FVX3lxTFBSdWp6WWtXSlQxZ19uRDZfV2dRWHgtcWRRX0tCcnlJLThzQjVxQWJCaUNWVnJkSUlySEpJME5KZXRHdWdMa1otdUFudjI3SG9laTdOcnhYM0VzdFpJTDFOWFlwNzNnV1g0SDRlTk41aWhJalE?oc=5) · Fidler-Isburg Funeral Chapels & Isburg Crematory ## How to verify - Page: https://getbookiq.com/bank-desk/#bank=1169 (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/17.json (key "1169", 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