# SIBLEY STATE BANK
SIBLEY, IA · FDIC certificate 11764 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $104.4M | |
| Deposits | $91.5M | |
| Loans and leases | $66.7M | |
| Total equity | $10.6M | |
| Loans / deposits | 72.08% (p47 of band) | 73.59% |
| Liquid assets / assets | 32.30% (p49 of band) | |
| Uninsured deposits / deposits | 14.51% (p29 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.74% (p58 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.03% (p40 of band) | 11.76% |
| Unrealized securities loss / equity | -15.99% (p29 of band) | -6.57% |
| AOCI / equity | -1.91% (p13 of band) | |
| ROA (annualized) | 1.41% (p64 of band) | 1.17% |
| Net interest margin | 3.79% (p43 of band) | 3.93% |
| Efficiency ratio | 53.62% (p21 of band) | |
| Noncurrent loans | 0.46% (p54 of band) | 0.36% |
| Net charge-offs (annualized) | 0.01% (p63 of band) | |
| Reserve coverage of noncurrent | 260.46% | |
| Real estate % of loans | 26% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $547,000 (0.82% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 2.6% | |
| Employees | 11 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 2 | wholesale funding >15%, capital falling |  |
| 2012-03 | 2 | uninsured deposits leaving | wholesale funding >15% |
| 2012-06 | 0 |  | capital falling, uninsured deposits leaving |
| 2012-09 | 0 |  |  |
| 2012-12 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2013-03 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2013-06 | 2 | loans exceed deposits, wholesale funding >15% |  |
| 2013-09 | 1 |  | loans exceed deposits |
| 2013-12 | 3 | loans exceed deposits, capital falling |  |
| 2014-03 | 0 |  | wholesale funding >15%, loans exceed deposits, capital falling |
| 2014-06 | 2 | loans exceed deposits, wholesale funding >15% |  |
| 2014-09 | 1 |  | loans exceed deposits |
| 2014-12 | 2 | capital falling |  |
| 2015-03 | 0 |  | wholesale funding >15%, capital falling |
| 2015-06 | 1 | assets shrinking |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 0 |  | assets shrinking |
| 2016-06 | 0 |  |  |
| 2016-09 | 3 | noncurrent p90, reserve under noncurrent, uninsured deposits leaving |  |
| 2016-12 | 2 |  | uninsured deposits leaving |
| 2017-03 | 5 | charge-offs p90, deposits shrinking, assets shrinking, uninsured deposits leaving | noncurrent p90 |
| 2017-06 | 2 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2017-09 | 2 | uninsured deposits leaving | charge-offs p90 |
| 2017-12 | 2 | charge-offs p90 | reserve under noncurrent |
| 2018-03 | 0 |  | uninsured deposits leaving, charge-offs p90 |
| 2018-06 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2018-09 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | reserve under noncurrent |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 0 |  | reserve under noncurrent |
| 2020-06 | 2 | capital falling, reserve under noncurrent |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 1 |  | capital falling |
| 2021-03 | 1 | NIM <2.5% | reserve under noncurrent |
| 2021-06 | 0 |  | NIM <2.5% |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 2 | capital falling, NIM <2.5% |  |
| 2022-06 | 1 |  | capital falling |
| 2022-09 | 2 | AOCI drag >20% of equity, securities losses >30% of equity | NIM <2.5% |
| 2022-12 | 2 |  |  |
| 2023-03 | 0 |  | AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-06 | 1 | securities losses >30% of equity |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 0 |  | securities losses >30% of equity |
| 2024-03 | 0 |  |  |
| 2024-06 | 1 | securities losses >30% of equity |  |
| 2024-09 | 1 | capital falling | securities losses >30% of equity |
| 2024-12 | 0 |  | capital falling |
| 2025-03 | 0 |  |  |
| 2025-06 | 1 | reserve under noncurrent |  |
| 2025-09 | 0 |  | reserve under noncurrent |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2026-03-13 [20 Under 40: Brice Byker - The N'West Iowa REVIEW](https://news.google.com/rss/articles/CBMipwFBVV95cUxQaFRrbUY5MWhQWFlqRHE4cm9JMXBIb2M1RGF5YVNDUjZqMWoxWVhSam40U0dOTkFnSWZWdnFJTTZ0SzItMDJ2Z1RWOGJUTl83eDFKdGpNUkNOVTB6Z3VuajJqaUlfVUs4VC14aHdnZS02YUxYNXo5c01WOERwOGprellLangwWHRJQlI5cXFRczl2NkphNjFQamdlTUs3VTgwSlpmclJsNA?oc=5) · The N'West Iowa REVIEW
- 2024-07-10 [Albert Buchholtz Obituary Apr 18, 2011 - Jurrens Funeral Homes](https://news.google.com/rss/articles/CBMiY0FVX3lxTE5MN1MxNUJYd0N4NllrN3gwbExiNEZOZEdzSjA2dkZMQnlyYjhRWDFIcV9kODQwaUxCc3hvMk1la2poY2pYcTNPdFFkdjV2LVZabklMdWZYWGQ5YmJua0RrR3VWOA?oc=5) · Jurrens Funeral Homes
- 2017-09-12 [Hardie named Sibley State Bank president - The N'West Iowa REVIEW](https://news.google.com/rss/articles/CBMivgFBVV95cUxQM0oxZTgtdDk3NFNwUWV4QWhIU3l5clExS0xEU2wwV0Z0OXlNa1l4RWtIeHAweXZYSXJ3SzgtaThmQzFBWEtGcGdWaHIyWDA4RGNGQ1hoR0dwZEFIb3E3dW92dGczLThXM0lodFdUMHd1TlJfVjZ0YW1lbDdfX3VjLW1OUi1VZGFjQ1J5VktXWWp6Unc0NGlxSzVQanNTYndiSURXUXJHaWJvVXpiZmo2dFlSaXpwMnVwRW1DWTNB?oc=5) · The N'West Iowa REVIEW
- 2026-09-08 [College Notes: Sept. 8, 2026 - The Globe | Worthington, Minnesota](https://news.google.com/rss/articles/CBMia0FVX3lxTFBBNDd5b1djc3h1aGlseXJ5V1FfQ0NlcVpqY004T2NONGg4M19xZlFZTlFvR1kyWVFPWDN2NzJ2YXFmYWp5dHlrb0ZLa2JocGR3dU5Ea3RIMkRQRE0wWXM4bDhuZHRqQ3N3TUNz?oc=5) · The Globe | Worthington, Minnesota
- 2025-12-11 [Margarett Sylvia Travaille Obituary (2025) - Sibley, IA - Jurrens Funeral Homes - Sibley - legacy.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxNYk05TTJfLWdQdldudEdPZUNPaXdxMDkyT3IxdUduV0ZZaGtTb1F2SlQ3MXhtZWJKZHpMU0tHNjhzNUFGVG5lblhkSWF1THlwUGE0SFZWYWdJbm56OXdPeUtQM2k5ZU1KdTlPeE4yWExYV2xDV0VPSmxIb3dlNkxqS203VE05OTdqZlE?oc=5) · legacy.com
- 2024-07-11 [Elizabeth "Liz" Arends Obituary Jan 27, 2011 - Jurrens Funeral Homes](https://news.google.com/rss/articles/CBMiY0FVX3lxTE52R2pSSDdreFRWYlU2eUVIZkxveWN3X0RXZlZXQ1lPb2VJTDR4VEs0QTBEUXJWTWc1UXVaQ3FQeFE4RW10MTRVWmVBajh5T05wV1FRUEJIUlNBSzUzWE1JanhMdw?oc=5) · Jurrens Funeral Homes
- 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
- 2018-01-29 [Dr. Warren Walter Herrmann Obituary Jan 29, 2018 - Jurrens Funeral Homes](https://news.google.com/rss/articles/CBMiY0FVX3lxTFBNVVBsT29sMTNtamZiVmJCbE1kbElUWGVzajUtc3VDR2pXQ2ZkQldLNmh4akxoNUdLRmJ6dktxTWlNUGJOMUU4ZjlGNWIxNTJJbFhIVWRGOHY1MmNRUWxpZ08zcw?oc=5) · Jurrens Funeral Homes

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11764 (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/52.json (key "11764", 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