# AVAILA BANK
CARROLL, IA · FDIC certificate 11771 · asset band $1-10B · 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 | $1.73B | |
| Deposits | $1.42B | |
| Loans and leases | $1.19B | |
| Total equity | $156.1M | |
| Loans / deposits | 82.83% (p39 of band) | 87.10% |
| Liquid assets / assets | 25.64% (p66 of band) | |
| Uninsured deposits / deposits | 35.18% (p62 of band) | 30.76% |
| Brokered deposits | 6.03% | |
| Wholesale funding | 14.27% (p78 of band) | |
| FHLB advances / assets | 7.56% | |
| Tier 1 leverage | 9.33% (p19 of band) | 10.50% |
| Unrealized securities loss / equity | -25.02% (p13 of band) | -7.75% |
| AOCI / equity | 0.07% (p82 of band) | |
| ROA (annualized) | 0.95% (p27 of band) | 1.26% |
| Net interest margin | 3.05% (p17 of band) | 3.70% |
| Efficiency ratio | 60.86% (p56 of band) | |
| Noncurrent loans | 0.26% (p28 of band) | 0.51% |
| Net charge-offs (annualized) | 0.03% (p53 of band) | |
| Reserve coverage of noncurrent | 454.34% | |
| Real estate % of loans | 75% | |
| Construction % of loans | 42.22% (p45 of band) | |
| Auto loans | $1.7M (0.14% of loans; DQ 0.12%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 4.4% | |
| Employees | 179 | |

## Flags firing in the latest filing

- none

## Warning timeline

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

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

- 2024-06-19 [Kobe Riherd is new Availa Bank loan officer - - The Freeman Journal](https://news.google.com/rss/articles/CBMioAFBVV95cUxNM0kyckdXNlA4RG5xblFodmpXc1phdUV2SXhQQ3RodjJTODlROUt2MHQ5cWJHX3RacFlzSjRLMXJSTmpxZjZCYzdSSEFSc29GLVNPVjdyQ1FpU082NUJTY1UwdzFFQUpQQmhubEZqMlZGbHoyby1rTmNGLXJGbW9pVVdSSXozdDd3X043dEh3RkZkdXltbURXV1ZwLVFjOGFX?oc=5) · The Freeman Journal
- 2023-09-29 [Iowa bank exec disciplined by Federal Reserve, accused of forging USDA official's signature - The Des Moines Register](https://news.google.com/rss/articles/CBMi-AFBVV95cUxNbzV4RTRIUmJpTzBYX3hYZloxdjdyUHlzRDYzSHBPX2VKbWhmQjN4enN2ZVc0TkR2ZmJaX3pIckdoUElMYmZYYnVBTi1nY0I2NTlodzJ6REUxa2Y1NGZkd2h2Qk9KcjFwU29kYmxSdVlKOEQ2bmZ5bXdxMFFyTnJweDBpczFRUklGZjVTZ2VjYm5udEdCbDV5LVNkb1VMNzl0T0tFWVNzRVZLMzFWMEplVUtVTWNIN3NTODlsbmxOSHg3UFdfOVZOaW9zTVp1dUZGWmZLQV92cWR0QUxlMVJVZXpjSDR1emMwbTE1NUFWVWhzUmY4NzBNeQ?oc=5) · The Des Moines Register
- 2024-09-17 [Devin D. Landgraf Obituary Nov 15, 2023 - Laufersweiler Funeral Home & Cremation Services](https://news.google.com/rss/articles/CBMid0FVX3lxTE5yNU9mUnhCQjk1bWxjWUlLcDUtUWVZLTdsVGFhYTZoS2w0dEx6T2NNN1d2V2xjMXhUMExkMjFRZ3BYcWhKYXVhVVdJOTFJblNUbUlTZmZjQjdrUWpxQkpfVGFuRE5BRDNac0ZUZWV0Nl9FM2MxckJr?oc=5) · Laufersweiler Funeral Home &amp; Cremation Services
- 2017-05-20 [Donald E. Oleson Obituary May 20, 2017 - Dahn & Woodhouse Funeral Home](https://news.google.com/rss/articles/CBMiaEFVX3lxTE1vdmVlRnpYNmxFTFVNTUlSaHdwV3hJa1ByWTgtRzVTRkhOUzFacjJtcmZRV1JWM01sUmdYUjhCV01wZE8xeFlHbkI3b0tsaWk3c0xqZkcyQllRN1Q4Vk1fZm9DUXVhd0Np?oc=5) · Dahn &amp; Woodhouse Funeral Home
- 2020-05-13 [Availa quick to adapt to pandemic - - The Freeman Journal](https://news.google.com/rss/articles/CBMikwFBVV95cUxNNklPb1RNVHZGcFZWVEJCcEY4SnVWeERtTFpySlZvVWpVc0xSbk96empuMlpWdDBOaXg2aEVxU2hSUlNjXzJnRURYUTREa0JDamlzdkczZmxIUVVvRDgzZTBTVFpKSWdNWEI4WEc0ZG9DTm84MHZnRGdMUVBKQWhCalotNWVqWTVKNk9MRFdLR2dWYlE?oc=5) · The Freeman Journal
- 2025-07-17 [Embroiled with rogue developer, major Iowa homebuilder faces dozens of lawsuits - The Des Moines Register](https://news.google.com/rss/articles/CBMivgFBVV95cUxQWEEtd0NHdFMwM1l1b1lWbDNhVEJnbjhQSTFxWVdGTU5xVzJHdGl5V0RUckRtWVpJVThCZFZXTkFyc0hhNmFBZ19GaGJYOUpYeTFtMlBLbGZ0Vk1tRVV2ckVFVmhIVkgtaU9QYjljMkdvekZma1NsRW03c2pXMEpRSWdWQWVBbDJ4VV96a2UzNGxOMWJyZEtaMmprRXNwc1BfMkk2YlZkNVQwY05pc0p5anhnM1ZRUHoweTI4ZFF3?oc=5) · The Des Moines Register
- 2019-08-22 [Availa takes time to serve seniors - - The Freeman Journal](https://news.google.com/rss/articles/CBMilAFBVV95cUxQV3ZTZTFiVmd0MTlkZk9nWXp2WkhkbTFWU01HbGIzSzNqVkpiYjhja2wzLTJpSHZ4cDBKZkhQWFJ4R1hHMjB5XzBLcW9jTHN1YUNaUGREZGtWeEVEb19zQU1QNEQxY0poQ3NoT3JWRXJYZHJ6cUNkcFk1cXNMbS1tb25YNVJUVHlZTktINFpUN1V4Ui1D?oc=5) · The Freeman Journal
- 2026-01-06 [Hawkins re-elected mayor; McFarland is mayor pro tem - - The Freeman Journal](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNemNOeGJWZjZpdlpXZ1VTSXVGbmtpODIwZ1FWaHZwb1dtMlZDOUJ5NnBRRHdGRlhSU0JTQTc1YTFSUmxRWDJLNnE5WmlJLVFVcFZkc0JJVkRYZVV0UGsxbXp0RW13SHBCZmJVYkR3WGFZYnB5QnNOcnEtOTRpODZhVmtGVk1jRDRVaXNVVXBnVUNuRVZmN04zMDYyeVZ0U3UwTHlGWXlVRmxERU0?oc=5) · The Freeman Journal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11771 (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/59.json (key "11771", 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