# STATE BANK OF GIBBON
GIBBON, MN · FDIC certificate 11972 · asset band <$300M · latest filing 2014-06 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 3 (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 | $25.9M | |
| Deposits | $23.6M | |
| Loans and leases | $11.7M | |
| Total equity | $2.2M | |
| Loans / deposits | 49.22% (p19 of band) | 70.22% |
| Liquid assets / assets | 53.96% (p81 of band) | |
| Uninsured deposits / deposits | 12.26% (p50 of band) | 12.36% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.90% (p22 of band) | 10.41% |
| Unrealized securities loss / equity | -2.18% (p16 of band) | 0.24% |
| AOCI / equity | 0.84% (p41 of band) | |
| ROA (annualized) | 0.04% (p9 of band) | 0.79% |
| Net interest margin | 2.71% (p11 of band) | 3.62% |
| Efficiency ratio | 98.68% (p91 of band) | |
| Noncurrent loans | 3.64% (p88 of band) | 0.88% |
| Net charge-offs (annualized) | 0.00% (p33 of band) | |
| Reserve coverage of noncurrent | 30.44% | |
| Real estate % of loans | 76% | |
| Construction % of loans | 0.00% (p7 of band) | |
| Auto loans | $204,000 (1.74% of loans; DQ 9.31%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -2.8% | |
| Employees | 6 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **expense ratio p90** (`earn_efficiency`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 0 |  | reserve under noncurrent |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 1 | capital falling |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 2 | reserve under noncurrent |  |
| 2013-09 | 1 |  | capital falling |
| 2013-12 | 1 |  |  |
| 2014-03 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2014-06 | 3 | capital falling, expense ratio p90 | deposits shrinking, assets shrinking, uninsured deposits leaving |

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

- 2026-06-21 [Earl Glenn Wise Obituary Oct 27, 2016 - mvfh.org](https://news.google.com/rss/articles/CBMiU0FVX3lxTE5zU3YyLXg2a09tWGkxa1FRaWh0X3NtUjhMcGFxc0pmYy1hZmF1OVBhX2RqZHphWjlJRnd1UVlqSFVKMWphamJTOGxNenk3UzNrUzdB?oc=5) · mvfh.org
- 2023-10-15 [Diane Ohlemann Obituary Sep 26, 2019 - Bradshaw Funeral](https://news.google.com/rss/articles/CBMiaEFVX3lxTE9KajJ2eDFlanVzSlNmckVSLWpIWVczN1hmaFdCRS1zdERFTFYyMmZYdHlkZjNGWDg0QTNkaVBUSlVZaEZERWVvQ2M0cEljRXVIcXN1aHpPOWNCX1A2SVJCbWlmX0t3bkZF?oc=5) · Bradshaw Funeral
- 2023-10-14 [Bernard "Bernie" Gulden - legacy.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxPdTRFclk0ZU5rQWRVOHhTMF9SMmxzaHBpT1VKOFRaQXRQbERxclFBWVoxaDRGM3R2VkJIWnh0VHZjSEgtQ1k4RVNCVldnV1d2LTdqd2U5bEtTTlpzd0VZWTJ6TGhpb2FYWnkxSktocS1VUnRQeGpWNGZBdXl5YVY3Tms2VQ?oc=5) · legacy.com
- 2017-07-29 [Lloyd Duaine Wise - - nujournal.com](https://news.google.com/rss/articles/CBMidEFVX3lxTE9xSWMtWDRKOTBXa1BYMjcyem1COWFKY19qanMtYXQ0Tmp1d3drYnhsSFFQbUF6UjJxTnZFcEtZU242dVI2blNjdTZsd1BhRXRKNlplNWhHODhfWURCWnR5d0Z5QWJ1UWRLd1d1WmtNMnFCd0ps?oc=5) · nujournal.com
- 2018-03-13 [Carolyn E. Aufderheide Obituary Mar 13, 2018 - mvfh.org](https://news.google.com/rss/articles/CBMiYEFVX3lxTE9KTGVCUEFJWDNWc1hSa0NrV293eUo1VTRiNmpuYnpPdEF1MXROYlIwanlnMkozM0p4em5nS0gwNVh3RW0xWTdVNGtnQkdqRkhaeC0wdDBwd2h4UVJhRFRuSw?oc=5) · mvfh.org

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11972 (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/4.json (key "11972", 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