# COUNTY BANK
SIGOURNEY, IA · FDIC certificate 12126 · asset band <$300M · latest filing 2025-09 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. 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 | $230.4M | |
| Deposits | $196.0M | |
| Loans and leases | $198.6M | |
| Total equity | $26.6M | |
| Loans / deposits | 100.00% (p91 of band) | 72.79% |
| Liquid assets / assets | 9.87% (p4 of band) | |
| Uninsured deposits / deposits | 25.66% (p71 of band) | 19.24% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.73% (p60 of band) | |
| FHLB advances / assets | 2.73% | |
| Tier 1 leverage | 11.72% (p49 of band) | 11.81% |
| Unrealized securities loss / equity | -6.61% (p52 of band) | -7.16% |
| AOCI / equity | 3.02% (p47 of band) | |
| ROA (annualized) | 1.34% (p65 of band) | 1.07% |
| Net interest margin | 4.90% (p88 of band) | 3.81% |
| Efficiency ratio | 66.31% (p49 of band) | |
| Noncurrent loans | 0.65% (p64 of band) | 0.35% |
| Net charge-offs (annualized) | 0.16% (p90 of band) | |
| Reserve coverage of noncurrent | 200.31% | |
| Real estate % of loans | 68% | |
| Construction % of loans | 15.41% (p47 of band) | |
| Auto loans | $2.0M (1.03% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -4.5% | |
| Employees | 34 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **liquid assets <10%** (`liq_thin`)
- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | reserve under noncurrent |  |
| 2011-12 | 0 |  | reserve under noncurrent |
| 2012-03 | 1 | charge-offs p90 |  |
| 2012-06 | 0 |  | charge-offs p90 |
| 2012-09 | 1 | reserve under noncurrent |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | charge-offs p90 |  |
| 2013-06 | 2 | capital falling | reserve under noncurrent |
| 2013-09 | 1 |  | capital falling |
| 2013-12 | 0 |  | charge-offs p90 |
| 2014-03 | 1 | reserve under noncurrent |  |
| 2014-06 | 0 |  | reserve under noncurrent |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | charge-offs p90 |  |
| 2015-06 | 0 |  | charge-offs p90 |
| 2015-09 | 1 | charge-offs p90 |  |
| 2015-12 | 3 | loans exceed deposits, liquid assets <10% |  |
| 2016-03 | 2 | capital falling | loans exceed deposits, liquid assets <10% |
| 2016-06 | 3 | loans exceed deposits, liquid assets <10% | charge-offs p90 |
| 2016-09 | 1 | charge-offs p90 | capital falling, loans exceed deposits, liquid assets <10% |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 | capital falling | charge-offs p90 |
| 2017-06 | 1 |  |  |
| 2017-09 | 0 |  | capital falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2018-06 | 1 |  | charge-offs p90 |
| 2018-09 | 0 |  | reserve under noncurrent |
| 2018-12 | 2 | liquid assets <10%, reserve under noncurrent |  |
| 2019-03 | 0 |  | liquid assets <10%, reserve under noncurrent |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | reserve under noncurrent |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 1 |  | reserve under noncurrent |
| 2021-03 | 2 | noncurrent p90, reserve under noncurrent | capital falling |
| 2021-06 | 1 |  | noncurrent p90 |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 3 | noncurrent p90, charge-offs p90 |  |
| 2022-06 | 1 |  | noncurrent p90, charge-offs p90 |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 | AOCI drag >20% of equity | reserve under noncurrent |
| 2023-03 | 0 |  | AOCI drag >20% of equity |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 1 | charge-offs p90 |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 0 |  | charge-offs p90 |
| 2024-12 | 1 | charge-offs p90 |  |
| 2025-03 | 0 |  | charge-offs p90 |
| 2025-06 | 0 |  |  |
| 2025-09 | 3 | loans exceed deposits, liquid assets <10%, charge-offs p90 |  |

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

- 2025-11-03 [1952 – Douglas County Bank - City of Lawrence, Kansas (.gov)](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPRHkwQVZzc0JlbkoxSUx4czFxb3FQenlRdDA5Unl0ZTRtbWhYLXAtTkxtU0lXOW43bFNaMDFvRlZGSDRkelR4amgtSDM4UTVzUmZ5OW9XaHZGd3Rnd1ZZTmhNcVhLWnBDbTBObzBlLW91NFJ6cktCNmtyamMwWDRkdTVfdkt1bXNoVURJ?oc=5) · City of Lawrence, Kansas (.gov)
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2025-10-14 [Fidelity Bank & Trust finalizes purchase of County Bank locations - southeastiowaunion.com](https://news.google.com/rss/articles/CBMi9AFBVV95cUxPVklzUzZNaHAyNnZMMlEtc0diLXBCanpvbGVNWjZlN2ZsSk1rNkJFS2wwcXYyNkpQanlLUnJZbDlQVGxPSXhEblBsdHJoMHVGbmF3aHQ5RVVEU0dvR3NZX1JGcE1wREprb1RVQWloZklDM0JGRnZrTEVjeHhneTVGQ29oQUF4UkhTYnZ5OGxMekl1THJfUGhyMmN6YWNVQjZXVHM4ZW90RG5jVHoxa19jSVc3VEZkNFA2VUtEX0tXQjd5cnVnck9oNjFEQUpzUFlZUFRwMUd3dmlpNXEtc1hIS1BrV0VMOUlSU2tQdUVoaWI1dm53?oc=5) · southeastiowaunion.com
- 2026-06-30 [Jackson County adopts FY26‑27 fiscal resolutions, designates official posting place and approves appointments - citizenportal.ai](https://news.google.com/rss/articles/CBMi_gFBVV95cUxPOTlUMjlKY2JyQXlPektITDlMdXdoVnNpdG14ZVBfNDlFeXpFQ0NleTdPV1l4ZXpHbTVNVzctVF9IS0k4WGtTNUdCNXFoR1l4WG1EWVVETy1lLUNCU0ZyS0F5MHBLRU5RTC1jWEZjd09FWUFPSUhIZlB4ejlSMGQ4ZXRzM2IyQW1RT0o3OS1YdFQ3YVlSRXJ0V1R2SFpCQ01UdllDaWVzZjhXczU1TVYxYUwzbHlocXFvZGw1UFBrc29HZ3pzUFpqMFNEMUVRdFRiMWpZOFhMZmJRWWFqRlNSdzF1ZVB5YkhhYzFrZ0pZSmp0U29lYzBCM0wtYlhuZw?oc=5) · citizenportal.ai
- 2025-05-14 [Iowa Supreme Court rules in favor of County Bank in $1.3m foreclosure tied to unwritten loan promise - mpamag.com](https://news.google.com/rss/articles/CBMi9wFBVV95cUxNc1RPMzVWRXYyMnUtbFpBV0tmZ2lKYmFEbDIwSmtTNE00VGZlSExHSzZMRUZxaFVFejBrRHBsMTJURnptNWlUa3JWSmRRS0g0Tnd4eG1wd2VfSkV5WlBqNHdhNUVtU3hPLTlfeEJnRkpzZVhZRm9BTEdYMVVPY2tRX2pLS0hrdU1LUWFObTBDM0hSRWFTbmRhMkpqRXk4M0FUZk9tMF85SFZGZDhEdEdUWExsT0ZsWVYtb2xlajRyT0xpUGRkOHlsZHBzeXA2d2Y3cEF3Z2VIVmhWZk1yRndjWnpzalFKMFFSTWdmVWVQNFJxYm5xMDFB?oc=5) · mpamag.com
- 2024-06-24 [DCI Assists Taylor County with Bank Robbery - Iowa Department of Public Safety (.gov)](https://news.google.com/rss/articles/CBMijAFBVV95cUxNd0pOdEJBWmI4N3dnbmRrNEdHV0FuaVlwbHRUc0d2aFBpMU1XRmJjSGxIV1R4MkxXSzhDR24zT1pfZU1jcUJuU1A2ZnZWcnNCelp1OE1JSjNRZmlVdEl4OVJzUWxqcHNZNVMxamxmMHhNSmk1dXFGeFFBcWNxWHNMeENRVWRIWGxmdFctZA?oc=5) · Iowa Department of Public Safety (.gov)
- 2016-02-10 [Goerdt joins County Bank - press-citizen.com](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNRllxcGVyakw1Q0JROHRGT0o4ZDdlWXB3aVBibzVRMGxhMWxmVld2QUduTlIxYlNoZmVPV1ZTZzFBR2dGTlRWYUVVRV82UThmNGJva0ZWOEVqM2s3WVVac3ZaQ0liOXJfc1dnTU0yYTJmQjNSZG9NX3pMUmFIM0tKSi1WZEk2LUtKaWxjYzlnekhYNG1vN2NNVWZKR0xYWlJHSDh2YjM4YnM?oc=5) · press-citizen.com
- 2025-08-17 [Delaware County bank with regional reach marks 100 years in business - biztimes.biz](https://news.google.com/rss/articles/CBMilAFBVV95cUxNb3EwSHVwTFVPVlJFZDhyQWp0V3lHMUplRnR6aGxPUjZVUDc0WU1idUFYbi1WaWFUOWpvcWtkN2s4TTRfRVBzU2o3aWs3bjQyZEMyMEFOd25tMGdLN3pJb3VKclp3NEQ2TmVrZ0J0MEh5cVRSQ1JRQVFxTnZzMmoxWnRCdmozOThQRkhLRzUtYXhCQXJz?oc=5) · biztimes.biz

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=12126 (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/30.json (key "12126", 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