# HERITAGE STATE BANK
NEVADA, MO · FDIC certificate 12617 · asset band <$300M · latest filing 2018-03 · stopped filing (departed)

**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 | $134.7M | |
| Deposits | $117.1M | |
| Loans and leases | $102.5M | |
| Total equity | $12.2M | |
| Loans / deposits | 86.27% (p70 of band) | 75.02% |
| Liquid assets / assets | 18.76% (p22 of band) | |
| Uninsured deposits / deposits | 11.84% (p35 of band) | 15.14% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 3.34% (p60 of band) | |
| FHLB advances / assets | 3.34% | |
| Tier 1 leverage | 8.81% (p12 of band) | 11.04% |
| Unrealized securities loss / equity | -1.07% (p66 of band) | -2.21% |
| AOCI / equity | -0.29% (p73 of band) | |
| ROA (annualized) | 0.81% (p41 of band) | 0.95% |
| Net interest margin | 4.04% (p69 of band) | 3.73% |
| Efficiency ratio | 76.38% (p65 of band) | |
| Noncurrent loans | 0.07% (p23 of band) | 0.60% |
| Net charge-offs (annualized) | -0.10% (p5 of band) | |
| Reserve coverage of noncurrent | 1964.00% | |
| Real estate % of loans | 75% | |
| Construction % of loans | 18.49% (p52 of band) | |
| Auto loans | $2.9M (2.82% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 2.1% | |
| Employees | 40 | |

## 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 | 1 | capital falling |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 | uninsured deposits leaving | capital falling |
| 2012-06 | 1 | wholesale funding >15% | uninsured deposits leaving |
| 2012-09 | 0 |  | wholesale funding >15% |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | capital falling |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 0 |  | capital falling |
| 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 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | expense ratio p90 |  |
| 2018-03 | 0 |  | expense ratio p90 |

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

- 2024-08-23 [Obituary for Steven E. Pierce - Ferry Funeral Home](https://news.google.com/rss/articles/CBMiZkFVX3lxTE1qZ3FWNzh3X0lMajRSR3JLRHZwTW9CNXBQVTRyWHZkTEVPN0wwajhVZzFjMVV1UGFTVjZBamJuQk5weUZkblpVb3lfQVY2bW4xZW8xd05qUW9tQTl4TkFCT1dDeWNRZw?oc=5) · Ferry Funeral Home
- 2018-11-12 [Democrat on House banking panel wins Arizona Senate race - American Banker](https://news.google.com/rss/articles/CBMijAFBVV95cUxNTndkX2x2aF9pYVhIeUdTYXFvd1FOeWJNNENzX1Y0azVzMElHRlpNTFNVRjZRdlZQZVN5VUNzRlVfdW53UDVmSGJXLVcwTV9VQ1Q3N09nZUoyaC1CMXAxMU5jaXhVQVVrMnd2MDhSMk1YV1ZVRG9CLV9XVk9MNXM3amsxSWgwejAxMHpZWQ?oc=5) · American Banker
- 2016-10-27 [FFA CHAPTER AND GREENHAND CEREMONY - El Dorado Springs Sun](https://news.google.com/rss/articles/CBMifEFVX3lxTE1ZTFNtZk5PTDVWdUk5S3lzUzJfRWtvYjRyVXBWb0JhQ19MVGJHaUNiUG9JWlJVYk9PUjdaTm9Xb3l0T0hRRmNIVGZLT2IzS25zZ29IX1hOWUstRm01OERHdkNBSXBORWtPbFljZlV6ZHc5WEkzLXJvd2d1cXA?oc=5) · El Dorado Springs Sun
- 2020-06-13 [Obituary for Debbie Anne (Doolin) Hudson - Ferry Funeral Home](https://news.google.com/rss/articles/CBMiZkFVX3lxTE1ORHgyejlGT2ROenRXVWNtUVZVZFNoMmtTMWhqYlBLbVdONF9CTmJxNVZ3RnE2d1ViM2tqX01UaU9nYTQwdFlnRFNoazRPeEFWQjNiZUZYX2tNMjJTV1laZWFkVXBmZw?oc=5) · Ferry Funeral Home
- 2019-12-14 [Obituary for Kenneth Jay Wilson - Ferry Funeral Home](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE95UWFxZDRUdnhTRmltazBuVXdvVDZodDNCUGdaRFVqNVhtS2tyYzdRUENHR1p4dVVCYkJhelN0bUZ1Rmw0dTUtXzRVeklVQzBBN1hBNWxvR2Z5NUNPSVYyeUZBNHYwVzg?oc=5) · Ferry Funeral Home

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=12617 (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/9.json (key "12617", 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