# BANK OF PRAGUE
PRAGUE, NE · FDIC certificate 12745 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 2 (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 | $48.5M | |
| Deposits | $43.0M | |
| Loans and leases | $34.7M | |
| Total equity | $5.3M | |
| Loans / deposits | 80.02% (p62 of band) | 73.59% |
| Liquid assets / assets | 27.25% (p37 of band) | |
| Uninsured deposits / deposits | 7.89% (p8 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.15% (p42 of band) | 11.76% |
| Unrealized securities loss / equity | -2.12% (p70 of band) | -6.57% |
| AOCI / equity | 0.11% (p89 of band) | |
| ROA (annualized) | 2.30% (p91 of band) | 1.17% |
| Net interest margin | 4.92% (p88 of band) | 3.93% |
| Efficiency ratio | 64.06% (p45 of band) | |
| Noncurrent loans | 1.22% (p75 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 80.14% | |
| Real estate % of loans | 19% | |
| Construction % of loans | 13.25% (p44 of band) | |
| Auto loans | $1.3M (3.60% of loans; DQ 3.12%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 13.1% | |
| Employees | 8 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | uninsured deposits leaving |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 0 |  | uninsured deposits leaving |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | capital falling |  |
| 2013-09 | 0 |  | capital falling |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 0 |  | capital falling |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | charge-offs p90 |  |
| 2015-06 | 2 | capital falling |  |
| 2015-09 | 1 |  | capital falling |
| 2015-12 | 0 |  | charge-offs p90 |
| 2016-03 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2016-06 | 2 | charge-offs p90 | deposits shrinking |
| 2016-09 | 1 |  | charge-offs p90 |
| 2016-12 | 0 |  | uninsured deposits leaving |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 0 |  | capital falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | capital falling |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 0 |  | capital falling |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | capital falling |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 0 |  | capital falling |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 1 | uninsured deposits leaving |  |
| 2021-03 | 1 | capital falling | uninsured deposits leaving |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 | uninsured deposits leaving | capital falling |
| 2021-12 | 0 |  | uninsured deposits leaving |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 0 |  | capital falling |
| 2022-12 | 0 |  |  |
| 2023-03 | 1 | capital falling |  |
| 2023-06 | 3 | charge-offs p90, uninsured deposits leaving |  |
| 2023-09 | 4 | deposits shrinking, assets shrinking | capital falling |
| 2023-12 | 1 |  | uninsured deposits leaving, deposits shrinking, assets shrinking |
| 2024-03 | 1 |  |  |
| 2024-06 | 3 | capital falling, uninsured deposits leaving |  |
| 2024-09 | 0 |  | charge-offs p90, capital falling, uninsured deposits leaving |
| 2024-12 | 1 | uninsured deposits leaving |  |
| 2025-03 | 1 | capital falling | uninsured deposits leaving |
| 2025-06 | 2 | charge-offs p90 |  |
| 2025-09 | 1 |  | capital falling |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 | capital falling | charge-offs p90 |
| 2026-06 | 2 | reserve under noncurrent |  |

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

- 2019-08-26 [James B. Hargrove Obituary Aug 26, 2019 - Parks Brothers Funeral Service](https://news.google.com/rss/articles/CBMiaEFVX3lxTE90MXloeU8ycFo5NWRyUXFfR0JhREVnZXJha3ZaeVpraG1KeWpEUjMwMEhtMm1MbTcwWWZBY0oxWEhUWV9HZE8zbHJrSG05ZFlNdjE0M3Bmci03WmIzSEphWFU1NGo5LWUz?oc=5) · Parks Brothers Funeral Service
- 2024-07-09 [Shining On: Ukrainians In Prague Celebrate Ancient Festival - Radio Free Europe/Radio Liberty](https://news.google.com/rss/articles/CBMifkFVX3lxTE53WjVpbmpPQ2xWdDJHcEZGaUxJX2dWZ0FFek9qSWJHNXd1U2FaNkd4T0FteHJHSEw5a3pNYWFzRWZSMGpLaURPVjNCZDNoaUp5VnJwRWJRa21kRkx3b0JNZWJMOVE4SVkzR0MyR1paVW9GOHpIbHZUSExYREk4QQ?oc=5) · Radio Free Europe/Radio Liberty
- 2016-03-16 [John Hejduk’s House of the Suicide Follies Find a Permanent Home in Prague - Metropolis Magazine](https://news.google.com/rss/articles/CBMipgFBVV95cUxNWGJtTjVpaDdHUVlNRVo2VTNUMEZVUFV3ZEQ0ZUVwckpQOGtSbXNRRHc0M19HUDNLU0I1aW40NjdMakZiZk5EZ0Nhc0tTeTlqeUpRaERkeGNnWVZZYnNLeWlWbC12RE04SjhDS3Y1LVpkU2ZXazQxSmZoN3ZWNW5ablU2d1BTVDJUY05YMVpCVWwxUGx0NW45cUpzc3Z1Q1BSTjAzRXF3?oc=5) · Metropolis Magazine
- 2013-08-23 [The Deal That Brought Dvorak to New York (Published 2013) - The New York Times](https://news.google.com/rss/articles/CBMilgFBVV95cUxOV3hESzAtQlpWai1RelBNS096TFJQS2E5RjJESXlIT0JWc1l0WGlQdU81YVBXUnNWdEFtSnRoeDF6YTdZUWJST0pKUkFaekI2R21GcHNCdVg5S2o2NnFSb1ZjUENFalhEN2ZkUHdlTExvMXdxeXlNNmhtVzZQamtCNEVZZFV0T1NOb1RTR0lZTzhhWHpFUEE?oc=5) · The New York Times
- 2017-08-26 [Makeovers rescue Prague from devastating flood damage - The Guardian](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQaDMzUVIxaUp6dE9tTVVyOS1lZzlZQUwybGZBRkU3eElaa3VOM1VjYTBQazd3M2J6dHF0b01seURXZjBTWE1ndk5sTEthLXZJdHlSS19RTHBNODBKMzNXTjJndHNUZEsyNmJYR0N2LXM2MVV5eTRWR1NBZXEyeDhjelBKdHBkbGcybFprLXdaV0syc3pocEgxTGlicnZUMnJpbkNVNHo2RVB0UQ?oc=5) · The Guardian
- 2024-04-14 [Rae Ellen Heinzig Bland Obituary Apr 14, 2024 - Parks Brothers Funeral Service](https://news.google.com/rss/articles/CBMickFVX3lxTE5rU0tKR2t4czc4QUVWSWpweVNhdk1qTWlaemc5RWVRcm1sS3pfODFzTUl6WHdseW54T0FDRFpMcmdhZTd6OXFQRzRYbnFXLV90ajFMSHllQ19WUWtxRnpvd20tclhtWFpPTW1QVTFldkNxZw?oc=5) · Parks Brothers Funeral Service
- 2024-09-08 [Alberta M. Gottberg Petrzelka obituary - Newspapers.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxPYXl0OTBzMGV2UUxmWFo3aHJXV0lHYktmSTBtOGZyRmhwMFB6ZjNMSlpZb19YSW9IOTBnVmIwa2k0bFF0eEVGeEpXNjFuZlIwa3NVU1BZYXhjYVZBaEJaSVlXN2tGMy0yckt6a0RsZXpRQzJiVGE0VklfTlVBV195dXlyb0NNVDRpQjM4WGxn?oc=5) · Newspapers.com
- 2015-07-05 [David Coulthard's Prague: My Kind of Town - The Telegraph](https://news.google.com/rss/articles/CBMixAFBVV95cUxOY1NBWE5jQjR0NFVaUGZzdlR4eTVidlctLWFLVVRNaE5oOHIxXzJjVHN4UGVFNGxLX1RSS3NPLUtsWW9tRldNUl9sZWJtcVQzdWNsVGdWaUNHa3RIOW1YZE8tTWlNOFo0LUJpYTN4Nmdjc2prcDRSRkFRZWNERUdKVHpHQUJkQ1FwQUxqYXYzdWprN2lhQ1c2ejkwaTJLYWNmN1FLOUsxWlBWRXRQQ1lHbXB5b050dVRSZENZaDliWkptRmdn?oc=5) · The Telegraph

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=12745 (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 "12745", 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