# FIRST STATE BANK OF PORTER
PORTER, IN · FDIC certificate 12836 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $162.3M | |
| Deposits | $138.2M | |
| Loans and leases | $75.9M | |
| Total equity | $23.2M | |
| Loans / deposits | 54.20% (p24 of band) | 73.59% |
| Liquid assets / assets | 47.76% (p75 of band) | |
| Uninsured deposits / deposits | 19.01% (p47 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 16.80% (p85 of band) | 11.76% |
| Unrealized securities loss / equity | -27.22% (p16 of band) | -6.57% |
| AOCI / equity | 0.00% (p85 of band) | |
| ROA (annualized) | 0.85% (p32 of band) | 1.17% |
| Net interest margin | 3.50% (p29 of band) | 3.93% |
| Efficiency ratio | 74.69% (p70 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p58 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 99% | |
| Construction % of loans | 7.30% (p34 of band) | |
| Auto loans | $272,000 (0.36% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 1.6% | |
| Employees | 25 | |

## 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 | 1 |  |  |
| 2011-09 | 1 | capital falling | reserve under noncurrent |
| 2011-12 | 2 | reserve under noncurrent |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 1 |  | capital falling |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | uninsured deposits leaving |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 3 | noncurrent p90 |  |
| 2013-12 | 5 | deposits shrinking, assets shrinking |  |
| 2014-03 | 5 |  |  |
| 2014-06 | 4 |  | noncurrent p90 |
| 2014-09 | 4 | noncurrent p90 | uninsured deposits leaving |
| 2014-12 | 4 |  |  |
| 2015-03 | 4 |  |  |
| 2015-06 | 4 |  |  |
| 2015-09 | 3 |  | noncurrent p90 |
| 2015-12 | 1 |  | deposits shrinking, assets shrinking |
| 2016-03 | 1 | charge-offs p90 | reserve under noncurrent |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 0 |  | charge-offs p90 |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | capital falling |  |
| 2022-03 | 0 |  | capital falling |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 4 | deposits shrinking, assets shrinking |  |
| 2023-03 | 2 |  | AOCI drag >20% of equity, deposits shrinking |
| 2023-06 | 2 | deposits shrinking | assets shrinking |
| 2023-09 | 1 |  | deposits shrinking |
| 2023-12 | 2 | capital falling |  |
| 2024-03 | 1 |  | capital falling |
| 2024-06 | 1 |  |  |
| 2024-09 | 0 |  | securities losses >30% of equity |
| 2024-12 | 1 | securities losses >30% of equity |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 | deposits shrinking | securities losses >30% of equity |
| 2026-03 | 1 | securities losses >30% of equity | deposits shrinking |
| 2026-06 | 0 |  | securities losses >30% of equity |

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

- 2023-12-04 [Pines bank robber awaiting execution dies in federal prison - nwitimes.com](https://news.google.com/rss/articles/CBMi1gFBVV95cUxNNlR3TlVHT3NrS2UtV1liLWw3NldUS1FrWXRwWjJNQVNId2drVmJ5dE9YanFVUnlrY3BQeUF2cE5NNWpicjB6UV9BN1c4VlpVbHA2YWJtYW5tNV9IaklhS21VTHVodmVXUFpnMTk4Zl9uVVRGbHFpbkRTRHNrS2ZhdlJCaWY5OE9kWW9UUDRSVzBaUkNINUhDeWxwN3ZQREtadDRPeEU3YV9nT0p5T2VpcmUzZ1JkTjBrRE9wSGVNaFRreTliQjJUQU1OeW1WQXViS1VXVTZn?oc=5) · nwitimes.com
- 2022-12-06 [Police: Man in custody after armed robbery attempt at Pine Township bank - Chicago Tribune](https://news.google.com/rss/articles/CBMitAFBVV95cUxQWmZDbG15NUtvTTc1dHVKQmUwLUlHMlRNQkgtbW9kMjBzQmFoZTRjcWZMVFV4R2EwRk5CQWdseHNoSjRWMndhNll3ZHQ0OGhuNEdSSEVUemdXMXNnYkpzSV9EZnVvcXllRDRROEh0WUJQU0c0aUdfWWtnTUtmaEp0TzdMbFZLYlphN1hNMnlYdmpDZncybnMxLTVQdE9EMm5tS3pYR3ZfaFFvdFU4UUhCcjdpOS0?oc=5) · Chicago Tribune
- 2021-07-17 [LC Neel's Obituary, Visitation & Funeral Information - floralhaven.com](https://news.google.com/rss/articles/CBMiZkFVX3lxTE4tc1pXWTdYSjRlbHJpdzUzVTRJQ0tFYXl3TlBERnZVN0EwUjB3M00td1J6VUhLUzU0RVZERmNZeHdRckozM1ViekN2ZFBrRFdMOEpOM0tJUXJnR3g5d0w4M1BSUDgwUQ?oc=5) · floralhaven.com
- 2016-07-16 [Directing Dollars Seen As a Way To Protest Recent Shootings Thousands Make Deposits in Black-owned Banks - ibw21.org](https://news.google.com/rss/articles/CBMi1AFBVV95cUxPMzlyalNual8xbHNZcURKeG9GdlM5MllydW54ZHZYVGh3Y3A0cnJYX1BaNjl0UDlzaUxSWmYyZExaVFA4aGRSZ3h6bXdHN2NodjZBcXd2ZEJGbU4wMjFnbFpiZEFBUjYtZmRRUUJaM2tiNWVnU05OTjJjbGxwVkhObzk3RGJFSTllVWtESF9HYTNOb2tJUkRHVzQzb3dBdmljRWt3R0JRTHFLXzJLTGxlRkRQcEszSVg3eWREQUxjUTJUazlsRTE0TGtMZVdWTGdFdS1seQ?oc=5) · ibw21.org
- 2021-01-09 [Fitbit Pay Banks: Where it's supported, and what countries - Android Central](https://news.google.com/rss/articles/CBMiYEFVX3lxTFBrOFpVS2o4TlpCWmJtV3k5N1VZRVg4eUxkaDNhNXJQZ3JFd0Q5Z0VYWXpNOHpLcEJ5SHp3ckJfNWt5S2E5LUIwZ1l0R1NJaFdURGRtemdLbVhFVzdUT1ZRbQ?oc=5) · Android Central
- 2016-04-20 [Apple Pay Adds 59 New Financial Institutions to its Support Rolls - mactrast.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxOWEhCbWhwZUVnQzVMM1BxbGhXVU0yNmNkTDNJRU9fQjdpUHdQLVFTZXFPLVdQd0l6dTRxaWlRM0VIbzhCNzIzSXhoVU41aFQ1MlpyY3lDVU42ZGhZbTRLeW1VTzRGU0NhRXdTOVNOQUE2WnBVTjJMZXNzTW9QZTV4VElrZVBTc1IxUVRQa0NKTnZWSFJKRHcw0gGcAUFVX3lxTE1PWkptdGoyQ3VBOXd6YUEtdENFbGV3dDlxWFYtZldoMVBkdWRkRFVwMjEzYnY1S1pQa18tdlBvVTlzR1ZQaVZoT05wXy1CZ0N1SHoxRDFMTWhfNmxTb0NQNnNQamVBUXlidGRtaUg2aWF3WndESFR3SDQtVU9FZU1JdjNWR2tqSGRzdUFCOGNUS3dNTEZheUFsSlppcw?oc=5) · mactrast.com
- 2013-10-18 [It Didn’t Feel Like Work at the Chamber Network Night - GreatNews.Life](https://news.google.com/rss/articles/CBMijgFBVV95cUxQdm5rZVNKalo1UXpZeWhpRmt0U1dNZnJSdnBWXzVKVTdHNkFkNU05ZzRNNC1LNWhpd3g2MnJOMUJGdHNFY1ZTbmRvN0dKd2dNdXNobFp3eGhreGxUenVHc2pqODFUeWFTVlFqc3RhNGVwcF9rYXplcjRjcW4yVWp0YlZpN2UzOENxRkdKZGFn?oc=5) · GreatNews.Life
- 2023-04-26 [Pines bank robbery may claim second fatality - nwitimes.com](https://news.google.com/rss/articles/CBMixAFBVV95cUxPc19tcElQVXJxOUVQeXhFbE5Bekp6cXB4VlBfTDJNX3QzOVhsLU55dl80WUR0WDY5YS12Y2djNW9HWVVXajhOUnB0bGxtdE4yNE9kQjQ1ckloZW10TVhaWlpVVXN2X0lVT3F3S280LWlHSnRYUHAtc0NTYXVTbnQtc1k5MXNfZlVSRkhFQ1VyRG9PYnZUOVRfWWhfa2p6X2xiX3d1c1E3SXdhQXNGTFQwWDlRc2Y0Q0FlSDRvY1JVeUR1S0RJ?oc=5) · nwitimes.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=12836 (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/36.json (key "12836", 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