# VICTOR STATE BANK
VICTOR, IA · FDIC certificate 12859 · asset band <$300M · latest filing 2020-06 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. 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 | $42.6M | |
| Deposits | $29.6M | |
| Loans and leases | $14.0M | |
| Total equity | $7.3M | |
| Loans / deposits | 46.45% (p13 of band) | 73.75% |
| Liquid assets / assets | 61.72% (p91 of band) | |
| Uninsured deposits / deposits | 21.35% (p67 of band) | 17.11% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 12.45% (p87 of band) | |
| FHLB advances / assets | 3.05% | |
| Tier 1 leverage | 12.64% (p68 of band) | 10.95% |
| Unrealized securities loss / equity | 8.99% (p90 of band) | 2.60% |
| AOCI / equity | 3.42% (p78 of band) | |
| ROA (annualized) | 0.83% (p41 of band) | 0.97% |
| Net interest margin | 3.04% (p21 of band) | 3.63% |
| Efficiency ratio | 32.36% (p1 of band) | |
| Noncurrent loans | 2.90% (p91 of band) | 0.52% |
| Net charge-offs (annualized) | 0.01% (p56 of band) | |
| Reserve coverage of noncurrent | 61.33% | |
| Real estate % of loans | 41% | |
| Construction % of loans | 0.00% (p8 of band) | |
| Auto loans | $496,000 (3.55% of loans; DQ 7.26%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 5.8% | |
| Employees | 3 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **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 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 1 | capital falling |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 0 |  | capital falling |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | wholesale funding >15% |  |
| 2014-06 | 1 | capital falling | wholesale funding >15% |
| 2014-09 | 0 |  | capital falling |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | assets shrinking |  |
| 2015-06 | 0 |  | assets shrinking |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | capital falling |  |
| 2016-09 | 0 |  | capital falling |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | deposits shrinking |  |
| 2018-03 | 1 | wholesale funding >15% | deposits shrinking |
| 2018-06 | 2 | NIM <2.5%, assets shrinking | wholesale funding >15% |
| 2018-09 | 3 | deposits shrinking |  |
| 2018-12 | 6 | noncurrent p90, reserve under noncurrent, uninsured deposits leaving |  |
| 2019-03 | 5 |  | NIM <2.5% |
| 2019-06 | 4 |  | noncurrent p90 |
| 2019-09 | 1 |  | assets shrinking, deposits shrinking, uninsured deposits leaving |
| 2019-12 | 2 | noncurrent p90 |  |
| 2020-03 | 4 | deposits shrinking, assets shrinking |  |
| 2020-06 | 2 |  | deposits shrinking, assets shrinking |

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

- 2018-04-24 [Dentel reflects on career at Victor State Bank - press-citizen.com](https://news.google.com/rss/articles/CBMivAFBVV95cUxNUnRfMGtWUmR2RUpCQ0ZpZXlvZDc0bkRtdWxwSWRTNUd2UzZtM3Y2Z0JkZFZFV29pRm00VVhaY3Z3NVc0dXJMQkZXNFh5amJKejdXTDdXQXB2eEdJVFAwdHNzMnBmcDdHY0hpczJETUhpZ0QtdDZWdUwxa01RdDBGdGF0WlNnQnplTmU4LTR5WnE5dGpBcVMySUY1WHV2LTFJQU9zeWo5bUZvMk9CbGs5MjkxVjNDYmtQY28xRA?oc=5) · press-citizen.com
- 2018-01-12 [Chebelle to acquire Victor bank - press-citizen.com](https://news.google.com/rss/articles/CBMirwFBVV95cUxNenRHaWZqRC1LNVMwYVhoVk9VakQ5b2xZalA3V1hPbWVVSnJ5ZlA2amZPQ2wzeU1zUTNrT0JtUWZEWU1WaVYzdTF6azk2RXk1RzU4cENtVnVFOHFNUS1GemZBRHFyOFhwdmhUaHdSRXpIQnExT0U2N2NTRlZzbm1rLW1nYXhONUpGamQtSEdRNng5MjBUbHFVWWl6RUFQamxrVkpwRFp6Vm9BMnZkMk5N?oc=5) · press-citizen.com
- 2021-09-02 [Trudy Joann Dietze Obituary Sep 2, 2021 - Powell Funeral Homes](https://news.google.com/rss/articles/CBMickFVX3lxTFBSak56eUprMXpQaTNseFdaOEFJUGp1bGFjb3dyUWFNM0o0Qi1OZnZFM21sM3h1Xzk1ZWNBeE8tSlBZakE0Mm9PWFFiM2x4OGVzMUpPN0x0b21pblc3SFhXdTY5YU9BcEk5Rm13TVVXdjlOQQ?oc=5) · Powell Funeral Homes
- 2019-03-16 [Thomas "Tom" L. Brown Obituary Mar 16, 2019 - Murdoch Funeral Homes & Cremation Service](https://news.google.com/rss/articles/CBMib0FVX3lxTE9WaV9fMkVER3pWSmQ2Z1pxUUFib0Y0WDUzaW5mcTI2azB1MVdzR01yZWJ5c3hLNERQY21laTdVelpkc3pQQTE3NjJlN0hxWnM4NGtweDJSVG13ekRfWWh4VE1xaU02NXNYUkJTdDZuRQ?oc=5) · Murdoch Funeral Homes &amp; Cremation Service
- 2020-09-07 [Gary Alan Mcclenathan Obituary Sep 7, 2020 - Powell Funeral Homes](https://news.google.com/rss/articles/CBMidkFVX3lxTFBNYWZ2T1l0NDZ4VjdCNzU2LXl3MHJEV2dtS1VDQjVJa0V2eTN5X0plVTRjZTRDVEwyMDBWcXRVV2dfbFFLMVJ3R1VyVHBOZHFiSWNWQVlZTFNPUkNfUkhTTlRxeFUybmtNRmg4Xzh5LVRfck5MZ3c?oc=5) · Powell Funeral Homes
- 2018-06-26 [Victor sesquicentennial to be celebrated this weekend - press-citizen.com](https://news.google.com/rss/articles/CBMivwFBVV95cUxOUFVGYmRuQ3pJRHJfSG9iZ2J4WTBLanVzdkJRRlJTZHVuWTQ0UDdkR3JOVzhXNnItdFczR3ZVYlN0UlhiOEZuU09HTS1jZGVKaU8wb05KZm4zdnI3WGE5VnVTQnhqc0JTOXFCZ2Y4Z2ljSjBudUVhRDZrTHJNODdiYmVLamJ0YktCMzNYU2UzbmpUZ1ZxQlcwZlZIdkRqM3hTVTBjaUYzSnU5MlF1VFdEdHR2THJia2Nub19FM0l0Yw?oc=5) · press-citizen.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=12859 (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/59.json (key "12859", 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