# BLENCOE STATE BANK
ONAWA, IA · FDIC certificate 13446 · asset band <$300M · latest filing 2014-12 · stopped filing (departed)

**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 | $44.4M | |
| Deposits | $36.0M | |
| Loans and leases | $23.1M | |
| Total equity | $4.0M | |
| Loans / deposits | 63.25% (p36 of band) | 71.50% |
| Liquid assets / assets | 44.42% (p70 of band) | |
| Uninsured deposits / deposits | 26.61% (p88 of band) | 13.21% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 9.34% (p81 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.26% (p28 of band) | 10.45% |
| Unrealized securities loss / equity | 0.73% (p54 of band) | 0.49% |
| AOCI / equity | 1.63% (p52 of band) | |
| ROA (annualized) | 0.61% (p36 of band) | 0.81% |
| Net interest margin | 3.16% (p23 of band) | 3.66% |
| Efficiency ratio | 68.45% (p36 of band) | |
| Noncurrent loans | 0.55% (p42 of band) | 0.76% |
| Net charge-offs (annualized) | 0.11% (p68 of band) | |
| Reserve coverage of noncurrent | 227.56% | |
| Real estate % of loans | 39% | |
| Construction % of loans | 1.25% (p18 of band) | |
| Auto loans | $835,000 (3.62% of loans; DQ 10.42%, NCO 0.02%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 7.1% | |
| Employees | 9 | |

## 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 | 0 |  | reserve under noncurrent |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 1 | reserve under noncurrent |  |
| 2012-12 | 0 |  | reserve under noncurrent |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 | reserve under noncurrent | capital falling |
| 2013-12 | 0 |  | reserve under noncurrent |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 0 |  | capital falling |
| 2014-12 | 0 |  |  |

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

- 2026-07-22 [Ardith Joanne Gray Obituary (2026) - Waukee, IA - Iles Brandt Chapel - legacy.com](https://news.google.com/rss/articles/CBMif0FVX3lxTE9GSzQ2SWpOS0d1UkIzLTYydl9GTjl2T0xHdmFuN2ZPa3hUWW5uNk12WU9DUnczR2FTbWNWdC02UWE1VDhxUUhMVUlyekh3bVN4cWFoU2hZNGpndWg3bTdiZ1Qydi1TUzgxR3E2cVpvSktrTDR4eVVTcUcwb3F5eDQ?oc=5) · legacy.com
- 2026-03-04 [Obituary for Mary Elizabeth (Walker) Stanislav - Goslar Funeral Home and Monuments, LLC](https://news.google.com/rss/articles/CBMifEFVX3lxTFBFcGFYMllscUVSV0ZzcnBOWWhxM016WWhVbUlJOTVPdldNdGRyNWkxVXl3MVJYVmMyQ29yMXVDTnBVbU84QjhOcWYzX3dSWTBDRE1iaWZMT053UHNQdFh1ZEF6azdkTGVjRnhoTTdYeF9HYmRiVzRVb1NDUUY?oc=5) · Goslar Funeral Home and Monuments, LLC
- 2013-04-13 [Gary R. Bellis - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxPdUFkUmx5OVNhRmlBd0Q5RE9BblBTVVlqUU14VDBWOHVuUHBadTNueTJKYms1UDNEcXBVcktjQlM5dU5LQ01leklSWkNucXQzck5TLUdaMFhCcFR1QmpLVjJDcUo0cjVfbE50TGZRYmEtSUF0cjBrZEh3WkFPRDFNN0pUcF9wUG1SR3lsbFluQk8?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=13446 (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/6.json (key "13446", 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