# CORYDON STATE BANK
CORYDON, IA · FDIC certificate 13616 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 1 (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 | $138.0M | |
| Deposits | $103.6M | |
| Loans and leases | $41.6M | |
| Total equity | $33.8M | |
| Loans / deposits | 37.86% (p10 of band) | 73.59% |
| Liquid assets / assets | 70.02% (p94 of band) | |
| Uninsured deposits / deposits | 28.98% (p79 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 25.75% (p93 of band) | 11.76% |
| Unrealized securities loss / equity | -3.17% (p64 of band) | -6.57% |
| AOCI / equity | -0.02% (p69 of band) | |
| ROA (annualized) | 2.13% (p88 of band) | 1.17% |
| Net interest margin | 3.08% (p15 of band) | 3.93% |
| Efficiency ratio | 28.90% (p1 of band) | |
| Noncurrent loans | 5.45% (p97 of band) | 0.36% |
| Net charge-offs (annualized) | 0.01% (p63 of band) | |
| Reserve coverage of noncurrent | 105.60% | |
| Real estate % of loans | 64% | |
| Construction % of loans | 0.38% (p19 of band) | |
| Auto loans | $871,000 (2.09% of loans; DQ 2.76%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -0.2% | |
| Employees | 9 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 2 | brokered >10%, reserve under noncurrent |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 1 |  | brokered >10% |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 2 | charge-offs p90 |  |
| 2013-09 | 3 | brokered >10% |  |
| 2013-12 | 2 |  | charge-offs p90 |
| 2014-03 | 2 | charge-offs p90 | brokered >10% |
| 2014-06 | 2 | brokered >10% | charge-offs p90 |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 2 | charge-offs p90 | brokered >10% |
| 2015-06 | 3 | brokered >10% |  |
| 2015-09 | 4 | loans exceed deposits |  |
| 2015-12 | 3 |  | loans exceed deposits |
| 2016-03 | 3 | loans exceed deposits | brokered >10% |
| 2016-06 | 5 | brokered >10%, wholesale funding >15% |  |
| 2016-09 | 5 | uninsured deposits leaving | brokered >10% |
| 2016-12 | 3 |  | wholesale funding >15%, uninsured deposits leaving |
| 2017-03 | 3 |  |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 3 |  |  |
| 2017-12 | 2 |  | loans exceed deposits |
| 2018-03 | 3 | capital falling, noncurrent p90 | charge-offs p90 |
| 2018-06 | 5 | loans exceed deposits, brokered >10%, wholesale funding >15% | capital falling |
| 2018-09 | 5 | charge-offs p90 | wholesale funding >15% |
| 2018-12 | 4 |  | loans exceed deposits |
| 2019-03 | 7 | losing money, deposits shrinking, assets shrinking |  |
| 2019-06 | 8 | loans exceed deposits |  |
| 2019-09 | 8 | uninsured deposits leaving | loans exceed deposits |
| 2019-12 | 8 |  |  |
| 2020-03 | 6 |  | losing money, assets shrinking |
| 2020-06 | 4 |  | deposits shrinking, uninsured deposits leaving |
| 2020-09 | 4 |  |  |
| 2020-12 | 4 | capital falling | brokered >10% |
| 2021-03 | 4 |  |  |
| 2021-06 | 3 |  | capital falling |
| 2021-09 | 3 |  |  |
| 2021-12 | 3 |  |  |
| 2022-03 | 2 |  | charge-offs p90 |
| 2022-06 | 2 |  |  |
| 2022-09 | 3 | AOCI drag >20% of equity |  |
| 2022-12 | 1 |  | reserve under noncurrent, AOCI drag >20% of equity |
| 2023-03 | 2 | deposits shrinking |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 0 |  | noncurrent p90, deposits shrinking |
| 2024-03 | 0 |  |  |
| 2024-06 | 1 | noncurrent p90 |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 2 | capital falling |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 1 |  | capital falling |
| 2026-06 | 1 |  |  |

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

- 2018-07-03 [Corydon State Bank has new president - Corydon Times](https://news.google.com/rss/articles/CBMivAFBVV95cUxPQ1VreWNybVpFaXNzSG8yWElWay1TVGJNMk9vb0xCV3BVS24yUjdieV9SMnNVYXNOTFJBMG9LWkJIdDBHc0dqRnBELWYwVnFwemhhR01tcFhfT0tWc3VZa0xYdHR3NHhfRXFzQ1RoeG4xMHVJUTU4Q3BZNHJGdHg3WTJtR283Uk5RZERSVmd0NmYwRXpodUVtR2o1a3lpRmRJajNuSm5Zb21ENGMwZU13WnQ0eEZKYjd2eFZ5TQ?oc=5) · Corydon Times
- 2023-06-22 [Cheryl Denise Guthrie's Obituary, Visitation & Funeral Information - Thomas Funeral Homes](https://news.google.com/rss/articles/CBMibkFVX3lxTE1iR1NrVmxfR1RONld1MkI2ZFJkUlRJUTdzOExuSm8xUUlWWUpFakR4dFFHekJtWHJkMC10a2ppM2RNM2xKNHJENW1ONXJzeXhzOWVlVG12T0NXZS1TaG1QQXlLSmxmTk1Zb0xfYmhR?oc=5) · Thomas Funeral Homes
- 2019-02-21 [Carl Thomas Coates Obituary - The Des Moines Register](https://news.google.com/rss/articles/CBMiZEFVX3lxTE1VRnlydlhheWw0YkNpVE9EWjB4dXhzWTdNLVVMSVQ5d1dRQnJqb3BuT0VsNTRYb2lUSGFPQTF3YWhQbkF5c05scVhOQV9fSi0yNXFyRHZHWTlWZ3ZrU08yeHRBX0o?oc=5) · The Des Moines Register
- 2025-12-25 [Billy Joe Carpenter's Obituary, Visitation & Funeral Information - Thomas Funeral Homes](https://news.google.com/rss/articles/CBMib0FVX3lxTFBiN2o2allNTFE2d3BMTEFSRnNYSzFpSFNWbXJWMnpvOXlkYkNEUWhZbTAzY241Y1RUNm43Rm1jbF92RnZrT3FHeFhQR0NYa3ZlSlQ0dTl0cFBFcGFUVUpXRXU2LXdfbjlLX2RiMU44UQ?oc=5) · Thomas Funeral Homes
- 2019-08-17 [Colleen Polsdofer's Obituary, Visitation & Funeral Information - Thomas Funeral Homes](https://news.google.com/rss/articles/CBMickFVX3lxTE5JWnJUd01HT2VUQ1J3SkhhbG45akw3cmd0djJzaUhOdEcySFlrWTNjakpOdlN5M1BYTTVXYUMxNFc5NndtTVJuSUt0RmQ0RVdYQkZkNmZhUkdfMXd4X21PRGJKSWNqT09UdVNJRmktOVR5UQ?oc=5) · Thomas Funeral Homes
- 2024-05-01 [Marla Garity Obituary (2024) - Osceola, IA - Kale Funeral Home - Osceola - Legacy obituary](https://news.google.com/rss/articles/CBMigAFBVV95cUxNSHJLNWpPT0wxR1h0WnN1akpaYng0NTRoYXhJUTdXdy1jN1RFV0I4MGU1QjdtbDNDdno2R1RXdnE2ZUZpem9OSnluTlhBR1ZsRnZ0ZWgtekh1cWdsV2h6UkxIM2VaaXNpWDBSeTV4dTE3TXlmUnNpTG0zdktRWVI5bg?oc=5) · Legacy obituary
- 2016-08-13 [Phyllis Moser's Obituary, Visitation & Funeral Information - Thomas Funeral Homes](https://news.google.com/rss/articles/CBMibEFVX3lxTE5PTENralMyNDdIdHY4cGNIaTVDSEpqcTMzTnpoMmNpd2tMWklxOEdYQ0JJcUlZRWk3TUUyUXdOcVZtNXhNSVY4VUUyT0ZiaGxkb2Jsei1LNDdreDg4anlhakw5Zzdyc0VpWnI5dw?oc=5) · Thomas Funeral Homes
- 2013-06-26 [Ida Ellarea Davison Obituary's Obituary, Visitation & Funeral Information - Thomas Funeral Homes](https://news.google.com/rss/articles/CBMiaEFVX3lxTE1SY1MxOTJHbUh2ckZZeTdfd0NGaU91ZzVyZXRBYTZZUjdidEU1QmlGWi1QdEFmUm8zZWdpUF8zcW5IZlVYeGJ5Z0JTUVVyVjcwVTYxV0x2WUsxYnlEZUlnZGNVVVlmX204?oc=5) · Thomas Funeral Homes

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=13616 (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/48.json (key "13616", 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