# DAYSPRING BANK
GOTHENBURG, NE · FDIC certificate 13622 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (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 | $1.23B | |
| Deposits | $927.6M | |
| Loans and leases | $865.6M | |
| Total equity | $126.1M | |
| Loans / deposits | 92.12% (p66 of band) | 87.10% |
| Liquid assets / assets | 22.00% (p53 of band) | |
| Uninsured deposits / deposits | 14.33% (p8 of band) | 30.76% |
| Brokered deposits | 29.23% | |
| Wholesale funding | 42.61% (p98 of band) | |
| FHLB advances / assets | 13.39% | |
| Tier 1 leverage | 10.71% (p54 of band) | 10.50% |
| Unrealized securities loss / equity | -11.38% (p37 of band) | -7.75% |
| AOCI / equity | -0.14% (p61 of band) | |
| ROA (annualized) | 1.06% (p35 of band) | 1.26% |
| Net interest margin | 2.90% (p12 of band) | 3.70% |
| Efficiency ratio | 60.34% (p54 of band) | |
| Noncurrent loans | 1.73% (p89 of band) | 0.51% |
| Net charge-offs (annualized) | -0.03% (p3 of band) | |
| Reserve coverage of noncurrent | 74.49% | |
| Real estate % of loans | 77% | |
| Construction % of loans | 25.90% (p25 of band) | |
| Auto loans | $3.0M (0.34% of loans; DQ 2.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 0.2% | |
| Employees | 121 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | wholesale funding >15%, noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 4 |  |  |
| 2011-09 | 4 |  |  |
| 2011-12 | 2 |  | noncurrent p90, charge-offs p90 |
| 2012-03 | 5 | noncurrent p90, deposits shrinking, uninsured deposits leaving |  |
| 2012-06 | 3 | charge-offs p90 | noncurrent p90, deposits shrinking, uninsured deposits leaving |
| 2012-09 | 4 | loans exceed deposits |  |
| 2012-12 | 4 |  |  |
| 2013-03 | 4 | capital falling | charge-offs p90 |
| 2013-06 | 3 |  | capital falling |
| 2013-09 | 3 |  |  |
| 2013-12 | 4 | capital falling |  |
| 2014-03 | 5 | noncurrent p90 |  |
| 2014-06 | 4 |  | capital falling |
| 2014-09 | 3 |  | noncurrent p90 |
| 2014-12 | 4 | noncurrent p90 |  |
| 2015-03 | 4 | capital falling | noncurrent p90 |
| 2015-06 | 4 |  |  |
| 2015-09 | 4 |  |  |
| 2015-12 | 3 |  | reserve under noncurrent |
| 2016-03 | 3 | reserve under noncurrent | capital falling |
| 2016-06 | 2 |  | reserve under noncurrent |
| 2016-09 | 3 | reserve under noncurrent |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 3 |  |  |
| 2017-06 | 2 |  | reserve under noncurrent |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 3 | reserve under noncurrent |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 4 | brokered >10% |  |
| 2019-03 | 4 | noncurrent p90 | brokered >10% |
| 2019-06 | 5 | brokered >10% |  |
| 2019-09 | 5 |  |  |
| 2019-12 | 4 |  | brokered >10% |
| 2020-03 | 5 | brokered >10% |  |
| 2020-06 | 4 |  | loans exceed deposits |
| 2020-09 | 4 |  |  |
| 2020-12 | 2 |  | reserve under noncurrent, noncurrent p90 |
| 2021-03 | 5 | capital falling, noncurrent p90, reserve under noncurrent |  |
| 2021-06 | 3 |  | noncurrent p90, reserve under noncurrent |
| 2021-09 | 2 |  | capital falling |
| 2021-12 | 2 |  |  |
| 2022-03 | 4 | noncurrent p90, reserve under noncurrent |  |
| 2022-06 | 4 |  |  |
| 2022-09 | 7 | uninsured deposits >50%, AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-12 | 6 | capital falling, charge-offs p90 | noncurrent p90, reserve under noncurrent, securities losses >30% of equity |
| 2023-03 | 5 | NIM <2.5%, noncurrent p90 | uninsured deposits >50%, AOCI drag >20% of equity, charge-offs p90 |
| 2023-06 | 5 |  |  |
| 2023-09 | 7 | securities losses >30% of equity, expense ratio p90, reserve under noncurrent | capital falling |
| 2023-12 | 6 | loans exceed deposits | securities losses >30% of equity, reserve under noncurrent |
| 2024-03 | 5 | uninsured deposits leaving | expense ratio p90, loans exceed deposits |
| 2024-06 | 4 |  | noncurrent p90 |
| 2024-09 | 5 | capital falling |  |
| 2024-12 | 5 |  |  |
| 2025-03 | 5 | noncurrent p90, reserve under noncurrent | uninsured deposits leaving, capital falling |
| 2025-06 | 4 | charge-offs p90 | noncurrent p90, reserve under noncurrent |
| 2025-09 | 4 |  |  |
| 2025-12 | 5 | reserve under noncurrent |  |
| 2026-03 | 3 |  | NIM <2.5%, charge-offs p90 |
| 2026-06 | 3 |  |  |

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

- 2026-08-20 [Dayspring Bank hosting former Husker Rebekah Allick - The North Platte Telegraph](https://news.google.com/rss/articles/CBMijwFBVV95cUxNbWRnTU9zcmMtN213Rk9KNGxRWktDM2VMcFF4VkgwVnFtb05GWVRKbUQtLWpDSHJUMUl0bVNOZlRDYVY1dHJpeUZ6ZkhGZGgzTFpqZUEtZDJwdzlmN0ctbG12dGxmOUlaM3NkSzZMSXBneHZwY2FBWDlXZGxiTk1xTklsR1JpeFhYRy02QWNfRQ?oc=5) · The North Platte Telegraph
- 2026-08-22 [Former Nebraska volleyball standout holds meet-and-greet in North Platte - knopnews2.com](https://news.google.com/rss/articles/CBMiswFBVV95cUxNNUR4UUk3b09wN2R3V3p4djNDOUJiU3lsc1hla1RNbGJMQnpTaFlVNDg3b21QZm9uR1dLUmxlSVFBMzdEcTNaTl9vV2xibFljQ3o4YUtEZlBzMFN6cUlFekNDSl9rRXhLRDZzYWpUS0F6QzV6Ymc2eFRIUWNxeXFKbUJNUGVDaGt0bW12OVl0SEJueHkxZWZoS1puVk9WMnVNVGpKUjlsVjNQWmMyMm9wczBjMA?oc=5) · knopnews2.com
- 2023-11-17 [Omaha couple opens bank in effort to revitalize 30th and Ames corridor - WOWT](https://news.google.com/rss/articles/CBMimAFBVV95cUxPVV9pVEVfMndRSklCU0FCWDl2Ml9hcGdFTTlraTZPNmNNeXpwd1RhdU5qUTVVblR5bGxDZlJ0Z2s5TXJ5SFJZUm11N2tqMFoxbEVWbmxUUmFWaWtWVnpsOVhJWEc4RmNFWjBRSGkxR3lKVzZMOGU4V0VURWVCRE13Z0c4ZlFWamZhdzRkV283a0JMTmF1TGFRatIBrAFBVV95cUxNdkU5MmxIMGNhZ25wa2hCXzA1WW4zajNZQXVvd3kyT1RXTEU1X285eGp1TjZFb1o2UkV5cUhwNDZnMGFvdk1uOVA0X05kekJZOUUta1YwdlRabGVrZ01peHozcG1SVUhFaXdwai1zSVRaWi1DQ05HY2h6eG52QjBVRXM5TnVYcXpzVERNWlNHSktYeVhhd3RYcGtQRjBfRVMxYTg5Zi14RTZkWFR1?oc=5) · WOWT
- 2023-10-06 [Three Gothenburg Families and Two Banks Recognized at Impact Center Ceremony - Rural Radio Network](https://news.google.com/rss/articles/CBMisAFBVV95cUxPS1EyVFdjcDJNTjE0cm5NVlVLckw2UzZCakZQMlBvbkNjSTg0MkdPMElyVWdzakYzNGt1SnVrNy1meWFnTXpzUkNBbllrcGVkSTVKc3F5Vk1Id3pvT2thSXpsOHNuS1dTaHNWdVBiWkNxLTFBa01mLTZHNzlOS05RTEdMZWU0WmxrUDZPMGw3VFFhZjZvMDAyakJ2RTc2cXh6ZU9ET0hGT2VENzk0SE1XMg?oc=5) · Rural Radio Network
- 2025-04-08 [America's Best Regional Banks and Credit Unions 2025 - Nebraska - Newsweek Rankings](https://news.google.com/rss/articles/CBMijwFBVV95cUxPTVpuWENmWXF2SHZNQWlzZXJDek5GOGRmblVUV3RPZXctRTJpUWNZLUJSLVBmVkRFZkhnMkh1WTN1V2FvVUVZVUlWSlFvWUJiVzJVRVRqeXk2RE5Ua0NraW9WQ3FnR051bGZEZzhiSUFrNWlHNXF2UmNjX0Vod211UE9fR3JZckxuZERiOHQ4cw?oc=5) · Newsweek Rankings
- 2026-01-07 [Cultivating Health: Ag Health and Safety Event Set for February 3 in Gothenburg - North Platte Post](https://news.google.com/rss/articles/CBMiekFVX3lxTE1haTFPak56V19GUzBGT0NBT0x4cFVWdTJPdGxRWTlKSTMwMUdjd0ZLakhMYlF3bHlXOERfMzFORzYwTms3Q0dsdUpLd3V4NmdjRktidlBQUW53RWpYLWlPLVhfc2JoSUNYdHlwN3REeTVsb2MycU9OOUdR?oc=5) · North Platte Post
- 2026-08-25 [Former Husker volleyball player Allick appears in North Platte - northplattebulletin.com](https://news.google.com/rss/articles/CBMimwFBVV95cUxOS2t4dl85Q3hKa201Z3VRUHc0TlFaTUl6Y3Q1M01wOTdWUGRxUzZfRlR2aGFOMndqOC05MEVGQ1RCak9YMTY1dU9mWTdNV0xueFhreW9xTmI3RkJjQ2VsdmE4WkNZMndtZVZuU0xXenRFMTBDWGRBTkRPUkxLX19HVERyRmdrV1VnYUVHblg5dENVeThibngxUUgtYw?oc=5) · northplattebulletin.com
- 2023-08-23 [Dirt flies after 39 years for Fat Dogs at vacant corner of North Platte's I-80 Exit 179 - The North Platte Telegraph](https://news.google.com/rss/articles/CBMie0FVX3lxTE1RV1BfYmxyNGdzelNaaGgtS3RORnRBdnQzaFBCZ3RjZkJMeUJkM2o1VFF3YXVZbWM3dmRCbERYSDUyYkFMVGZsNV8yOWJyUVUxSUpwWE5rSjVqMG9EVFFBZXdWYjNxVS1DaWdGTWpNd2o0SWxlc3BnWnNGbw?oc=5) · The North Platte Telegraph

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=13622 (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/54.json (key "13622", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide