# BRUNSWICK STATE BANK
BRUNSWICK, NE · FDIC certificate 13692 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. 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 | $175.6M | |
| Deposits | $158.6M | |
| Loans and leases | $150.8M | |
| Total equity | $16.4M | |
| Loans / deposits | 93.51% (p85 of band) | 73.59% |
| Liquid assets / assets | 12.98% (p8 of band) | |
| Uninsured deposits / deposits | 11.93% (p20 of band) | 19.81% |
| Brokered deposits | 4.21% | |
| Wholesale funding | 4.21% (p70 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.39% (p16 of band) | 11.76% |
| Unrealized securities loss / equity | -0.56% (p82 of band) | -6.57% |
| AOCI / equity | -0.08% (p65 of band) | |
| ROA (annualized) | 1.25% (p55 of band) | 1.17% |
| Net interest margin | 3.95% (p51 of band) | 3.93% |
| Efficiency ratio | 60.95% (p37 of band) | |
| Noncurrent loans | 1.30% (p76 of band) | 0.36% |
| Net charge-offs (annualized) | -0.75% (p0 of band) | |
| Reserve coverage of noncurrent | 130.71% | |
| Real estate % of loans | 32% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $3.6M (2.41% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 2.4% | |
| Employees | 19 | |

## Flags firing in the latest filing

- none

## Warning timeline

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

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

- 2024-09-19 [New in Town: Brunswick State Bank - The Norfolk Daily News](https://news.google.com/rss/articles/CBMiugFBVV95cUxPOGNJTWN1V0hfZ0FSckJLMlVDdFBEeTlhRjBJOFhmVmw1b2dlM0tLdWNpRVB3eXBDcXgtWHJnaXlQU19oblNLdktzdmNYUnZCeDRsbldvbmpPYURaaWJBTWR0MGFCTWctek5LX250c0Z4Umx6Q25tWUU3R0JwWmljQ2N5NF9MMm1jaDRpRzNuN0hadlVPdUdoMGV3UE5QT2ZvdFkzQU80N1NGS2dLSGhNWWVWZXVtbTdtdVE?oc=5) · The Norfolk Daily News
- 2026-01-01 [Guy Ira Powell Obituary Jan 1, 2026 - Snider Funeral Homes](https://news.google.com/rss/articles/CBMiZEFVX3lxTE41Nm9waWh2M1BPN1hxV3kyamFIOERUQWh4Ui1ISmZMZWl4NVhSRnN5Mi0wNmF0Nno2UGp6bjlPN1RFcTBHTFRXUlVRM2Rod3hpZm96OTQtYmY0MDFlWV93SEhvV3g?oc=5) · Snider Funeral Homes
- 2017-08-17 [Heartland Data Breach Update: Thousands of Institutions Impacted - BankInfoSecurity](https://news.google.com/rss/articles/CBMiogFBVV95cUxNWVEyRWhPeVlpYXZaX19sN1VhVk5zZ1RJb2xUMlNFUmhWdnU2c1NxVXRJcVBxYTJXM0ptVjFreVRaQjJQNkdoQmFKWmQxU3ZNMU5ROGRsbVVreFdIeUhHMmEwSjdnaHVoaDd3ZmhWQmdDX1huU3UyeFlYakxsMW1DTEJEMmVsR3BLelpjd0xENjB1eFBqOXFFcFdtc1lqVE44YlE?oc=5) · BankInfoSecurity
- 2025-02-12 [National FFA Week 2025 - KBRX.com](https://news.google.com/rss/articles/CBMiZkFVX3lxTE5kUm1uckkxejN2dkFLYUpuM2xoM2RMRV82NW82RTE4cHRScEdFTWZaVXQxSzZhNUZRZ0k3SEhndVVjUVJQQjRaRTVXQUpPdWlNc1IteGlMRkpCdnY2ay1JOHpnUG9idw?oc=5) · KBRX.com
- 2025-08-11 [Janice Jean Novak Obituary (2025) - Verdigre, NE - Goglin Funeral Homes & Crematory - Yankton - legacy.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxOUlQ2VTlZSEtjb28xVmJhbUJFNmNrNUJXWWtYRVYwY2g5SGlCMXNwT2I1cXFyLS15THE0RFdXamhwWFhRWkU5QmxqRExqY05XQ1d4LXpWOGJQX3hIV3FIclRBdGVNS05WMjVOZXlYeGhvV3dMd0N1bEdtV3VuYXdJag?oc=5) · legacy.com
- 2024-06-02 [Boatload of Prizes - norfolkneradio.com](https://news.google.com/rss/articles/CBMiwAFBVV95cUxPWTIxYUJ6T2YtcnZIRGpnb3NFaFlYSTVSMTg5TGpIS1lfUm1YZVZhTFlSTGlFdkN0ckh1akpkVGV6M0IzNHJTbUM4V0pTZU54V2JfbFZlZEFhbGJhUkFqZ1lkSTgtdnZvQ0owT19fdzNibGlCeDlGdEtjdWc1ZE5pTV8zbGRyekstc0k5NHRLTjdKNHpTc01WUXh6N21KSl85UGlNRlVFMXRYdnBrcWFFUVhOVEVvbV9fVmZjcFZGSTg?oc=5) · norfolkneradio.com
- 2024-02-14 [NATIONAL FFA WEEK 2024 - KBRX.com](https://news.google.com/rss/articles/CBMiZkFVX3lxTE4tY3ljRVEzejZIT2g5SkdNbmJqSGdDeW92UlpFWHNwRDFYZHNKeUdHYXV4eWxOek5OZFZ5UUlXcjNuQzBBd3ZnLUotcTMtMkhnQ2UzY1hoZFJmdjhmaDNlVUxycmgzdw?oc=5) · KBRX.com
- 2019-02-17 [National FFA Week - KBRX.com](https://news.google.com/rss/articles/CBMiX0FVX3lxTE5jRHJlZS1IdDlrVmUxLUxxeVpGSW8xV1V5Rnk5YUdoZHM0SUR0MFpTU0RYTFBVaDFRVUJoR3BPRExJVkJBQXdSOTZiOXhYN2VRMG1waTVWR0tLZUlBcXBj?oc=5) · KBRX.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=13692 (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/60.json (key "13692", 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