# SAVINGS BANK
PRIMGHAR, IA · FDIC certificate 13735 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. 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 | $304.8M | |
| Deposits | $242.1M | |
| Loans and leases | $230.3M | |
| Total equity | $38.5M | |
| Loans / deposits | 93.78% (p79 of band) | 82.04% |
| Liquid assets / assets | 22.86% (p43 of band) | |
| Uninsured deposits / deposits | 30.85% (p69 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 7.61% (p69 of band) | |
| FHLB advances / assets | 6.23% | |
| Tier 1 leverage | 13.60% (p83 of band) | 10.81% |
| Unrealized securities loss / equity | -6.08% (p57 of band) | -8.10% |
| AOCI / equity | -0.63% (p36 of band) | |
| ROA (annualized) | 1.44% (p60 of band) | 1.28% |
| Net interest margin | 3.57% (p31 of band) | 3.91% |
| Efficiency ratio | 49.29% (p17 of band) | |
| Noncurrent loans | 0.32% (p44 of band) | 0.43% |
| Net charge-offs (annualized) | 0.50% (p97 of band) | |
| Reserve coverage of noncurrent | 428.61% | |
| Real estate % of loans | 43% | |
| Construction % of loans | 0.00% (p2 of band) | |
| Auto loans | $2.1M (0.93% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 0.5% | |
| Employees | 20 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)

## 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 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 2 | capital falling, charge-offs p90 |  |
| 2014-06 | 0 |  | capital falling, charge-offs p90 |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | charge-offs p90 |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 | reserve under noncurrent | charge-offs p90 |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | charge-offs p90 |  |
| 2017-06 | 1 |  | reserve under noncurrent |
| 2017-09 | 0 |  | charge-offs p90 |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | loans exceed deposits |  |
| 2018-12 | 0 |  | loans exceed deposits |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 0 |  | capital falling |
| 2022-09 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-12 | 1 |  | securities losses >30% of equity |
| 2023-03 | 1 | uninsured deposits leaving | AOCI drag >20% of equity |
| 2023-06 | 0 |  | uninsured deposits leaving |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2024-12 | 3 | capital falling |  |
| 2025-03 | 0 |  | charge-offs p90, reserve under noncurrent, capital falling |
| 2025-06 | 0 |  |  |
| 2025-09 | 1 | charge-offs p90 |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

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

- 2026-09-06 [Equity Bank to merge with Lincoln Savings Bank in Iowa - KCCI](https://news.google.com/rss/articles/CBMilwFBVV95cUxPVldjZVdyNEVpLWpEaVk4N1NDLUZJcEFudHBRRkl2TTlaLW95YTRldUtxRlBIYjRsQldteVg0a3B4NllpaGhqakhtaHFnSFhWcl9KRlg2QmdIUkRwMDN0aUdvUmprQnVBY3J0N0p3WDNsdlZWeVlHRXFJRm11Y2c5MXhrMFBVRjRfeXJvTXFrYk93dVp4cUhr?oc=5) · KCCI
- 2026-09-03 [Kansas’ Equity Bank to expand in Iowa with $123.8M deal - Banking Dive](https://news.google.com/rss/articles/CBMiogFBVV95cUxPWWM2RnRSMHl1Y3lyWlZBNUZYZ3VhclJjYXEzdlZzYVZNSUJNY1VwUWc5d2I4a29WbF92Ukw3aUZVYURWRFhkOEFEek1uWHJYQkNiNXY5cUwyc1RjSmRyUFg2TEVIa0ZLZHBrVmNGazJaeXowenlKMC15Z0V2VVZhZHd5N2ZjbGU1dV9fVzJPNkhtWlRjTEtyaWpQWUVtek12Vnc?oc=5) · Banking Dive
- 2026-09-03 [Lincoln Savings Bank to merge with Kansas-based Equity Bank - kcrg.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxPQU5BVHk3b0RydWZITGFhV1RGcFhDLWtoVHZDMElGWmJzMkxBUXE1R3BVLXY2b0hMTXdaYWZZWWNIQWlsVW5oZUdJRXR5Sl9EQmQ1bDBaWVlmUkZkY3Q3aUZaWllKY09SMTRzQUF2eldETGJ0cEhTT3Q5aGZpbDJUUG50UDF3dFZKUm9VV2tDTFhoVFE?oc=5) · kcrg.com
- 2026-09-03 [Equity Bank announces $124M merger with Iowa-based Lincoln Savings Bank - The Business Journals](https://news.google.com/rss/articles/CBMinwFBVV95cUxOXzNLa2VXNTlrSkhVQ1VzcmRSU0otV20wZVFiRmZhVUVHaWh1VnVER0lQUFdEcXpKbk0wWmlDX2wtWENaSUZ4WFV5WjA0cGkyd3JGLWphVGprVjZmNkFPX3FOMTFzbVdYUXY1dnpwVXNYb3BxSXo1VmFVYzRNcjdBVnFyMmFId0pQV281WDVUcEdTaU9NSFVVN3ZPSFFXS0U?oc=5) · The Business Journals
- 2026-09-03 [Iowa's 124-year-old Lincoln Savings Bank merging with Equity Bank - kwwl.com](https://news.google.com/rss/articles/CBMi1wFBVV95cUxPRVR0QURaeEhIVDc4eHNMUTRKeVFkTUQtZHRLR0pEa3VIcGhtY1dFcnZVdFlMdUxOQ3pzNnhhM2pYOXFVekhxQ2FueUNwX1VLUDJPNWVyUlZ4OXAyX1Y2Mm85ZzNHVENWS2d2RHR1QVBncXJ6Z1ZxdFMySUVKMDQ4Qk1zUkktMy1YNk54bTMtai1mTTl2UWJ5RE9mNjU5eHEzRmFRaE1KU21EQ2doOVdfakxQbVdsbWRsdmFSNnJsTHFJdm5rRzRkM0p5QkN6OHlHM2ZRajBCNA?oc=5) · kwwl.com
- 2026-09-03 [Equity Bank expands Iowa footprint with acquisition of Lincoln Savings Bank - Business Record](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOVkZWM0dPOFFybHRqejFFc2JTeUM4dWd3MkJsM293WnJNREg2b2UwTTRqa08wQ0stTEdIZGpYNDdNWUVmWGViQlFiSEZXR0JrMEdxaWpvbjFfWXJPUFRSX2VyLWpBeU5lREtzVktxU0dZVk9SaGRIYkphN3BhdHhZcmNNUTBPWXhrWVBRM3BySDdIRjhEQmdaRGpiMHlQdElNcVU3TlI3MFF5cDQ?oc=5) · Business Record
- 2026-09-03 [Equity Bancshares, Inc. and Lincoln Bancorp Announce Plans to Merge - Business Wire](https://news.google.com/rss/articles/CBMiwAFBVV95cUxOTWw4c3RsSTc4WWxSSThpMEZ1X2hGR3ByUHNIUlhtM01UNnF1OTBkblFHemd0UVRJNi1hZWZZc1VMcGpUWTJ3bDZPb0M2WS00cDctMWVPMGhsM0t3ZXRiRk5FcE1NZGt3RS1XdFFpbTZIY3Q1Qnlnc1V0dWtmVjlLLVRxMXJ0cnBfcVBybWZuVjlIb2hDOG5ObWhTS0lYUVNwckRab1FXVGlEaWdfcF9GWk5JZUY5UFJLdnNGOXNheFU?oc=5) · Business Wire
- 2026-03-19 [Hy-Vee's Midwest Heritage Bank acquires Carroll-based banking firm - The Des Moines Register](https://news.google.com/rss/articles/CBMiuAFBVV95cUxPLWs2N0RtaXlxZmxTWnFUUGNmR01WUHF5X3A2azNLOU8wMWtfWTZuMUFSQktfdXZibHRzX05GNUV3UnJUaF96THhLX3FxMDZOa0x0TjVsTnBrY3FyMUQzdDRDNm9nTTRZcmc1Nl9XV1c0em5TajRnQms3dUR3YmczNk9vOUtMQnVzdmNkd0tuWEhQUngxWkV3NTdGaHlRMlFxSTdoUEFkRjZvUm0wd1Q1UW1ZSWhFb0ND?oc=5) · The Des Moines Register

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=13735 (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/39.json (key "13735", 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