# STATE BANK OF SCHALLER SCHALLER, IA · FDIC certificate 13931 · asset band <$300M · latest filing 2026-06 · live **Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (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 | $40.6M | | | Deposits | $34.9M | | | Loans and leases | $10.1M | | | Total equity | $5.5M | | | Loans / deposits | 28.55% (p7 of band) | 73.59% | | Liquid assets / assets | 73.15% (p95 of band) | | | Uninsured deposits / deposits | 0.47% (p1 of band) | 19.81% | | Brokered deposits | 7.23% | | | Wholesale funding | 7.23% (p79 of band) | | | FHLB advances / assets | 0.00% | | | Tier 1 leverage | 13.27% (p65 of band) | 11.76% | | Unrealized securities loss / equity | -5.32% (p55 of band) | -6.57% | | AOCI / equity | -0.59% (p41 of band) | | | ROA (annualized) | 0.81% (p30 of band) | 1.17% | | Net interest margin | 2.53% (p5 of band) | 3.93% | | Efficiency ratio | 62.35% (p41 of band) | | | Noncurrent loans | 3.69% (p95 of band) | 0.36% | | Net charge-offs (annualized) | 0.30% (p95 of band) | | | Reserve coverage of noncurrent | 28.23% | | | Real estate % of loans | 35% | | | Construction % of loans | 4.64% (p28 of band) | | | Auto loans | $523,000 (5.19% of loans; DQ 2.29%, NCO 0.12%) | | | Loans to nondepository financials | $0 (0% of equity) (p48 of band) | | | Deposits YoY | 2.7% | | | Employees | 4 | | ## Flags firing in the latest filing - **noncurrent p90** (`aq_noncurrent`) - **charge-offs p90** (`aq_nco`) - **reserve under noncurrent** (`aq_reserve`) - **uninsured deposits leaving** (`flight_uninsured`) ## 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 | 0 | | | | 2012-06 | 0 | | | | 2012-09 | 1 | capital falling | | | 2012-12 | 2 | uninsured deposits leaving | | | 2013-03 | 2 | NIM <2.5% | uninsured deposits leaving | | 2013-06 | 0 | | capital falling, NIM <2.5% | | 2013-09 | 0 | | | | 2013-12 | 0 | | | | 2014-03 | 1 | capital falling | | | 2014-06 | 0 | | capital falling | | 2014-09 | 0 | | | | 2014-12 | 0 | | | | 2015-03 | 1 | NIM <2.5% | | | 2015-06 | 2 | capital falling | | | 2015-09 | 1 | | capital falling | | 2015-12 | 1 | noncurrent p90 | NIM <2.5% | | 2016-03 | 2 | NIM <2.5% | | | 2016-06 | 1 | | noncurrent p90 | | 2016-09 | 1 | | | | 2016-12 | 1 | | | | 2017-03 | 1 | noncurrent p90 | NIM <2.5% | | 2017-06 | 2 | NIM <2.5%, uninsured deposits leaving | noncurrent p90 | | 2017-09 | 1 | | uninsured deposits leaving | | 2017-12 | 3 | noncurrent p90, reserve under noncurrent | | | 2018-03 | 3 | deposits shrinking, assets shrinking | noncurrent p90, reserve under noncurrent | | 2018-06 | 3 | | | | 2018-09 | 3 | uninsured deposits leaving | NIM <2.5% | | 2018-12 | 5 | noncurrent p90, reserve under noncurrent | | | 2019-03 | 5 | | | | 2019-06 | 5 | | | | 2019-09 | 3 | | noncurrent p90, reserve under noncurrent | | 2019-12 | 0 | | deposits shrinking, assets shrinking, uninsured deposits leaving | | 2020-03 | 2 | noncurrent p90, reserve under noncurrent | | | 2020-06 | 0 | | noncurrent p90, reserve under noncurrent | | 2020-09 | 0 | | | | 2020-12 | 0 | | | | 2021-03 | 1 | capital falling | | | 2021-06 | 3 | noncurrent p90, reserve under noncurrent | | | 2021-09 | 4 | deposits shrinking, uninsured deposits leaving | capital falling | | 2021-12 | 2 | | reserve under noncurrent, deposits shrinking | | 2022-03 | 3 | charge-offs p90 | | | 2022-06 | 4 | capital falling, reserve under noncurrent | uninsured deposits leaving | | 2022-09 | 3 | | capital falling | | 2022-12 | 2 | | charge-offs p90 | | 2023-03 | 3 | capital falling | | | 2023-06 | 2 | | capital falling | | 2023-09 | 0 | | noncurrent p90, reserve under noncurrent | | 2023-12 | 2 | noncurrent p90, reserve under noncurrent | | | 2024-03 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving | | | 2024-06 | 4 | | uninsured deposits leaving | | 2024-09 | 3 | capital falling | deposits shrinking, assets shrinking | | 2024-12 | 3 | | | | 2025-03 | 3 | uninsured deposits leaving | capital falling | | 2025-06 | 3 | brokered >10% | uninsured deposits leaving | | 2025-09 | 6 | deposits shrinking, assets shrinking, uninsured deposits leaving | | | 2025-12 | 7 | capital falling | | | 2026-03 | 5 | charge-offs p90 | assets shrinking, uninsured deposits leaving, capital falling | | 2026-06 | 4 | uninsured deposits leaving | brokered >10%, deposits shrinking | ## In the news (Google News, unfiltered, newest first; check the city) - 2024-06-29 [Harry Hix Obituary Jul 5, 2015 - Turner Jenness Funeral Home](https://news.google.com/rss/articles/CBMiZkFVX3lxTFBIMXhDWncyQnFuRXJOV0ZCRHpZUkRPaEZMcWlWS0VWcEZ6MHBoTHUzODZoM3h6R2FoU1lWeWtZbjFxaTBLeGg0ZlJYS1loOHplZG9UamF4blJUVkJLUS1JdGx5eVgwUQ?oc=5) · Turner Jenness Funeral Home - 2016-02-12 [Anthony "Tony" Martin - View Obituary & Service Information - Fratzke & Jensen Funeral Home](https://news.google.com/rss/articles/CBMibEFVX3lxTFBBQm8wclNqODhDb2xZQ18wZ2ZrZ1RnbEVlbjNycHBZQmFoa2VlR0VZME5XZFQ5cW9HSWhoOXB0QTNGbHBFLWx3clp5dzdONXR5RXQwNndnd0tSU0Znang5bHNDN19rc2ljVVlaRw?oc=5) · Fratzke & Jensen Funeral Home - 2010-03-30 [Bonnie Lucille Quirin Obituary Mar 30, 2010 - Warner Funeral Homes & Crematory](https://news.google.com/rss/articles/CBMidEFVX3lxTE1ra2hBM2drSjkyRXBzbzNWRF9JRUlsRGRWaEpVUnlCNm85b1VBNXZwdzNpdEhEVVNzckJ1Q1E5VzBQQVpmYVRTTnpsamtrQlNiSnYtTVBNQXBjWmotVDMyWnhockxGeFRsYUozc056alJnYXpv?oc=5) · Warner Funeral Homes & Crematory - 2023-07-21 [LaVonne Spivey Obituary - Chandler, AZ - Dignity Memorial](https://news.google.com/rss/articles/CBMihAFBVV95cUxPZmpoem02NGdrTUIwMGhGSVVpOFFheVp1SmtOalBEVFdCWlUzWkViVkFYYkp0WUFRV2hSeEY2eUdPU01nNkJzcnJYVXA5Yk1rZGtlUFA3T2pfdGl4WFBGam9jYmhTWGdmMXJYQ01LY0ZwX013NHNHWTZ0Z1VLaFBsZV8zRlE?oc=5) · Dignity Memorial - 2009-12-28 [Mae Bersee Obituary - Visitation & Funeral Information - Fratzke & Jensen Funeral Home](https://news.google.com/rss/articles/CBMiZEFVX3lxTE9CYXQ0ZkItR041TzV4cXhfSllmRzh4b0RfTHAyNEV5YTJwMUh4ZjJoTUpYZmUwXy1XdEl0ZV9iYnktU3hkcXpBRXJrMGV1czhSUG9Wakp1WEk5MHZtcXI2NEltd00?oc=5) · Fratzke & Jensen Funeral Home - 2018-05-25 [Ronald Gene Rydberg - View Obituary & Service Information - Fratzke & Jensen Funeral Home](https://news.google.com/rss/articles/CBMiakFVX3lxTFAtVjJNWENfdlV3R1NZbEJramNLcHZKNF94cHdQdHZqV2d5S2JldEVPWDJaR3hfdVJ1c0RQSFF1a0p0LXM1MG5RU2hHOUtPMVFab0YwTGVFQlNfallzcThaVngyZUEzUEdDWHc?oc=5) · Fratzke & Jensen Funeral Home - 2021-02-14 [James "Jim" Currie - View Obituary & Service Information - Fratzke & Jensen Funeral Home](https://news.google.com/rss/articles/CBMibEFVX3lxTFAtSTBXcF9SRXU2QjlxOXRNZFBCc0FfclV5VUlSdm41N3EyNjgzTlNjNThqX1RZQmNLR3NEUnRkQlFURUphenVjbkJGc0xGME1HM3pGVHFMSnpfQ3BxR3JSNkt3QmJrSmIyZm9uNw?oc=5) · Fratzke & Jensen Funeral Home ## How to verify - Page: https://getbookiq.com/bank-desk/#bank=13931 (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/43.json (key "13931", 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