# HARTWICK STATE BANK
HARTWICK, IA · FDIC certificate 14015 · asset band <$300M · latest filing 2016-12 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 2 (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 | $24.1M | |
| Deposits | $22.0M | |
| Loans and leases | $9.6M | |
| Total equity | $2.1M | |
| Loans / deposits | 43.29% (p11 of band) | 74.46% |
| Liquid assets / assets | 59.25% (p89 of band) | |
| Uninsured deposits / deposits | 5.55% (p11 of band) | 14.82% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.54% (p12 of band) | 10.76% |
| Unrealized securities loss / equity | -0.34% (p62 of band) | -0.86% |
| AOCI / equity | -1.79% (p39 of band) | |
| ROA (annualized) | 0.13% (p9 of band) | 0.85% |
| Net interest margin | 2.79% (p12 of band) | 3.68% |
| Efficiency ratio | 94.47% (p91 of band) | |
| Noncurrent loans | 2.13% (p84 of band) | 0.62% |
| Net charge-offs (annualized) | 0.00% (p27 of band) | |
| Reserve coverage of noncurrent | 57.56% | |
| Real estate % of loans | 57% | |
| Construction % of loans | 8.46% (p36 of band) | |
| Auto loans | $177,000 (1.84% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -3.2% | |
| Employees | 5 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)
- **reserve under noncurrent** (`aq_reserve`)

## 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 | 1 | capital falling |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | capital falling |  |
| 2014-03 | 0 |  | capital falling |
| 2014-06 | 0 |  |  |
| 2014-09 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2014-12 | 3 |  |  |
| 2015-03 | 4 | capital falling |  |
| 2015-06 | 2 |  | deposits shrinking, assets shrinking |
| 2015-09 | 0 |  | uninsured deposits leaving, capital falling |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 2 | deposits shrinking, assets shrinking |  |
| 2016-09 | 1 | uninsured deposits leaving | deposits shrinking, assets shrinking |
| 2016-12 | 2 | expense ratio p90, reserve under noncurrent | uninsured deposits leaving |

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

- 2017-01-10 [Anna V. Olson Obituary Jan 10, 2017 - Powell Funeral Homes](https://news.google.com/rss/articles/CBMiakFVX3lxTE5jU2ZUQXd2RW94T3Q2TXI3U0NHeW15b0k1eXBWbGZIc0pDcS1NSnA5MkVqSUZYUUJtemtwYkxBMnh4Y1VJd0s2VWFnal9YVGlhSUp2SGZiWUt0bnlZelFyWHFpeFlYcm4xSEE?oc=5) · Powell Funeral Homes
- 2026-03-21 [Sue Eichhorn Obituary (2026) - Montezuma, IA - Holland-Coble Funeral Home - Montezuma - legacy.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxNSFZaN1BjUUQxRnRXclhNN216NDZBZ3lUSFIybjNxZmxCajVvcjV2SElCaXRCTzNVUWs2TGh3bGRiNVlBWEZTcXBNcGFIb3JKNUtGbjNtMVFiSk1NV0NnUXptbVZPSlYxY0FYTXlPOEQ1Mkl2SFkxcGs2ZUJ4WTI4UA?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=14015 (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/63.json (key "14015", 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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