# SCRIBNER BANK
SCRIBNER, NE · FDIC certificate 14026 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. 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 | $86.9M | |
| Deposits | $72.1M | |
| Loans and leases | $57.9M | |
| Total equity | $14.4M | |
| Loans / deposits | 78.77% (p60 of band) | 73.59% |
| Liquid assets / assets | 32.00% (p49 of band) | |
| Uninsured deposits / deposits | 19.58% (p49 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 16.56% (p84 of band) | 11.76% |
| Unrealized securities loss / equity | -1.09% (p76 of band) | -6.57% |
| AOCI / equity | -0.52% (p44 of band) | |
| ROA (annualized) | 2.73% (p95 of band) | 1.17% |
| Net interest margin | 5.17% (p92 of band) | 3.93% |
| Efficiency ratio | 57.45% (p28 of band) | |
| Noncurrent loans | 0.04% (p29 of band) | 0.36% |
| Net charge-offs (annualized) | -0.08% (p3 of band) | |
| Reserve coverage of noncurrent | 4448.00% | |
| Real estate % of loans | 31% | |
| Construction % of loans | 8.75% (p36 of band) | |
| Auto loans | $245,000 (0.42% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -0.8% | |
| Employees | 13 | |

## Flags firing in the latest filing

- none

## 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 | 1 | capital falling |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2014-06 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 2 | deposits shrinking, assets shrinking |  |
| 2015-12 | 3 | uninsured deposits leaving |  |
| 2016-03 | 1 |  | assets shrinking, uninsured deposits leaving |
| 2016-06 | 3 | assets shrinking, uninsured deposits leaving |  |
| 2016-09 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2016-12 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2017-03 | 3 |  |  |
| 2017-06 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | uninsured deposits leaving |  |
| 2018-06 | 0 |  | uninsured deposits leaving |
| 2018-09 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | NIM <2.5% |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 | securities losses >30% of equity | NIM <2.5% |
| 2022-12 | 0 |  | securities losses >30% of equity |
| 2023-03 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2023-06 | 3 | assets shrinking |  |
| 2023-09 | 3 | securities losses >30% of equity | uninsured deposits leaving |
| 2023-12 | 3 | uninsured deposits leaving | securities losses >30% of equity |
| 2024-03 | 3 |  |  |
| 2024-06 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2024-09 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2024-12 | 1 |  | assets shrinking, uninsured deposits leaving |
| 2025-03 | 1 | reserve under noncurrent | deposits shrinking |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 0 |  | reserve under noncurrent |
| 2026-06 | 0 |  |  |

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

- 2022-05-12 [Bank of America Just Lost Sumeet Chabria, a Key Tech Executive - businessinsider.com](https://news.google.com/rss/articles/CBMiogFBVV95cUxNTmRvbTdnelltVm02b24yWnNvNlZ3MVdGSDNDMlpvQzJHZExiVm9sOXJLT20tSXpmVjR4bTNaMXF4SjFYTG5kdTJMUktHY0FZTnNsNlhHNUJyNW9UWFFLNFFTa1JDbFlCVWF3cWF1bGY0YlB3T1FBWENFMjJkS3pPdll4bXJfNWR3eWdnTjdSZlh0aGZKLXFHa2VLTXp5WFV0RlE?oc=5) · businessinsider.com
- 2017-07-27 [S.D. company chooses to close Scribner home - The Norfolk Daily News](https://news.google.com/rss/articles/CBMixAFBVV95cUxOT1pzQWxuYUVOLWJVelllTVhuN2hCSElVSkNKV2JUbExpR1o1TW1VMm56YjhiTzBxcmhfRVJKaFFjbXJtNkNWaUttcmkwMmJydkdPc2lMLW5oU0QxZlNpbmlfUHFza0FGQzRDOU8zRXhtbEhVWkNuZjllQ2Q5QWlMNldTMmRmdjV1ZTRXZjVvMHdwWV9fMHBxaW40STRnMFF6dGxmbFg5LUZlUnNlUDJoQVFNbk53b2pURXZBWUxfb2ctUVhT?oc=5) · The Norfolk Daily News
- 2021-06-17 [Diane Hasemann Obituary (1953 - 2021) - Scribner, NE - Fremont Tribune - legacy.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxOMzlYcm9hMHVjOVllN0lCaEFOU3N1T3ktWl94X3pPUmtRelBLWGw1bDVqclBuSHo4WGRPMk1YaEdsQktiUTZqcjRtYXB0c2tsOHN1Snk5ZnpkNzB4UmJSZ3ppWUpTc2llUk9YTkU4ZHJaQ3k1SElZZmNyclk2OFB3R1ZLVkRaRm41TF8xbXRVal9aZVZwbVlN?oc=5) · legacy.com
- 2025-05-26 [Nebraska family faces unthinkable future with child's brain tumor diagnosis - Omaha World-Herald](https://news.google.com/rss/articles/CBMiswFBVV95cUxOS1BPU2RjalMwX1JaT0lDczdDSXQ1a2tlVGNLSWc4TmNCck9XUnBsZV9kTUZoNFNJVUdVTmwybGhWSEFScWRvUjNHZlliYmRxZGx5M1lSRGNZZGFRcTdoRXk4RUY1MVI0U256dGVEWnN1ZG1DaG5yNjcycXlHdFAxYzNEVVFnZHl4MHlSMmVqODBSYk1oc25sM1JhU1Q1RjFuRlJnNnRaYW9CZFJ1Q2lrSVF4VQ?oc=5) · Omaha World-Herald
- 2019-04-06 [Delbert Moeller Obituary (2019) - Fremont, NE - Fremont Tribune - legacy.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxOMXdKOGlNbWJRd1pyUWpFOFhjTklZc0hCZVlPOVBibUNsTXJJYWdZaS0wNHdweDUxYmFqX3o5N2hGZEJjMXRDTEdDVGRfWjJDZy1rbkk4TFFGWS0xQ3NvNkQ5V25EV3I5ekRWMl9Zb3laYkJaSFNCejYwVEtuZTEtcml6VUxKM2luWWFhb003bkhaN3NpOWNISg?oc=5) · legacy.com
- 2024-11-13 [Elinor Reber Obituary (1926 - 2024) - Fremont, NE - Fremont Tribune - legacy.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxPZ3RyaUhlcmFHbjV2TzlQeUxscThkSnpEekFYRW5ndGZmRmpYOVVpTE51LS01S1l5UTltRHdPRUs2MWVTZVg4ZExFR2VVdWlKLUlBVDFJYUdmRldHVGFRcXU1dFBKOGtHRGtrajVWZGlxTU5PMDJrYklERVQwWFpCT2t3ZTExdHd2a2VkTmU2N18xVmtn?oc=5) · legacy.com
- 2022-04-19 [Wiltrude Toelle Obituary (2022) - West Point, NE - Fremont Tribune - legacy.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxPRlc0ZkJ0U00wdFlFampZU09EdHZRZzVtNmlONFRPdGdiZmllalMwbks3bXpaTXQwaXE2X1h3eU02SWltNktiMHpsMkVPUEs0SkQwd2xxUy1GUXRsTjh2dmVMMGl6Unl1aDMtYUlxZUZOTzZmczI5VFVkNHpwVE4tWmZvZFlodlI3OVRwZ21rT0JNdS1rN2dBUg?oc=5) · legacy.com
- 2026-07-21 [Tommy Collins Obituary (1941 - 2026) - Grand Island, NE - The Grand Island Independent - legacy.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxPam9QV19tVUJNaUNBdzdfQ0MyQ3AzSEd4VVZtOGJQeXJzV00tekQ1ZXhsR0RnSTBacndYZmo1MVYyYzRPQlBudjZySnhMNUltYkdOeFdTaEw5Sk1CVFRscS1DOGJYSW1RN0VaWEpYN21YZFRwTlhWSkpXXzFwUll5REJ3dVRDZ1BSRHVnNFh6TjlUQmFhZUE?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=14026 (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/10.json (key "14026", 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