# GREAT PLAINS STATE BANK
PETERSBURG, NE · FDIC certificate 14058 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. 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 | $392.0M | |
| Deposits | $340.5M | |
| Loans and leases | $312.9M | |
| Total equity | $42.2M | |
| Loans / deposits | 90.48% (p72 of band) | 82.04% |
| Liquid assets / assets | 17.74% (p24 of band) | |
| Uninsured deposits / deposits | 15.03% (p13 of band) | 25.97% |
| Brokered deposits | 6.32% | |
| Wholesale funding | 7.85% (p70 of band) | |
| FHLB advances / assets | 1.53% | |
| Tier 1 leverage | 10.81% (p50 of band) | 10.81% |
| Unrealized securities loss / equity | -1.84% (p81 of band) | -8.10% |
| AOCI / equity | -0.33% (p51 of band) | |
| ROA (annualized) | 1.11% (p39 of band) | 1.28% |
| Net interest margin | 3.54% (p29 of band) | 3.91% |
| Efficiency ratio | 57.12% (p37 of band) | |
| Noncurrent loans | 4.14% (p97 of band) | 0.43% |
| Net charge-offs (annualized) | 0.15% (p88 of band) | |
| Reserve coverage of noncurrent | 36.86% | |
| Real estate % of loans | 53% | |
| Construction % of loans | 47.14% (p54 of band) | |
| Auto loans | $776,000 (0.25% of loans; DQ 0.90%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 9.2% | |
| Employees | 47 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | brokered >10%, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 1 |  | brokered >10% |
| 2012-03 | 2 | charge-offs p90 |  |
| 2012-06 | 3 | uninsured deposits leaving |  |
| 2012-09 | 1 |  | charge-offs p90, uninsured deposits leaving |
| 2012-12 | 1 | capital falling | reserve under noncurrent |
| 2013-03 | 3 | charge-offs p90, reserve under noncurrent |  |
| 2013-06 | 1 |  | capital falling, charge-offs p90 |
| 2013-09 | 2 | deposits shrinking |  |
| 2013-12 | 3 | uninsured deposits leaving |  |
| 2014-03 | 1 |  | deposits shrinking, uninsured deposits leaving |
| 2014-06 | 2 | loans exceed deposits |  |
| 2014-09 | 3 | liquid assets <10% |  |
| 2014-12 | 4 | capital falling |  |
| 2015-03 | 1 |  | loans exceed deposits, liquid assets <10%, capital falling |
| 2015-06 | 2 | loans exceed deposits |  |
| 2015-09 | 5 | brokered >10%, wholesale funding >15%, liquid assets <10% |  |
| 2015-12 | 2 | capital falling | loans exceed deposits, brokered >10%, wholesale funding >15%, liquid assets <10% |
| 2016-03 | 4 | loans exceed deposits, brokered >10%, liquid assets <10%, losing money | reserve under noncurrent, capital falling |
| 2016-06 | 7 | wholesale funding >15%, reserve under noncurrent, uninsured deposits leaving |  |
| 2016-09 | 6 | capital falling | loans exceed deposits, uninsured deposits leaving |
| 2016-12 | 6 | loans exceed deposits, uninsured deposits leaving | losing money, capital falling |
| 2017-03 | 4 |  | reserve under noncurrent, uninsured deposits leaving |
| 2017-06 | 5 | reserve under noncurrent |  |
| 2017-09 | 4 | capital falling | liquid assets <10%, loans exceed deposits |
| 2017-12 | 3 |  | reserve under noncurrent |
| 2018-03 | 2 |  | capital falling |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 4 | loans exceed deposits, liquid assets <10% |  |
| 2019-03 | 5 | losing money, reserve under noncurrent | liquid assets <10% |
| 2019-06 | 2 |  | loans exceed deposits, losing money, reserve under noncurrent |
| 2019-09 | 3 | capital falling |  |
| 2019-12 | 2 |  | capital falling |
| 2020-03 | 2 |  |  |
| 2020-06 | 3 | loans exceed deposits |  |
| 2020-09 | 3 | uninsured deposits leaving | loans exceed deposits |
| 2020-12 | 2 |  | uninsured deposits leaving |
| 2021-03 | 4 | noncurrent p90, reserve under noncurrent |  |
| 2021-06 | 2 |  | noncurrent p90, reserve under noncurrent |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 1 | capital falling | brokered >10%, wholesale funding >15% |
| 2022-06 | 0 |  | capital falling |
| 2022-09 | 3 | noncurrent p90, deposits shrinking, assets shrinking |  |
| 2022-12 | 3 | charge-offs p90 | noncurrent p90 |
| 2023-03 | 2 |  | charge-offs p90 |
| 2023-06 | 0 |  | deposits shrinking, assets shrinking |
| 2023-09 | 2 | capital falling, noncurrent p90 |  |
| 2023-12 | 3 | loans exceed deposits, wholesale funding >15%, uninsured deposits leaving | capital falling, noncurrent p90 |
| 2024-03 | 0 |  | loans exceed deposits, wholesale funding >15%, uninsured deposits leaving |
| 2024-06 | 1 | capital falling |  |
| 2024-09 | 3 | noncurrent p90, reserve under noncurrent |  |
| 2024-12 | 1 |  | noncurrent p90, reserve under noncurrent |
| 2025-03 | 0 |  | capital falling |
| 2025-06 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 3 | loans exceed deposits |  |
| 2026-03 | 2 |  | loans exceed deposits |
| 2026-06 | 2 |  |  |

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

- 2020-02-27 [Bank provides $25,000 for new ag building - The Norfolk Daily News](https://news.google.com/rss/articles/CBMiwgFBVV95cUxOdnFZRjU2blVIblg5dG9kWTN5QUpvQW9DRzVzWkRNN1BEd1RDOFB1aDFfQ1pDa3JjaGlBMk5WaFR6RUdXTm55cmpDdUF6ZEZPaGpKcHYzb1hVNDItQ1ZsNFhONVk0R0s0WkZtU1FoYVVxMlJQRzhJakU2VGpLaHFiQ0xFLUJtT2pCcy1jSWJxdFRkdEVSYko1dVRRUm9ta3FHREJJTi1ja29wMzZ0cW9IMkxseEw1NGVTNmVTWDlNOHQ3Zw?oc=5) · The Norfolk Daily News
- 2025-05-29 [Fat Head Honey Farms in Clarkson abuzz with excitement as stop on Nebraska Passport - Columbus Telegram](https://news.google.com/rss/articles/CBMipAFBVV95cUxNcnVwMnk3eENQbEt3Vjk0bk1wX292VFZpbGxnTWVzUE5vWGNTX3RWV2JRNmMxZHhlY3c0YlFLOFd3RkRUQnN5NkF6dW5ELThBa2dyS1RVR2RzYWZ1d3gtei1Ld3J2dW5USzE0ZTJEOWV4OGowYjRQUGxsQ01TUGdMZk1xbjE1UHVxS3V2OW9VaTc0Z21uem0zby1qRWw2YUlnbEJSbg?oc=5) · Columbus Telegram
- 2025-02-12 [National FFA Week 2025 - KBRX.com](https://news.google.com/rss/articles/CBMiZkFVX3lxTE5kUm1uckkxejN2dkFLYUpuM2xoM2RMRV82NW82RTE4cHRScEdFTWZaVXQxSzZhNUZRZ0k3SEhndVVjUVJQQjRaRTVXQUpPdWlNc1IteGlMRkpCdnY2ay1JOHpnUG9idw?oc=5) · KBRX.com
- 2024-05-18 [Harrah's Columbus location opens with ribbon-cutting, first jackpot and first live sports bet - Columbus Telegram](https://news.google.com/rss/articles/CBMikwFBVV95cUxNS0Z0SVdHSnhPLUVVOVlvVTEzQWhYeFAtNUVKTjRUcEZMX0pCa2NIc0NpbUliSlZOMzlxb2RJUVdna1dkTV9Kb0s3bVBZU01QaTFCdDF4cEVJR055QnNjN0lRb2Utc2ZoNGlKaDNOY1NqUmNFaE9xYVM0S0Y5UDFZbGtJYjJ2V01NeC1oVkRqa1JUbDQ?oc=5) · Columbus Telegram
- 2020-10-30 [LIFE OF ADVENTURE: Chochon relishes the outdoors, giving back and family - Columbus Telegram](https://news.google.com/rss/articles/CBMikwFBVV95cUxPUXdhYWhjMGVmWm5ySHNnVmtjdFE4Y090QzN1czl6WmptVmpKeGdCcU1Fb2tXa0NRLVFlXzUyb0lxT3Y4Y0lwZlh2TllCRWVseU1TbzhyOUJ6d2lqZ0FKVVRfMXdkSmRTUzNkbW1XLXpPdXAwMldRRk83VmxQUWk1ZVNIaElWUTl2cnNEUm91dzczcUk?oc=5) · Columbus Telegram
- 2026-02-19 [NCAA bracketology: Nebraska men drop a seed line, Husker women risk bubble bursting - Columbus Telegram](https://news.google.com/rss/articles/CBMirgFBVV95cUxNN0RlVnZzVUpLOUpPMllUdDFpOVlGVUpxNnpBeWs0MWNuMDdqSHJPZnB5MTI4SHh6UE1naHhtWW1uY0RDUlJLS2RiUE8xUDJKRmNENUNkY25LekE1dXprTEFkZ2JKVGdyRV9UcE1NNUx5Sm9fTnNNU3hZZVZtSkR2VUxxdXktb1FZZTFFVEl2ZkRkZVFfMDVxY2xpaTZVSmhtRkNOai1VM0d6WlVoWVE?oc=5) · Columbus Telegram
- 2024-08-22 [McKewon: Harper Murray’s journey in intense ESPN doc shows thrills, costs of Nebraska volleyball stardom - Columbus Telegram](https://news.google.com/rss/articles/CBMilwJBVV95cUxNWEwwMjlXVzZfamlXR0h4WDM3eE9iZnk0NDI1OHZaamdmV3R3dHVnZTJ4WWx2ODh4eklWa2x2NG1VRkRON3VLRV9OcDJOX0V5N3JDRW04VC1aU3pSRGZtdHozV0hEVVFMemU5b25qVVlId3Rybi1oR3ZMdTFybmVpQ0xoQ2wxeGlCd3VfeTZjSmJEeHd5Y2NfcGh0bkVYM2dPcnZ6WThwaWhJOUwxM2liaHZaY2JsSVgyODZvRFlaZXBJUWlRR3ZYQjJKRmNpdVVfWGxUal9oN0p2YkNUb0JHd1BVemV4MDJSUFYtT0x1WW1sNjNfLVBscUwyWC1HSk5pZmg4Vkx3ZDlPT3V4RUlOQkJ0T2pMczQ?oc=5) · Columbus Telegram
- 2025-02-18 [Lacy Williams helping bouquets, boutonnieres and memories last forever with Preserved Elegance - Columbus Telegram](https://news.google.com/rss/articles/CBMinwFBVV95cUxQd0E5cmdSb2dvSXZHdEZjSFRJTG5EUUZlUTJzUEJ3di0zdGdUV3p2azh2Q1d1dTFDdnN3WjBsR2xaWFZTM09jc1M2TzlvYmplQXVYSlVac0pMdjNzT3UxcVRsaVhZd0dQZDQwNWRvV2tnZ2NPbFIwbXhNaHNJVDBsNlkwRFlvUjN1VlBrN1J0M1hyTFJKc0lVSFRyN05hU0k?oc=5) · Columbus Telegram

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=14058 (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/42.json (key "14058", 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