# ASHTON STATE BANK
ASHTON, NE · FDIC certificate 1436 · asset band <$300M · latest filing 2022-09 · stopped filing (departed)

**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 | $19.0M | |
| Deposits | $17.2M | |
| Loans and leases | $11.9M | |
| Total equity | $1.7M | |
| Loans / deposits | 66.90% (p56 of band) | 63.45% |
| Liquid assets / assets | 36.51% (p43 of band) | |
| Uninsured deposits / deposits | 8.08% (p8 of band) | 20.44% |
| Brokered deposits | 0.57% | |
| Wholesale funding | 1.10% (p56 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.67% (p16 of band) | 10.74% |
| Unrealized securities loss / equity | -29.23% (p48 of band) | -26.93% |
| AOCI / equity | 0.00% (p93 of band) | |
| ROA (annualized) | 0.38% (p16 of band) | 0.89% |
| Net interest margin | 3.41% (p62 of band) | 3.22% |
| Efficiency ratio | 89.93% (p89 of band) | |
| Noncurrent loans | 11.65% (p100 of band) | 0.22% |
| Net charge-offs (annualized) | -0.09% (p4 of band) | |
| Reserve coverage of noncurrent | 27.15% | |
| Real estate % of loans | 58% | |
| Construction % of loans | 0.00% (p8 of band) | |
| Auto loans | $68,000 (0.57% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -2.8% | |
| Employees | 4 | |

## 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 | 0 |  |  |
| 2011-06 | 1 | reserve under noncurrent |  |
| 2011-09 | 0 |  | reserve under noncurrent |
| 2011-12 | 1 | reserve under noncurrent |  |
| 2012-03 | 0 |  | reserve under noncurrent |
| 2012-06 | 1 | capital falling |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 2 | reserve under noncurrent |  |
| 2013-03 | 1 |  | reserve under noncurrent |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 | reserve under noncurrent | capital falling |
| 2014-03 | 0 |  | reserve under noncurrent |
| 2014-06 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2014-09 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2014-12 | 3 | noncurrent p90, reserve under noncurrent, uninsured deposits leaving |  |
| 2015-03 | 0 |  | noncurrent p90, reserve under noncurrent, uninsured deposits leaving |
| 2015-06 | 1 | reserve under noncurrent |  |
| 2015-09 | 2 | noncurrent p90 |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 4 | deposits shrinking, assets shrinking |  |
| 2017-03 | 3 | expense ratio p90 | deposits shrinking, assets shrinking |
| 2017-06 | 3 | deposits shrinking | expense ratio p90 |
| 2017-09 | 3 |  |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 4 | losing money, expense ratio p90 | deposits shrinking |
| 2018-06 | 5 | capital falling, charge-offs p90 | expense ratio p90 |
| 2018-09 | 5 | uninsured deposits leaving | capital falling |
| 2018-12 | 4 |  | uninsured deposits leaving |
| 2019-03 | 1 |  | noncurrent p90, losing money, charge-offs p90 |
| 2019-06 | 5 | noncurrent p90, charge-offs p90, deposits shrinking, uninsured deposits leaving |  |
| 2019-09 | 7 | losing money, expense ratio p90 |  |
| 2019-12 | 8 | assets shrinking |  |
| 2020-03 | 7 |  | charge-offs p90 |
| 2020-06 | 5 |  | uninsured deposits leaving, assets shrinking |
| 2020-09 | 7 | capital falling, charge-offs p90, assets shrinking | deposits shrinking |
| 2020-12 | 4 |  | capital falling, charge-offs p90, assets shrinking |
| 2021-03 | 4 |  |  |
| 2021-06 | 4 |  |  |
| 2021-09 | 5 | charge-offs p90 |  |
| 2021-12 | 6 | uninsured deposits leaving |  |
| 2022-03 | 2 |  | losing money, expense ratio p90, charge-offs p90, uninsured deposits leaving |
| 2022-06 | 5 | capital falling, losing money, expense ratio p90 |  |
| 2022-09 | 2 |  | capital falling, losing money, expense ratio p90 |

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

- 2021-08-04 [Ravenna man indicted on federal bank fraud charges for lying to bank about sheep herd - KHGI](https://news.google.com/rss/articles/CBMiywFBVV95cUxQWm9HOHh1RDZtR0dyT2V2b0dmOURDUFlraGlabXRBUXRrNHpqYjJueWVFbmRKTVQtWXFwcVNnWkI0dVUwSUszOTEzYjVVWG52aEJJcGZCdEZ4TXBZSXZuR0NPQUp2ZURHNmZxT0N1Tmh6Sm9LMnJaSjFMUGdrMHg4bGU3RHhSRWh5bkM1UTVrdWJuVU0xOWhjTUx6TVRmUm8yVmhzMzlpbjBRMEttNkhjdWRTeU50cTFGLVlUN0hHeUZVdmVrMmZYaC03bw?oc=5) · KHGI
- 2025-12-01 [Down to the last penny: Banks and businesses gear up for shortages - The N'West Iowa REVIEW](https://news.google.com/rss/articles/CBMi8AFBVV95cUxQaExyLXlfdU5SclZqT09STmhaZkswbUFQQXJNal9Yck5wVEVZN3BmU0d4OFhlc1ExZUsxTnlTbjhid19SSndmRXhlNHVMSjNkVHgtbUpaWUlMbGt0NEVRbHhfdGlkREN2N2pSOGtvNFlGc2MxYkM2elY0amo5UnppR3d0WGZ4NmRsWURPY3h4Z2c2T3pnLTdJanA4dGRHZzJOT1haTmhEenZHV2dYN0dLSnNFYkFNa0x3VVJHRm9yTk1SZGp0ZmZZODZPaUdsVlNyMmZQUmFvSHgxVVRnaWZyWWNxaHBUMzlUZHZIQUFJeFA?oc=5) · The N'West Iowa REVIEW
- 2018-04-29 [Roman F. Badura Obituary Apr 29, 2018 - Peters Funeral Home | St. Paul, NE](https://news.google.com/rss/articles/CBMiaEFVX3lxTE1fOWFoRVpKTGtIMzRDeEhjT09NUGl4eDBieHZxQ05HVlVfWHh5VWdxdjNlUDVLUDdSNFZwUFk1NU93TkFleEQ0OVVGRGMtQi0xODNDOHdNU3R5RE5EMTBnZ2l5eFRWamxM?oc=5) · Peters Funeral Home | St. Paul, NE
- 2021-08-05 [Nebraska sheep farmer indicted on federal bank fraud counts - KLKN-TV](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPam5qNER4ZUNKeDFqQWRVOFNidEg4czRQdlZUUldXTk5zQ1dqVFFCcC1DTURQUTQzOV9BS2psZW42NC1zUDBqX3NDcUFwMXRLR1huZ194Z0lvR3YtN1l6RXFkZFpDeHB4MDVqWlhEb0pqbUltZ0NLNEJFelRJYkp2T19tVlRJcGMxRXpz?oc=5) · KLKN-TV
- 2022-08-01 [Ravenna man gets probation, intermittent confinement for lying to bank about sheep herd - KHGI](https://news.google.com/rss/articles/CBMizwFBVV95cUxPdXNYcmZpeTFzRUQ3eWRrT0ZWZlVSbEprbW9zSllxdURDR3FxUG4wSWtjbFlfWnhjcUlMQUItN3phdnlfNWYtMlF4YUNIVE51blZDZFNURDJtVG1GbEx6MFZnbzFXeGhXM2NERUZ3TFRWU2NQTHQ5QzFWeHlDVndUNDcwMjhQaXpjV0QzLVlPRS0tSlBpNklXYjVDNkFGbGZVcjNGM0JlMTlXd0pEWndMWFM3cE1XVjM1enlhOUwxRmMzcWtuUUdKT0Y1MFpuUGs?oc=5) · KHGI
- 2023-02-22 [Nancy Badura Obituary (1951 - 2023) - Kearney, NE - The Grand Island Independent - legacy.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxPdlo4UnN3aTBkREVMbExFRDlHVGpnNnhBZlpvQWdiZGNQQ0UwdjZzcGlQekJMTzJVT21yUkFXaUQ3RDJhNGphVGd5dGh5S0tlTGlyT1h3dk56ZlctQVo5TmNLTDdaYzZ2U2I5T180S19PcDZ5dmNfWnQyNEdDRTAyX2c1OXNSSmRRTWwzQW1taFNoSE43?oc=5) · legacy.com
- 2019-04-17 [Lois L. Kaminski Obituary Apr 17, 2019 - Peters Funeral Home | St. Paul, NE](https://news.google.com/rss/articles/CBMiakFVX3lxTE9XWXBZY1hxZTc5YmV2MVFSQ1ptbko5akRVQVFWRWRvNzNjd2lKQTNfcnZmRTVkcjgtRVEzOGVia2FCTlRpeldyV25Gc3Z6TWxBNU5WZ3ZpRE9pUVdoSkFWRGY5NzFfTkJxekE?oc=5) · Peters Funeral Home | St. Paul, NE
- 2019-02-13 [Couple open new bar and grill in Ashton - The N'West Iowa REVIEW](https://news.google.com/rss/articles/CBMivAFBVV95cUxPVENXOVFaUUhlc21xU1RJSDBrNjAzZW9hMUsyUW5TNHNEa1hvREI5SFhKSVVWcnBPNkNZVV80UmNqTk5EbjdkdzZqTkNDeUVBaTJkNXV6YmRjOU95MFZPSENjT2ZCQUFHejg4WFdKano4RGxvMDlkRm1lNnQ0Qi1PN3JYWjRsa3V5cTJvVkJncjNSRVgtOVpyLVlMSzZ6MzdQU2VQX05CMjZROEVrUHMwU1EtNG40YWVQdnl0LQ?oc=5) · The N'West Iowa REVIEW

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=1436 (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/28.json (key "1436", 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