# COUNTRYSIDE BANK
UNADILLA, NE · FDIC certificate 1438 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 (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 | $118.5M | |
| Deposits | $96.7M | |
| Loans and leases | $67.9M | |
| Total equity | $18.0M | |
| Loans / deposits | 69.51% (p44 of band) | 73.59% |
| Liquid assets / assets | 38.51% (p61 of band) | |
| Uninsured deposits / deposits | 8.83% (p10 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.37% (p61 of band) | |
| FHLB advances / assets | 2.37% | |
| Tier 1 leverage | 15.20% (p78 of band) | 11.76% |
| Unrealized securities loss / equity | -1.87% (p71 of band) | -6.57% |
| AOCI / equity | -0.68% (p37 of band) | |
| ROA (annualized) | 1.35% (p61 of band) | 1.17% |
| Net interest margin | 3.46% (p28 of band) | 3.93% |
| Efficiency ratio | 61.26% (p38 of band) | |
| Noncurrent loans | 0.35% (p50 of band) | 0.36% |
| Net charge-offs (annualized) | 0.01% (p67 of band) | |
| Reserve coverage of noncurrent | 279.17% | |
| Real estate % of loans | 64% | |
| Construction % of loans | 9.36% (p37 of band) | |
| Auto loans | $3.4M (4.97% of loans; DQ 0.24%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 1.6% | |
| Employees | 15 | |

## Flags firing in the latest filing

- **uninsured deposits leaving** (`flight_uninsured`)

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

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

- 2025-07-14 [Suspect charged in Countryside bank robbery - Loudoun Times-Mirror](https://news.google.com/rss/articles/CBMi2AFBVV95cUxNTzVpZ0R6QUQtenM4akt5VmRRVUk1TWlNLVE5RDZUQjVjQUJKb0lnT3N0bmFibUJoYUNGTnB3d2k0aVRLWi1Nc0hvSVVVa3l3TkR2ZDlURmxDbFVDT0hGaHVEdXNFLWhmdy1INmR1aTFWYU8wTEJUck9NRWNhRXg0MnlPTklfWEtRRU1yeE9HMnBfTEkzLWZTS0JLc2h2Z3lEU295UGtpbVJHRXREREplbTZrb0hQd2t3bTFERFVjVzE1bG1mdWdmUzBUbm1qd01aR3E5WHBnZWk?oc=5) · Loudoun Times-Mirror
- 2026-05-07 [Nebraska Bankers Association honors seven veteran bankers, one centennial bank at convention - KHGI](https://news.google.com/rss/articles/CBMitwFBVV95cUxNTlduUThrSXdrUWtWOEdTbmNVRlRLQlduVDRGVnkwNU9mYy13cWtPS3lKdXBHeGJBZmNERlVLcnF2YkJKeXZsTEtLRngtZGJEbE1kU2lkTm9EaTllOXgwV3pBMm5VaGphU0JrcmFJR0w0aWMxeEVHNXdXSnFnbWExUk9PR0p3SEFiR2dvajliWDhrM2pyVE50bE16cWdQUGc0S0d1UUt6YWZwdkFDcVBRZXBEeGhrM1k?oc=5) · KHGI
- 2022-02-15 [Unadilla celebrates groundhogs and community - Nebraska News Service](https://news.google.com/rss/articles/CBMiigFBVV95cUxNN09GNE1tV3MyNFl4SFQ5a1Nlb2YycjV0NTR4RjhTV05LZUNuZ0hGNE9VWDgxRGNNOXpLZWxtclBHeGxyWnY5eHRqTEFJbzJTdVNBWVBfc2xzRzNhYWk0Q2ViWTVwYUZSSVp4cUJUbFdGb0ZBOFktX1RfUVhRM3hnU2lmUUhPUGh1TGc?oc=5) · Nebraska News Service
- 2026-02-23 [Herndon man admits robbing Countryside bank | Crime And Courts - Loudoun Times-Mirror](https://news.google.com/rss/articles/CBMi7wFBVV95cUxPRXd2bThqQUFTdVNESmtvZHhMcUh4bU0xX2ZkRWZ3b01CbVlNa0RUYWttUnMzN2ZqeGt4TmcxemRzUVVNb0hqR09EcXlMSzc4cWxuMktjR19uOHlkVC1GazBSb3dXajFuQzhySVFNU2M4b2ZNLVR4WXVhb0VDVnNxTmdMc01LWDdSeFBaVVRWTDlHdlhMb1pLLW16ZXNZVFp3cG9mVk1UR3RGUjBqYjNQd2gxSnNFY19uakVCNGtZVnhLRTJpMzhvVUFod3kwZUNlVjQ4U1ctYzcyWTdjTEUxREFJeklEa05uanJ5N1B6cw?oc=5) · Loudoun Times-Mirror
- 2025-05-05 [BARBARA BRANDT Obituary (2025) - Syracuse, NE - Syracuse Journal-Democrat - legacy.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxQU1Y2NmQxOUdfcV9vNHJlWnJ1YUlzU1FCVTVPRUtvSGNjYXg2T2VxNE5qdnFid3lnUmZtdkh4WlhtOEpZcy1WZ1l1Zm1EVjFUTVFaSFBZbTZsVjg4dTh6WlY0bGlzMkVuVFNKSWNCUnNHenJ5bm9XZFJvdmJKeHhFZDF6dExMMklPYzZQTDZQSERPM1pBQzFOcA?oc=5) · legacy.com
- 2017-08-10 [Nebraska vice principal recovering after being paralyzed in Slip N' Slide accident - WOWT](https://news.google.com/rss/articles/CBMiygFBVV95cUxOU0c0bDFIdEprUy04M3JCUnVoeG9RdElwX0lMaEluRmd0YWl2N3JpNG5TWXdOb0FFb1NPeXYybUl2OUpfX3JUYVd6QnZHWFlfNlZNUjJYaU1NWThnU0FoUnA1dlp3SkV6cmx3QS1TM2swbVFpY0hJeXF0N1hMaTNvVGljeDRaN3lQYldBa280aVplUzcybzFyeEZXaGlrU2xlS2s2Qzk3RXdkY0RQRU9haVBkLVhjczJVdEFIZmkyQXZtUFNqN2kyM0xR?oc=5) · WOWT
- 2023-10-08 [Rose Brandt Obituary (2023) - Syracuse, NE - Lincoln Journal Star - legacy.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxONTlQdDc2OVpHc1BpYlc3bTBlRXYxcWlTcy1UbG5zRGxSYzVvUDNGVWM1WGxRVDJTa1pCZ1VTMzF2OUdCb3RfVmhPbmFPR2FGYXhZcGdLWXEyS0NtRXc2QV9xSjllYnBoNmtKellvdmVmcWJXZW9GcHNrMjFLMHhhcXRBUS1jRmhzLXBfT3lBSQ?oc=5) · legacy.com
- 2007-05-31 [Theda Roecker Obituary (2007) - Syracuse, NE - Lincoln Journal Star - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxQTURmcWhZSTZ5aW41enR3NkJpalBBek1SX1RQOVZqaDRtMGZ1bkYwVEp3Z0FPS0ZEbE1uaVk4SVFkSGkzYmVCWlRmRDZKemhhNUZVZm0yY1pDbjVLLWJNQnBxVkNnUlBFTEZERi1OMXhReVJNNnFibTU5MVNaZU5hblZoWlZqV3hzYUVLREExOVhtUQ?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=1438 (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/30.json (key "1438", 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