# AMERICAN INTERSTATE BANK
ELKHORN, NE · FDIC certificate 1439 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. 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 | $132.0M | |
| Deposits | $105.3M | |
| Loans and leases | $73.5M | |
| Total equity | $26.6M | |
| Loans / deposits | 68.58% (p43 of band) | 73.59% |
| Liquid assets / assets | 43.92% (p70 of band) | |
| Uninsured deposits / deposits | 48.20% (p96 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 20.06% (p90 of band) | 11.76% |
| Unrealized securities loss / equity | 0.00% (p95 of band) | -6.57% |
| AOCI / equity | 0.00% (p78 of band) | |
| ROA (annualized) | 3.61% (p97 of band) | 1.17% |
| Net interest margin | 5.31% (p94 of band) | 3.93% |
| Efficiency ratio | 31.37% (p1 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 79% | |
| Construction % of loans | 46.03% (p77 of band) | |
| Auto loans | $167,000 (0.23% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -8.9% | |
| Employees | 10 | |

## Flags firing in the latest filing

- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## 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 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 1 | deposits shrinking |  |
| 2013-12 | 2 | assets shrinking |  |
| 2014-03 | 3 | uninsured deposits leaving |  |
| 2014-06 | 2 | construction >100% equity | assets shrinking, uninsured deposits leaving |
| 2014-09 | 0 |  | deposits shrinking, construction >100% equity |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | deposits shrinking |  |
| 2015-09 | 0 |  | deposits shrinking |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | deposits shrinking |  |
| 2016-06 | 0 |  | deposits shrinking |
| 2016-09 | 1 | capital falling |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 0 |  | capital falling |
| 2017-06 | 1 | loans exceed deposits |  |
| 2017-09 | 0 |  | loans exceed deposits |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | loans exceed deposits |  |
| 2018-12 | 0 |  | loans exceed deposits |
| 2019-03 | 1 | loans exceed deposits |  |
| 2019-06 | 4 | liquid assets <10%, deposits shrinking, uninsured deposits leaving |  |
| 2019-09 | 2 |  | deposits shrinking, uninsured deposits leaving |
| 2019-12 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2020-03 | 0 |  | loans exceed deposits, liquid assets <10%, deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2020-06 | 0 |  |  |
| 2020-09 | 2 | capital falling, uninsured deposits leaving |  |
| 2020-12 | 1 |  | uninsured deposits leaving |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 0 |  | capital falling |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2023-06 | 3 |  |  |
| 2023-09 | 4 | loans exceed deposits |  |
| 2023-12 | 3 |  | loans exceed deposits |
| 2024-03 | 4 | loans exceed deposits |  |
| 2024-06 | 1 | capital falling | deposits shrinking, assets shrinking, uninsured deposits leaving, loans exceed deposits |
| 2024-09 | 0 |  | capital falling |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 2 | deposits shrinking, assets shrinking |  |

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

- 2026-03-18 [S&P Global Market Intelligence Releases Annual Rankings of Best-Performing U.S. Community Banks, Public Banks and Credit Unions for 2025 - Investing News Network](https://news.google.com/rss/articles/CBMi8gFBVV95cUxPQ2pvakg0WldfSG9LRTRjVjlzdFh5MWRycGZWT29BLVd1UXFmTWdZdWl3bVpzaEFGUk5zOWpxN25EUnZOcWxKX25HZFlQT0F1OXo2VE01VFNZQkM3N1hjLXJkNWtNRGc1VlluSFZBOXZXdXlZXy13SVk2d0Z2X0p4NHk5aDFHLTlvQllfY0FwdnpWdnRhQlpDN0Z0d2ZUVXZrVW43S1dDM09SX3g5ZmpzN1NPSGg3aENJTExkN0xMeHdqR0xjcmNSeENhZWIyTUlVX1ExdmJ2My1UQm5rTzA3LVFaNFBoVDI5amNOTjQtbHpYZw?oc=5) · Investing News Network
- 2026-03-18 [S&P Global Market Intelligence Releases Annual Rankings of Best-Performing U.S. Community Banks, Public Banks and Credit Unions for 2025 - PR Newswire](https://news.google.com/rss/articles/CBMilwJBVV95cUxOd3FSNXI3TTA4YXh1NUlHem1wQTRBMlZpUHhXSktKSTFTdy1aSFFVcjJYbnlJYUx0V1VXOXpfVk9FdHFDNTByUEJWeWxGZHF5Y0FpeWNwMmFLZ2NISGYxOGRPVzhHbEZDYWR4aXhXQ0tvUENONDVuZVZRbFc0RVdXd2lzMWtkQmRmYUxRUDktcXQzWmRZeVloRkhJYVBGQU82MTdVbzlvS3p5cEFjcU9NQ0s1MVZQUm9wanNmZmFDVFdCeUUzVU1qeVU1ZFg5aFNrLXZPdEVzazhoNmdYUEhfOXJXNENaYXhkTmlSU0lYQ2RUYjFTdWxIV1JDb1JuZmR3WDJPbmUxeHp2cG5fX29BR01HTlAzNkU?oc=5) · PR Newswire
- 2025-05-06 [Roberta L. Engstedt Obituary May 6, 2025 - Wintz and Ray Funeral Home](https://news.google.com/rss/articles/CBMicEFVX3lxTE8xRFhhMmNLWVlyMWh4eUp2M0pJMFdBWmg0Z2pzaS1ERzR0d0p6M0NZWm1Db1JxdmJCdW5UTVI2ZV83emJkXzI1Wm1XMV9MaFZhUy1EVHJ2Qk1Ya3RkazQwLTZ3WnpYMkVlU0kyNFEzVWQ?oc=5) · Wintz and Ray Funeral Home
- 2024-11-25 [20 community banks with the highest returns on average assets as of 2024 - American Banker](https://news.google.com/rss/articles/CBMirAFBVV95cUxPamZFUzY4eHI5NVNlMkxwb2ZDR2xJX1JLb2JYLTZlekFPYXNiWVFEVVlZa0poV1k5UU9STDBmQ25hTXFaNDJKVDdtNFlhNGUyU3NrYUtJdGJKZkhiOTB3NC14aEc5ejQya1Z2Nm96cHBfeDc0em9TRHZGTjVVcDFKNno0Z2N0UkpnSTVoNG5mY2ZwdXVvOE1qRlFNbTRyTkdOTmU4azhVajU4NzN6?oc=5) · American Banker

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=1439 (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/31.json (key "1439", 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