# BELLEVUE STATE BANK
BELLEVUE, IA · FDIC certificate 14415 · 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 | $187.7M | |
| Deposits | $156.5M | |
| Loans and leases | $128.2M | |
| Total equity | $25.4M | |
| Loans / deposits | 80.89% (p64 of band) | 73.59% |
| Liquid assets / assets | 30.16% (p44 of band) | |
| Uninsured deposits / deposits | 23.14% (p62 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.48% (p62 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 14.32% (p73 of band) | 11.76% |
| Unrealized securities loss / equity | -5.53% (p55 of band) | -6.57% |
| AOCI / equity | -0.80% (p33 of band) | |
| ROA (annualized) | 2.21% (p90 of band) | 1.17% |
| Net interest margin | 4.02% (p55 of band) | 3.93% |
| Efficiency ratio | 35.96% (p2 of band) | |
| Noncurrent loans | 0.16% (p39 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p21 of band) | |
| Reserve coverage of noncurrent | 741.23% | |
| Real estate % of loans | 63% | |
| Construction % of loans | 8.03% (p35 of band) | |
| Auto loans | $3.2M (2.48% of loans; DQ 0.19%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 4.7% | |
| Employees | 14 | |

## 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 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | uninsured deposits leaving |  |
| 2014-09 | 0 |  | uninsured deposits leaving |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | loans exceed deposits |  |
| 2017-12 | 0 |  | loans exceed deposits |
| 2018-03 | 1 | loans exceed deposits |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | capital falling |  |
| 2019-06 | 0 |  | loans exceed deposits, capital falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | reserve under noncurrent |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 0 |  | reserve under noncurrent |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 2 | capital falling, charge-offs p90 |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 0 |  | capital falling, charge-offs p90 |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 0 |  | capital falling |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 1 | charge-offs p90 |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 | deposits shrinking | charge-offs p90 |
| 2023-12 | 0 |  | deposits shrinking |
| 2024-03 | 1 | capital falling |  |
| 2024-06 | 0 |  | capital falling |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2024-08-28 [BSB marks 90 years: Public celebration with live music and food set Sept. 4 - bellevueheraldleader.com](https://news.google.com/rss/articles/CBMi-AFBVV95cUxNRnlJNUtMeHlCbXFFVl9NWTVoN0VLcjREemVUTXh4dUgzdWxQbjlvcjVtUm1DaWktaXdiWGl0UVNISmM1S2NONFNycVNfNzQ0YXFQZ0dNWjZnMkZkT05keVNBb0ZPdmRibmd3b2FRcXpLN3BPS2o5Zm1YWnM4T0l3U09ockR6dl9TRnpyd3R0WWpSZ204SGNGTUVQVmNXUEc1RzNIUUlobDk0ZUlJc2QyRHJkS2xXamFuQjNBRkszekpqQ3hfN3ZKUDQxOW55SVkzWXpJZ2ozb1MyNW01YlVBU0VjM0tKLUdVeGtjWlRveTlxNVhNdjFncg?oc=5) · bellevueheraldleader.com
- 2021-09-22 [Google Pay growth continues to explode, with dozens upon dozens of new banks signing on - androidpolice.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxQRjVBSkRYUnhSaHFFUTJvZGt2X0R0RnZtcWp6MUUtQjR3R3RXNmc1Umo4Q3NaV0VKVVpsYTRCSVkzb0dfdmhWS05ZWnpQYWh6d3gzc0VVVzBCYXM0MnBCbG9kekdMdnBfZk9selhhTkhDV2pCMGxUNXVlNG5wMmpodURVQWxjanVxT0VhYQ?oc=5) · androidpolice.com
- 2026-08-18 [Chloe Elizabeth Scholtes Obituary (2026) - Bellevue, IA - Hachmann-Mier Funeral Home & Cremation Service - legacy.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxPa09zZ0xaUGJuRlN1dkhrN3M2cDlLU09ERHYzV2lrc2FHTFFfLXNYWXJfQ1JacmtseFB5QVVUbkJWdmZzOFE2LUpmWkVhLVNNTkVlencxbERUck1tZERxaEthR2JKcTA3R1lsWS11QTBTNTBLLXJjeU9CUzkydGd2bFhiRQ?oc=5) · legacy.com
- 2026-09-09 [Bellevue Ducks Unlimited Chapter honors members at annual banquet - bellevueheraldleader.com](https://news.google.com/rss/articles/CBMi7gFBVV95cUxOMkZiaEdMbUp4NEJFVVVHZVdVR2J0QjM5bHVRanIxbDZqa280amRRTEdyS2lkRG1KVW12OGZVNjVDek5yUVZ3aVBoaXgyQUZTYWlUdVYtQnI0R0I0Q3lObkZLeWVTNU9Jbk5KRFNJTzdoUExNdnhLZ2c3bXcwMjVzVDQ5MTdyVVRKUzB0WVVfWDNtOUExS08ta3h2Q0NQYk42c1QtbFNfbkM1a0xxUDh2VDBIMGVrUUV2Z1VveXJRQkxMYXRoZ0xHaXJMZVQxbVJoUUtjUDFzRE8xa1U3UXdnTDd2Vkx6YWlCUXpJUXNR?oc=5) · bellevueheraldleader.com
- 2021-05-28 [Lester M. Michels Obituary (2021) - Bellevue, IA - Hachmann-Mier Funeral Home & Cremation Service - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxQWWxwWUNRNy1NYnk0M0dDMmNURXY2dThfZVdkbUFPVV83S0RVTExueTRXVUVwUzdoOEZyd1ZWZFc2OU5Tb0ZrUDAxMWIwUmEtQl93UHc4bGY0bFhOSDBKZ3FSQ05ROVhkYWp4QmZQZ1ZIT0p1TWtOTTdmU01hVnRzSmtR?oc=5) · legacy.com
- 2026-07-20 [Thank you for making Veterans March a success - bellevueheraldleader.com](https://news.google.com/rss/articles/CBMi1wFBVV95cUxORlFxV1NqajFMQXpwbHdMRzlqa1UxT0ZUVFowZjUzckJ5c20xN1dqdjVVOE1USmhtTEtxVFM3NEdENFNTSTQ0bmdkbmJ0ODd4S0xHRUZQWURCWk1ZeHFPc0ZYRGw5MFVoVzRZLU53N3hDZlExNXlqRVh5dTVCeThPYm12YWVoY096cG1Mbm5lbkJWOHRQSHNUbmw5M3o3Z0cxcmczalUwbmFMWG5wWVdlNG5qcnZmdlVGWTdvMVBMTlBaMzNPd05rWEdFZ2k0QkNtbzJCX1FrZw?oc=5) · bellevueheraldleader.com
- 2024-10-16 [Jackson County—now is your only chance! - bellevueheraldleader.com](https://news.google.com/rss/articles/CBMizgFBVV95cUxQenc1OGhFVHpyNWtCUEtqVjk5ZUJ4SUlPNzVRVXNQSGN1dS1MVnJ2OUdQbERGOGd1N1ZIaTNwTi1DQjkwYk15Zy1Ma0JVREZvLW9NYWhXcUV2cXg2YTRVZmZaMnQwcEl0Sy1oRFlrckNPazlPQU5HZ0dvNW5qZUxGWi1uVFpkRVN0eHlKLWdGYkNMVk0xTUgtMGFJN3FfRUZjOWNvTzFSQm9aSkhVT3pKWThGOG9ydDBFa2dUcHdiQzA4b3Nid3lCVlhPMUlCdw?oc=5) · bellevueheraldleader.com
- 2025-10-01 [New Cole Park pool designs: Friends group hopes to put measure on ballot in 2026 - bellevueheraldleader.com](https://news.google.com/rss/articles/CBMigAJBVV95cUxQdFQtR2V0N3gtTDdoeDJJZzZrdkNaR0FRTVNqS0ZOdjhyZk1QRW5ZYVVoOTRGbWNTTC1DZjFZRTNVX3lmTkVXVldWTW9GaGdXSzRadGZCd2xweVN5REl5ZE9PdXUyS21Bdml3dHFBaF94NmRDdzlOLVVkUEExVjBwMm8yeFhJQTE1cUhJUWEzb0EtdTNhVm45RDY1OUw0WmdpaFlkbkcyUGFVazJFaUJBYUVuMlczV01KN1VJMGV0dmdWSlhkd0FzR2p5Y1diRUUxY1pMa3JfN1F2dWh3OURCNnRoLUFKOGc1VDgxQmpubUFpTGEtSHJYaUh5N1ViQWNQ?oc=5) · bellevueheraldleader.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=14415 (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/15.json (key "14415", 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