# PCSB BANK
CLARINDA, IA · FDIC certificate 14522 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $326.1M | |
| Deposits | $294.0M | |
| Loans and leases | $179.4M | |
| Total equity | $30.4M | |
| Loans / deposits | 60.34% (p13 of band) | 82.04% |
| Liquid assets / assets | 42.61% (p86 of band) | |
| Uninsured deposits / deposits | 18.67% (p24 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.09% (p56 of band) | 10.81% |
| Unrealized securities loss / equity | -23.09% (p19 of band) | -8.10% |
| AOCI / equity | 0.86% (p94 of band) | |
| ROA (annualized) | 0.91% (p27 of band) | 1.28% |
| Net interest margin | 2.91% (p8 of band) | 3.91% |
| Efficiency ratio | 69.63% (p72 of band) | |
| Noncurrent loans | 0.25% (p37 of band) | 0.43% |
| Net charge-offs (annualized) | 0.01% (p55 of band) | |
| Reserve coverage of noncurrent | 450.11% | |
| Real estate % of loans | 67% | |
| Construction % of loans | 7.60% (p11 of band) | |
| Auto loans | $5.7M (3.19% of loans; DQ 0.17%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 1.0% | |
| Employees | 41 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | capital falling |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 1 |  | capital falling |
| 2012-12 | 1 |  |  |
| 2013-03 | 3 | capital falling, charge-offs p90 |  |
| 2013-06 | 2 |  | charge-offs p90 |
| 2013-09 | 0 |  | reserve under noncurrent, capital falling |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | reserve under noncurrent |  |
| 2014-06 | 2 | capital falling |  |
| 2014-09 | 1 |  | capital falling |
| 2014-12 | 0 |  | reserve under noncurrent |
| 2015-03 | 2 | capital falling, reserve under noncurrent |  |
| 2015-06 | 0 |  | capital falling, reserve under noncurrent |
| 2015-09 | 1 | reserve under noncurrent |  |
| 2015-12 | 0 |  | reserve under noncurrent |
| 2016-03 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2016-06 | 1 |  | reserve under noncurrent |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 | reserve under noncurrent | charge-offs p90 |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | reserve under noncurrent |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | reserve under noncurrent |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | capital falling |  |
| 2019-06 | 4 | noncurrent p90, charge-offs p90 |  |
| 2019-09 | 2 |  | capital falling, noncurrent p90 |
| 2019-12 | 1 |  | reserve under noncurrent |
| 2020-03 | 0 |  | charge-offs p90 |
| 2020-06 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2020-09 | 0 |  | noncurrent p90, reserve under noncurrent |
| 2020-12 | 0 |  |  |
| 2021-03 | 2 | capital falling, charge-offs p90 |  |
| 2021-06 | 1 |  | charge-offs p90 |
| 2021-09 | 2 | noncurrent p90, reserve under noncurrent | capital falling |
| 2021-12 | 0 |  | noncurrent p90, reserve under noncurrent |
| 2022-03 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 4 | AOCI drag >20% of equity, deposits shrinking, uninsured deposits leaving |  |
| 2023-12 | 2 | NIM <2.5% | AOCI drag >20% of equity, deposits shrinking, uninsured deposits leaving |
| 2024-03 | 1 |  | NIM <2.5% |
| 2024-06 | 1 |  |  |
| 2024-09 | 4 | capital falling, noncurrent p90, reserve under noncurrent |  |
| 2024-12 | 2 |  | noncurrent p90, reserve under noncurrent |
| 2025-03 | 3 | charge-offs p90, reserve under noncurrent | capital falling |
| 2025-06 | 2 |  | charge-offs p90 |
| 2025-09 | 1 |  | securities losses >30% of equity |
| 2025-12 | 0 |  | reserve under noncurrent |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2023-12-18 [Gov. Reynolds Appoints James Johnson as Superintendent of Banking - Governor Kim Reynolds (.gov)](https://news.google.com/rss/articles/CBMirgFBVV95cUxOcUtqVkVTT0swZEhFR01mOWpzcTdTWWlDclRubzRUSnduV3ZxbEc5SjFBMWFyLVBZMVk3dDFhU085Yk1nZll1RmptNTl3Y0kya25tSGlwdEVlN2RjQ3BFM1lkVW1zMGtja2w2aFhoUHJaZjIyRlRoQXJEeFhSMzRNV3VJdEV5bjVCcVg2Q3EtYnpRQk4xTnZ6T2M0bVFUUzFDdVVRZUN3SWZhOEFwVGc?oc=5) · Governor Kim Reynolds (.gov)
- 2014-04-07 [Interactive bank tellers help rural banks expand service - The Des Moines Register](https://news.google.com/rss/articles/CBMisgFBVV95cUxQV1Vub2g3UW5lY0pKeEotUGRNZ2RBVGZ0c29lTzJsb2xoclFwSkJfS3IwaDdrTU1xaTR3aUVZUFQ3NlJvVUtsTnROTGZPMEhmblR6ckVVaWR2RTV2dzNIbnRVZW4wQ0hGaXNaMzBYb2NQMTFWV2gyQk8wb0ZMSVdZOXdSbnZRZ3hMQ3ZTVnVFSFJBNndXbDNtU0ptV0padTA4SUQySVlTRUlUZmRxbExlN213?oc=5) · The Des Moines Register
- 2023-12-18 [Southwest Iowan to be next State Banking Superintendent - Radio Iowa](https://news.google.com/rss/articles/CBMimAFBVV95cUxPN21Hd3BjeHBhdEVvbWlNcTQ3SWNNSTg1Y1FaNHNsSEduQU0zVmpjNnQ2UmxGNlAyRzV2RkZGUjlEcGRIVUtLaUJzNGFzQmVacUEyLTZPY3FfTERXWUxNMUJQWEx1cjZjX1phaEViNzliNl9oMmpjU0trWktjdUV0aE1Wd0tvV3JRX1ZveF8zYXg4WTBlQlRqQw?oc=5) · Radio Iowa
- 2024-12-17 [Berkshire, Brookline ink $1.1B merger - Banking Dive](https://news.google.com/rss/articles/CBMif0FVX3lxTE1QR05xNGdzNGdtMGtKNjE2UU5xTFRmMGtEbmdnbF81azNoVXNNX1pvN3JBU3ZWN1BsNURsYzgwMWZvLUcwVXZHUWp3NWs3VE1udWM0Q0d3anQzNjNQZVFuMFo2cjJoZGItQXBnVEdsYXVZNGN6TnVUU0hvY3F4WmM?oc=5) · Banking Dive
- 2025-09-28 [Rice family of Maryville is Northwest’s Family of the Year - nwmissouri.edu](https://news.google.com/rss/articles/CBMidkFVX3lxTE1PWWRaX3RvR3M5bXJOY2I1SkhkUHZqNVZpUlpQUnZHWjVxN19IREtLZWRwV2RhckdrNnRwNmdLbHB2LS11ZHZ3VHB1ZGhFTTRBMjJOeDRZYzhNbDFhamFHOGJjMzhlWHdtX2dWcVJTQUhvOHR5SUE?oc=5) · nwmissouri.edu
- 2024-01-01 [Iowa’s state banking superintendent retires - Radio Iowa](https://news.google.com/rss/articles/CBMihwFBVV95cUxNbzdRU1V4c3JwX0JRbjMyalVCbDVTenBqQ29NTDBReUdieHFRTlh0OXdPVllaWFJ1ZlAydUlNTVBHYURHMTJZMGlYTGdNTllMdGZKRC02X3hUelBPVldwZkQzWlN3a3Rlczh1d3pzcE9nN2JTeWRtZ1NkN1dOM2pIZVVjRllPMkU?oc=5) · Radio Iowa
- 2019-09-28 [Clarinda celebrates downtown milestone - KMAland.com](https://news.google.com/rss/articles/CBMiuAFBVV95cUxQck14WUpaT1VuRWlzQm42NUtkQ1dJbF9FRmdRdm1MXzkzWUVzb0RxRUhzTGVlZm4wb21GVTRuZm9idFpPOVJfVDltOTFwc3V0WGk0T3p1c0M4MHVGUlVZN0tLRlI4MDhIZm9nRkpXTGU5WEVkeFRJZDFISVNVeDIzM0trNmFXdjFiUUZDNHVHQWxBeWF0QjRib3pVZFdaZFZ6S0JTSmJyZEhvNkxzdEg0Z1VxTkplM2RM?oc=5) · KMAland.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=14522 (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/58.json (key "14522", 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