# WEST LIBERTY STATE BANK
WEST LIBERTY, IA · FDIC certificate 14573 · asset band <$300M · latest filing 2015-03 · stopped filing (departed)

**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 | $89.7M | |
| Deposits | $73.2M | |
| Loans and leases | $25.0M | |
| Total equity | $12.0M | |
| Loans / deposits | 33.81% (p7 of band) | 70.43% |
| Liquid assets / assets | 67.82% (p93 of band) | |
| Uninsured deposits / deposits | 23.99% (p84 of band) | 13.33% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 4.82% (p68 of band) | |
| FHLB advances / assets | 4.46% | |
| Tier 1 leverage | 10.79% (p55 of band) | 10.49% |
| Unrealized securities loss / equity | 4.67% (p81 of band) | 1.32% |
| AOCI / equity | 1.00% (p69 of band) | |
| ROA (annualized) | 1.12% (p70 of band) | 0.80% |
| Net interest margin | 2.68% (p10 of band) | 3.57% |
| Efficiency ratio | 57.46% (p13 of band) | |
| Noncurrent loans | 0.63% (p45 of band) | 0.77% |
| Net charge-offs (annualized) | -0.05% (p9 of band) | |
| Reserve coverage of noncurrent | 191.14% | |
| Real estate % of loans | 74% | |
| Construction % of loans | 6.49% (p34 of band) | |
| Auto loans | $587,000 (2.34% of loans; DQ 0.51%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 7.4% | |
| Employees | 13 | |

## 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 | 0 |  | reserve under noncurrent |
| 2011-12 | 0 |  |  |
| 2012-03 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2012-06 | 2 | noncurrent p90 | charge-offs p90 |
| 2012-09 | 3 | capital falling |  |
| 2012-12 | 2 |  | noncurrent p90 |
| 2013-03 | 2 | NIM <2.5% | capital falling |
| 2013-06 | 2 |  |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 | charge-offs p90 | NIM <2.5% |
| 2014-06 | 1 | deposits shrinking | reserve under noncurrent, charge-offs p90 |
| 2014-09 | 0 |  | deposits shrinking |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |

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

- 2025-02-05 [West Liberty State Bank donates to Muscatine County Fair project - North Scott Press](https://news.google.com/rss/articles/CBMi2AFBVV95cUxOV2FVNUtLazN1c3lMVEtDWm82VUJRc1B0d0xPMFd3SmlDYy1aZzJOQVBpSkl1VnU5cG5OOUpWTzhMeGlEMGFaa24xRU4zMGYwMndTSEJXLUR3Um02cG5MZ3BQT1V6YXlTWUlCV1d1YWtNbm1fd1VTNTZsTXlrM09RVDlMV184X194WWt5aklFVFBvU1N1czVWMDdnOFllQUlMeWl3RzVCbTVlX0RieDhBOWVWeEoybFBUSk5LSjZZenk1MHRTaWdoOGExQzYtQmh3TFhwbHBlLVE?oc=5) · North Scott Press
- 2018-12-28 [West Liberty banker promoted - Ottumwa Courier](https://news.google.com/rss/articles/CBMitAFBVV95cUxNWUY2X1JNVzhaZnRZdmNhZXF5MG5DU3BmcWRDaEFNNVdYSFpVNWJ0ZXZnRjhuaVFMVlJWd2JIcTlVM0VITUpBLWMzN2d1ZjVmemRtck9kdVJxaU5nR0ZKZFVJaFFBQzJ2M0x4U3NtdzV2d09kWTBnUG9hRnRYMXduTVpFeVJWNFFwS3JnV0txVUJHdkN0QVBtQW9SdE05SllQaVNKNnk5bkR2WFh2cVNnZG5QZkQ?oc=5) · Ottumwa Courier
- 2022-09-12 [Thomas Brooke Obituary (2022) - West Liberty, IA - The Muscatine Journal - legacy.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxPaUl1MXlIRzNBeDhrNWMxQ3Z0VzFza1l4bkR6VnkzOFNNVENra0hIZnlaZ1hIVDg5NEVzVzB4U0lmWmtfdG9LU1pneXV2emptdWRrRUZ6MFh0T0hnaW1kQ2lHZjhEMkU1V0tJc2NqcVBvRTVRSGhOSjdlQzYwYXlZeDJHM3BDeG8taGZaN3g0TmRfaktxTmNsZg?oc=5) · legacy.com
- 2019-08-29 [Latinos bienvenidos? - Corridor Business Journal](https://news.google.com/rss/articles/CBMiXkFVX3lxTE1qdldfRlpxbTB6TVoxazFNQ2I3ODJpaTN5NDh4TkFxRnZNelRveWpDZXJraEJSZUJyMXNQekNud1BjbHh0UktVcXhFN1NnZWw3NDdqc3RseGFqbjdJS1E?oc=5) · Corridor Business Journal
- 2024-01-03 [Beverly Blair Obituary (2024) - Muscatine, IA - The Muscatine Journal - legacy.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxOSjNBZDczeG14V3R6dmJPcjRMdXQ5elVsMllYYjJFWWIxNGk4R3JySUgyc3p4UGU5VGEzaVRvSXVpY0VhOFNhMlQtWXRWOUR5MDFYRXlUMU45ZjhVLVBic1RhVmE3ZTRzbE9EeEpMSlQwTngxUkNBZzMwMl9VakhWSjhNLThTb2F1bkpiM1ZpSTExMUkzUUU0eQ?oc=5) · legacy.com
- 2025-06-13 [Carl F. Geertz Obituary (2025) - West Liberty, IA - Henderson-Barker Funeral Home - legacy.com](https://news.google.com/rss/articles/CBMif0FVX3lxTE51c1dYbEgxX3BMX1hoLWw5R2ZiS1JlSTR5YnR2ck9ibXhnZzRMZ29wQ2tIcTBPWXA3VFVXSmVKTUJMYjJEODlONko5bTZvWVUweEQ3X0VXcUVFcUI4RFdNeFItVjhZLUJNM2p0NE9xdkVZOW9PMU5DdE10ekhUSVU?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=14573 (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/45.json (key "14573", 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