# DANVILLE STATE SAVINGS BANK
NEW LONDON, IA · FDIC certificate 14772 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $182.6M | |
| Deposits | $159.0M | |
| Loans and leases | $106.9M | |
| Total equity | $22.7M | |
| Loans / deposits | 66.62% (p40 of band) | 73.59% |
| Liquid assets / assets | 37.34% (p59 of band) | |
| Uninsured deposits / deposits | 12.70% (p23 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.38% (p57 of band) | 11.76% |
| Unrealized securities loss / equity | -10.80% (p38 of band) | -6.57% |
| AOCI / equity | -1.41% (p20 of band) | |
| ROA (annualized) | 0.89% (p34 of band) | 1.17% |
| Net interest margin | 2.99% (p12 of band) | 3.93% |
| Efficiency ratio | 71.44% (p64 of band) | |
| Noncurrent loans | 2.27% (p88 of band) | 0.36% |
| Net charge-offs (annualized) | 0.66% (p98 of band) | |
| Reserve coverage of noncurrent | 40.91% | |
| Real estate % of loans | 82% | |
| Construction % of loans | 8.88% (p36 of band) | |
| Auto loans | $2.5M (2.38% of loans; DQ 0.55%, NCO 0.03%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 3.1% | |
| Employees | 41 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | capital falling |  |
| 2011-12 | 1 |  | capital falling |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 2 | capital falling |  |
| 2012-12 | 1 |  | capital falling |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 2 | noncurrent p90 |  |
| 2013-12 | 2 | AOCI drag >20% of equity | noncurrent p90 |
| 2014-03 | 2 | capital falling | AOCI drag >20% of equity |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 | noncurrent p90 | capital falling |
| 2014-12 | 1 |  | noncurrent p90 |
| 2015-03 | 2 | noncurrent p90 |  |
| 2015-06 | 1 |  | noncurrent p90 |
| 2015-09 | 1 |  |  |
| 2015-12 | 2 | noncurrent p90 |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 3 | NIM <2.5% |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 2 |  | NIM <2.5% |
| 2017-12 | 4 | deposits shrinking, uninsured deposits leaving |  |
| 2018-03 | 3 | NIM <2.5% | deposits shrinking, uninsured deposits leaving |
| 2018-06 | 3 | deposits shrinking | NIM <2.5% |
| 2018-09 | 3 | assets shrinking, uninsured deposits leaving | reserve under noncurrent, noncurrent p90 |
| 2018-12 | 2 | reserve under noncurrent | assets shrinking, uninsured deposits leaving |
| 2019-03 | 4 | NIM <2.5%, assets shrinking |  |
| 2019-06 | 2 |  | deposits shrinking, assets shrinking |
| 2019-09 | 3 | capital falling |  |
| 2019-12 | 3 | noncurrent p90 | capital falling |
| 2020-03 | 3 | charge-offs p90 | noncurrent p90 |
| 2020-06 | 4 | capital falling, noncurrent p90 | charge-offs p90 |
| 2020-09 | 5 | charge-offs p90 |  |
| 2020-12 | 3 |  | noncurrent p90, charge-offs p90 |
| 2021-03 | 3 |  |  |
| 2021-06 | 3 |  |  |
| 2021-09 | 3 |  |  |
| 2021-12 | 3 |  |  |
| 2022-03 | 4 | noncurrent p90 |  |
| 2022-06 | 3 |  | capital falling |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 4 | deposits shrinking, assets shrinking | NIM <2.5% |
| 2023-06 | 5 | uninsured deposits leaving |  |
| 2023-09 | 6 | securities losses >30% of equity |  |
| 2023-12 | 4 |  | assets shrinking, securities losses >30% of equity |
| 2024-03 | 5 | NIM <2.5%, charge-offs p90 | deposits shrinking |
| 2024-06 | 4 |  | uninsured deposits leaving |
| 2024-09 | 4 |  |  |
| 2024-12 | 3 |  | charge-offs p90 |
| 2025-03 | 2 |  | NIM <2.5% |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 1 |  | noncurrent p90 |
| 2026-06 | 2 | charge-offs p90 |  |

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

- 2025-06-25 [Coach, players reflect on 50th anniversary of Bearcat baseball regional championship - nwmissouri.edu](https://news.google.com/rss/articles/CBMiggFBVV95cUxQdE5xM296UmJEQ3JnN015QmRMaElOdWlDSWUxTV9lYWJPNng5TlRBQWpkVFRydkM0TE1lZ01GVktjU2JNRnFQdUtnWEo1UlNUc1htSDJ6b0NieXNxY1ltVjM5TV81bVpGS0hLZnJ6XzFudUV1UUE0dFpYMzRReG1qMDN3?oc=5) · nwmissouri.edu
- 2007-09-07 [Mary Smith Obituary Sep 7, 2007 - Olson - Yoder Funeral Home](https://news.google.com/rss/articles/CBMiX0FVX3lxTFBLcUY5Zk9raXdfaTVwWFZtUFJuWllyWnBoXzdqTnNGamY5d3NRRnlRMEtHcE51YU9LTTBoekJiMVV4QnI1NUU0NGJ6dzFCMlF5QklWcUM5WTJhV0cwdkIw?oc=5) · Olson - Yoder Funeral Home
- 2019-09-22 [Sleepy Hollow has a new Bailey at the helm - The State Journal-Register](https://news.google.com/rss/articles/CBMimgFBVV95cUxQV092dDQ2emFIeTVzUkFkdlBLeEEwSXZwZ0Y2MkQ2cC1SU1MxT045NEdsdU5UblRnQnNMN3hIc1lrNHhJOE5DUEpDVWZ5aTJsaDY3dHNyQ3ptYVNGaFVUNU9nTjhkNnloNTkyWkRzVGw0cnl1STJVU0w2a3k0bUpHTVcyekxuUXl3enZjUTY4dE5tVGhKYktaQmRB?oc=5) · The State Journal-Register
- 2016-04-17 [Houston-Orth - Beaver County Times](https://news.google.com/rss/articles/CBMikAFBVV95cUxOdFNxcF9pTjNhS1hFb3ZIdDRfTzlwNnAzbnp4dHcwQTFHWExQdUNpN3ZmbnZEcjRISnEyZ0szNkFpRFNIeVFZb1dDOVMzcEhSV1NCbEJ1cFlGczNpdEZULS1Bek9mVzBQNDVBYm9NVGlRdU4xS2s4REtsSi1Wd2VIbzhGX2xkVng3MWl3eGRtbGY?oc=5) · Beaver County Times
- 2025-09-24 [Popular beer brand and brewery files Chapter 11 bankruptcy - thestreet.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxOS2FnellsTUFhZWZDLXF5cHFnUDhIUHBGQlFKSGVwZGVDUEhXRTdNSEJjQU5VYmpOc3Z2TDNGWW1CV1hGcm5uT0FPVHJ4djJfOVBrV0F6aTFiSThOSF9EaGNKaWVFWEhZMDdhVVhQS05rVnZDbm11WWtQdk1nc09DRGZtVXJmYXN6c3Z5RlVfdUhXT3puWGlzaTNR?oc=5) · thestreet.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=14772 (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/52.json (key "14772", 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