# BANK OF DIXON COUNTY
PONCA, NE · FDIC certificate 14912 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. 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 | $141.7M | |
| Deposits | $121.6M | |
| Loans and leases | $95.7M | |
| Total equity | $18.8M | |
| Loans / deposits | 77.81% (p58 of band) | 73.59% |
| Liquid assets / assets | 30.92% (p46 of band) | |
| Uninsured deposits / deposits | 18.58% (p46 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.55% (p50 of band) | |
| FHLB advances / assets | 0.55% | |
| Tier 1 leverage | 13.29% (p66 of band) | 11.76% |
| Unrealized securities loss / equity | -5.30% (p56 of band) | -6.57% |
| AOCI / equity | 0.58% (p95 of band) | |
| ROA (annualized) | 1.64% (p74 of band) | 1.17% |
| Net interest margin | 4.10% (p59 of band) | 3.93% |
| Efficiency ratio | 50.02% (p14 of band) | |
| Noncurrent loans | 2.04% (p85 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p20 of band) | |
| Reserve coverage of noncurrent | 55.34% | |
| Real estate % of loans | 47% | |
| Construction % of loans | 11.18% (p40 of band) | |
| Auto loans | $3.2M (3.37% of loans; DQ 2.51%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 10.2% | |
| Employees | 17 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **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 | 1 |  |  |
| 2011-12 | 0 |  | reserve under noncurrent |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 2 | uninsured deposits leaving |  |
| 2012-09 | 0 |  | capital falling, uninsured deposits leaving |
| 2012-12 | 1 | reserve under noncurrent |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 2 | capital falling |  |
| 2013-09 | 1 |  | capital falling |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 | capital falling | reserve under noncurrent |
| 2014-09 | 2 | charge-offs p90, reserve under noncurrent | capital falling |
| 2014-12 | 1 |  | charge-offs p90 |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 0 |  | reserve under noncurrent |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | uninsured deposits leaving |  |
| 2017-09 | 1 | reserve under noncurrent | uninsured deposits leaving |
| 2017-12 | 0 |  | reserve under noncurrent |
| 2018-03 | 1 | charge-offs p90 |  |
| 2018-06 | 1 | reserve under noncurrent | charge-offs p90 |
| 2018-09 | 2 | uninsured deposits leaving |  |
| 2018-12 | 1 |  | uninsured deposits leaving |
| 2019-03 | 0 |  | reserve under noncurrent |
| 2019-06 | 1 | uninsured deposits leaving |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 | capital falling | uninsured deposits leaving |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | charge-offs p90 |  |
| 2020-12 | 1 |  | charge-offs p90 |
| 2021-03 | 2 | charge-offs p90 |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 1 |  | capital falling |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | capital falling |  |
| 2022-06 | 1 |  | capital falling |
| 2022-09 | 1 | AOCI drag >20% of equity | charge-offs p90 |
| 2022-12 | 0 |  | AOCI drag >20% of equity |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 3 | noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2024-03 | 3 | capital falling | charge-offs p90 |
| 2024-06 | 2 |  | capital falling |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 1 |  | noncurrent p90 |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 2 | capital falling |  |

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

- 2025-07-05 [Pauline M. Gibbs Obituary Jul 5, 2025 - Meyer Brothers Funeral Homes](https://news.google.com/rss/articles/CBMiaEFVX3lxTE81Y2YycmxwdWpneWZyNG54YnZySDJVM09zaFd3MkczVjVDbi1BYzJ2U3h2N3VwWFRweEdiR3RrazYzQm1qMG9SaUdjX3B5SFJHVWVnMFRoc2ExZHB2S2VrcjdqcTljeVZu?oc=5) · Meyer Brothers Funeral Homes
- 2024-05-25 [Sandra K. Berger Obituary May 25, 2024 - Waterbury Funeral Service](https://news.google.com/rss/articles/CBMidkFVX3lxTE5vallqSmtQUldLWGd1bmtYeTJ5ZnUtdklGTndYWEl3UEtpTVAwUDhIMk5JU0RIYXBYTHBXT0QxQk1vN016cURNZnV6WGhxOGhVUGJab3phMElPQktza1lIZWVFV0xnZHpiOGZSOFJZRFVvV2RsVEE?oc=5) · Waterbury Funeral Service
- 2014-06-26 [Ryan S. Touney Obituary June 26, 2014 - Munderloh-Smith Funeral Home](https://news.google.com/rss/articles/CBMiXkFVX3lxTE8zeFNWa3FaVXVhTDdJckdVb1RuUWRSNXRKelhoenZwSHVJMDZQRVUtN1B2NUJuelNMQWRWZDdEZXJySTJoT0ROSG5Fb0lPN1hPZk5qQ3NmcEhjTG5rSUE?oc=5) · Munderloh-Smith Funeral Home
- 2017-08-17 [Heartland Data Breach Update: Thousands of Institutions Impacted - BankInfoSecurity](https://news.google.com/rss/articles/CBMiogFBVV95cUxNWVEyRWhPeVlpYXZaX19sN1VhVk5zZ1RJb2xUMlNFUmhWdnU2c1NxVXRJcVBxYTJXM0ptVjFreVRaQjJQNkdoQmFKWmQxU3ZNMU5ROGRsbVVreFdIeUhHMmEwSjdnaHVoaDd3ZmhWQmdDX1huU3UyeFlYakxsMW1DTEJEMmVsR3BLelpjd0xENjB1eFBqOXFFcFdtc1lqVE44YlE?oc=5) · BankInfoSecurity
- 2022-08-09 [Mary Lou Pfister Obituary Aug 9, 2022 - Meyer Brothers Funeral Homes](https://news.google.com/rss/articles/CBMiZ0FVX3lxTFBZNDZMWGwxeVRxaWhzUU12SFlxS2dpV3lJaE5OT2ZmZUNmMmRGZ0xSb0xjaGJQU0NwOGwyWTFjRmpkSVlFcGw2VFJoMlJ1U2wzbFFsaW54bUNnZExzNExKUExtN2VCVW8?oc=5) · Meyer Brothers Funeral Homes
- 2022-01-16 [Francis Kingsbury Obituary (1922 - 2022) - Ponca, IA - Sioux City Journal - legacy.com](https://news.google.com/rss/articles/CBMingFBVV95cUxQLU5DRjFCSDBLeTNWVE9iQ2lqaUgycjBqa1pJWlJaN1R1X21LTzl4czFEbXVPZkxFdU5kdzNtZ2loekc4eVQzRlRwdTFfWFNHNGQxNVZNOGxmSUhFb1JKZHEtbFU5cktOWHVtQlpMNThzdlJ6enV2UU1FQURfdUg0Mjl0OXBtb3gzczBSd0FPNlFwb0p4dFhMVGJfWTN1dw?oc=5) · legacy.com
- 2008-03-01 [Don't Call Me Son - Farm Progress](https://news.google.com/rss/articles/CBMibEFVX3lxTE42R256NklPQVFqSTl5akctU1ZIelg5Zk5fYlo2UHFMRUFlRFROLTlpcEU0ak8tOVdOVEJ6ZUZRWjMyT2xrTnBrRmRSbS15VzlYdjVVV0xSU1JsRXNlS1lia01nYklyZUJ3R0hteA?oc=5) · Farm Progress
- 2022-01-13 [Francis A. "Fran" Kingsbury Obituary Jan 13, 2022 - Meyer Brothers Funeral Homes](https://news.google.com/rss/articles/CBMibkFVX3lxTFA3V0Z2VzE1RGVJd3JObkRpdXJId1dXOWJqdmtGbzlvSW5nbmdkWERXLVRJX1JRck5ZM3ZkYjh0QndDSVRlZ09QeEU3QUxkVi1IV1FOemhCZ1duYlc5NUhjUEI3S2RwbTFlOGJZMVR3?oc=5) · Meyer Brothers Funeral Homes

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=14912 (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/0.json (key "14912", 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