# CLARKE COUNTY STATE BANK
OSCEOLA, IA · FDIC certificate 14980 · asset band <$300M · latest filing 2018-06 · stopped filing (departed)

**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 | $106.1M | |
| Deposits | $94.3M | |
| Loans and leases | $79.3M | |
| Total equity | $11.4M | |
| Loans / deposits | 83.20% (p62 of band) | 76.78% |
| Liquid assets / assets | 20.58% (p28 of band) | |
| Uninsured deposits / deposits | 18.58% (p64 of band) | 15.22% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p19 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.44% (p38 of band) | 11.19% |
| Unrealized securities loss / equity | -1.61% (p60 of band) | -2.38% |
| AOCI / equity | -0.69% (p62 of band) | |
| ROA (annualized) | 1.09% (p56 of band) | 1.00% |
| Net interest margin | 3.72% (p46 of band) | 3.78% |
| Efficiency ratio | 59.81% (p24 of band) | |
| Noncurrent loans | 0.21% (p33 of band) | 0.57% |
| Net charge-offs (annualized) | 0.02% (p65 of band) | |
| Reserve coverage of noncurrent | 502.37% | |
| Real estate % of loans | 69% | |
| Construction % of loans | 43.92% (p75 of band) | |
| Auto loans | $1.1M (1.33% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 1.1% | |
| Employees | 19 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 | charge-offs p90 | noncurrent p90 |
| 2012-06 | 2 |  |  |
| 2012-09 | 1 |  | reserve under noncurrent |
| 2012-12 | 2 | reserve under noncurrent |  |
| 2013-03 | 1 |  | reserve under noncurrent |
| 2013-06 | 0 |  | charge-offs p90 |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | capital falling |  |
| 2014-09 | 0 |  | capital falling |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 2 | assets shrinking, uninsured deposits leaving |  |
| 2015-12 | 0 |  | assets shrinking, uninsured deposits leaving |
| 2016-03 | 1 | assets shrinking |  |
| 2016-06 | 0 |  | assets shrinking |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |

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

- 2018-04-10 [Community Bank Helps Foster Future Leaders with Support of ‘Leader In Me Program’ - Send2Press](https://news.google.com/rss/articles/CBMisgFBVV95cUxNWFJTbFFRQlhiNmowZ1RhbDVyZzdNc2xTaTFDX1lDUFRxYWRWbXlUTDhKZHZVUWtHdDN3Ykx0WDJDaDZ0T1RtM3haUTBnUnh3X1VSMXBaUG1YZl9JLXJhWTQ2UHA5N0ZwbzR0ZF9BOVBReUMtNXJDeGVleDluTHluNUw5ODRlRlBDY3BNdjJHU1U2dEk5WWVpSlh6OW9YWGRlX0lCVGxnbkdkbTJFZElkZ25R?oc=5) · Send2Press
- 2016-01-28 [Daniel B. Engler Obituary Jan 28, 2016 - nicklasdjensenfh.com](https://news.google.com/rss/articles/CBMiaEFVX3lxTFBnNEhzWlJ2VWp4X0VlWmoyYTFyVVduZmJOb2VJc1ZQUUdTUGdSQmRseVZIT2RmcGQ4d3pUTnE5OUxnSFlwM2FEZTlGbzc5aGh2RmxHSFhzV245a2g1YzFRcmNjSUpHRE5K?oc=5) · nicklasdjensenfh.com
- 2022-04-30 [Denis Kale Obituary - The Des Moines Register](https://news.google.com/rss/articles/CBMiZEFVX3lxTFBRQnowMzRRNlZObGlYTjg4dml0a1FDMXRuR3ZHRDhYcXgyaHBDWTRXZ2VHd0c0NEl3bDl4N0JScTRhZ2d0NGkteEwxb0U0bVk0YU9neTRpM1N1V20yejM4WEhRN1I?oc=5) · The Des Moines Register
- 2026-03-28 [Anne Kerns Obituary (2026) - Chariton, IA - Pierschbacher Funeral Homes - Chariton - legacy.com](https://news.google.com/rss/articles/CBMifkFVX3lxTE1jYVc4bDREVml6WUU4aFN1VEhGYUcwcjdXZ2dyYktwR0lGdWtXdlFHQmIzaG4yNWs1UU5MRDFqRWV5c0I1NXd0X2xkS1JoMmVZWEktMUF2dl94aUw4dDdhT29JUnhRYVhONGQ3LXVERFRVYWtRTkcweGVNeUxOQQ?oc=5) · legacy.com
- 2026-02-26 [Virginia Louise Clark Obituary (2026) - Osceola, IA - Kale Funeral Home - Osceola - legacy.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxQalptUXAyZkVQcS1JSFNaZ3lKd250TjRtMnQ0VDJjNUNMeTJaYjd3Wk9kWG5aNEdJdXVKRXhLUjBDeXpnd2tMUDJaaTMtY0hIeUFiYXVvekNsZDN5R05vLTFOZHpMOEVpeVBobmRTdUpkdXJ0cHJpdzJCZ0RzQjZkS1pzaw?oc=5) · legacy.com
- 2016-09-15 [Evelyn Nebergall Obituary (1927 - 2016) - West Des Moines, IA - the Des Moines Register - legacy.com](https://news.google.com/rss/articles/CBMingFBVV95cUxOTW9jWWVFTmFXZm1ucGZ2ZldQbEV5RERrcFZHQXg2MjY0bzBnSjFUQXZYam93U01XSDNBQzRVRjVPS0NNWlU4WDFsSkhablBBMnRYa2N3d0dmTFFSNGxsQ0NNQ2RDUEN6STQ5UWpCdzA1SGg0NmlVSXUzZU9NRlNOUjJaNUtFQjBMRkVmVlVxM08teEg3a2hKd2wxUWtQZw?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=14980 (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/4.json (key "14980", 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