# DUBUQUE BANK&TRUST CO
DUBUQUE, IA · FDIC certificate 15219 · asset band $1-10B · latest filing 2023-09 · stopped filing (departed)

**Verdict on the desk:** this could be *run candidate*. Composite score 5 (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 | $1.88B | |
| Deposits | $1.72B | |
| Loans and leases | $931.6M | |
| Total equity | $120.6M | |
| Loans / deposits | 53.79% (p6 of band) | 85.93% |
| Liquid assets / assets | 44.98% (p92 of band) | |
| Uninsured deposits / deposits | 61.37% (p97 of band) | 30.10% |
| Brokered deposits | 2.16% | |
| Wholesale funding | 2.34% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.66% (p42 of band) | 10.02% |
| Unrealized securities loss / equity | -79.57% (p10 of band) | -23.75% |
| AOCI / equity | -7.66% (p10 of band) | |
| ROA (annualized) | 1.10% (p58 of band) | 1.00% |
| Net interest margin | 2.67% (p19 of band) | 3.27% |
| Efficiency ratio | 59.56% (p40 of band) | |
| Noncurrent loans | 0.95% (p86 of band) | 0.30% |
| Net charge-offs (annualized) | 0.03% (p68 of band) | |
| Reserve coverage of noncurrent | 88.72% | |
| Real estate % of loans | 54% | |
| Construction % of loans | 49.76% (p41 of band) | |
| Auto loans | $4.7M (0.51% of loans; DQ 0.34%, NCO 0.00%) | |
| Loans to nondepository financials | $38.8M (32% of equity) (p96 of band) | |
| Deposits YoY | -7.0% | |
| Employees | 79 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **securities losses >30% of equity** (`cap_secloss`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | wholesale funding >15% |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 2 | capital falling |  |
| 2012-12 | 1 |  | capital falling |
| 2013-03 | 1 |  |  |
| 2013-06 | 2 | reserve under noncurrent |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 3 | charge-offs p90, deposits shrinking, assets shrinking | wholesale funding >15%, reserve under noncurrent |
| 2014-06 | 4 | wholesale funding >15% |  |
| 2014-09 | 3 |  | assets shrinking |
| 2014-12 | 1 |  | deposits shrinking, wholesale funding >15% |
| 2015-03 | 1 | capital falling | charge-offs p90 |
| 2015-06 | 1 | wholesale funding >15% | capital falling |
| 2015-09 | 0 |  | wholesale funding >15% |
| 2015-12 | 2 | wholesale funding >15%, uninsured deposits leaving |  |
| 2016-03 | 3 | reserve under noncurrent |  |
| 2016-06 | 3 | noncurrent p90 | uninsured deposits leaving |
| 2016-09 | 2 |  | wholesale funding >15% |
| 2016-12 | 4 | capital falling, assets shrinking |  |
| 2017-03 | 3 | expense ratio p90 | capital falling, assets shrinking |
| 2017-06 | 3 |  |  |
| 2017-09 | 4 | wholesale funding >15% |  |
| 2017-12 | 5 | charge-offs p90, deposits shrinking | expense ratio p90 |
| 2018-03 | 4 | expense ratio p90 | charge-offs p90, deposits shrinking |
| 2018-06 | 3 |  | expense ratio p90 |
| 2018-09 | 3 | capital falling | wholesale funding >15% |
| 2018-12 | 3 | uninsured deposits >50% | capital falling |
| 2019-03 | 3 |  |  |
| 2019-06 | 4 | wholesale funding >15% |  |
| 2019-09 | 4 | capital falling | wholesale funding >15% |
| 2019-12 | 3 |  | capital falling |
| 2020-03 | 3 |  |  |
| 2020-06 | 4 | capital falling |  |
| 2020-09 | 3 |  | capital falling |
| 2020-12 | 3 |  |  |
| 2021-03 | 3 |  |  |
| 2021-06 | 4 | wholesale funding >15% |  |
| 2021-09 | 4 | capital falling | wholesale funding >15% |
| 2021-12 | 4 |  |  |
| 2022-03 | 6 | wholesale funding >15%, AOCI drag >20% of equity, NIM <2.5%, charge-offs p90 | noncurrent p90, capital falling |
| 2022-06 | 4 | securities losses >30% of equity | reserve under noncurrent, wholesale funding >15%, NIM <2.5% |
| 2022-09 | 4 |  |  |
| 2022-12 | 4 | assets shrinking | charge-offs p90 |
| 2023-03 | 4 | brokered >10% | AOCI drag >20% of equity |
| 2023-06 | 6 | noncurrent p90, reserve under noncurrent, deposits shrinking | brokered >10% |
| 2023-09 | 5 |  | noncurrent p90 |

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

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15219 (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/51.json (key "15219", 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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