# BANK OF BERTRAND
BERTRAND, NE · FDIC certificate 15267 · asset band <$300M · latest filing 2012-12 · 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 | $47.2M | |
| Deposits | $39.3M | |
| Loans and leases | $21.8M | |
| Total equity | $6.0M | |
| Loans / deposits | 54.96% (p26 of band) | 68.02% |
| Liquid assets / assets | 53.28% (p81 of band) | |
| Uninsured deposits / deposits | 11.97% (p66 of band) | 8.86% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 4.12% (p63 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 14.67% (p89 of band) | 10.05% |
| Unrealized securities loss / equity | 1.42% (p34 of band) | 3.01% |
| AOCI / equity | -0.12% (p34 of band) | |
| ROA (annualized) | 0.56% (p37 of band) | 0.76% |
| Net interest margin | 3.03% (p16 of band) | 3.75% |
| Efficiency ratio | 73.74% (p51 of band) | |
| Noncurrent loans | 0.19% (p20 of band) | 1.21% |
| Net charge-offs (annualized) | 0.02% (p31 of band) | |
| Reserve coverage of noncurrent | 512.20% | |
| Real estate % of loans | 22% | |
| Construction % of loans | 0.00% (p7 of band) | |
| Auto loans | $785,000 (3.60% of loans; DQ 3.31%, NCO -0.02%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 27.1% | |
| Employees | 8 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | losing money, expense ratio p90 |  |
| 2011-06 | 0 |  | losing money, expense ratio p90 |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 0 |  |  |

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

- 2026-02-09 [KRVN 880 – KRVN 93.1 – KAMI - Darlene Rae (Renken) Samuelson, Age 83 - Rural Radio Network](https://news.google.com/rss/articles/CBMickFVX3lxTE5UcnhJZVF6TjFwNjFpbTVFeXhvZVJZQmJZSzVLYWRsSERyUFNlaVFrTjZ1WERYT3cySkZycVhBdF96NmVzaFlONTJTekVWOUU5VHVQT2NEVjIwaGdNY2VSRTBKZjlfa2NlUTVkYmtaLWVFdw?oc=5) · Rural Radio Network
- 2019-04-16 [Joy D Bennett | 1944 - 2018 | Obituary - Nelson-Bauer Funeral Homes](https://news.google.com/rss/articles/CBMiWkFVX3lxTE1PbmlLQ1JuQzRIV3l2ZlRsS1pRa0RaQXFpQXNrY1hocGtDN3UydzVQS05uU2doUThKMXY4ZUdlbTRDSWxMbXV3TzFsdG1Ha1BlWDFHYXZlWGdBQQ?oc=5) · Nelson-Bauer Funeral Homes

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15267 (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/35.json (key "15267", 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