# CHELSEA SAVINGS BANK
BELLE PLAINE, IA · FDIC certificate 15427 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 1 (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 | $196.9M | |
| Deposits | $173.8M | |
| Loans and leases | $84.4M | |
| Total equity | $22.3M | |
| Loans / deposits | 48.24% (p18 of band) | 73.59% |
| Liquid assets / assets | 55.26% (p83 of band) | |
| Uninsured deposits / deposits | 29.83% (p81 of band) | 19.81% |
| Brokered deposits | 2.54% | |
| Wholesale funding | 2.54% (p62 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 16.01% (p82 of band) | 11.76% |
| Unrealized securities loss / equity | -56.68% (p5 of band) | -6.57% |
| AOCI / equity | -1.97% (p13 of band) | |
| ROA (annualized) | 1.75% (p78 of band) | 1.17% |
| Net interest margin | 3.49% (p29 of band) | 3.93% |
| Efficiency ratio | 44.10% (p7 of band) | |
| Noncurrent loans | 0.24% (p44 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 286.41% | |
| Real estate % of loans | 50% | |
| Construction % of loans | 21.23% (p54 of band) | |
| Auto loans | $699,000 (0.83% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -0.0% | |
| Employees | 23 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 1 |  | noncurrent p90 |
| 2011-12 | 2 | noncurrent p90 |  |
| 2012-03 | 2 | capital falling | noncurrent p90 |
| 2012-06 | 2 |  |  |
| 2012-09 | 1 |  | capital falling |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 2 | noncurrent p90 |  |
| 2013-09 | 3 | AOCI drag >20% of equity |  |
| 2013-12 | 3 |  |  |
| 2014-03 | 1 |  | noncurrent p90, AOCI drag >20% of equity |
| 2014-06 | 1 |  |  |
| 2014-09 | 0 |  | reserve under noncurrent |
| 2014-12 | 0 |  |  |
| 2015-03 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2015-06 | 3 |  |  |
| 2015-09 | 1 |  | assets shrinking, uninsured deposits leaving |
| 2015-12 | 1 | reserve under noncurrent | deposits shrinking |
| 2016-03 | 1 |  |  |
| 2016-06 | 0 |  | reserve under noncurrent |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | reserve under noncurrent |  |
| 2017-09 | 0 |  | reserve under noncurrent |
| 2017-12 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 3 | assets shrinking |  |
| 2018-09 | 1 | reserve under noncurrent | deposits shrinking, uninsured deposits leaving, assets shrinking |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 3 | capital falling, noncurrent p90 |  |
| 2020-12 | 2 |  | noncurrent p90 |
| 2021-03 | 1 |  | capital falling |
| 2021-06 | 2 | charge-offs p90 |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 0 |  | reserve under noncurrent, charge-offs p90 |
| 2022-03 | 1 | AOCI drag >20% of equity |  |
| 2022-06 | 3 | securities losses >30% of equity, assets shrinking |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 2 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  | assets shrinking |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 3 | capital falling, charge-offs p90 |  |
| 2025-06 | 1 |  | capital falling, charge-offs p90 |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

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

- 2018-01-12 [Chebelle to acquire Victor bank - press-citizen.com](https://news.google.com/rss/articles/CBMirwFBVV95cUxNenRHaWZqRC1LNVMwYVhoVk9VakQ5b2xZalA3V1hPbWVVSnJ5ZlA2amZPQ2wzeU1zUTNrT0JtUWZEWU1WaVYzdTF6azk2RXk1RzU4cENtVnVFOHFNUS1GemZBRHFyOFhwdmhUaHdSRXpIQnExT0U2N2NTRlZzbm1rLW1nYXhONUpGamQtSEdRNng5MjBUbHFVWWl6RUFQamxrVkpwRFp6Vm9BMnZkMk5N?oc=5) · press-citizen.com
- 2024-08-31 [Support mounting for new community park in Chelsea - Times Republican](https://news.google.com/rss/articles/CBMirAFBVV95cUxQdmNOampxRkttdTZzUEFDa3VZYjZkVE1CcEh4QUtJX0hidzdVdndUTHJhOUk3MHd6V3EyNVREREVkNlItcFVWTEtEcVlmaXp3TXFRS2JSQTVVYnZ0SkFlM1R6R3JLOWViNU5pRFlQcnNBaXVvQ2l3enJzTGI1MHdWUHFUU0VnVmV0QzYxRnRvajVsSmwwRi1BaHJvdE45REFLOG0zTXRxZmdIV3Ro?oc=5) · Times Republican
- 2024-11-18 [Attempt to steal ATM in Van Horne foiled, suspects flee scene - KGAN](https://news.google.com/rss/articles/CBMirAFBVV95cUxQRk44a1hUeFNjREwtNzBxckg4UkExLUtkWE41RmtHSEo5bFpOeGtNSTMxMGxfS25QdGhSWFlLM0NubzFJd19aRWsyOS1uYVc2bnpzY0stSEZWY0lRWUZYdENrQUg1WTVXY0lJeXpKazBDenVWV3RnTUdFRjhfUnVKeTg3bWdDZklGX3VjS2dyYjZsTG1rZmxYMHIyTVgwN0d5Z0FpMWV1b3Nrd2Rl?oc=5) · KGAN
- 2020-11-01 [Storybook saga: Derecho-damaged library relocates in Chelsea, Iowa - Homegrown Iowan](https://news.google.com/rss/articles/CBMilgFBVV95cUxQNXV5d0RPUlR4engxa05wVXlTSjdyV3QzWUJLR1ZQRjRfRktwYkNxWnFMLWt0WkQ0LVRlckIzZ1BBYkd0eUM5LWRDM3o2MGNVMEd1cFVrdVFhUGdWRmpucGlfY0lycnhRTVBVN0liOC1JNzhuUXZTOGI5RlhzWkNGY0xIZHM3N0tKc2JUVTRLUmNiVXlfbnc?oc=5) · Homegrown Iowan
- 2017-10-16 [Bradley W. Collum Obituary Oct 16, 2017 - Eldridge Family Funeral Homes](https://news.google.com/rss/articles/CBMiekFVX3lxTE01aFRUVFNYM0NlU0JYU2JKQ1lldnhXWEVxQkxpanNCS1BqYUpWai11ZEFQY2pGblBDMmlqTlNOb3RkVFpqZ0tWODhPVkJDU21QYXpBMnMxa29Tei1YRE11NzNCdlA0Ym0wcWNVcFRVTTJHWW10ZGdyaEpR?oc=5) · Eldridge Family Funeral Homes
- 2013-05-31 [Iowa town takes flooding in stride - USA Today](https://news.google.com/rss/articles/CBMingFBVV95cUxOMGpIQWpUWDVhanU2YklvMGVHcE5leU5UZzRkRGlla2dVQ01rOVdOV2JQQXZ3dENfRWhxdnRwLUgyX25uQ0d2YWlSdG5lQUoyR0FvdTBRRFN6Y2xoNl9wdVFfN3ctUWM3WU5SUm83ZTFUOFBsNVRTUkdDbmZSU2daSkFDaDFxbFgzUFcwTmZadlh2LURxZ1RqTDR1TmdRUQ?oc=5) · USA Today
- 2018-04-24 [Dentel reflects on career at Victor State Bank - press-citizen.com](https://news.google.com/rss/articles/CBMivAFBVV95cUxNUnRfMGtWUmR2RUpCQ0ZpZXlvZDc0bkRtdWxwSWRTNUd2UzZtM3Y2Z0JkZFZFV29pRm00VVhaY3Z3NVc0dXJMQkZXNFh5amJKejdXTDdXQXB2eEdJVFAwdHNzMnBmcDdHY0hpczJETUhpZ0QtdDZWdUwxa01RdDBGdGF0WlNnQnplTmU4LTR5WnE5dGpBcVMySUY1WHV2LTFJQU9zeWo5bUZvMk9CbGs5MjkxVjNDYmtQY28xRA?oc=5) · press-citizen.com
- 2025-07-07 [Friends testify on state of marriage during Day 3 of Karina Cooper murder trial - KGAN](https://news.google.com/rss/articles/CBMidkFVX3lxTE15X0pGc0ppUDdJakJLRk16UkhUQjdkSFQ0RmV6RFh4M2dDZ0o2WVVSZ1Z6M0xBc3lfbVJjR1dKZjB5UWYwZ2gzWkJ4Q1MzQTMtUjFwUS1WRUhxUG9USkUtaGdmMGJTY2Z0Qzl4dDZOeVN5NUJKZUE?oc=5) · KGAN

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15427 (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/3.json (key "15427", 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