# FIRST STATE BANK
SCOTTSBLUFF, NE · FDIC certificate 15586 · asset band $300M-1B · latest filing 2021-09 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $364.6M | |
| Deposits | $299.6M | |
| Loans and leases | $199.3M | |
| Total equity | $32.9M | |
| Loans / deposits | 64.51% (p38 of band) | 70.11% |
| Liquid assets / assets | 44.51% (p72 of band) | |
| Uninsured deposits / deposits | 22.28% (p33 of band) | 26.09% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.20% (p50 of band) | |
| FHLB advances / assets | 2.20% | |
| Tier 1 leverage | 9.07% (p33 of band) | 9.79% |
| Unrealized securities loss / equity | 0.61% (p46 of band) | 0.82% |
| AOCI / equity | -1.12% (p50 of band) | |
| ROA (annualized) | 1.56% (p73 of band) | 1.18% |
| Net interest margin | 3.26% (p44 of band) | 3.35% |
| Efficiency ratio | 59.14% (p40 of band) | |
| Noncurrent loans | 0.13% (p29 of band) | 0.36% |
| Net charge-offs (annualized) | -0.13% (p2 of band) | |
| Reserve coverage of noncurrent | 2261.42% | |
| Real estate % of loans | 73% | |
| Construction % of loans | 27.42% (p40 of band) | |
| Auto loans | $2.5M (1.26% of loans; DQ 0.32%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 9.0% | |
| Employees | 71 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | wholesale funding >15% |  |
| 2014-09 | 0 |  | wholesale funding >15% |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 2 | deposits shrinking, assets shrinking |  |
| 2015-12 | 0 |  | deposits shrinking, assets shrinking |
| 2016-03 | 1 | charge-offs p90 |  |
| 2016-06 | 0 |  | charge-offs p90 |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | deposits shrinking |  |
| 2017-03 | 0 |  | deposits shrinking |
| 2017-06 | 0 |  |  |
| 2017-09 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2017-12 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2018-03 | 1 | uninsured deposits leaving |  |
| 2018-06 | 3 | deposits shrinking, assets shrinking |  |
| 2018-09 | 0 |  | uninsured deposits leaving, deposits shrinking, assets shrinking |
| 2018-12 | 2 | assets shrinking, uninsured deposits leaving |  |
| 2019-03 | 1 |  | assets shrinking |
| 2019-06 | 0 |  | uninsured deposits leaving |
| 2019-09 | 1 | capital falling |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 0 |  | capital falling |
| 2020-06 | 0 |  |  |
| 2020-09 | 2 | capital falling, charge-offs p90 |  |
| 2020-12 | 0 |  | capital falling, charge-offs p90 |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | capital falling |  |

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

- 2026-08-27 [First State Bank Breaks Ground on New Building - Olney Enterprise |](https://news.google.com/rss/articles/CBMijgFBVV95cUxPOXBvNlQtenpfNXJROEVNUUVCLTdPNWgtM2pMM0xXNzM0SjdIT0ZyQ3p3YTZPaTNlTW14LVY5c1RuRFM0Z0wzbWdzdTgyVmd4LUdxMDY0cjA2OUVYRy1DT2lZSS1fdHFOZVdsSndkNkJqU1duZTZ2dzNiSS05dUU2ZktyZXlrSERtVjdiZUF3?oc=5) · Olney Enterprise |
- 2026-07-30 [Citizens Bank of Las Cruces to merge with Socorro-based First State Bank - The Business Journals](https://news.google.com/rss/articles/CBMinwFBVV95cUxNUDlrSFhzUWx3dF85emdzT0J5Vmtyd2p5eFc5akU4QzY0QUtVcDBpdDNoQ3BZWjdZZnlKT3ZzZWZIM3BXTW1fSk93emNmRW9sRmdKWWZMNUk5VGx6N2tETEUyT0cycmpFLWkxRHFxcEt0QWpFMFFLRE5KeF9vbE1HZF9vWm5wRzBNWW5SWEVHdmlWcUdFMlRUb2Fxd2pjRmc?oc=5) · The Business Journals
- 2026-05-13 [First State Bank of Blakely names Hall, Summerlin to leadership posts - Early County News](https://news.google.com/rss/articles/CBMirwFBVV95cUxQZ1pxeE1yVmNzNGNyRnpoLWVNcTBzNGotdFdmOTg3V1dLdUZpeXRiVk9yU0VPODhDUXBELXlaZWQyZlJ5RlgxWFg3UngyTnVyUWsxcm0tSTJKNjB6N0J3S1FEZW9MbFU3RG1YXzFldmpzZ1IxYzlqZXpRdFI4eFhOWWV2VkhUYnF5V19wcUdpRzM4dEhQaDVkV1ctYnFKQkYyNHppc1pfV05WRzhwNmRr?oc=5) · Early County News
- 2026-02-24 [First State Bank welcomes Hurd and Skinner to Quitman branch - Laurel Leader-Call](https://news.google.com/rss/articles/CBMi2wFBVV95cUxQa3o1VHFhSUhfQUFEdWRJb0ZmWjdCN2VCdWtuUzJNN0pPQ1lZOHpxLWR3cHZfVTg0ZG11QkFON24zVGMtU2xCM01BS0tBSXdxX3ViOUt5UVBpNzhwVDdaVmEtaFZqOE5lTWJER2NVQlpHX2pCcFNkMUo3aUR1Z2hEUmpXNnRVRHNRT1ZuaURtSkZKV2hCRFd4UkczWlBmUEUzV3h0SUFITlAwdWVpRlZmT3NWVFI1ZzdsMXVEQ3BBTTJzelNPbmxfREdZNS1nbG54RTE2QnhQQi0tSVE?oc=5) · Laurel Leader-Call
- 2026-02-20 [First State Bank of Burnet breaks ground on new location in Plainview - Plainview Herald](https://news.google.com/rss/articles/CBMioAFBVV95cUxPdU1BcGFwZW9iN00wdnJNc2xQNUV5TVlKMXItTEtHaXhJMzFzT2dvUVNpSG1KUnZhR3M1THJwVEFYVy1EclAtZ2FxMjJHanJKTkxFdXhlYVZLaDJPQ2RZMTlMUi05NUR6MWgtdkpPZ0VjTG5vSlZTMmF4VFg1NDlEMnBQTzZvcVlOd3J4dzl3aDhMaFZXY3VwRUc5c0t6elIz?oc=5) · Plainview Herald
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2026-04-01 [New London transforms an old bank into a massive new community library - nbc26.com](https://news.google.com/rss/articles/CBMipgFBVV95cUxPM3Nlem1QU3JvMzRHSTJJZmxHUlAzRGRMSWFhQ1BxMTdwX3g0emlyQktELW9BMmlqSERoZU9UWkVuMHphS1ZXMEhWNXNZQmNNOUoycGpQYUgwT0hBS1VnWXV6YThreVE1TjVVX3pPeGxtdE9qaGU3NzhlNzFhUVZlS2xvbzBsSHpYcmw4aGNRQWNnd0JPd3kzOHFSR1ZISXhua1RPbUNn?oc=5) · nbc26.com
- 2025-10-15 [First State Bank relocates to Preston Road in Celina - Community Impact](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPZU9UdkZYVHR1UEVaa2FES05jc04zYW5BZTZMLXA3dHlUY0V2aXRMRU42ZXp3SWVjaThDZk5GX1RoMUVuWHdPS0IzNzhYeHMxVmIxUzdBbWhlZXBCZzBhbWFrZkh2RW11Q3NuUFhzbDZoQ3dxNElDWGJIVHpxbW5LRUpzdkJWUDM4WW9aUVFySTJTQTF3aHdVVXRkdkxfMkFZSVlfTzdOb3M?oc=5) · Community Impact

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15586 (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/34.json (key "15586", 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