# WEST BANK
WEST DES MOINES, IA · FDIC certificate 15614 · asset band $1-10B · latest filing 2026-06 · live

**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 | $4.03B | |
| Deposits | $3.35B | |
| Loans and leases | $2.95B | |
| Total equity | $378.1M | |
| Loans / deposits | 87.11% (p50 of band) | 87.10% |
| Liquid assets / assets | 21.85% (p53 of band) | |
| Uninsured deposits / deposits | 49.50% (p90 of band) | 30.76% |
| Brokered deposits | 2.74% | |
| Wholesale funding | 9.44% (p62 of band) | |
| FHLB advances / assets | 6.70% | |
| Tier 1 leverage | 10.79% (p56 of band) | 10.50% |
| Unrealized securities loss / equity | -24.69% (p14 of band) | -7.75% |
| AOCI / equity | 0.49% (p92 of band) | |
| ROA (annualized) | 1.19% (p44 of band) | 1.26% |
| Net interest margin | 2.78% (p9 of band) | 3.70% |
| Efficiency ratio | 46.33% (p15 of band) | |
| Noncurrent loans | 0.00% (p2 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p14 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 82% | |
| Construction % of loans | 86.07% (p81 of band) | |
| Auto loans | $83,000 (0.00% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | -1.3% | |
| Employees | 190 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | brokered >10%, wholesale funding >15% |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 1 |  | brokered >10% |
| 2012-03 | 1 |  |  |
| 2012-06 | 2 | brokered >10% |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 3 | capital falling |  |
| 2013-06 | 2 |  | capital falling |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 3 | construction >100% equity |  |
| 2015-03 | 3 | capital falling | construction >100% equity |
| 2015-06 | 3 |  |  |
| 2015-09 | 3 | construction >100% equity | capital falling |
| 2015-12 | 3 |  |  |
| 2016-03 | 3 |  |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 4 | capital falling |  |
| 2016-12 | 3 |  | capital falling |
| 2017-03 | 3 |  |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 3 |  |  |
| 2017-12 | 3 | capital falling | construction >100% equity |
| 2018-03 | 2 |  | capital falling |
| 2018-06 | 0 |  | wholesale funding >15%, brokered >10% |
| 2018-09 | 1 | capital falling |  |
| 2018-12 | 1 | construction >100% equity | capital falling |
| 2019-03 | 1 |  |  |
| 2019-06 | 2 | capital falling |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 | wholesale funding >15% | capital falling |
| 2020-03 | 1 |  | wholesale funding >15% |
| 2020-06 | 2 | capital falling |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 1 |  | construction >100% equity |
| 2021-03 | 1 |  |  |
| 2021-06 | 2 | construction >100% equity |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 1 |  | capital falling |
| 2022-03 | 1 |  |  |
| 2022-06 | 2 | securities losses >30% of equity |  |
| 2022-09 | 5 | uninsured deposits >50%, wholesale funding >15%, AOCI drag >20% of equity |  |
| 2022-12 | 4 |  | uninsured deposits >50% |
| 2023-03 | 5 | capital falling, NIM <2.5%, deposits shrinking | construction >100% equity, AOCI drag >20% of equity |
| 2023-06 | 5 | construction >100% equity | deposits shrinking |
| 2023-09 | 6 | loans exceed deposits |  |
| 2023-12 | 5 |  | loans exceed deposits |
| 2024-03 | 6 | brokered >10% |  |
| 2024-06 | 5 |  | brokered >10% |
| 2024-09 | 5 | brokered >10% | capital falling |
| 2024-12 | 3 |  | wholesale funding >15%, brokered >10% |
| 2025-03 | 4 | wholesale funding >15% |  |
| 2025-06 | 4 | uninsured deposits >50% | wholesale funding >15% |
| 2025-09 | 2 |  | securities losses >30% of equity, uninsured deposits >50% |
| 2025-12 | 2 | uninsured deposits >50% | NIM <2.5% |
| 2026-03 | 0 |  | construction >100% equity, uninsured deposits >50% |
| 2026-06 | 0 |  |  |

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

- 2026-09-08 [UK unveils sanctions on illegal Israeli settlements in occupied West Bank - weareiowa.com](https://news.google.com/rss/articles/CBMi7gFBVV95cUxOd05QbXA5Q0x4UWFrRU1qVkFXYkJVd1BlTWszZFhCS2F1blItQzVLSF9SdTRDVEdGcFlzZnhtV1hYSFh0c3RLcElLbGROR2NPSmNpSkpWOHpNODVwVzNiY0hiSGwwNHBYWjlQdTY4bmlsVWV2SXo1Z3lNMzdacEZ4R21QTVFrb0NPMk9FTWpMVlhiR1lpQ1hNQW5HdkRYMnJVWmk1ZmRWSzltdTdpRF83ZU9LeTJyWUEtMWdxdkNGQThydlVLQmM0XzI3SEJwQzJNLU41Z1hKamJQTUR3eE1ZVjhZdTBjX2FRQUdLbFBR?oc=5) · weareiowa.com
- 2026-08-18 [Palestinian American returns to his West Bank home, under siege by Israeli settlers - Iowa Public Radio](https://news.google.com/rss/articles/CBMi1gFBVV95cUxPOURUZWJnSnVSYVFodnpwVUNkdHpabkxMRXB0SjdfWEdzSUZaZjZmSTc2WnlrTW51Q0JaQlBKN24zTXZJVWlqZEJhNGF1NjNSajZfdkM4ZTRzbFNKY2hTc1A4LThuVkM3Vld2STlVaXFZN0ZnZ2Nkc3A3WkQxMlJnMFY3TEpBRW1uSGFvQWQ5Z3dHQkdHeVlsbEZhSVBjSlptSTlfazNkYTctNV9wb0RoMXBVY2NmdGtoRmNWdWU0RXlWeDktVVpOSWFBLUc2VEhwT0ZMalR3?oc=5) · Iowa Public Radio
- 2026-08-26 [Bank Midwest - The N'West Iowa REVIEW](https://news.google.com/rss/articles/CBMitwFBVV95cUxNVE9XaF9XdTVzcUY0bWg1WFBJODFLUHVOcXFsZnl1eHduOEt3TE5meXFFVnJXNUN6cFdnQXJRaHFtREZGOGN2QkNuWGplRzlYcTZmQi03SFo5OTdUUXVFY3p5dVd6QzFwS2hMQWwzZTNFMUw1YWtZTmFES0JHS1ZXdjBZRlhHSVVYNm5YSm1QVDdTZjIwVFZ1c00xNVhZeDBOVlU3Z2dCVFhPY3c4a1NuS2htcGdkNkk?oc=5) · The N'West Iowa REVIEW
- 2026-08-27 [Photos of Palestinian potters preserving a 400-year West Bank tradition - Ottumwa Courier](https://news.google.com/rss/articles/CBMigAJBVV95cUxOaTF0Z1B1azVQWGUzZ0ZSWVgzRUJhZGhBNWJHU2ZoVDNINFlwcFctdVpYUy1Gc1JhRUxUTjNtVHZ0RFJIY0pxWjZHbTJVemc2NmlvWEFNYjdvM3o1MVZBV2xSSHg1eE9uNEZ5QkplUGFrX0FwSnVySWdYZWJKT3UtaVdsWUVyMUFfV2VyYlJRMkxQaUNSV3dHYXVEQTR1RXFjRk15LXRTaTJxX1ZWOUx3OUNnT1pNaHlyLWtZdGRTRnNJRkxSbmZGNW9zTXI0X3NEVVhRbXFQbU1hdDBma1VZN0g0MWluczR4Mlg4QzRoQlA4MFl0S3BvZVpXSks4QXJa?oc=5) · Ottumwa Courier
- 2026-06-19 [What's closed on Juneteenth in Iowa? Check banks, post office, stores. - The Des Moines Register](https://news.google.com/rss/articles/CBMi1gFBVV95cUxNT2RVVS1mSnF3dHBzdXZlWmR5MmdndEVzaUdPRzBfR2Mwd0JtRXN3VGFOdWRkQmFFMXpXbGVfN3kzdnNKMFBnUmN3MHV2Q25lNVl4dV9HUnAzTEZLMzI2Umh2aFNRVF9la1N2NEVLNzJ5cEw0SDZPdE5yTlpYZ3dIMXVOc0l5OVZMUVZ4TE9LeUxSS2ptTThYTHBnM2FxWGo2Q2JBNTBMZVkxc1NDYVNHbUpkbmxhRy1NSlVFSlJXVVh0WkhLLWJrOUp3S1dsTWJpOVFiLVFB?oc=5) · The Des Moines Register
- 2026-06-15 [Lynn Rowat Obituary - The Des Moines Register](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE96bDFtY2FsZEZVS1diUFB4eF9zbmg3MXhuNDFiT2dRUWx5MU1QNkVNdDZkYjU2T1B0dHBwdkJtMmNYX005QVpCWHJkNUJFRlpITHktR3VEejV6VTJwTDlDOUFDcExDVWc?oc=5) · The Des Moines Register
- 2023-03-31 [West Bank recognized as a top-performing community bank - Corridor Business Journal](https://news.google.com/rss/articles/CBMijgFBVV95cUxPR2Q1azRGaHlSQUU5ZVNyR3RBT1MtbUlpTlRvVGVPaThuMkFsTURXSEFRSWtfcURnSHozYlVkNXB3VzNGa1hpMzhHRkNJQnpGODZQVWpHQ3U1MmdYLXBfVnRsUWVwMUZfZDdWVE1zX3dza1pUN3FYSDNreW9qOGpXRnpPbDFaSEQ2QlNhZGdB?oc=5) · Corridor Business Journal
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15614 (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/62.json (key "15614", 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