# TILDEN BANK
TILDEN, NE · FDIC certificate 15774 · asset band <$300M · latest filing 2020-12 · 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 | $92.0M | |
| Deposits | $82.2M | |
| Loans and leases | $58.2M | |
| Total equity | $8.6M | |
| Loans / deposits | 69.51% (p53 of band) | 68.14% |
| Liquid assets / assets | 34.66% (p43 of band) | |
| Uninsured deposits / deposits | 15.49% (p40 of band) | 17.85% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p22 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.07% (p23 of band) | 10.68% |
| Unrealized securities loss / equity | 1.48% (p39 of band) | 2.41% |
| AOCI / equity | -2.32% (p1 of band) | |
| ROA (annualized) | 0.65% (p32 of band) | 0.92% |
| Net interest margin | 3.68% (p60 of band) | 3.52% |
| Efficiency ratio | 76.03% (p65 of band) | |
| Noncurrent loans | 0.00% (p19 of band) | 0.43% |
| Net charge-offs (annualized) | -0.01% (p12 of band) | |
| Reserve coverage of noncurrent | 52450.00% | |
| Real estate % of loans | 68% | |
| Construction % of loans | 0.00% (p8 of band) | |
| Auto loans | $1.2M (2.12% of loans; DQ 0.65%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 12.5% | |
| Employees | 18 | |

## Flags firing in the latest filing

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

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 3 | loans exceed deposits, liquid assets <10% |  |
| 2011-12 | 1 | capital falling | reserve under noncurrent, loans exceed deposits, liquid assets <10% |
| 2012-03 | 0 |  | capital falling |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 1 | charge-offs p90 | capital falling |
| 2013-09 | 1 |  |  |
| 2013-12 | 0 |  | charge-offs p90 |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | uninsured deposits leaving |  |
| 2015-03 | 0 |  | uninsured deposits leaving |
| 2015-06 | 1 | charge-offs p90 |  |
| 2015-09 | 0 |  | charge-offs p90 |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | capital falling |  |
| 2016-06 | 1 | deposits shrinking | capital falling |
| 2016-09 | 1 |  |  |
| 2016-12 | 0 |  | deposits shrinking |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 0 |  | capital falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | capital falling |  |
| 2018-06 | 0 |  | capital falling |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 2 | deposits shrinking, assets shrinking |  |
| 2019-06 | 0 |  | deposits shrinking, assets shrinking |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |

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

- 2026-07-07 [Carroll Gustman - The Norfolk Daily News](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNbHpDcDVSallwNUJaMG9wZ3dFSDhiVENWTV9PalJTbHM1N2dMUU5KbVlhVnV1RjRmdG15TGd1MWVmYjRSSDhWUUFhMGxuekFUNVhkeF9nSjQtc0pnR2NRd3JsYV9Dc01kVzd2bzFJem9PRmRRaThfQUJ2TlNRMGVZTEx0WnN1ZTZwMmhhWjI4aDU0YzVUSlJTRzdqel9fRlR5UTBPS3V4TDQ?oc=5) · The Norfolk Daily News
- 2013-11-02 [CEO: Rebranding positions Southwest Bancorp for growth - The Oklahoman](https://news.google.com/rss/articles/CBMiwAFBVV95cUxNSnQ2blpYZ3k4VGU0blU2OWtSLUVjUW14a1BDOThRV0ZtTmZQMWJhVXVoVzVoRzF4czFTRnFEdFZpZU9ocDVlTlhJTWw2R3VWN0dNajg4WWk0WUwxM2tNcTJKUENXeGxJcmZuSnA0TEpUaW16S2FDaU5GRHNMQkJLbERXdERibFNFenY2aTB0NFBkVE9yUGpWekRXREl6QjdFbWpDcl9oVnRXWDRmbXZPc2FESGRJRnFrM2YtMzlrR3M?oc=5) · The Oklahoman
- 2019-04-24 [Obituary for Thomas E. Brogan - Home for Funerals](https://news.google.com/rss/articles/CBMiaEFVX3lxTE9uY29UODlrbkRSY2tELUNTdG5tRmVsaGs2d21CUF9iSWUxei04M3pFQnVtb1dGRzhId2dXM2Z5YWhoNFVsS1BoYmZ5ZWZHekFwajdraUJDUnpmVWFfekQ3Y0RjOWcxYUl5?oc=5) · Home for Funerals
- 2023-04-26 [Margaret Jean Christiansen Obituary (2023) - Clearwater, NE - Beyer Snider Memorial Funeral Home - Neligh - legacy.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxPMHAyenFGRDVkdkZrdUJkcXdza1UzaVNEY2JXdkk0X29ORnJzM0prREphMjF1b0FOTGthbFRSQWJGZ3p0M0cyNzBlUjllSWhsdzI2bUFkdXJZWkFNQWlOTXQyZ2ZNM1dOSFdyei0ybXlCeHVReFpJcUtLR19ZbG5ldmpWZ1pqZzFzbWRvOA?oc=5) · legacy.com
- 2013-10-03 [Stillwater National Bank name to change - The Oklahoman](https://news.google.com/rss/articles/CBMirgFBVV95cUxOaWdheEdhcjlYd1BiSU5KRHVtVUxhbURTWE5pd0kzb2xSWWtRdkpaLW4wSnNiWkJ6TFhtVjN3T0M1ejVXVjhpdWhyRDFJZlAzZ04yZWJNdWw2eE9VMEg1WTFBTzNHTGRjVlpSZVY2cE1nRW9sejAza2JyVmpLV2lkZzExSEJzeGRDVllaRkRKajQ3b2lzam5jU2VDMkJwNV9xcGF3NVdHbjBRVUZUWlE?oc=5) · The Oklahoman
- 2018-11-07 [Obituary for Doyle W. Busskohl - Home for Funerals](https://news.google.com/rss/articles/CBMiakFVX3lxTE9oU1ZFODBzdXdRLXRTN1ZienZHS2xyQ0lJZE1CVWJfbzd2bFNsLS1QVFBiWmN6Ml8xbXhjTTZTNWxVbVVCR01TWWQzRjBNcE94NXl4cVZ6aHZJREhIYi1PUm5uajUydkQ1a1E?oc=5) · Home for Funerals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15774 (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/30.json (key "15774", 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