# BANK OF ELGIN
ELGIN, NE · FDIC certificate 16154 · asset band <$300M · 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 | $87.3M | |
| Deposits | $74.7M | |
| Loans and leases | $58.1M | |
| Total equity | $12.1M | |
| Loans / deposits | 76.71% (p56 of band) | 73.59% |
| Liquid assets / assets | 30.60% (p45 of band) | |
| Uninsured deposits / deposits | 20.52% (p53 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.17% (p47 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.54% (p67 of band) | 11.76% |
| Unrealized securities loss / equity | -0.68% (p81 of band) | -6.57% |
| AOCI / equity | -1.14% (p24 of band) | |
| ROA (annualized) | 2.34% (p92 of band) | 1.17% |
| Net interest margin | 4.37% (p71 of band) | 3.93% |
| Efficiency ratio | 46.29% (p9 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 52% | |
| Construction % of loans | 25.32% (p60 of band) | |
| Auto loans | $350,000 (0.60% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 13.4% | |
| Employees | 9 | |

## Flags firing in the latest filing

- none

## 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 | 1 | capital falling |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | uninsured deposits leaving |  |
| 2013-03 | 0 |  | uninsured deposits leaving |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2015-12 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 0 |  | capital falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | deposits shrinking |  |
| 2018-09 | 0 |  | deposits shrinking |
| 2018-12 | 0 |  |  |
| 2019-03 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2019-06 | 1 | assets shrinking | deposits shrinking, uninsured deposits leaving |
| 2019-09 | 1 |  |  |
| 2019-12 | 0 |  | assets shrinking |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 2 | capital falling, NIM <2.5% |  |
| 2022-06 | 0 |  | capital falling, NIM <2.5% |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 1 | capital falling |  |
| 2024-06 | 0 |  | capital falling |
| 2024-09 | 0 |  |  |
| 2024-12 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2025-03 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | capital falling |  |
| 2026-06 | 0 |  | capital falling |

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

- 2024-06-16 [Dean Sylvester Henn Obituary Jun 16, 2024 - Levander Funeral Homes](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE95Um1PQmRVS0tKNEpkdzJ0cW5HdzV4X3RxS1dabVhqSWlFTHVqX2V0MWxLZlRwaTFJOERvc3hCVDNhZG1uaExFNHVkX3QtaFA5Wi0ycjF0M3JWUUhpektWVVVsTFlwc3M?oc=5) · Levander Funeral Homes
- 2025-11-04 [Wayside Ministries wants to convert old Elgin bank into transitional housing - Chicago Tribune](https://news.google.com/rss/articles/CBMikgFBVV95cUxNbmlOTFJFcTdTVXVzRGxrc2ZKdERqdkNQanVDVGx5ZkZ5eE9qSldIVk1WSEFqTU5pa0tFeFF0X1lNWGdySGxHV1JySE5TbTRqbll1eU9LSDBDcm5idkowOVpuTGZYbHZrZEpnc1JNcDFoa01WZ1pFdzFKVnpyT3FmX0R2dnRRS3liMlpTN0gyZ1NHZw?oc=5) · Chicago Tribune
- 2025-06-01 [A 1935 Elgin bank heist ended in a hail of bullets and arrests: Oklahoma history - The Oklahoman](https://news.google.com/rss/articles/CBMirgFBVV95cUxOdVRxa0FXTEJDUERmektoWFlXa0tnTGdwLU02cFFqWEJUUXEwSXp2d2stMzNrdFNaNU9sb1ptRkxZaE5CNXJ3ek9XMmRyMmJrTElZZjZlR0t0NEZvUXNNQkRZSXgwRnUyTUdQYXNPOF9GRmtRdmhEZUc0MHR0SkYybU1abnp0MjZwRm1CaTlfZXgzbWRQTGxHeXJEUWF2dU85Z0FfYXJNZGo3WWUtVmc?oc=5) · The Oklahoman
- 2013-05-09 [Liberty National Bank Holds Open House, Grand Opening of Downtown Facility - KSWO 7News](https://news.google.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?oc=5) · KSWO 7News
- 2016-09-26 [50 years ago: Elgin National Watch tower demolition - Daily Herald](https://news.google.com/rss/articles/CBMinwFBVV95cUxNcUk4QnVXbXJGc1dEeW9odFpzQ3ViTkloa3FtSTJ1WGFnWjh0SFJaeWs4OU4yVFlpRm9IY1ZfaDRhSEdWak5lV0cxeUY0Szk5Ni1YMEx2a2RLMEkxWk11T3pkTHZUajF2dGp2RTByUUo2WEdKZW4wRHNiLXRIZmR0Zm44MHRMeDgxTXFQRlVLZVl1bC1rNnc3dURzU0lka3c?oc=5) · Daily Herald
- 2023-05-09 [Accumulated trash along the east bank of Elgin’s Fox River to be scooped up Saturday by volunteers - Chicago Tribune](https://news.google.com/rss/articles/CBMi1wFBVV95cUxQanpmcW1IUUwtaERUMXJJVTV0QVNOOFRnYWVtdmVITDNKeUo1cnkxeUp0VzJRYnFlaXExT2NzSWJKVWJ2WldnS0h4RU16MTBhWS13aXd5a0FlcGlyY0ZRTGI3UFg1MXc5OFpDQks2X0VOMHJfdW41anVjcGxPUW9YWkk4QUdGeGduYnJwNGc1a1EyUTA3QVVLS2x6SmM1MjZRam5kNUJKdWtDUXNOSFhzQ1F2X3JpbXJuNUlFTVQwYlVlNFRJWFlOek9RQXJTM2V2M3hJd2prdw?oc=5) · Chicago Tribune
- 2010-09-16 [Robbery suspect shot in Rochester had Mankato ties - Mankato Free Press](https://news.google.com/rss/articles/CBMi4wFBVV95cUxNeHktcmpKaGhOODdyUy1XNzFXbHpUODJYLUlkc2I2VWZzS1NlUEROSUlkY2JHMzNvUXROaFEwSGltUjFLMFFwaDUtdk14LVdDakpkSVZmWENUNW80SzhjYlNFblpVcUs1UXlqbS1uNU5nWmJaUDlhUGwzdFY1a3phLTQ1V1N4a3p1UEJaM3B2bE1zWE9fbnlYUWhCQmpFUExiUjZqUzhLVWg2TmUxNHBlcHREb0otYUxKOHNwLThlSWlWWVc3SlZaajNadHc4ZGktcXFWUTREcmUxeExUM3I3NmIzaw?oc=5) · Mankato Free Press
- 2025-01-09 [Travis George Dozler Obituary (2025) - O'Neill, NE - Biglin's Mortuary - O'Neill - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxNcmRvcjh4amVNWFBSalZEMzR0NjlVVE9VcUdlbFBlLW5lM2c1Wmplc2dKSjNvY1EzWk5kYlhOM1pULU9qb0kwZnNoaUJtZGJCbHNid2ZMM3d6RGhwTTIyalhrTlpsZW4zU3lqanJSS2dWa0Z6VkFPRXlYSjR4dUdEeGN3?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16154 (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/26.json (key "16154", 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