# CITIZENS STB OF FINLEY
FINLEY, ND · FDIC certificate 16187 · asset band <$300M · latest filing 2021-09 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 3 (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 | $136.3M | |
| Deposits | $113.0M | |
| Loans and leases | $72.2M | |
| Total equity | $21.9M | |
| Loans / deposits | 63.88% (p51 of band) | 63.26% |
| Liquid assets / assets | 43.25% (p53 of band) | |
| Uninsured deposits / deposits | 15.94% (p38 of band) | 18.86% |
| Brokered deposits | 0.18% | |
| Wholesale funding | 0.18% (p51 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 15.57% (p86 of band) | 10.61% |
| Unrealized securities loss / equity | -1.55% (p9 of band) | 0.71% |
| AOCI / equity | -0.78% (p55 of band) | |
| ROA (annualized) | 0.33% (p14 of band) | 1.03% |
| Net interest margin | 1.65% (p5 of band) | 3.29% |
| Efficiency ratio | 78.62% (p75 of band) | |
| Noncurrent loans | 1.54% (p83 of band) | 0.32% |
| Net charge-offs (annualized) | 0.00% (p47 of band) | |
| Reserve coverage of noncurrent | 0.00% | |
| Real estate % of loans | 37% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $1.1M (1.46% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 7.1% | |
| Employees | 24 | |

## Flags firing in the latest filing

- **NIM <2.5%** (`earn_nim`)
- **reserve under noncurrent** (`aq_reserve`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | wholesale funding >15%, charge-offs p90 |  |
| 2011-06 | 4 | losing money, reserve under noncurrent |  |
| 2011-09 | 4 | capital falling | charge-offs p90 |
| 2011-12 | 3 |  | capital falling |
| 2012-03 | 2 |  | losing money |
| 2012-06 | 3 | noncurrent p90 |  |
| 2012-09 | 2 |  | noncurrent p90 |
| 2012-12 | 3 | capital falling |  |
| 2013-03 | 2 |  | capital falling |
| 2013-06 | 2 |  |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 1 |  | wholesale funding >15% |
| 2015-03 | 3 | deposits shrinking, assets shrinking |  |
| 2015-06 | 3 | wholesale funding >15% | assets shrinking |
| 2015-09 | 3 | capital falling | deposits shrinking |
| 2015-12 | 2 |  | capital falling |
| 2016-03 | 2 |  |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 3 | deposits shrinking |  |
| 2016-12 | 4 | uninsured deposits leaving |  |
| 2017-03 | 2 | noncurrent p90 | wholesale funding >15%, deposits shrinking, uninsured deposits leaving |
| 2017-06 | 2 | wholesale funding >15% | noncurrent p90 |
| 2017-09 | 4 | capital falling, noncurrent p90 |  |
| 2017-12 | 1 |  | wholesale funding >15%, capital falling, noncurrent p90 |
| 2018-03 | 1 | assets shrinking | reserve under noncurrent |
| 2018-06 | 1 | wholesale funding >15% | assets shrinking |
| 2018-09 | 2 | capital falling |  |
| 2018-12 | 1 |  | capital falling |
| 2019-03 | 0 |  | wholesale funding >15% |
| 2019-06 | 1 | wholesale funding >15% |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 | uninsured deposits leaving | wholesale funding >15% |
| 2020-03 | 0 |  | uninsured deposits leaving |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 2 | NIM <2.5%, uninsured deposits leaving |  |
| 2021-09 | 3 | reserve under noncurrent |  |

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

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16187 (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/59.json (key "16187", 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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