# STATE BANK OF OSKALOOSA
OSKALOOSA, KS · FDIC certificate 16205 · asset band <$300M · latest filing 2015-06 · stopped filing (departed)

**Verdict on the desk:** this could be *auto lender*. Composite score 2 (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 | $29.6M | |
| Deposits | $27.2M | |
| Loans and leases | $7.2M | |
| Total equity | $2.4M | |
| Loans / deposits | 26.24% (p4 of band) | 72.67% |
| Liquid assets / assets | 74.67% (p96 of band) | |
| Uninsured deposits / deposits | 14.39% (p56 of band) | 13.36% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p17 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.01% (p7 of band) | 10.53% |
| Unrealized securities loss / equity | 0.00% (p38 of band) | 0.18% |
| AOCI / equity | 0.00% (p69 of band) | |
| ROA (annualized) | 0.04% (p8 of band) | 0.82% |
| Net interest margin | 2.09% (p4 of band) | 3.60% |
| Efficiency ratio | 98.50% (p92 of band) | |
| Noncurrent loans | 0.72% (p49 of band) | 0.74% |
| Net charge-offs (annualized) | -0.01% (p22 of band) | |
| Reserve coverage of noncurrent | 153.85% | |
| Real estate % of loans | 71% | |
| Construction % of loans | 0.00% (p7 of band) | |
| Auto loans | $727,000 (10.08% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 6.0% | |
| Employees | 9 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | NIM <2.5% |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2012-06 | 4 |  |  |
| 2012-09 | 4 |  |  |
| 2012-12 | 3 |  | uninsured deposits leaving |
| 2013-03 | 1 |  | deposits shrinking, assets shrinking |
| 2013-06 | 1 |  |  |
| 2013-09 | 2 | expense ratio p90 |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 | capital falling | expense ratio p90 |
| 2014-06 | 3 | expense ratio p90, uninsured deposits leaving | capital falling |
| 2014-09 | 2 |  | uninsured deposits leaving |
| 2014-12 | 2 |  |  |
| 2015-03 | 3 | capital falling |  |
| 2015-06 | 2 |  | capital falling |

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

- 2017-03-13 [Larry C. Bowser Obituary Mar 13, 2017 - Mercer Funeral Home](https://news.google.com/rss/articles/CBMiakFVX3lxTFBmUTZPbVNieFhjdVpHSHpnT0g2Z0JvUUEyUzlkTVhfZ1JLSERTOHBWblVrWnlzTWFhZjdNb0g3RmgxS3l6Z2ExbkdsbE1xU2lISERsSHRYdUtMVzVSak96b19nbmgzdmp6UHc?oc=5) · Mercer Funeral Home
- 2022-10-05 [Patricia Ann "Tricia" (Peek) King - The Topeka Capital-Journal](https://news.google.com/rss/articles/CBMiW0FVX3lxTE45ZHRfeEpxY2pieEIyRURUN2F1MUhjNjNjNXItNzMyMXFqSXR0WWhUVnpmU1c3RkpDdVlVMktKa0NiaDZyOUgyTWY1V3ZMNDNfQXdPcjVsbGg3aW8?oc=5) · The Topeka Capital-Journal
- 2021-11-03 [Brian Matthew Pullen Obituary (2021) - Oskaloosa, KS - Barnett Family Funeral Home - Oskaloosa - legacy.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxPOWN3TVV2UzQ5RUp2d3NpdGZ6RXlRRjZtS01XcFVWakpFbkVlMUFPQXVrOXNjN3lCdUNVNlQzaDNEanN5SmJTb05ZRGhwZ3BMZU5IemNHRWtuUEhDU3JQVlRHaUlJai02YjdRUFF0eVgtOHBuZ3RHMzdnZkxQS01Deg?oc=5) · legacy.com
- 2003-11-16 [Paul Gump Obituary (2003) - OSKALOOSA, KS - Topeka Capital-Journal - legacy.com](https://news.google.com/rss/articles/CBMihwFBVV95cUxNQ1JvdzU3X2hkNnB0Mk5FVEt0WFFGV0dWM1YzOFRQWkJ5aFVYUkZQSklFeWdoR2hrREJHVlRiQmxkSVBMS2NTdERrWHhhNThHTUhaNHBBSjc4bFlpMThiNlZ6TUdHb2RkSHZKTWtIa3BPZ3Y0RWhVSWlmTUZGcDlkbUU3dDVVWTA?oc=5) · legacy.com
- 2007-09-11 [Jacqueline Coleman Obituary (2007) - Topeka, KS - Topeka Capital-Journal - legacy.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxPZjVuaDlETl9HczBybkxSQ0ZmWlh6V1RvaEpYbFRrXzRIU2pmTnp1dmhkU1BkYUlBVDlXV1RTUFMxUS1oV3ByNER3TFd6ZjdnWlNWazlaLUdJN0VudDEycU5xMFk0NEY4bld1Z1I1OUN0SXFtU1ZReDJuRWl6Y2tjSWJ3dElHNmVrVTU3VWVELUZEcFhz?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16205 (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/13.json (key "16205", 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