# BATTLE CREEK STATE BANK
BATTLE CREEK, NE · FDIC certificate 16330 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. 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 | $71.0M | |
| Deposits | $61.0M | |
| Loans and leases | $55.8M | |
| Total equity | $9.8M | |
| Loans / deposits | 90.77% (p81 of band) | 73.59% |
| Liquid assets / assets | 20.18% (p22 of band) | |
| Uninsured deposits / deposits | 42.90% (p94 of band) | 19.81% |
| Brokered deposits | 19.21% | |
| Wholesale funding | 19.21% (p94 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 14.45% (p74 of band) | 11.76% |
| Unrealized securities loss / equity | 0.08% (p99 of band) | -6.57% |
| AOCI / equity | -0.48% (p45 of band) | |
| ROA (annualized) | 1.03% (p42 of band) | 1.17% |
| Net interest margin | 3.89% (p48 of band) | 3.93% |
| Efficiency ratio | 74.37% (p69 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 | 8% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $67,000 (0.12% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 66.4% | |
| Employees | 12 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **capital falling** (`cap_falling`)

## 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 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | deposits shrinking |  |
| 2013-03 | 0 |  | deposits shrinking |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | capital falling |  |
| 2014-09 | 0 |  | capital falling |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 2 | capital falling, uninsured deposits leaving |  |
| 2015-09 | 1 |  | uninsured deposits leaving |
| 2015-12 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving | capital falling |
| 2016-03 | 1 |  | deposits shrinking, assets shrinking |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | capital falling |  |
| 2016-12 | 1 |  | capital falling |
| 2017-03 | 1 |  |  |
| 2017-06 | 0 |  | uninsured deposits leaving |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | capital falling |  |
| 2018-06 | 0 |  | capital falling |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | capital falling |  |
| 2019-06 | 1 | uninsured deposits leaving | capital falling |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | capital falling |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 1 |  | uninsured deposits leaving |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 2 | NIM <2.5%, charge-offs p90 |  |
| 2021-09 | 2 | capital falling | NIM <2.5% |
| 2021-12 | 2 |  |  |
| 2022-03 | 1 |  | charge-offs p90 |
| 2022-06 | 1 |  |  |
| 2022-09 | 0 |  | capital falling |
| 2022-12 | 0 |  |  |
| 2023-03 | 2 | deposits shrinking, assets shrinking |  |
| 2023-06 | 4 | charge-offs p90, uninsured deposits leaving |  |
| 2023-09 | 3 |  | uninsured deposits leaving |
| 2023-12 | 1 |  | deposits shrinking, charge-offs p90 |
| 2024-03 | 1 | capital falling | assets shrinking |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 0 |  | capital falling |
| 2025-03 | 0 |  |  |
| 2025-06 | 1 | capital falling |  |
| 2025-09 | 0 |  | capital falling |
| 2025-12 | 2 | brokered >10%, wholesale funding >15% |  |
| 2026-03 | 3 | capital falling |  |
| 2026-06 | 3 |  |  |

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

- 2024-12-06 [Nebraska neobank envisions bridge between banking and crypto - American Banker](https://news.google.com/rss/articles/CBMinAFBVV95cUxNYUN0VnZfek5zYUxCQ2Zaby1oaU9oem1BbHdoWmFPcnczVEsyTEpneDF4eXBfb01xZU8wa3pmbUdfdmV6c191UkYxOW5MZzUtSl9ZMnlpQmxsZFNnaU5ockZIT0VXWWxzMVFoZ280Uy1IMVQ3TWhnQ3FqcHlyd2dFNjNWSVVwM1E0SEtXbTlZeTVNLW91S2stTFdfS2Y?oc=5) · American Banker
- 2026-06-24 [Telcoin Enables Regulated On-Chain Bank Accounts For US Consumers - Crowdfund Insider](https://news.google.com/rss/articles/CBMitAFBVV95cUxNenJhaTZIZ1hRVE1YbElxTUVVWnQzMk1Vc1cydjRtaVFSSkF3aXYwSHBkNFhkbTN3NlJFT2hwNnVpeTFhS1Blak1YRGFUV005TkVseUZvMG82dDVSOUxtWnZFTGVUMk1zT2s1RWFvZ1pRX19NMnROR0tET2lwRXpIMEg0czQ0eHl3SVNzOWh1Vm5ZT09UdnEwSm1vUmFZdkpUdm8yc3NfemdiaFU5MHdIbnE1TGQ?oc=5) · Crowdfund Insider
- 2025-11-29 [Genevieve L. "Genny" Zohner Obituary (2025) - Battle Creek, NE - Steffen Mortuary - Battle Creek - legacy.com](https://news.google.com/rss/articles/CBMihgFBVV95cUxQRm5EVW42dU56cDhCUldOUUl1dUhSUWx6Q0w4QWRId29XOFdVbmtTb2ZkUS1kTFBrdi1zUW9TWV90NnNoU3FUNE54T0NDSHVxV0ZaY3pRUWdUYUFRSDczbjhBQ2pBLVoyTm0wck5ndHktNjdIdkl3M1Q4THAtMm1URS1LbkluUQ?oc=5) · legacy.com
- 2026-08-03 [Telcoin Digital Asset Bank President: Community Banks Need Stablecoins Built for Banking - CCN.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNRkhZTE9mRWlaV3ctVFFXTHBrUGRkSFlrRnVwX0d3bGZTVVVDWVZMWmNIbEg5NnZjTWw1VHRlYUtaNUphbnU2a0hIZW5LMWtKUllrT1JyMDh5cGZrdkVzMldDTkFITE0wTFd2TjZMN2loOUNWeFBNZnR0N2RaTmp6ZUZLRGUyMHdk?oc=5) · CCN.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16330 (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/10.json (key "16330", 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