# IAB FINANCIAL BANK
FORT WAYNE, IN · FDIC certificate 16400 · asset band $1-10B · latest filing 2017-06 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $1.09B | |
| Deposits | $865.6M | |
| Loans and leases | $754.2M | |
| Total equity | $133.0M | |
| Loans / deposits | 85.91% (p41 of band) | 89.72% |
| Liquid assets / assets | 25.15% (p64 of band) | |
| Uninsured deposits / deposits | 33.25% (p67 of band) | 25.51% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 7.36% (p40 of band) | |
| FHLB advances / assets | 6.26% | |
| Tier 1 leverage | 10.93% (p72 of band) | 9.96% |
| Unrealized securities loss / equity | 1.40% (p83 of band) | 0.00% |
| AOCI / equity | 1.33% (p78 of band) | |
| ROA (annualized) | 0.94% (p44 of band) | 0.99% |
| Net interest margin | 3.29% (p35 of band) | 3.49% |
| Efficiency ratio | 65.61% (p61 of band) | |
| Noncurrent loans | 0.64% (p60 of band) | 0.54% |
| Net charge-offs (annualized) | 0.04% (p57 of band) | |
| Reserve coverage of noncurrent | 221.49% | |
| Real estate % of loans | 76% | |
| Construction % of loans | 32.08% (p39 of band) | |
| Auto loans | $4.0M (0.53% of loans; DQ 0.43%, NCO 0.00%) | |
| Loans to nondepository financials | $5.8M (4% of equity) (p87 of band) | |
| Deposits YoY | 6.9% | |
| Employees | 231 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 1 |  | wholesale funding >15% |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 2 | wholesale funding >15% |  |
| 2012-09 | 2 | uninsured deposits leaving | wholesale funding >15% |
| 2012-12 | 1 |  | uninsured deposits leaving |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 0 |  | reserve under noncurrent |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | capital falling |  |
| 2015-09 | 0 |  | capital falling |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |

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

- 2025-12-09 [STAR Financial Bank Welcomes Travis McEowen as Senior Investment Officer - Building Indiana Business](https://news.google.com/rss/articles/CBMitAFBVV95cUxOdHNCc2RONzFTeElnMkJja2R6bF96dGF6ZkRtQjhWZXJSNUNNaWQ0dnpiZXRrb1h1YnJBYk1oXy1jTDVFQ0VJc2lXXzJLazlMbkxkWk4yZF9ma3JTUFUtSkdiOEpHVTVHU2Q4NHBiYkFBWUJSeHlBV1ZUeGl6eHFoQ041MndCUTREUkVrc0MyMlFnaEhRUm85NEh6dGNabzNlM1VlYk15MTVxbXI5QlFoek0xNDA?oc=5) · Building Indiana Business
- 2022-12-12 [COA: 'Veteran attorney' guarantor still on hook for loan despite multiple modifications to agreement - The Indiana Lawyer](https://news.google.com/rss/articles/CBMi1gFBVV95cUxPbkYxbFRhQTNqMktHV0R2TThNVzFiRUlyRG90aTVCMUVuWFpIRlc2aWlqZHhPWlpSRWpDT095c0E5TXVxQ3BYNjhZdHRxU2drdlBGNmRlQUNDX0d0U0c5czd6amlLZTRraDcwYThNek1zVVdUaEwtQmU1aXhtdUYwYl9TU29FVGtmSHB2QUFwd2xUYUdHV2F2X1U4bkhfcEwtRDlzUjZMcEs5VldRQXR4MmNFMGw4dVJKY0U1NXdaOW1iM0RtSzVCX0c1TDIwYUdlUUx2VEhn?oc=5) · The Indiana Lawyer
- 2015-06-12 [1st Source celebrates 150 years of banking - Fort Wayne Business Weekly](https://news.google.com/rss/articles/CBMiswFBVV95cUxObGNSajFFZllvT09BRDdKeDBNT2FrSGdGUUg1R2FEeGdIdGFyc3RNVTF4ZHZlM3dYVHBpOHpXcko2LThsMnk4anFvU1c2b1dURUlpSl9jTFNsbkhLUGdwbWltUEV4aUdJMkYwYU1XY0VPdDl6QlVncW96UDUzM0Y1b2tZNm1zd2RoUk41TUpPbng2TFdIMDFsbklxR2dpQjhKMkt0VXBlV2lsQm5vMTlVNTRmOA?oc=5) · Fort Wayne Business Weekly
- 2016-10-16 [Business people - journalgazette.net](https://news.google.com/rss/articles/CBMivgFBVV95cUxOVVB6ZC1vdGdlZ0FqQW5mLVRqc0FmNUNaVnRLVVNaMVZ2SFBQLVVHY1E1SlBWSFo4NGNaa2dubnNScWJhSkJoTzl6MnZEV0NxMm1fT09oVWo3azlYVGtPSHlPWEZZRmNlemdpVm1EanRHQTN5RW5aUXQtVlNqd01QcjlEamFoMEoybmN1UHJLNWFjWndmNXVKY2huTlFHajNaWkJTMWRBQjZQYlpfU1BpMjYySXQ2UFJmTE5kVGJ3?oc=5) · journalgazette.net
- 2014-06-26 [People on the move (published June 27, 2014) - Fort Wayne Business Weekly](https://news.google.com/rss/articles/CBMivgFBVV95cUxQSzg1S3NsNlpyWWg0SkhGTUpZQjZZNmhtUkpac0lEYVJiQk05MkZZWEFzZjlWWkJBd3kwTUQtWHdqVFhJWUNPZVIxZjVFdHJ2ZXEzSUhXU1BYZmMyOURVcHRIaFpfWjJUOXZqTkQ3Snl2cnNvUjA3TEtIMk5aNjVzY3MxWGNKbWR2OXRKZGs2bmVOQ3NyemMyWWFaSjZwUG5HRmdaV1QwTDhKck40Z1Bxa2hSY2dtQVVkMVQ1VDlB?oc=5) · Fort Wayne Business Weekly

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16400 (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/16.json (key "16400", 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