# WALKER STATE BANK
WALKER, IA · FDIC certificate 16432 · asset band <$300M · latest filing 2022-09 · stopped filing (departed)

**Verdict on the desk:** this could be *run candidate*. 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 | $46.2M | |
| Deposits | $42.8M | |
| Loans and leases | $19.6M | |
| Total equity | $3.3M | |
| Loans / deposits | 45.07% (p22 of band) | 63.45% |
| Liquid assets / assets | 52.02% (p73 of band) | |
| Uninsured deposits / deposits | 15.87% (p31 of band) | 20.44% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.88% (p36 of band) | 10.74% |
| Unrealized securities loss / equity | -56.62% (p28 of band) | -26.93% |
| AOCI / equity | -42.65% (p30 of band) | |
| ROA (annualized) | 0.86% (p48 of band) | 0.89% |
| Net interest margin | 2.46% (p14 of band) | 3.22% |
| Efficiency ratio | 64.11% (p34 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.22% |
| Net charge-offs (annualized) | 0.00% (p26 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 74% | |
| Construction % of loans | 29.11% (p58 of band) | |
| Auto loans | $671,000 (3.41% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 5.1% | |
| Employees | 5 | |

## Flags firing in the latest filing

- **AOCI drag >20% of equity** (`cap_aoci`)
- **securities losses >30% of equity** (`cap_secloss`)
- **NIM <2.5%** (`earn_nim`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 0 |  | capital falling |
| 2012-06 | 3 | charge-offs p90, reserve under noncurrent, deposits shrinking |  |
| 2012-09 | 2 | uninsured deposits leaving | reserve under noncurrent, deposits shrinking |
| 2012-12 | 3 | reserve under noncurrent |  |
| 2013-03 | 2 | capital falling | charge-offs p90, uninsured deposits leaving |
| 2013-06 | 0 |  | reserve under noncurrent, capital falling |
| 2013-09 | 2 | deposits shrinking, assets shrinking |  |
| 2013-12 | 1 | reserve under noncurrent | deposits shrinking, assets shrinking |
| 2014-03 | 2 | deposits shrinking, uninsured deposits leaving | reserve under noncurrent |
| 2014-06 | 2 |  |  |
| 2014-09 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | charge-offs p90 |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 0 |  | charge-offs p90 |
| 2019-03 | 1 | capital falling |  |
| 2019-06 | 0 |  | capital falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 0 |  | capital falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 2 | capital falling, uninsured deposits leaving |  |
| 2022-03 | 2 | NIM <2.5% | uninsured deposits leaving |
| 2022-06 | 3 | AOCI drag >20% of equity, securities losses >30% of equity | capital falling |
| 2022-09 | 3 |  |  |

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

- 2026-02-05 [Kenneth Walter Zieser Obituary Feb 5, 2026 - Murdoch Funeral Homes & Cremation Service](https://news.google.com/rss/articles/CBMibEFVX3lxTE1abXl1blNCb005b3pWY1J3TDVJa2hRdmR3Qi05UnhyWWJ6ZFU5MzI5c1VRQklBdzFtSDRGWDE1MjM1eHI2ZWJObmNYb3NBYkhHTjhxSzlRVk1oWndDSWRGNmZYajQ3eDZYd1RUOA?oc=5) · Murdoch Funeral Homes &amp; Cremation Service
- 2026-09-08 [Anamosa library to host community baby shower this month - thegazette.com](https://news.google.com/rss/articles/CBMi3AFBVV95cUxPS3p0T3YzRHIxS1dTYW9CQ1owWGxzSmNOSE5NNTU1U0tFcG5lY3NMU1M2WmdBbW5UeDRQdGxucTFIb3g3NzNwOHFCMkVCNkQ5elpiTktxcDFsR2RTcGZ0Qm4wM2F4QW9LTHhkeUotd0E3X3dfNU5NUFpMNWxhU0tfd2R4a2RHWWhRTjdhNHM4R2dyNTRlQ1Z6eTZuaEVYbU5aU0MtZ3B5UEtDbEVZUnFVeTA5YVY3Ni0tUUYxUVpST1hYVHJSb1ZMbkpvRGNQbjQ0WkdUcjVhb2xkeTdV?oc=5) · thegazette.com
- 2018-05-12 [North Linn, Benton County communities offer support to family after fatal fire - KGAN](https://news.google.com/rss/articles/CBMirgFBVV95cUxPN000SnZmV3hIX20zazV2bUpaRzZEcklyLUFfamVtbzBWSDRLTkFucGlMdTBJTFRTcHVIdWlXOEFUNkhRVFF5QzVBYTh0MkI5TmdfRnJLblpjN0hEV1UxTVdYbThQMUJ4QTFtWm1SVDMxZmRPVzQ5MHpfdEtYS1BEVzVabzI0THlaSldEUHFPTmozNEFZOUplSHZzWlJJNmhHYTBFczBLSzhObzdDX0E?oc=5) · KGAN
- 2020-10-15 [H. Philip "Phil" Snitkey Obituary Oct 15, 2020 - Murdoch Funeral Homes & Cremation Service](https://news.google.com/rss/articles/CBMib0FVX3lxTFBQNzNTVXJNTjlod3lXM0x2TFBYN2JrU1ZvVVNwc2tEbnlDSklFSk0xbzVJTm94aTFQWW5PekdQZlk4cGNocE5wUUhab2NxOXNaTEo5NzMzZXpfeU5DeEZRYmx4MXZrVUZPNEc1WDRQZw?oc=5) · Murdoch Funeral Homes &amp; Cremation Service
- 2026-09-04 [Lee Edward Bossom Obituary | Reiff Family Center, Inc. | Independence, IA - Tribute Archive](https://news.google.com/rss/articles/CBMid0FVX3lxTE55Y1AzZUdjUGtUNjRwbUVFb2JQZ1pUS0VoYVV5dEY2dnYxeUxONTRnV2FqekliOEs0QUt2ZnRZajhleS14VmsyeDY3SGQ3Q0VvVGxiWFJ1VzBVVS0wOHZlTzRzdXg5eFRyWlFMYkRpMm83Njd1dEhN?oc=5) · Tribute Archive
- 2018-05-11 [UPDATE: Support pours in after fatal fire near Brandon - KCRG](https://news.google.com/rss/articles/CBMilgFBVV95cUxQbzFOVnA2U21DekM2VWtzQWR4N05jdC1WNWE1TFA3MzlpWFludHA1aC1kYW1jeFBKN2o3SkYtZGFJOWNsQ3NSRGtxRm02YVFtaHQ5cXZhWEc4SklRN3U2M19jV011ZThvbnpFN09saVhUNmpXc3R1U0ZWbGZheUNrN2VGbUNIWmJuaE9hZ0ZSR2Jwa29hOWc?oc=5) · KCRG
- 2017-04-14 [Laurel Lea Lewis Obituary Apr 14, 2017 - Murdoch Funeral Homes & Cremation Service](https://news.google.com/rss/articles/CBMiakFVX3lxTFBpWmhEclhFUWYyMVFkUmN4UFZuVC1ldlBvM0Rza1hQbEIyOVhXd3NXQlMxRkdvaDdMMlQzRHpHaHZvaXFmTElDLURGVGhSa0xOX2NOSHJ0OUVrOUF4X0RZSFJlOGFjUDYyYlE?oc=5) · Murdoch Funeral Homes &amp; Cremation Service
- 2021-02-20 [Jason Philip Snitkey Obituary Feb 20, 2021 - Murdoch Funeral Homes & Cremation Service](https://news.google.com/rss/articles/CBMia0FVX3lxTE8yYllqTmJTT2dBc1RMV2lPQlNsUkZUd3h4TUZmUW5uMVppMFVxa3E0Vjl6alMzSUlCbENxQ1dRUUpKMmJ1VmJvVUd5MURNb3pqLVBzM0pqdy02Y2VwTVl4czJ4NkNWREZkNFdB?oc=5) · Murdoch Funeral Homes &amp; Cremation Service

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16432 (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/48.json (key "16432", 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