# NORTH LOUP VALLEY BANK
NORTH LOUP, NE · FDIC certificate 16468 · asset band <$300M · latest filing 2014-12 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. 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 | $20.8M | |
| Deposits | $18.7M | |
| Loans and leases | $9.6M | |
| Total equity | $2.0M | |
| Loans / deposits | 49.98% (p19 of band) | 71.50% |
| Liquid assets / assets | 53.50% (p82 of band) | |
| Uninsured deposits / deposits | 7.39% (p22 of band) | 13.21% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.56% (p33 of band) | 10.45% |
| Unrealized securities loss / equity | -0.65% (p18 of band) | 0.49% |
| AOCI / equity | 0.00% (p18 of band) | |
| ROA (annualized) | -0.04% (p8 of band) | 0.81% |
| Net interest margin | 2.51% (p7 of band) | 3.66% |
| Efficiency ratio | 102.68% (p94 of band) | |
| Noncurrent loans | 0.18% (p25 of band) | 0.76% |
| Net charge-offs (annualized) | -0.36% (p1 of band) | |
| Reserve coverage of noncurrent | 1735.29% | |
| Real estate % of loans | 31% | |
| Construction % of loans | 9.31% (p39 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 4.6% | |
| Employees | 5 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | NIM <2.5%, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 1 |  | reserve under noncurrent |
| 2011-12 | 2 | reserve under noncurrent |  |
| 2012-03 | 2 | capital falling | NIM <2.5% |
| 2012-06 | 3 | NIM <2.5% |  |
| 2012-09 | 1 |  | capital falling, NIM <2.5% |
| 2012-12 | 0 |  | reserve under noncurrent |
| 2013-03 | 0 |  |  |
| 2013-06 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2013-09 | 3 | losing money, charge-offs p90 | assets shrinking, uninsured deposits leaving |
| 2013-12 | 4 | assets shrinking |  |
| 2014-03 | 3 | reserve under noncurrent | losing money, charge-offs p90 |
| 2014-06 | 3 | expense ratio p90, noncurrent p90 | deposits shrinking, assets shrinking |
| 2014-09 | 2 | assets shrinking | reserve under noncurrent, noncurrent p90 |
| 2014-12 | 2 | losing money | assets shrinking |

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

- 2026-08-17 [Carrie Cae Hansen Obituary (2026) - North Loup, NE - Ord Memorial Chapel - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxNbnFLNURKMmZnOExwM2c1MW9SNF93V1lEZjhNUkIyLVdOY2dOMF9ybnQ0MEtETm5pTGhHZHBxcWVTYjBQMVZ0cFBfTGdfTTFtWHlyOFE4RVd3QXg3Z09NWDNpa01vUTd1TkNnMjhrYVFCSHVNTm9QaUthbTNteVhJR2NR?oc=5) · legacy.com
- 2021-07-27 [Albert Fredrick Zuege Jr. - Imperial Republican |](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNV1lRdnpWT3Z5eEVOc0dXa29LNGFtZHRJSDdmNHFTWTAyRWg1blF2MGJLWU52UjRtczgyR1VCczhvWmtUWXhMMklmMVZRbjA5ckJQMU9EQktPTTlmZ19aNFFNOEN3RVhRZEtCZV9GV203a013RGwyS2dtNW5IR2VUTWhlZ2VhWkpS?oc=5) · Imperial Republican |
- 2021-06-22 [Frances Van Horn Obituary (1924 - 2021) - North Loup, NE - The Grand Island Independent - legacy.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxQV25VN1VNdTUycVZ4dFd3TkRzdVVEYVBXWGJFQVVBclo2by11ZDQtcUU5NVZxaWlrYWRiV1d5Vm1YbktmTnNFMjI1aEJzcGVOQmp1ZVM1N1d6SnBoYkpWVlhvT2RxRi1fWER1cnpNRXljLTFQWnBqNW43MmlZdGpZVGVxNjhnTWxfM2ZlVFNraTY5RmdvR2NEUENB?oc=5) · legacy.com
- 2023-05-18 [Charles Beebe Obituary (2023) - Saint Paul, NE - The Grand Island Independent - legacy.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxNYnI2REk0WUEzWTZ2dzYtdE1CTk1JYTU5Z3JGVzMzSV9fR0M1TVEzYmlDZ3lTZG1xNVlGai1ZV19KWDdkM2s4dnB0dnBfUXhvd3JpRjBHcnFqazNFamNRcWl6d0JCUFEyZWMzY1Baamt3ank4dWZkLVExVU5fc1NjVzYxX0dCRW1XdVEzRjJmR0FCaEFadVE?oc=5) · legacy.com
- 2008-01-27 [Betty Rienks Obituary (2008) - Grand Island, NE - The Grand Island Independent - legacy.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxNREVtWWJhcXhER0dXSmN6SlIyMEdNcEF4aUhxdV95dmx2NXYtRTNNQzZyeV8wakxFbzJxMmJQT2sxRU1aYTlMZkY3cTJibFFBNDhKTXJjWExRc3pTQi1vcUJCREF1VnkycUJFMndER09QNnI3U3IybzNKaTJuTWRHdWJlXzZaNGRGZWZ4ZFZ3cmZOSGlU?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16468 (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/20.json (key "16468", 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