# STATE BANK OF LAKOTA
LAKOTA, ND · FDIC certificate 16477 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 (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 | $64.2M | |
| Deposits | $57.6M | |
| Loans and leases | $38.9M | |
| Total equity | $6.3M | |
| Loans / deposits | 66.89% (p40 of band) | 73.59% |
| Liquid assets / assets | 38.10% (p60 of band) | |
| Uninsured deposits / deposits | 10.79% (p17 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.58% (p19 of band) | 11.76% |
| Unrealized securities loss / equity | -11.45% (p37 of band) | -6.57% |
| AOCI / equity | 0.13% (p90 of band) | |
| ROA (annualized) | 1.07% (p44 of band) | 1.17% |
| Net interest margin | 3.80% (p43 of band) | 3.93% |
| Efficiency ratio | 63.74% (p44 of band) | |
| Noncurrent loans | 0.49% (p55 of band) | 0.36% |
| Net charge-offs (annualized) | 0.19% (p92 of band) | |
| Reserve coverage of noncurrent | 209.47% | |
| Real estate % of loans | 36% | |
| Construction % of loans | 7.29% (p34 of band) | |
| Auto loans | $1.2M (3.18% of loans; DQ 4.21%, NCO 0.03%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -0.4% | |
| Employees | 11 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 0 |  | reserve under noncurrent |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | reserve under noncurrent |  |
| 2012-06 | 0 |  | reserve under noncurrent |
| 2012-09 | 1 | reserve under noncurrent |  |
| 2012-12 | 2 | uninsured deposits leaving |  |
| 2013-03 | 2 | capital falling | uninsured deposits leaving |
| 2013-06 | 1 |  | capital falling |
| 2013-09 | 1 |  |  |
| 2013-12 | 2 | capital falling, assets shrinking | reserve under noncurrent |
| 2014-03 | 1 | reserve under noncurrent | capital falling, assets shrinking |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 3 | deposits shrinking, assets shrinking |  |
| 2015-03 | 3 |  |  |
| 2015-06 | 0 |  | reserve under noncurrent, deposits shrinking, assets shrinking |
| 2015-09 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2015-12 | 2 | capital falling, reserve under noncurrent | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2016-03 | 1 |  | capital falling |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 | assets shrinking | reserve under noncurrent |
| 2016-12 | 0 |  | assets shrinking |
| 2017-03 | 1 | charge-offs p90 |  |
| 2017-06 | 0 |  | charge-offs p90 |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | capital falling |  |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | reserve under noncurrent |  |
| 2018-12 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving | reserve under noncurrent |
| 2019-03 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2019-06 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2019-09 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2019-12 | 1 | capital falling |  |
| 2020-03 | 0 |  | capital falling |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | NIM <2.5% |  |
| 2022-06 | 0 |  | capital falling, NIM <2.5% |
| 2022-09 | 1 | securities losses >30% of equity |  |
| 2022-12 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2023-03 | 3 |  | uninsured deposits leaving |
| 2023-06 | 4 | uninsured deposits leaving |  |
| 2023-09 | 1 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2023-12 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving | securities losses >30% of equity |
| 2024-03 | 4 | charge-offs p90 |  |
| 2024-06 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving, charge-offs p90 |
| 2024-09 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2024-12 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 1 | reserve under noncurrent |  |
| 2025-12 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving | reserve under noncurrent |
| 2026-03 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2026-06 | 1 | charge-offs p90 |  |

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

- 2024-06-18 [New home construction in Lakota, Larimore, part of initiative to spark rural housing development - Grand Forks Herald](https://news.google.com/rss/articles/CBMi1AFBVV95cUxNZ2NKalJXSkhFM05iSDlfRC1HRTcwdzRPZS1PMzM2TjRKak96NTVmZEY0SVFMSzJabzZNb2JSTFlkcGppWnhNbDUxRmpDMzZySkpibUx6NzFHc3pBc3lhb3lvbEVSemhVTVB3Y2UxcGZZdUJOZ1AyVVpKWkMwSFNtNk1qRTlvR1lqSDdaOHBSZEVwSUhxRHpiM2F4Y0Y0V2lEaEpHeE5kN1VRYUtXZWtVUlBNajJNLTk5cTJVNFFwR2Z3bmJmcGN2Q3JrSC0tLUxWQndVdg?oc=5) · Grand Forks Herald
- 2025-12-03 [Nelson County Youth Project Day set for Dec. 30 - Tri-State Livestock News](https://news.google.com/rss/articles/CBMifkFVX3lxTFBFZzVndm9vOUxLYUduTC1zcEFpTjVnM3BfMjQ4OV9yclM3YUl4c1YtRmZINnhvS0tYNnZWaDFMRjVJR2lLN3JMNU9rbWRoMklPMHdPTXEzOWYyWlpkblllYTRGMTNvb1FRTHdJbG5kbTdqbGtVU1VtODJ3TGZpZw?oc=5) · Tri-State Livestock News
- 2025-06-13 [Donna Lou Robinson Obituary (2025) - Lakota, ND - Aaker Funeral Home - Lakota - legacy.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxNQ0NBMTBTTTAtRjNMaGF3Qk5iampQWVpkcUVqUE5HWXJsRWNCc2tSam03U3hhTnB5RzYzblFpejNab0pwbkNEbmlZU1NudF91MXdFTkQ2blVxai1JZy14UUI4ZlNNemxDdFNCcHlOYzI2blZWSXFDR0JWMl9ZeTBLdTNWUQ?oc=5) · legacy.com
- 2012-06-13 [Relay raises more than $145,000 for cancer research - The Columbus Dispatch](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE5zVkt5eE9YSjBuTzlaY3hzVXNsTmVENVFvRktILWJqYjlSVmNKclFwZC12TTViaUV1alBlaFpVQ1M1WGlheUYzcmlCcWpya3BYMGhNM0xRdnJIdloxSF9hcFd0dThyVFk?oc=5) · The Columbus Dispatch

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16477 (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/29.json (key "16477", 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