# STATE BANK OF CHESTER
CHESTER, NE · FDIC certificate 16881 · asset band <$300M · latest filing 2013-12 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $28.0M | |
| Deposits | $25.3M | |
| Loans and leases | $21.2M | |
| Total equity | $2.2M | |
| Loans / deposits | 82.97% (p75 of band) | 69.26% |
| Liquid assets / assets | 22.74% (p23 of band) | |
| Uninsured deposits / deposits | 4.91% (p14 of band) | 12.49% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.18% (p45 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 7.72% (p8 of band) | 10.29% |
| Unrealized securities loss / equity | 0.45% (p80 of band) | -1.01% |
| AOCI / equity | 0.00% (p91 of band) | |
| ROA (annualized) | 0.68% (p45 of band) | 0.76% |
| Net interest margin | 3.10% (p23 of band) | 3.63% |
| Efficiency ratio | 77.44% (p57 of band) | |
| Noncurrent loans | 1.41% (p61 of band) | 0.94% |
| Net charge-offs (annualized) | -0.02% (p8 of band) | |
| Reserve coverage of noncurrent | 55.18% | |
| Real estate % of loans | 39% | |
| Construction % of loans | 13.35% (p45 of band) | |
| Auto loans | $274,000 (1.29% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 0.6% | |
| Employees | 5 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 0 |  |  |
| 2013-03 | 2 | capital falling, uninsured deposits leaving |  |
| 2013-06 | 0 |  | capital falling, uninsured deposits leaving |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | reserve under noncurrent |  |

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

- 2025-11-13 [Irene Long Obituary (2025) - Superior, NE - Megrue-Price Funeral Home - Superior - legacy.com](https://news.google.com/rss/articles/CBMifkFVX3lxTE4zb25GQVFlWExrQkFiQmRreWdxdTVSZGF4RXhjQXc5Z2gzMDdXc25DM1dua0pRSUs3OWhYa2hrLXV1SGFUTHpsX1pmdWlfcndnY240Sm1tTVd1OW9GNHZtaG1sVm1KeEdrOGxzaVN2aHRWdXV1Y2haQ09kaV85QQ?oc=5) · legacy.com
- 2026-08-18 [Bonnie J. Mumm Obituary (2026) - Belleville, KS - Bachelor-Surber Funeral Home - Belleville - legacy.com](https://news.google.com/rss/articles/CBMif0FVX3lxTFBoYk1sbDdvZjR5Y3h5NWlMRkxTcDFuNTNvZmhEZUNheG5Oa2tNZEpRbHRMTmItMUpUSVB6WnBQanRsbVNVM0t0WnVoalRjTExacGFvOG1JelZySTFlZ25qUl9NNmhBNEFFbzVtNllaS01BMzFsWmxCbDZDZnlYV2s?oc=5) · legacy.com
- 2004-05-19 [George Russell Obituary (2004) - Hebron, NE - Lincoln Journal Star - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxQdmp4dVhWRDZUaEE3blRoWnpibWRkdEhreHpQRFE0ekF5ekl2SkZfeUJYWFlNYlBBSVZ1QXQ4R3h6SFpfYk91XzNFbGVDd3U4QktWN3Z0NnJsQ19PZFJibW1jMkdqb0VjMmR4TXNKSDZwMF9WNFBEaWpySTlJRWxTSW5xNGhqc2hJR09kR0trTHEydm8?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16881 (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/49.json (key "16881", 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