# FIRST STATE BANK OF WILTON
WILTON, ND · FDIC certificate 16975 · asset band <$300M · latest filing 2013-06 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $38.5M | |
| Deposits | $33.9M | |
| Loans and leases | $17.3M | |
| Total equity | $3.9M | |
| Loans / deposits | 50.11% (p20 of band) | 68.67% |
| Liquid assets / assets | 52.67% (p80 of band) | |
| Uninsured deposits / deposits | 7.74% (p30 of band) | 11.61% |
| Brokered deposits | 2.83% | |
| Wholesale funding | 4.20% (p65 of band) | |
| FHLB advances / assets | 1.36% | |
| Tier 1 leverage | 9.54% (p38 of band) | 10.18% |
| Unrealized securities loss / equity | 0.84% (p74 of band) | -0.21% |
| AOCI / equity | -6.79% (p23 of band) | |
| ROA (annualized) | 1.48% (p85 of band) | 0.77% |
| Net interest margin | 3.52% (p46 of band) | 3.59% |
| Efficiency ratio | 52.95% (p9 of band) | |
| Noncurrent loans | 0.00% (p5 of band) | 1.13% |
| Net charge-offs (annualized) | 0.00% (p29 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 45% | |
| Construction % of loans | 12.28% (p45 of band) | |
| Auto loans | $68,000 (0.39% of loans; DQ 29.41%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 8.7% | |
| Employees | 8 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 2 | brokered >10%, wholesale funding >15% |  |
| 2012-09 | 0 |  | brokered >10%, wholesale funding >15% |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |

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

- 2022-08-02 [Marion Anderson Obituary Aug 2, 2022 - Bismarck Funeral Home and Crematory](https://news.google.com/rss/articles/CBMib0FVX3lxTFBPLU96VlpHMGo1NDNKNGJUS0ZKbWJlS1IyQWZUak5rLUVEclJGOFhvVmtGMFZiUkhnRHNSejNkU3BCOER3UnpfYkVMN1kta0R3STlSU3dzeFNrdlNTREpiY2pEbjIxN3hUbklZblBwVQ?oc=5) · Bismarck Funeral Home and Crematory

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16975 (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/15.json (key "16975", 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