# LAKESIDE STATE BANK
NEW TOWN, ND · FDIC certificate 17165 · asset band $300M-1B · 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 | $442.2M | |
| Deposits | $415.9M | |
| Loans and leases | $156.3M | |
| Total equity | $25.5M | |
| Loans / deposits | 37.23% (p3 of band) | 80.75% |
| Liquid assets / assets | 62.76% (p97 of band) | |
| Uninsured deposits / deposits | 48.04% (p97 of band) | 19.51% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p6 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 5.58% (p1 of band) | 10.04% |
| Unrealized securities loss / equity | 3.60% (p80 of band) | 1.00% |
| AOCI / equity | 6.07% (p87 of band) | |
| ROA (annualized) | 1.48% (p84 of band) | 0.89% |
| Net interest margin | 2.66% (p6 of band) | 3.63% |
| Efficiency ratio | 40.68% (p3 of band) | |
| Noncurrent loans | 0.78% (p45 of band) | 0.89% |
| Net charge-offs (annualized) | 0.01% (p23 of band) | |
| Reserve coverage of noncurrent | 122.74% | |
| Real estate % of loans | 46% | |
| Construction % of loans | 0.00% (p1 of band) | |
| Auto loans | $5.0M (3.18% of loans; DQ 0.76%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 28.1% | |
| Employees | 24 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **capital falling** (`cap_falling`)

## 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 | 2 | leverage <7%, capital falling |  |
| 2012-06 | 0 |  | leverage <7%, capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | leverage <7% |  |
| 2013-03 | 3 | capital falling, NIM <2.5% |  |
| 2013-06 | 3 |  |  |
| 2013-09 | 1 |  | capital falling, NIM <2.5% |
| 2013-12 | 1 |  |  |
| 2014-03 | 3 | capital falling, NIM <2.5% |  |
| 2014-06 | 2 |  | NIM <2.5% |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 |  |  |

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

- 2019-06-20 [Prominent corner to become home to bank’s flagship office - SiouxFalls.Business](https://news.google.com/rss/articles/CBMijAFBVV95cUxPMWJFMWMyZzZtWm4wYlFBQURWU2pHNGhhaWctR0NzTjhjLXR4UFlTZk41MmxwVXFzdmtsU0t2ZHNlVjhZX2w5QXNUaTdoR1RGQUtvbk11LXFCQklRd2lQSHd4NlpyVG16UkhBcEh0X09IcjFULWlCR1M0eDJOZVdCWXdOWmJ1a2Y3MzF6cg?oc=5) · SiouxFalls.Business
- 2025-03-26 [Four US banks sign for DCI’s iCore360 core banking tech - FinTech Futures](https://news.google.com/rss/articles/CBMirwFBVV95cUxQVnA2QmRNQ3ExZnBKX09yd0FkT3dIYVp0VWpOMW1LTU1LTm9TUjZvdF8tNjB1NTNMVnR2RFBZZC13cXFhQTF1WlMyZXFwYTMxTjQ5S2JKd3RiQkVZbG5qMGZNY0hjTDZwMHItbjBfdUc3Z0hhRWVORHVsczg0LU1Sd2JjMjlsRjQyRnFKZnhnV3VudHhIU0p0a1JFbUlKTV9hdDl0Uk9CV3BzNDE3dDA4?oc=5) · FinTech Futures
- 2010-02-16 [States taking fresh look at socialist bank - NBC News](https://news.google.com/rss/articles/CBMiUEFVX3lxTE9NbzJ5Sk0tSnRTLU1BeDdnelp1Sk1jQ3hOMU5SR1ZzWVlEX3JIMl92LWlmT1llZzRYYzBkODQtMmx5cERGR184eXZoUjU5aXJL?oc=5) · NBC News
- 2014-10-05 [Homeland of opportunity - Federal Reserve Bank of Minneapolis](https://news.google.com/rss/articles/CBMidkFVX3lxTE5Dand0RzZwX1VEV2RNWUljaHk3RHN4dHNsbkxTNXB3S1RSeDBaUjkyTWptUm9PbXRRWWxNdDhEaFRGZkw3d29RT1ZVN1BoRFdKRGNva01DS180TFNhRzNxbmhpcHJLdzNkRzRFTFcxXzkxMWxDTFE?oc=5) · Federal Reserve Bank of Minneapolis
- 2025-03-08 [Mary Ellen Iverson - Minot Daily News](https://news.google.com/rss/articles/CBMicEFVX3lxTFBNTWlHX3pITVhGNVF1X185a0ZHSjJnUlhhLWRrcmk0OWh0LU5sWi0zb3kyYVd5djRHTXJ5NENBMU5aOWZzSnJfYnpNRnRRNVd4RWNHT2JvbmFNOTZRTmtEOWVWRk9PNmFGOVNXcHoySHc?oc=5) · Minot Daily News
- 2025-10-21 [Linda L. Kolman Obituary (2025) - Collinsville, OK - Collinsville Dolton Funeral Home - Collinsville - legacy.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxQQTZEUm9hQVlhbm84ZjlrLUJuT04zdU1uclFhdV9JY1ZPczlZZXVhZGpWaFlGNFNmbmEzT2tOWUVPeTNyMm44M0JZU3JzN2ZzX1VYWHc3b2t5cDZQSnhkbTFNdHRFMlBQQndtSTF3UGt5NHpJX1JTRTRlbUtaQ0ViVA?oc=5) · legacy.com
- 2010-03-24 [Oologah Student Stricken With Meningitis To Have Multiple Amputations - News On 6](https://news.google.com/rss/articles/CBMiwgFBVV95cUxOQVcwcXRPSU5WMGt1M0lxeHQ3c0NFY1ZwRERxem9PZlU4TGVZaW9Qa2xDR3VmYjQzU19scS14WC1SSUJGQVJfNFhLQUsxdDVrbU1vRDdycjh4Wk5WaUJtRmtxb2swbVlzeE5vV05tSmhERHBESnVOdzJCR2MzQ1YyR2VIbWdCNnUxSzl1RjRRbEUwbVZNNWtxWWhKRXROVnljclU5aXB6TGs0U3R1ZFR0b1JPckZhdjVPSGZ3YjR6SU5YUQ?oc=5) · News On 6
- 2021-06-08 [James Stauffer Obituary (1953 - 2021) - Tulsa, OK - Tulsa World - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxQbjhEYUJCUENXdmlhZ1U4bUtQOEZRbXk4RGdIUVk1N1ZSc01CSFUwMzZOeS1rUS1kRVdPY3pZMHNiWEhNZXoySzZxUHE5WDFSdjc3WDRPbEMwSHBmRVdNWG9HR2tSX3hIcElaQW9DN1ZlUDNuQnpnbDVYRXdHYmZyUDZSNXdselJJTy1WcXpLR0oxZw?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17165 (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/13.json (key "17165", 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