# POTTER STATE BANK OF POTTER
POTTER, NE · FDIC certificate 17205 · asset band <$300M · latest filing 2025-12 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (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 | $53.6M | |
| Deposits | $47.3M | |
| Loans and leases | $21.4M | |
| Total equity | $6.0M | |
| Loans / deposits | 44.63% (p15 of band) | 73.21% |
| Liquid assets / assets | 55.65% (p84 of band) | |
| Uninsured deposits / deposits | 20.37% (p53 of band) | 19.45% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.43% (p48 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.39% (p67 of band) | 11.56% |
| Unrealized securities loss / equity | -19.40% (p22 of band) | -6.10% |
| AOCI / equity | 9.06% (p75 of band) | |
| ROA (annualized) | 1.08% (p53 of band) | 1.04% |
| Net interest margin | 3.79% (p48 of band) | 3.83% |
| Efficiency ratio | 63.62% (p39 of band) | |
| Noncurrent loans | 3.85% (p96 of band) | 0.34% |
| Net charge-offs (annualized) | 0.20% (p90 of band) | |
| Reserve coverage of noncurrent | 35.80% | |
| Real estate % of loans | 21% | |
| Construction % of loans | 19.53% (p52 of band) | |
| Auto loans | $613,000 (2.86% of loans; DQ 5.55%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 20.0% | |
| Employees | 9 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## 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 | 1 | capital falling |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | capital falling |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | reserve under noncurrent |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 2 | noncurrent p90 |  |
| 2015-06 | 1 |  | noncurrent p90 |
| 2015-09 | 1 |  |  |
| 2015-12 | 2 | capital falling |  |
| 2016-03 | 0 |  | reserve under noncurrent, capital falling |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | charge-offs p90 |  |
| 2017-03 | 0 |  | charge-offs p90 |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | reserve under noncurrent |  |
| 2019-09 | 0 |  | reserve under noncurrent |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | reserve under noncurrent |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 0 |  | reserve under noncurrent |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | capital falling |  |
| 2021-06 | 2 | reserve under noncurrent |  |
| 2021-09 | 2 | noncurrent p90 | capital falling |
| 2021-12 | 0 |  | reserve under noncurrent, noncurrent p90 |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity | capital falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 3 | noncurrent p90, reserve under noncurrent | AOCI drag >20% of equity |
| 2023-06 | 4 | charge-offs p90 |  |
| 2023-09 | 5 | deposits shrinking |  |
| 2023-12 | 3 |  | securities losses >30% of equity, deposits shrinking |
| 2024-03 | 3 | securities losses >30% of equity | charge-offs p90 |
| 2024-06 | 3 |  |  |
| 2024-09 | 0 |  | noncurrent p90, reserve under noncurrent, securities losses >30% of equity |
| 2024-12 | 4 | noncurrent p90, reserve under noncurrent, assets shrinking, uninsured deposits leaving |  |
| 2025-03 | 0 |  | noncurrent p90, reserve under noncurrent, assets shrinking, uninsured deposits leaving |
| 2025-06 | 1 | reserve under noncurrent |  |
| 2025-09 | 2 | charge-offs p90 |  |
| 2025-12 | 3 | noncurrent p90 |  |

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

- 2026-03-17 [Platte Valley Bank Expands with Potter State Bank Merger, Insurance Services Grow Across Region - K2 Radio](https://news.google.com/rss/articles/CBMiWkFVX3lxTE5aOFlaUFhsV2ozUTNhSnlWdFR5bGFwR2ctLU1fZmt3X2pSSmJWNVRjdHVwejlaTE9uMXBfWkJ5Q25ZMHUtMXVKQ1hlWFBlSGV2QWd0Tjd2SDhPQQ?oc=5) · K2 Radio
- 2025-12-22 [Platte Valley Bank adds locations with Potter State Bank merger - Rural Radio Network](https://news.google.com/rss/articles/CBMingFBVV95cUxOSE1HMVFDR1Q1aXE0M0FYZEZYYmNLQU5rczljTGUyRFdhUXF4VmktMDFfYldyZXNuWnA0aDhEUjR4bnJZQVl4ekZ4bHR2TXpUUmUzbkhSUXNoLVAzVXc5eE43Wjg2dEFiT0stUTNLdzZhZmliQUVwU0V4ckVXLXZ5WkpERnY4MDlsbXEyWk5TeC1ndkYzZ0dtdzhGbmgxQQ?oc=5) · Rural Radio Network
- 2026-03-16 [Merger of Platte Valley, Enevoldsen Mgt. Companies completed - Rural Radio Network](https://news.google.com/rss/articles/CBMimwFBVV95cUxQeEtzTUhxc0p6MTBqUFgzZlh0V01SX0lsd3Jjb2c1ZGZlSmhXaDJVaVNjVmVSemdXc2RvSWZIM3R2bEJ6b0lhUjVBb0hJV2VBWGRJbUhtSnJabFRxWl81OHR3OUlHWHNDZlJSNzFYbHh3eWdJdnBGVEgyemZzSGxhR3RLNExwZ2psOEpBOUpuYTA4aXZSbW9GUTdzUQ?oc=5) · Rural Radio Network

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17205 (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/53.json (key "17205", 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