# ST ANSGAR STATE BANK
SAINT ANSGAR, IA · FDIC certificate 17259 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. 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 | $182.0M | |
| Deposits | $136.2M | |
| Loans and leases | $123.9M | |
| Total equity | $18.3M | |
| Loans / deposits | 90.14% (p80 of band) | 73.59% |
| Liquid assets / assets | 29.34% (p42 of band) | |
| Uninsured deposits / deposits | 24.87% (p67 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 14.77% (p91 of band) | |
| FHLB advances / assets | 14.77% | |
| Tier 1 leverage | 9.74% (p21 of band) | 11.76% |
| Unrealized securities loss / equity | -13.44% (p33 of band) | -6.57% |
| AOCI / equity | 0.00% (p78 of band) | |
| ROA (annualized) | 1.13% (p48 of band) | 1.17% |
| Net interest margin | 2.95% (p11 of band) | 3.93% |
| Efficiency ratio | 58.79% (p32 of band) | |
| Noncurrent loans | 0.11% (p35 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 768.79% | |
| Real estate % of loans | 52% | |
| Construction % of loans | 12.04% (p41 of band) | |
| Auto loans | $1.1M (0.89% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 1.3% | |
| Employees | 18 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 0 |  | reserve under noncurrent |
| 2012-03 | 0 |  |  |
| 2012-06 | 1 | capital falling |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 0 |  | capital falling |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | capital falling |  |
| 2014-03 | 0 |  | capital falling |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 2 | deposits shrinking, assets shrinking |  |
| 2015-06 | 1 | reserve under noncurrent | deposits shrinking, assets shrinking |
| 2015-09 | 0 |  | reserve under noncurrent |
| 2015-12 | 2 | capital falling, charge-offs p90 |  |
| 2016-03 | 0 |  | capital falling, charge-offs p90 |
| 2016-06 | 1 | reserve under noncurrent |  |
| 2016-09 | 1 | charge-offs p90 | reserve under noncurrent |
| 2016-12 | 1 |  |  |
| 2017-03 | 0 |  | charge-offs p90 |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 2 | capital falling, uninsured deposits leaving |  |
| 2018-03 | 1 |  | uninsured deposits leaving |
| 2018-06 | 0 |  | capital falling |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | capital falling |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 0 |  | capital falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 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 | 0 |  | capital falling |
| 2022-06 | 1 | securities losses >30% of equity |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 3 | capital falling, NIM <2.5% |  |
| 2023-06 | 3 |  |  |
| 2023-09 | 2 |  | capital falling |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 4 | wholesale funding >15%, deposits shrinking |  |
| 2024-09 | 2 |  | securities losses >30% of equity, deposits shrinking |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 | capital falling | NIM <2.5% |
| 2025-06 | 2 | reserve under noncurrent | capital falling |
| 2025-09 | 2 |  |  |
| 2025-12 | 1 |  | wholesale funding >15% |
| 2026-03 | 1 | capital falling | reserve under noncurrent |
| 2026-06 | 0 |  | capital falling |

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

- 2021-08-24 [Janice Vervaecke Obituary (1944 - 2021) - Saint Ansgar, IA - Globe Gazette - legacy.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxPM0ZzazZZbGw0WGVWMk5BTmFNclhnZVY0RmtfbGNvcE8xRGVmMElOaldDZUVpNVhDRktlVzhFUExfR0dzSkxucVR4V3UxUEl0aXJFaWlfWXV1RnJEcWIwRnZRTzByaFhTWDc5TVg1YjYySkRBajRSbW1QT0ZuN3E4cFAxbl9obFpJU1VHV1ptb2djUnZWc0dV?oc=5) · legacy.com
- 2017-07-05 [The hometown: St. Ansgar residents rally to preserve quality of life - thegazette.com](https://news.google.com/rss/articles/CBMi4gFBVV95cUxNR2EtY29tMF9WcFF5MXdQMk1aRUZEdy0tdWM4TmF5Sk9hQndCRWlIQUl6UHNpcE4wVG9fR2tIczRUOXdkNVBvNHk1RHYzNkVTMDBmTVctUGViYjZobjFiS0dSZ1ZtUVFLVzBFM19pb2NmckV0MURZQkJFZXNMZkdsOWotZmZrTDVhNzBzWXpINU5lN1BicFJHTzJLQ1RXSFozRHAxVkRuQlFYbHpKZFpBcHJJSVRFcjhsU1hmRy1BYkhsblUxYXJ3NXlrMmNpVHlXM2VqMDkwMl9SSU1KQlhNZHhn?oc=5) · thegazette.com
- 2022-09-13 [North Iowa gets $1.9 million for childcare expansion projects - kimt.com](https://news.google.com/rss/articles/CBMi0gFBVV95cUxQOWZuZFZqXzAzSDNORG9VQU10bnNFNDlBN2pwa3Yxc2pIcTlmQ1FDaGxMd0RpV2s1UUxlTEhKVTZocVdfQUthTW4wZjE4RV80SzNvQzVBUlhJa1hjY3cyRlNqQTlSNEVCMzE5WW1CeDBRRFVidjVLc1c3M3dDUGNxaTh6QXE5YnQzaXhBOGZpdDdIeU94YWtPUEdHRGwtZEJJV2Nkb0NRWDFyOHdFNzdZdXdQaTZ2cTBYOXJhWmF1bUQ1UnFRT0I2Z0FIQ0NrOTlNakE?oc=5) · kimt.com
- 2026-03-10 [Pi Day celebration at Bolan Schoolhouse features 'Pieowa' fi... - Albert Lea Tribune](https://news.google.com/rss/articles/CBMiwgFBVV95cUxQYTNBMmhvZDB3T2tybXU3OWVmcUNRT3dhVm1WM2o0UmlqVXY5YWRKV204VUNZbWRvYU5PdkJFQkM4cnVVMllxU0hWMVFscHJxQy1yT3o2djhKNllpSEl0SDMtWTRMbUxoY29hM3NQYW8tX1h2cXVMOFlRTXFqVzd4MFJabHZhSlppX1o1clFUSnF5eWlSZmtyRVN4aG9iSWZpVF9QTk5aclprR3BFYXFtNVRZYXlNQS1kT3pWR0V0czJjQQ?oc=5) · Albert Lea Tribune
- 2015-02-15 [Mary DeMuth Obituary (2015) - Mason City, IA - Globe Gazette - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxNX0hyREswb25Hd05ocjBOZFRqdUFWV1I1YU5KemEwTzZab1hqYXdsQ0l4NVpZUFN2RU01RElCM0RNbFFmX1J3a0NmNVlnSW84a2xwZEpOLVNmQVlUTF9nOUxWb0l0SUc1OGhqSWRzVlRwTXdJNE5nQ29lWURlWWd0S0pNZmx0b3RKaEVWa2R2eW4?oc=5) · legacy.com
- 2018-07-08 [Sally Halvorson Obituary (2018) - Mason City, IA - Globe Gazette - legacy.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxOQlVGN2tyODA1aldLV29HU0hKNkd0VGFVRFFpYlNfZHQtNnVNVEU0cXQ4WWxTTDUzR3BVLVlIeWR3eDBHZFVBYk11WVRoY19YNUxPMmZ0d29UYjd2VFc5NWlIN1RidVVqcG5zZVFQOVNQNXVOM0t3U01FdEpzeGlsWWk1ZU1mWHgwUmVGTXM3NlpCeHpFMWc?oc=5) · legacy.com
- 2017-04-16 [Evelyn Nickerson Obituary (2017) - Mason City, IA - Globe Gazette - legacy.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxOTDhpR25ua2poVnd3Ti15NS00LWpSS1JtNE9UdnNDLU03c3pjaFVxeVZJaW9mYU82dndIOW4tY3pubDUxV3JQTHFuR0Vxc3R5X3RiVHVWYTFQV0w3bERzMndzOGp4V25YQ1I1ZFF4U3ZRdV9EUWtEQnEwaXVFaTlFMEJpY2xzalFFTmJ2TU84VVB2VDJpdDRn?oc=5) · legacy.com
- 2009-01-14 [Mark Jorgensen Obituary (2009) - Mason City, IA - Globe Gazette - legacy.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxPY3RqZ1JLQmcwQ3dEMTNMQWdDRlpvZmZicGQ1Y21fQVZXci1BdkVOV1U4U0g0VFdWc19KUEJnaGRoaTJsUUJReXMyQWFIRVhqZTNncGpUWk9ackJzMUhob0h6aFVuN0lVUkpGZUg3NWhPbFk3bDd6SlNtbThsdVFQVmRmTWRILTR6NXdBMmE5cWswYmNK?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17259 (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/43.json (key "17259", 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