# DECATUR STATE BANK
DECATUR, AR · FDIC certificate 17346 · asset band <$300M · latest filing 2014-09 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $128.8M | |
| Deposits | $112.4M | |
| Loans and leases | $97.5M | |
| Total equity | $16.2M | |
| Loans / deposits | 85.77% (p77 of band) | 71.36% |
| Liquid assets / assets | 17.20% (p14 of band) | |
| Uninsured deposits / deposits | 14.73% (p59 of band) | 12.72% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p17 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.37% (p63 of band) | 10.52% |
| Unrealized securities loss / equity | -0.50% (p28 of band) | 0.17% |
| AOCI / equity | 0.28% (p31 of band) | |
| ROA (annualized) | 0.18% (p13 of band) | 0.81% |
| Net interest margin | 5.80% (p99 of band) | 3.65% |
| Efficiency ratio | 77.81% (p61 of band) | |
| Noncurrent loans | 3.53% (p89 of band) | 0.86% |
| Net charge-offs (annualized) | 0.67% (p96 of band) | |
| Reserve coverage of noncurrent | 31.72% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 23.78% (p61 of band) | |
| Auto loans | $621,000 (0.64% of loans; DQ 16.75%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 1.4% | |
| Employees | 28 | |

## Flags firing in the latest filing

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

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 6 | brokered >10%, wholesale funding >15%, losing money, noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 4 |  | brokered >10%, wholesale funding >15% |
| 2011-09 | 10 | brokered >10%, wholesale funding >15%, leverage <7%, leverage <5%, capital falling |  |
| 2011-12 | 11 | expense ratio p90 |  |
| 2012-03 | 15 | construction >100% equity, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2012-06 | 14 |  | capital falling |
| 2012-09 | 11 |  | brokered >10%, wholesale funding >15%, construction >100% equity |
| 2012-12 | 9 | NIM <2.5% | losing money, charge-offs p90, expense ratio p90 |
| 2013-03 | 11 | losing money, expense ratio p90, charge-offs p90, construction >100% equity | uninsured deposits leaving, NIM <2.5% |
| 2013-06 | 6 |  | leverage <7%, leverage <5%, charge-offs p90, construction >100% equity |
| 2013-09 | 4 |  | assets shrinking, expense ratio p90 |
| 2013-12 | 2 |  | deposits shrinking, losing money |
| 2014-03 | 2 |  |  |
| 2014-06 | 3 | losing money, charge-offs p90 | noncurrent p90 |
| 2014-09 | 2 |  | losing money |

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

- 2015-01-05 [Grand Bancorp Completes Acquisition of Decatur State Bank - Talk Business & Politics](https://news.google.com/rss/articles/CBMilgFBVV95cUxONkMzMUdOdmhCR0wwajFWNXNWTHNYNWpKM0hrek1xYUxpazNuMmwxMUxZdFZlRnkydW8zWlVwMUJkbWstWThMZk9QSElyejVCZk96QkdHMFE0YUFVaDhTWWdZY0szRlN2SjRuRGZxd3d4bFM0U2c5N09UeFo0VXo2ak9BU3pnZ1JUZllkcW5MNFRpMnQzdFE?oc=5) · Talk Business &amp; Politics
- 2024-08-05 [Grand Savings Grows Footprint in Northwest Arkansas - Arkansas Business](https://news.google.com/rss/articles/CBMimAFBVV95cUxNSFlNU2gtdnNsdy1uNFVRSkNURkFHM1NHRFFYY2d0RzMyMFAwRzRQcjVSZnhHZE5KN0RxUHcxaVJlbEo2ZTM3UmVkaFBXZXZlZzQ2dkMyWWJ5cUpWVS1JQWdlcWRKZGVYU0JieUEtUkpjd0VLOTAxdEs2UXoySGlsMGJ1ZXRsNFJSQVl6N0gzM2MyLVVteHZfVA?oc=5) · Arkansas Business
- 2014-10-10 [Grand Savings Bank to Buy Decatur State Bank - Talk Business & Politics](https://news.google.com/rss/articles/CBMihAFBVV95cUxPNGdoMXhGWUJZRzBiTmo0NWp6UGo2ZVQ0OGV3VVBKM3ZhcWg0UlZHRHdwS1E0bVd5c2l3dm9wdmNVTFRPRm5BRTVReUlJYWJKY0JZMWM2ZmhQanVkR1c4LUJhX2NyLWx6WTlQenRMblJQYy1NUm00cThybHRBd2cydDd6NTQ?oc=5) · Talk Business &amp; Politics
- 2011-05-18 [Austin to retire as CEO of Bank of Siloam Springs - hl.nwaonline.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxNbXp4OHNXb3lINnB2MzRlS01VblhjR21xM0ZRZm9SaUYzT2NYUHJXUDJTcEl2NDFWRUNJQ0N1YkI5dzJsMTVJVUJ5eVhkREoyTC1hUW5MY2Fjd01YT0lkQWFDTkRMSFNKOFp0cklFVnc0d3M1RGlFYnkyZkxHVjRoWVdkUUx2dVdaSExZanJGcExzY0U?oc=5) · hl.nwaonline.com
- 2011-06-29 [Londagin named new bank president - Westside Eagle Observer](https://news.google.com/rss/articles/CBMilAFBVV95cUxOSTdZbGtpVExTaUhEU3hhSHZRY042OWpWNnNESmpPZ3hXUTNsRDktVDJFUXZPOEkyRWkwdWRkbjk0WDJLeFFKZ0Rmc1FzLTF5Q2RjWm5KYzdma1pibEt2Mk90a2o5RW1vZXh6SWtDR0ZmR2pzSXBFU0Z6RWVfcjB1YXU3ZFpQRzhIdjd3Wmp6OXZoNVlZ?oc=5) · Westside Eagle Observer
- 2021-01-27 [Obituaries - hl.nwaonline.com](https://news.google.com/rss/articles/CBMiY0FVX3lxTE1MdFVuWG9peXlPbVZfQ29na3pGa2VOQmxHdWRZcVg1TkxURGZWNlRZM2k5eHlGS0NWQVNNTFE0QTNvR3JQRkNFOUtnbEMtR1JqVUt2bW5kUFBlRTZHbHZyWTFIRQ?oc=5) · hl.nwaonline.com
- 2022-08-15 [Forty Under 40: Josh Vasquez - Talk Business & Politics](https://news.google.com/rss/articles/CBMibkFVX3lxTFBlWjh2NGdJVkU5ZTJ2eWNkSTZ5WnBoZFQzdXFiX0oyTDV3aXZoTGIzZkQzV1RBU0tPMEdPQmxZNUFzWFZ5VnV3N09jbkhtNjNUbTl3YUhOa2ozTVVkcHIyNXhZOGY2NllEc3JwUG5n?oc=5) · Talk Business &amp; Politics
- 2018-07-17 [Bob King, top executive at The Bank of Fayetteville, hired by Grand Savings Bank - Talk Business & Politics](https://news.google.com/rss/articles/CBMisgFBVV95cUxOZUVlMU9LVzBBdDFxdlV1dHpkZzJNa3NqUlBkdXRPb1hYRkZyWnJLMG5sckVhVDBzNF9aNmFWVnZMZm5sT1RvMGdhMEpmVkRHbkl0ODRUUTBaMUVybzVnYW5VU05xS0wzSnpQR3k2Y0tWY3ExWk1FbFJ4VG1HNHRCa0RrV3F6V3lOVFR2Yk1uY09KeTNvdlJvZVNiZGRLNzljRFJLRUE3ZFVDUnRyWHBfZ3RR?oc=5) · Talk Business &amp; Politics

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17346 (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/2.json (key "17346", 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