# JEFFERSON COUNTY BANK
DAYKIN, NE · FDIC certificate 17452 · asset band <$300M · latest filing 2018-12 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 (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 | $40.3M | |
| Deposits | $33.0M | |
| Loans and leases | $21.7M | |
| Total equity | $6.5M | |
| Loans / deposits | 64.85% (p30 of band) | 77.51% |
| Liquid assets / assets | 43.43% (p75 of band) | |
| Uninsured deposits / deposits | 12.97% (p37 of band) | 15.78% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.74% (p49 of band) | |
| FHLB advances / assets | 1.74% | |
| Tier 1 leverage | 16.33% (p87 of band) | 11.30% |
| Unrealized securities loss / equity | -1.76% (p51 of band) | -1.85% |
| AOCI / equity | -3.02% (p15 of band) | |
| ROA (annualized) | 0.64% (p26 of band) | 0.99% |
| Net interest margin | 3.48% (p30 of band) | 3.82% |
| Efficiency ratio | 77.90% (p72 of band) | |
| Noncurrent loans | 0.00% (p8 of band) | 0.53% |
| Net charge-offs (annualized) | 0.00% (p29 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 61% | |
| Construction % of loans | 0.00% (p7 of band) | |
| Auto loans | $731,000 (3.37% of loans; DQ 0.55%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -2.0% | |
| Employees | 6 | |

## Flags firing in the latest filing

- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | wholesale funding >15% |  |
| 2012-03 | 0 |  | wholesale funding >15% |
| 2012-06 | 1 | capital falling |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 0 |  | capital falling |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | capital falling |  |
| 2014-09 | 0 |  | capital falling |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | deposits shrinking |  |
| 2015-06 | 0 |  | deposits shrinking |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | uninsured deposits leaving |  |
| 2016-12 | 2 | assets shrinking |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 0 |  | uninsured deposits leaving, assets shrinking |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | assets shrinking |  |

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

- 2026-05-16 [Man arrested, charged in Jefferson County bank robbery - FOX 2](https://news.google.com/rss/articles/CBMikgFBVV95cUxPQmxBNDRtengyMzJoWkJpUnN5c0NWN3dDMm5zb1BhZFZBV3Mxald5NHhkN0xzM2E1M05kNm1MUHhEM1BnTnQ2TFk3dFVTZ2FRM0hTaVQ5Tk15X2N1U2QtSkpnMHlVeElzNUYtM0RYeUQ4dkVfb0JMa1ZxRUlIWDNkTktxN0FFQ2l4c3I3N1lvdFh0Z9IBlwFBVV95cUxPdDlLcmpKQ3NmQzJfX1U3eU1kdGljUHpCQ2RDSVhONFY0VlBPQ2Z5bnd1YU4zS1g5RS03SDBEcng1SnQ4c3NWNmVqV3Q2ckpGa3RzTlMwOHNjd1A1Z29Mdy1ZNjhndmZOOEhzTG4yOWFxM1FzSllyaTEzSHF3UXhLTzBRUzRROTN5VFNBT3RjVzliY3dscmhr?oc=5) · FOX 2
- 2020-01-29 [Trussville police: Bank teller used customers’ money on designer clothes, food delivery - AL.com](https://news.google.com/rss/articles/CBMizAFBVV95cUxQWXhqLTZ1RVo3MEVnUzVrX1NMeW9Vak9GSHh5RHpOa0tNbHlwblE5ZmtGNEhxYnN1akc5ck5PNTltTjB4eS1pQlR2R3dmRFF1Zm1CNU1ENHdPdWpBRjNWeUlxMk8ybzJVYWZySlk3UGJHa202ZXdjWndPSU5WWUd1ckFkNEFSRDREdWZwSDJCYzJ3cHVUMDNQWjBqZHplM2otU3FiYzVrWGZaR1o3TXVkTy13N2pPTVEzMnVSNW01aUtNVVN3R0xQQjdSRms?oc=5) · AL.com
- 2019-02-22 [Robber dubbed “Pompom Bandit” hits three Jefferson County banks in one week, FBI says - The Denver Post](https://news.google.com/rss/articles/CBMidkFVX3lxTE1QdDZ0eHQ3cnowRWwtOS0yZktpNWM2d2hUS1pBMnN3Mm1XbXVWMk11bncwUnUxNDIwR2l0UjBaR2hrNXF1RmZTdWxvZm9tVWJtSDBRcm9WSFJvX2ZTaWZ1b3Q3dVc5d1ZUdURJanZQbV80MTM4dHc?oc=5) · The Denver Post
- 2019-06-05 [After many deals, what Reliance's Brouster says about buying, selling banks - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOVDE0WURIeEs2WW5nWmlPOXhQWWh4RUVYbGZOQWl4Qm84VFlNWEZTSkF3cUxwRzRLcUZucV91N0JCWlZleUVYeEd5czc3c1lhRlBYdEhmT3hIUWJnNHJJYkJKd2lWUUJpUzhtU2lHREEwc1JZS2E5YjY3N2JnX0xzbi1Ub2ZGeDMwN3ZBTk1McGNQMExfck1SQXItQ296akZ4ZTZmWG1aWHpjZGM?oc=5) · The Business Journals
- 2026-07-06 [First Midwest honors Emerson, Johnson for decades of service - Daily American Republic](https://news.google.com/rss/articles/CBMiYEFVX3lxTE9keXk0WFdGLWU0NEtBWE1hUUkwVHVKZzZZcU9HWTVSOUJ6T0c5aTkxeklaWU83NDljT1pFQTNmaVVqWjczNmdlNENDbFZPU2RtNXIzdEN1Y2R2TDJ5OTNsag?oc=5) · Daily American Republic
- 2017-04-19 [The Founding of Jeffersontown: 220 Years Later - Towne Post Network -](https://news.google.com/rss/articles/CBMijAFBVV95cUxNbE5JVl9nM19RbXZqeWVFaHdqaUtrUTlwLXFWc3NqbFdYOTBscTg5bEtFRldMLWd4QUFyQzRTcUxHYjBjQ0pQbnVoTmthQ2N5UkwzTy1KZnIzQ0I1V25aZ2Q5czQ3SHBEQUppOThjOWp0by04eVFKbm9taFE5UkY3VGRNbU1FdDQzRXRWWA?oc=5) · Towne Post Network -
- 2025-06-16 [These 5 former banks have been turned into restaurants, bars, coffee shops in Louisville - The Courier-Journal](https://news.google.com/rss/articles/CBMi2gFBVV95cUxPdmhqVlFyWV85dld1Q0o1QmI5STFmbFNGbFhXeGxhTUtBR0kwUGRCdGl6X3FsSVFQWmFaUzkwNDh6bzRINTJzN000NXdiaXNSem1IT3M5Z2ljZ2thVGNHNHM2ZjZxbXFYVmtiV1J4THhsOFFOaUM2b0ZKNGwtMktycTV2SUE4TjROakJIcnVxcF9teERySmZielpaVnpOVDJnbXBxMy1TaGR1OFRWU0Z2RWJ3VlRnd01EUU9PeDRQdzZEUlhfbUFXYXBDQ1NUYmpkRnJWOGVadDRxQQ?oc=5) · The Courier-Journal
- 2018-05-02 [Mary Fedoruk Obituary - Sun City, AZ - Dignity Memorial](https://news.google.com/rss/articles/CBMigAFBVV95cUxORnpyX054enhOM29ybWpOdG5DbGJXb2xTRWNYeFR5SUItby02Z2l5WnNlSGR0RFEyMzJzOWxkeWk0U3hzRDl0cGJZMHExZ0dDY2NpbFhhMXhTNS1EY0xVRWRFWFlNX0dLQUx3cFg3aS1CMlNfUW00THVXaXNNNHE4NQ?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17452 (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/44.json (key "17452", 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