# STATE BANK
LA JUNTA, CO · FDIC certificate 1778 · asset band <$300M · latest filing 2025-12 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $145.0M | |
| Deposits | $118.7M | |
| Loans and leases | $74.2M | |
| Total equity | $26.0M | |
| Loans / deposits | 61.54% (p33 of band) | 73.21% |
| Liquid assets / assets | 44.40% (p70 of band) | |
| Uninsured deposits / deposits | 32.85% (p85 of band) | 19.45% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p22 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 18.14% (p88 of band) | 11.56% |
| Unrealized securities loss / equity | -5.27% (p53 of band) | -6.10% |
| AOCI / equity | 3.07% (p43 of band) | |
| ROA (annualized) | 2.25% (p92 of band) | 1.04% |
| Net interest margin | 4.76% (p85 of band) | 3.83% |
| Efficiency ratio | 48.66% (p8 of band) | |
| Noncurrent loans | 0.54% (p59 of band) | 0.34% |
| Net charge-offs (annualized) | 0.01% (p58 of band) | |
| Reserve coverage of noncurrent | 296.04% | |
| Real estate % of loans | 73% | |
| Construction % of loans | 17.58% (p49 of band) | |
| Auto loans | $1.1M (1.47% of loans; DQ 0.00%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 14.5% | |
| Employees | 25 | |

## 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 | 2 | noncurrent p90 |  |
| 2011-09 | 2 | charge-offs p90 | noncurrent p90 |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 | capital falling | charge-offs p90 |
| 2012-06 | 4 | losing money, expense ratio p90 |  |
| 2012-09 | 3 |  | capital falling |
| 2012-12 | 1 |  | losing money, expense ratio p90 |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 2 | noncurrent p90 |  |
| 2013-12 | 3 | capital falling |  |
| 2014-03 | 1 |  | noncurrent p90, capital falling |
| 2014-06 | 2 | expense ratio p90 |  |
| 2014-09 | 2 | capital falling | expense ratio p90 |
| 2014-12 | 2 |  |  |
| 2015-03 | 1 |  | capital falling |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 0 |  | reserve under noncurrent |
| 2017-06 | 1 | reserve under noncurrent |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | noncurrent p90 |  |
| 2018-06 | 0 |  | reserve under noncurrent, noncurrent p90 |
| 2018-09 | 1 | reserve under noncurrent |  |
| 2018-12 | 2 | capital falling |  |
| 2019-03 | 1 |  | capital falling |
| 2019-06 | 1 |  |  |
| 2019-09 | 0 |  | reserve under noncurrent |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | reserve under noncurrent |  |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 3 | noncurrent p90 |  |
| 2021-03 | 2 |  | capital falling |
| 2021-06 | 0 |  | reserve under noncurrent, noncurrent p90 |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | reserve under noncurrent |  |
| 2022-03 | 0 |  | reserve under noncurrent |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 2 | deposits shrinking, assets shrinking |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 0 |  | deposits shrinking, assets shrinking |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 1 | capital falling |  |
| 2025-12 | 0 |  | capital falling |

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

- 2026-09-09 [First State Bank merger with Bastrop bank complete - Colorado County Citizen](https://news.google.com/rss/articles/CBMiowFBVV95cUxNUVVUT283T3NSdFZxWm1lNzlSdS0wS1R5UlNGX3FTYnNFT3gxWVdGTy03dDUtQmN0eW9yTHd0d0R0ZW43UUpFQ1JBV0E1SGFlUnp3YTFzNDh5MjM1MVg4VkptSXVtc19KR1EybW1lZUV0RWZWLUJsTDJfd2d1aVFEQkxYWFJaNUNrY1BRZDc4bmRuZzJyRVc1TldYWUZwUVBzT3pj?oc=5) · Colorado County Citizen
- 2026-09-03 [Dogwood Bank co-founder rises to new leadership role following acquisition - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxNVW0zN1JqcnV2dzUwZFVsVW1yOERnU3lTczVLaVNONlNMd0ZqRFJsNFZ5R3ZEeG5PUEs2ME1NQzJvX3ZfUndnRFZOTUM5VkxJMlA4emVZaDJnemYxVTlzcmZjUjZIVUhLTjl2bDloRFlfeXVkTVVRQ2hSZXFLejcwOF83WVJGWVd5VERwSWw4dUs5N01jbThWZFR4dkc4TU1PeEFHNnFyOA?oc=5) · The Business Journals
- 2026-08-11 [Illinois’ HBT to buy in-state Tri-County Financial for $204.6M - Banking Dive](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPcGU1TWVsWXNOZEx1bGVvMGo1Z1NOaktDX2dnSXhDQlNsS1lqb05KMHZ6SktmbDBhR1NnRUt0clVsMEZTRFBjSUtuOUdsQ1p4VEYwT2J5RjY4ODRObU5zTDNKUDgzTlF2X0ZTbjdxQjdOUktvWnVUWUltenVkSHhvcDNDaWpTZzFMZUhfN21RMmR0cEV2aDRmb1pnTTNmSEV5RHp2Z1RhcG4?oc=5) · Banking Dive
- 2026-05-20 [Bank First Corp. signs agreement to acquire Peoples State Bank’s parent company - Wausau Pilot & Review](https://news.google.com/rss/articles/CBMivwFBVV95cUxOeHRXOFp2TlJYUDVta0dCa3BKLXI3VFlVM1FRaGJvYTdWczVFZ1FkQklHTUdLaDgySW5IZkJaZ2QzRkUyUTdjeTZpMm80cjJlVzBkVHhTNzZJd0NDTVFYVFFDZERNM0tmWE0yc1VvN0RpV0s4VXgyR1YtRHQwZll0UkxtVFlYV2liYVBlaEFmeFoxeU5LcDROMU80cmw0RmNyVGxHSXdiOFlDTHctU253NUNPd1BFOXUtckk2UHd1MA?oc=5) · Wausau Pilot &amp; Review
- 2026-05-19 [Brownsburg-based State Bank to open first Marion County branch - ibj.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxPQ09lZkhGSXBYU3pnX2dvRUtwbkp5OHhUdkt1dG56WldTVjNiRVY4cXBfa0p6V3psWnZFUDE2YTFlbXZ2ODY3bVZPeGxqVkFtS2haQTVGc3NhUV9uTi1oN3ZZRlp1blNaZVpJOVdSazJnMTVNTXM1ODV2LWlGUXkydklBelN4RUhSOUxqQnRMTlZBdlkweFE?oc=5) · ibj.com
- 2026-08-03 [United Community Banks, Inc. Announces Completion Of Merger With Peach State Bancshares, Inc., The Parent Company Of Peach State Bank & Trust - Yahoo Finance](https://news.google.com/rss/articles/CBMiowFBVV95cUxPeTJFaURxMnlRZDl5TGRrYnFTTWIwY255YXZUc0hEZDR4YVVsYmpfV0NTMV9PMHRCbnBvNWJ2eEptM0lnODEyZndadmx2emxDZ1BpUnlGQlpHNldIUkppSUpfbnRSTnJSMkRmc2JOaDdCRzIzRHo1SnlCR3p1Zmk1aXNYem9YMFpnOW5WZ3V5OXJZUW14WUptbmlacHI0WlRORElz?oc=5) · Yahoo Finance
- 2026-08-27 [JPMorgan Chase & Co. $JPM Shares Sold by Iowa State Bank - MarketBeat](https://news.google.com/rss/articles/CBMiswFBVV95cUxQSTY2QmROOUYycF8xeWRyYWRzcHJpbU9CRjV3ZTMwbGRxSk53MlhJU0VxNnBkbnNvY0dubUdnSEsyU0FObUp4bjdCb2VHa3ZyS29VTGhqWW1ucUJ3WjRaV3ZBM2x3RmtHZnptWS1OUEVPNGZ0WDBacENuaUkwR3VBb1RSZ3JHX1dYb3UwcVlpTjJhekowYTZ5dVZzUWtPOUhyZGo4cHJKRWNQencyeTczNmUwcw?oc=5) · MarketBeat
- 2026-05-19 [Bank First Corporation Signs Agreement to Acquire PSB Holdings, Inc. - PR Newswire](https://news.google.com/rss/articles/CBMivwFBVV95cUxOeG1jR1dOeXozZUNVc21Bcm1IaEZYTnBRZVEwTDExMklwZGxvRDNLUlhiUURrOUFQRGdXU0JzdEJmLUIydS1kOTJUTWM2amxEUFRXcnFvM0h3UTBCaHhJV0VzcjFkOGpUcUxEUy1OR3hxN1JjZnFMeE5jTkJfSFJjc1NFV3R1bElxbzNXNDFRWHRfcjJMOUNYcU5tUjhvOWVvQkhvMG00N3hKMlB6YXhLbU9Ba0RUbVJRZEdwMTVFZw?oc=5) · PR Newswire

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=1778 (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/50.json (key "1778", 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