# MAQUOKETA STATE BANK
MAQUOKETA, IA · FDIC certificate 17903 · asset band $300M-1B · latest filing 2026-06 · live

**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 | $429.0M | |
| Deposits | $327.4M | |
| Loans and leases | $224.4M | |
| Total equity | $67.5M | |
| Loans / deposits | 67.72% (p21 of band) | 82.04% |
| Liquid assets / assets | 42.17% (p85 of band) | |
| Uninsured deposits / deposits | 38.61% (p86 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 7.25% (p68 of band) | |
| FHLB advances / assets | 2.07% | |
| Tier 1 leverage | 16.45% (p93 of band) | 10.81% |
| Unrealized securities loss / equity | -12.65% (p37 of band) | -8.10% |
| AOCI / equity | -1.48% (p13 of band) | |
| ROA (annualized) | 1.44% (p61 of band) | 1.28% |
| Net interest margin | 3.29% (p19 of band) | 3.91% |
| Efficiency ratio | 55.02% (p31 of band) | |
| Noncurrent loans | 0.52% (p55 of band) | 0.43% |
| Net charge-offs (annualized) | -0.02% (p5 of band) | |
| Reserve coverage of noncurrent | 232.32% | |
| Real estate % of loans | 48% | |
| Construction % of loans | 11.06% (p16 of band) | |
| Auto loans | $4.3M (1.91% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -0.9% | |
| Employees | 53 | |

## 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 | uninsured deposits leaving |  |
| 2012-09 | 1 | reserve under noncurrent | uninsured deposits leaving |
| 2012-12 | 2 | uninsured deposits leaving |  |
| 2013-03 | 2 |  |  |
| 2013-06 | 1 |  | uninsured deposits leaving |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 | uninsured deposits leaving | reserve under noncurrent |
| 2015-06 | 0 |  | uninsured deposits leaving |
| 2015-09 | 1 | reserve under noncurrent |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 0 |  | reserve under noncurrent |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | reserve under noncurrent |  |
| 2016-12 | 0 |  | reserve under noncurrent |
| 2017-03 | 1 | uninsured deposits leaving |  |
| 2017-06 | 1 | charge-offs p90 | uninsured deposits leaving |
| 2017-09 | 2 | reserve under noncurrent |  |
| 2017-12 | 1 |  | charge-offs p90 |
| 2018-03 | 1 |  |  |
| 2018-06 | 0 |  | reserve under noncurrent |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2020-06 | 0 |  | charge-offs p90, reserve under noncurrent |
| 2020-09 | 1 | reserve under noncurrent |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 0 |  | reserve under noncurrent |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 2 | NIM <2.5%, reserve under noncurrent |  |
| 2022-06 | 2 | AOCI drag >20% of equity, noncurrent p90 | NIM <2.5%, reserve under noncurrent |
| 2022-09 | 2 | securities losses >30% of equity | noncurrent p90 |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 | deposits shrinking | AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-06 | 2 | securities losses >30% of equity |  |
| 2023-09 | 4 | reserve under noncurrent, assets shrinking |  |
| 2023-12 | 0 |  | deposits shrinking, securities losses >30% of equity, reserve under noncurrent, assets shrinking |
| 2024-03 | 1 | NIM <2.5% |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 | reserve under noncurrent | NIM <2.5% |
| 2025-06 | 0 |  | reserve under noncurrent |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | reserve under noncurrent |  |
| 2026-06 | 0 |  | reserve under noncurrent |

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

- 2024-04-16 [Shred old documents at First Central State Bank events - Quad Cities Business Journal](https://news.google.com/rss/articles/CBMijwFBVV95cUxQUDkwRm41OWdlaFVnWDlOcVV5RXF5Z3dKZjFUZVdjUGdZRlNMXzNEMklocU4tZ2s2TnU4OWVGX1JmN1ZlZWRtVFcweklaNVpRaElvdl9qOERKeXl4THFTT2xFM3NJUnc0WU15MC0tSWg1NWdOMTRLMXVEY192ZzhmZTNYeE1qaWpGdGNkbnhfSQ?oc=5) · Quad Cities Business Journal
- 2021-05-24 [Obituary information for Bernice Ethel Watters - Carson Celebration of Life Center](https://news.google.com/rss/articles/CBMigAFBVV95cUxPQXFKYmtaR2JRUWNJYWprTmo4LWdlczFmTVdJMXZKZWZ2ZTZJdUhfOEVmbDZvSm84TUlnUm43SlRGWl9KWV90OEdFMVhHeHltNTZUbF90bXNMUTVCX2M0V19KVmFnT1Q1Z3phZTBTZXRTWFRPS2Nyc081TFZBOWNNTg?oc=5) · Carson Celebration of Life Center
- 2025-02-26 [First Central State Bank announces promotions - Quad Cities Business Journal](https://news.google.com/rss/articles/CBMigwFBVV95cUxNZ1RwaHBSV0pfRDZubk8wclVwWVA0YUM1czl2WC1CRzlkR29SUmJ4U0QybDNxZzJYc05RbDl3MUNLdU16QWZ5MzFJaldFajRsQndiZ05FRWczcHFWQ0dGS2tMcHBkTXpCNzlwX3pyeVdyVlNmbU5XZVAxN1l6eXJNWm51Zw?oc=5) · Quad Cities Business Journal
- 2010-09-21 [EDWARD TUBBS Obituary (2010) - Maquoketa, IA - the Des Moines Register - legacy.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxPMGlKQlNKNDhSdFdJM01Bb1FWSmJGVEFwNGQwcXFsSVRKYzJXa09ueWVoVTdDZ3RZeUxGcTR2Y2lacmlxWkpuWUFHcEh2WDJjS0VjbExXbS1xMkFFYlhNa3pEUFJQWGZpWl8teGZRRTZUWG5RR1dBbVctUklrMEo2QTJwczRyOEZGVXRPaFlndEx4UmpJcmpOeQ?oc=5) · legacy.com
- 2014-10-03 [Obituary information for Helen M. Hute - Carson Celebration of Life Center](https://news.google.com/rss/articles/CBMidEFVX3lxTE1NV1A1ajlROUpodENFR2JnWXROWWNmMTJPYldpVFZnRjZiYkgtQkFra1RfcGRucU9zNkZkMEpBOHhmaEVQeXFkZWFPQUxneXVSREJheEc1VW9Mb0lTQ1h5TUlSZ2xLRHRfVDVlOUctblhIdzRS?oc=5) · Carson Celebration of Life Center
- 2006-04-10 [Obituary information for John W. Fagerland - Carson Celebration of Life Center](https://news.google.com/rss/articles/CBMiekFVX3lxTE0ySHByd25uOFZfa3BpWGx6YlN3RkJpZV9hZ01HeEQ3Umd3WENCRDUwVmFUSEd5dnoxeldOU3JNeThRV01PV05vNDZRZldnU3VmazllZlg3OExCVHlLUFF4ak16QVVrX3NFbzgwc2pPNG8wdTBNQUVvVTln?oc=5) · Carson Celebration of Life Center
- 2010-08-18 [Obituary information for Krista L. Grant - Carson Celebration of Life Center](https://news.google.com/rss/articles/CBMid0FVX3lxTE5zRE0zTmtEb0NoeE1mcng2ZFNKOG41V0FKQlVRbVJBalNFSG94SDdJajQ3N3BCQW5RUGt2aUlKcVBLZmNTWXk2OEJ1V0pfYTYxVG5fZW5xYlhlaGF6bjZJRTdYNldGWmN4VEp3dWgtWjR3Y0tIU3RR?oc=5) · Carson Celebration of Life Center
- 2002-09-23 [Obituary information for Patricia J. McNabb - Carson Celebration of Life Center](https://news.google.com/rss/articles/CBMie0FVX3lxTE1zTXprVnhnSjNBa05GdjBXTkdnXzB0TUlLYjQyYTFyalQzMjVxdllVQUtFdS12TnFfMDVHdTZUMHo5S1hnN3hoSFpvTlFzamRiREtTc2t3WHFtNG9PenBWcTFtUDkzMHNkeEhXRWZuWU9RRnhEWHBxV3hXMA?oc=5) · Carson Celebration of Life Center

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17903 (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/47.json (key "17903", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide