# PANORA STATE BANK
PANORA, IA · FDIC certificate 18001 · asset band <$300M · latest filing 2019-06 · 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 | $69.8M | |
| Deposits | $52.9M | |
| Loans and leases | $31.6M | |
| Total equity | $10.4M | |
| Loans / deposits | 59.44% (p22 of band) | 77.89% |
| Liquid assets / assets | 48.26% (p81 of band) | |
| Uninsured deposits / deposits | 15.63% (p49 of band) | 15.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 8.96% (p81 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.30% (p15 of band) | 11.44% |
| Unrealized securities loss / equity | 7.35% (p98 of band) | 0.54% |
| AOCI / equity | 6.77% (p87 of band) | |
| ROA (annualized) | 1.46% (p75 of band) | 1.03% |
| Net interest margin | 3.22% (p19 of band) | 3.82% |
| Efficiency ratio | 41.24% (p2 of band) | |
| Noncurrent loans | 0.00% (p8 of band) | 0.54% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 76% | |
| Construction % of loans | 47.39% (p78 of band) | |
| Auto loans | $187,000 (0.59% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 4.8% | |
| Employees | 7 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | uninsured deposits leaving |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 2 | deposits shrinking |  |
| 2015-06 | 0 |  | uninsured deposits leaving, deposits shrinking |
| 2015-09 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2015-12 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | uninsured deposits leaving |  |
| 2016-09 | 0 |  | uninsured deposits leaving |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | uninsured deposits leaving |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 3 | capital falling, NIM <2.5%, assets shrinking | uninsured deposits leaving |
| 2018-06 | 2 |  | capital falling |
| 2018-09 | 3 | uninsured deposits leaving |  |
| 2018-12 | 1 |  | NIM <2.5%, uninsured deposits leaving |
| 2019-03 | 0 |  | assets shrinking |
| 2019-06 | 0 |  |  |

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

- 2018-04-24 [Dentel reflects on career at Victor State Bank - Iowa City Press-Citizen](https://news.google.com/rss/articles/CBMivAFBVV95cUxNUnRfMGtWUmR2RUpCQ0ZpZXlvZDc0bkRtdWxwSWRTNUd2UzZtM3Y2Z0JkZFZFV29pRm00VVhaY3Z3NVc0dXJMQkZXNFh5amJKejdXTDdXQXB2eEdJVFAwdHNzMnBmcDdHY0hpczJETUhpZ0QtdDZWdUwxa01RdDBGdGF0WlNnQnplTmU4LTR5WnE5dGpBcVMySUY1WHV2LTFJQU9zeWo5bUZvMk9CbGs5MjkxVjNDYmtQY28xRA?oc=5) · Iowa City Press-Citizen
- 2009-10-09 [Larry L. Wenzl - hamiltonsfuneralhome.com](https://news.google.com/rss/articles/CBMiYkFVX3lxTE1wX0RYd1JoaWlDZG1wSWItSUxPWHhOOHJxQWw5UkJGMnlxQ0RTREEwZm41bkptN2ZkNXg2czYtakFUYUNCUjJicm9WY0RLNlZEZlhQTXA0T3AzSUlsRTNmcC1n?oc=5) · hamiltonsfuneralhome.com
- 2024-08-25 [Donna Jean Johnson Obituary (2024) - Guthrie Center, IA - Twigg Funeral Home - Panora - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxQczgxVVR0WjhhNUhiVzlBTlZETm5jdWhldXY3bGpfbV9RbElDRjJKNWVyekdwUHJTRENuSzRibWlDaWFjM1RaSExyVWRvdE15X0NwT0pyZ2xPc1ZOelZwQkd2eWpaMlBaQUZSQnFYTExHNGtVT1dVUU5uWkJIZ0I4aHhB?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=18001 (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/17.json (key "18001", 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