# EMMET COUNTY STATE BANK
ESTHERVILLE, IA · FDIC certificate 18347 · asset band <$300M · latest filing 2012-09 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $83.0M | |
| Deposits | $75.3M | |
| Loans and leases | $37.7M | |
| Total equity | $7.5M | |
| Loans / deposits | 49.29% (p18 of band) | 69.20% |
| Liquid assets / assets | 52.03% (p80 of band) | |
| Uninsured deposits / deposits | 12.91% (p72 of band) | 8.50% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.14% (p37 of band) | |
| FHLB advances / assets | 0.14% | |
| Tier 1 leverage | 8.99% (p28 of band) | 10.13% |
| Unrealized securities loss / equity | 3.89% (p51 of band) | 3.81% |
| AOCI / equity | 2.66% (p89 of band) | |
| ROA (annualized) | 0.63% (p40 of band) | 0.80% |
| Net interest margin | 2.95% (p13 of band) | 3.77% |
| Efficiency ratio | 77.77% (p61 of band) | |
| Noncurrent loans | 1.04% (p44 of band) | 1.27% |
| Net charge-offs (annualized) | -0.04% (p6 of band) | |
| Reserve coverage of noncurrent | 147.06% | |
| Real estate % of loans | 58% | |
| Construction % of loans | 3.21% (p24 of band) | |
| Auto loans | $470,000 (1.25% of loans; DQ 5.32%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 3.8% | |
| Employees | 21 | |

## Flags firing in the latest filing

- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 1 | reserve under noncurrent |  |
| 2011-12 | 0 |  | reserve under noncurrent |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 1 | reserve under noncurrent | capital falling |
| 2012-09 | 1 | uninsured deposits leaving | reserve under noncurrent |

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

- 2026-05-01 [Patricia A Hasbrook Obituary | Henry-Olson Funeral Home and Crematory | Estherville, IA - Tribute Archive](https://news.google.com/rss/articles/CBMiekFVX3lxTE5mY3h6bEF3c2lIYUxmZjBmYi1oTWQzcC0yUldsYW5HbXFKVDAtQ1FzcWU3MVhNU3F2OWhWNHVlWW9VUU1rM2h5VWdDNjliWHZRZDFXSFlSTGIyYl82Z1IxZlpzdlhCSGZzdFc0d2N6Q0lTV1pPWHl2ckR3?oc=5) · Tribute Archive
- 2025-10-01 [Carol J Shipley Obituary (2025) - Graettinger, IA - Henry-Olson Funeral Home and Crematory - Estherville - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxQdUJYYTlnZHlRN3QwZDFjb19wTW9sRjllbHNBTVdZTmlYUzU1OWZMcW9ncFBhTzJKc0Z6bWRVelBicUVRYWxOTjNnV2NNSDJVOXdjbUtLczRITzM3eXY1dFBqVE9Iemx6X3dFeHJWVzBxVTNJWm5UbEswNkE4cUg0Y0ZB?oc=5) · legacy.com
- 2013-06-03 [Clifford M. Hunt Obituary - Northwest Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMif0FVX3lxTE1zdU5xQTNjZFhtekxtRjh5aXh1VjNSYXdrNy1jMm92TUxrWHRDdXNDVlJ3SHdUTDlVc1BjTm9GYWNzX29wQnI1TjdSVFlMT0xFdE9XUlg0eENvM2VIaktyRkJOWGZIVzgyTE5fd1NnajZCYXRybXlvY0pHMWU2VTg?oc=5) · Northwest Arkansas Democrat-Gazette
- 2019-03-19 [Patrick G. Hagan Will Retire From Fareway In May - The Shelby Report](https://news.google.com/rss/articles/CBMihgFBVV95cUxNc1hZYUVRbzBUZWRBazhlTk5YTUl2NWVCOTRzamgwZTJDVFltNktXakJoTDR1c2xGLTViVDJwdzBxeXJXNHJpT2NLcUx5eFp3VjlwYm5oVGkwTV9rd1NsWGlkMThDVlVGVUdOcmtobEh3RmdSTnluTldhUk9qeEM0ZlBxcVJfQQ?oc=5) · The Shelby Report

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=18347 (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/43.json (key "18347", 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