# NORTHEAST SECURITY BANK
SUMNER, IA · FDIC certificate 18384 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. 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 | $461.9M | |
| Deposits | $379.1M | |
| Loans and leases | $271.9M | |
| Total equity | $51.0M | |
| Loans / deposits | 70.67% (p26 of band) | 82.04% |
| Liquid assets / assets | 35.12% (p75 of band) | |
| Uninsured deposits / deposits | 30.79% (p69 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 6.16% (p63 of band) | |
| FHLB advances / assets | 4.19% | |
| Tier 1 leverage | 10.77% (p50 of band) | 10.81% |
| Unrealized securities loss / equity | -14.43% (p33 of band) | -8.10% |
| AOCI / equity | -1.37% (p15 of band) | |
| ROA (annualized) | 1.22% (p46 of band) | 1.28% |
| Net interest margin | 3.20% (p16 of band) | 3.91% |
| Efficiency ratio | 52.26% (p23 of band) | |
| Noncurrent loans | 0.00% (p4 of band) | 0.43% |
| Net charge-offs (annualized) | 0.15% (p89 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 66% | |
| Construction % of loans | 0.00% (p2 of band) | |
| Auto loans | $722,000 (0.27% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $4.8M (9% of equity) (p97 of band) | |
| Deposits YoY | 10.5% | |
| Employees | 45 | |

## 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 | 1 | capital falling |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 0 |  | capital falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | capital falling |  |
| 2019-06 | 0 |  | capital falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 3 | AOCI drag >20% of equity, securities losses >30% of equity, assets shrinking | capital falling |
| 2022-09 | 2 |  | assets shrinking |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 | capital falling | AOCI drag >20% of equity |
| 2023-06 | 2 | NIM <2.5% | capital falling |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 0 |  | securities losses >30% of equity, NIM <2.5% |
| 2024-12 | 1 | deposits shrinking |  |
| 2025-03 | 1 | capital falling | deposits shrinking |
| 2025-06 | 2 | deposits shrinking, uninsured deposits leaving | capital falling |
| 2025-09 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | charge-offs p90 |  |
| 2026-06 | 0 |  | charge-offs p90 |

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

- 2020-07-15 [Northeast Security Bank, Sumner announces intentions to acquire First State Bank, Sumner - Community Newspaper Group](https://news.google.com/rss/articles/CBMivgJBVV95cUxNeXB0QzdWcE1xWDRkWnpWdzNxVUc5Z180eV80X1lNeEZISWszdDZPYV9uQ3pLM2RvT1hRTzlrM3QxNE40TC1WVWpNS2pqVTlCUlVza01TSE9QMkYxaFJpd1Q2SFB1ejVVSm1fbUFWT2ZwcWVUQ21XZFRJRFFQNEZPUzJsWXZ6a1AtQWp2aGJWTUlwTWxpYnhmUXp4VUNOQzZXLVNuRWNnOWVIbS1FMjV6ajE5VWFNTHBPNVJ5elBheXg3bWZvRl9sSHF6dnBJY3htU0JwcVBOWjlBS21jZU5HTjBhaUkzNk85UUtkUG5FY0lDSGtEZXZ3WWRqTW9NSlY5RHU2SzM1aF9CS2RRYzFNRHNKUVlhSzhJbDhQeXNqdnBSQ3FSMkVpbmtZMm5xTldDWXJsX0Y3bHY0LW9QTkE?oc=5) · Community Newspaper Group
- 2022-05-27 [Northeast Security Bank Independence Donation - Community Newspaper Group](https://news.google.com/rss/articles/CBMi-AFBVV95cUxQdW5MN2R5NEZVc2J2NDR2T1RGSkRLRHlNb1AteXRXZkZUakRfOWFOaXhPU2wyWHlyZUttZFJsbWdBUlZIRjFLSVN4dVRWZmhmMGJxWGNBdHNWMUl0N0hzeXFEX0tEQWQ4Ql92M0tlS1k1VUN1YTRWUUlkSFVQT29RZ1haVXpRUG1PVVpxTzNxeDhfLTd1eUFnSS13cXpTQmtwOHFlZ0hpMUJaOEVyS1RaQTFDNWJReThqQ1JXWnNBN3gxYjl2NWIzSm9zV195ejdSSnBBbTZOM0kxM3JXdjhmcVdBcGR4cTRGTWw3ZHFmX1NtaFJ1X3IyTw?oc=5) · Community Newspaper Group
- 2022-09-16 [Solar Panel Array ribbon cutting - Luther College](https://news.google.com/rss/articles/CBMibEFVX3lxTE9JeFQ2NzkxZ29xc3MyazVxVmVobGplZ1pmQnZSUE0wckxJbjQyZnhKQS1SUUhqN1BaVUlkWmpmSVdUdHF2emYyUGo4YzMzeEFKOEJHNzI4TDlEcUdlV2pmRFRiYWM2ZWlfMkV0OA?oc=5) · Luther College
- 2016-10-16 [Sarah Szabo Obituary Oct 16, 2016 - Helms Funeral Home](https://news.google.com/rss/articles/CBMiZ0FVX3lxTFAtNjJTc1ZSeVlaYm12bkZHRkxRWVNfRjRDemNSZnRuTnNDeFR4Wlg5NFB3ZkkydmNMQWtkcTZMSUx4aEFIMTVZUGNJNWNRZnJ2SE8wVHdYNU1wUUp2VC1hLVpIdVV4ZlU?oc=5) · Helms Funeral Home
- 2024-11-23 [Decorah football legacy embodied by new monument at Viking Stadium - Decorah Leader](https://news.google.com/rss/articles/CBMivAFBVV95cUxPYW5tbEprYkpjX1ozZEJFc0RRNGV5RFZob2FtbWlZQkxxS2xtZnpadW5fekZBWGZ3VVp6Q00xNHA2eGM1aXBUX21rZ05kajNzWFJzMVBsOHE3LVNMT2I1ZXhOVHVRX2x0QU9JY3kzYzJaZlREdm80RnM1cnNoLUxQVmI0dmpzbV83S21mNDhzUmdEVVhINEZvcUVHVVpuRkNKQnh2YmNMallsWlEya1laTDF6dEI2cW1sQWRiZQ?oc=5) · Decorah Leader
- 2020-08-19 [Sumner man arrested after stand-off with authorities - kwwl.com](https://news.google.com/rss/articles/CBMixwFBVV95cUxObkpMeFFVdXlDWjNsRmlBTnFrNFJxbENBZmo3bFd6NXphRVBBOF90UElKSFJITVBRYWk2bG9LUjJFN3NsNXhfVFFEa016Z2FnVlMwMERvUlVNNVh5ckRVLTkwbmxvdlh0U1JUUGx0YXpWYkIzSnNrMU1TaGtwRDdlMEt5YzRYOEhrcUR5RFVObEp3RGZGMnlzcTJhSF9vaEU3SFE1TjFlc2JDSmZzUHBhUHVWdXJKRXM1SXJlaVdyOV8xc0R4NEdZ?oc=5) · kwwl.com
- 2025-06-18 [Drive-Thru Ag Meal Serves Up Supper and Support for Local Agriculture - Decorah News](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQUmtMcXRoeF9NZ2dFMkk1MVNSdTEzSTU0SWFkN2R6d083NFNoeVdjbkFvS2xxMTZYWXlLNDNLdlhvWWhfYy1DSmxtdWJOZ3R6eXl2UEFRRTZkTGgzMWJobDBLbm95OFptc2Rnby1NNEVzaE4tb3ZFcC1GUGk5VVFtaDlpMkcwNkh0eEVHQlJsRU5RMkxjYnNBNFo4SUoxS3VtRno1QnBIWGc?oc=5) · Decorah News
- 2025-12-06 [Dawn Johnson Obituary (1957 - 2025) - Fairbank, IA - Independence Bulletin-Journal - legacy.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxON3VfeVBTUDdKLTdrU2dNXzBUcHRyV0E2Um0zRWlpN2RlVS1vWTBGel9EeTZySmg2dGFqa09ka3cwVjRrMkR5Z2tlUVd4WndWNnlWTjliT2NfdUtUeV9YVTBfb2lKMGtrcHNxYVpucFdiR3NOUkh0UC1DTmlNYU5GWUhxTXh0SXE5b1djQkJ4U18tdC1jZzN3?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=18384 (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/16.json (key "18384", 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