# CUSB BANK
CRESCO, IA · FDIC certificate 18443 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. 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 | $812.1M | |
| Deposits | $699.3M | |
| Loans and leases | $643.1M | |
| Total equity | $95.6M | |
| Loans / deposits | 90.69% (p72 of band) | 82.04% |
| Liquid assets / assets | 16.62% (p20 of band) | |
| Uninsured deposits / deposits | 32.53% (p73 of band) | 25.97% |
| Brokered deposits | 4.21% | |
| Wholesale funding | 5.69% (p61 of band) | |
| FHLB advances / assets | 1.48% | |
| Tier 1 leverage | 12.27% (p71 of band) | 10.81% |
| Unrealized securities loss / equity | -17.26% (p27 of band) | -8.10% |
| AOCI / equity | -0.55% (p40 of band) | |
| ROA (annualized) | 1.53% (p65 of band) | 1.28% |
| Net interest margin | 3.71% (p39 of band) | 3.91% |
| Efficiency ratio | 54.50% (p29 of band) | |
| Noncurrent loans | 0.65% (p61 of band) | 0.43% |
| Net charge-offs (annualized) | 0.15% (p89 of band) | |
| Reserve coverage of noncurrent | 215.48% | |
| Real estate % of loans | 67% | |
| Construction % of loans | 8.63% (p12 of band) | |
| Auto loans | $21.2M (3.29% of loans; DQ 0.70%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 4.2% | |
| Employees | 105 | |

## 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 | 1 | capital falling |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 0 |  | capital falling |
| 2013-06 | 1 | uninsured deposits leaving |  |
| 2013-09 | 0 |  | uninsured deposits leaving |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | charge-offs p90 |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 2 | capital falling |  |
| 2015-03 | 0 |  | charge-offs p90, capital falling |
| 2015-06 | 1 | wholesale funding >15% |  |
| 2015-09 | 1 | reserve under noncurrent | wholesale funding >15% |
| 2015-12 | 0 |  | reserve under noncurrent |
| 2016-03 | 1 | wholesale funding >15% |  |
| 2016-06 | 4 | brokered >10%, noncurrent p90, reserve under noncurrent |  |
| 2016-09 | 1 |  | wholesale funding >15%, brokered >10%, noncurrent p90 |
| 2016-12 | 0 |  | reserve under noncurrent |
| 2017-03 | 3 | noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2017-06 | 5 | brokered >10%, wholesale funding >15% |  |
| 2017-09 | 5 |  |  |
| 2017-12 | 3 |  | brokered >10%, wholesale funding >15% |
| 2018-03 | 2 |  | charge-offs p90 |
| 2018-06 | 1 | charge-offs p90 | noncurrent p90, reserve under noncurrent |
| 2018-09 | 2 | brokered >10% |  |
| 2018-12 | 1 |  | charge-offs p90 |
| 2019-03 | 1 |  |  |
| 2019-06 | 2 | wholesale funding >15% |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 3 | capital falling |  |
| 2020-06 | 3 |  |  |
| 2020-09 | 1 |  | wholesale funding >15%, capital falling |
| 2020-12 | 0 |  | brokered >10% |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | charge-offs p90 |  |
| 2022-03 | 1 | capital falling | charge-offs p90 |
| 2022-06 | 2 | AOCI drag >20% of equity |  |
| 2022-09 | 2 | securities losses >30% of equity | capital falling |
| 2022-12 | 1 |  | securities losses >30% of equity |
| 2023-03 | 0 |  | AOCI drag >20% of equity |
| 2023-06 | 0 |  |  |
| 2023-09 | 1 | securities losses >30% of equity |  |
| 2023-12 | 1 | charge-offs p90 | securities losses >30% of equity |
| 2024-03 | 0 |  | charge-offs p90 |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 1 | capital falling |  |
| 2025-03 | 0 |  | capital falling |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2018-05-30 [CUSB having 130th Party! - Cresco Times Plain Dealer](https://news.google.com/rss/articles/CBMiZkFVX3lxTE56WFVIaW9nMl9NTDJiTkVEejJQMHBLYm9ZaGRWdUswQVhQYVJmdkFUQ096bVlKNUg0aGFsVHQ2elZoODR2MF9FUDJJSG9QS2hGVW84ZGdyQlROVjU5NE9ST0NYSk90UQ?oc=5) · Cresco Times Plain Dealer
- 2024-07-02 [20 community banks with the most farm loans - American Banker](https://news.google.com/rss/articles/CBMilwFBVV95cUxOSzJmZkhZanBMV3FCMGd6eldPWHVfNC01OWNUT2VpZl82U3RLSmJqaW9mVllScTBsY1pMZzkzSmtuVlJOYlJldVVHLTJQWS1rSVVYUng2RFlPVmtRYkMxRm01TWJoOGVHRlg5ZkpCWkJGakZJdk52a21GclZCdTRwcHk2bWxXdHl1aENRaEdpQkx1UXpUbTJV?oc=5) · American Banker
- 2024-05-03 [North Iowa woman arrested for stealing from her Girl Scout troop - kimt.com](https://news.google.com/rss/articles/CBMi3wFBVV95cUxPejhwX0gwTzVxWGR1eVVOX0VuRGxhWlU2SlFQRkd6VVdjS3p6Z0FwTXNwYVR0ek0zWlBrLTc0UFN2Sk42ZWpZUGplZUl6bWZYVjB6WWdHX0pqTFZLSDBadnVjQUpxWEVJNEJsNXV3TkxPNDRhRGk4QlVlWGpqREdfV2Z2a0RyZE5QQ3dPLTJTcjVLYU9HMTVWRFVqMTJHU1ZvcjBUSTJidnMxQ0JVMHEySnI1WEhobG1YZnNGYjYtLWVTTzlvTml4amg5SjNwTDhCNUhfS2x1MUR0SFB0WVpr?oc=5) · kimt.com
- 2020-11-30 [Gov. Reynolds appoints Josh Byrnes as new Iowa Utilities Board Member - Discover Muscatine](https://news.google.com/rss/articles/CBMioAFBVV95cUxPdkVuU1pmdHJNQnNZRmxHNUg5TFhLRVhuQlRBbEFpcGlfRW50VGN6bzM4ckVVeHh5Rk9YdVcyMzhibUljY0FZdWQxU0ZMd2ZacS1LaFpYVThrNW5YaDhrVFV4SnZLRTJVRmMxN3puRTZlUmhMc2ZrdTZHblBHVXNRalZnRUZSaW5FNzVQT1FlSlVERkZfeEk1S0JvUjlZcTZO?oc=5) · Discover Muscatine
- 2017-11-03 [Ronald Harlin Miller, Cresco, Iowa formerly of Monona, Iowa, November 3, 2017 - Grau Funeral Homes](https://news.google.com/rss/articles/CBMirwFBVV95cUxNSGRmeWdjcExXMkZZOGtxal9TbjF2RktNazU2Y1c4bE91bHEtYTFDRWZEUUM0dnp2dm5sZTkwS3M1UG9vQk15NmtNQ2NJbGFYYU02d2tfbUU3V1VjdUhmMHZGcHVSZ3duQW5oTlFDejhjRU9BUmU5dUcwa1hKcDRVbjY5STV6TjhQaVpzQm5jR3NmUUd6S1d3cU54R1ducFJ5WjNkTTFVV2dicUxMczBV?oc=5) · Grau Funeral Homes
- 2025-03-28 [New Warning Signs Agriculture Is In A Recession - AgWeb](https://news.google.com/rss/articles/CBMijAFBVV95cUxPa3JRc3ZfaFhTQWN2cGIySnVnSVlYX0xKMjJuNW1qdHBMM3IxOERFaktXdWVuTkczMFRMU1hLWFIzN2dLUjZnamZlb3BUMWl5ZEpCc3FUTEV6bUg5VGljbEFYVDQxSmxlZ0RDdVFZRUJTa2owSUM3Z3FaN0hNRlc5N1ctbkpCYTdJVlMzZQ?oc=5) · AgWeb
- 2024-08-14 [Over 1,200 pairs of shoes going to kids thanks to the United Way of North Central Iowa - kimt.com](https://news.google.com/rss/articles/CBMi4gFBVV95cUxOZlFxSG1wdkZxZU1TNEpENTU5Q3JHbHFuLXBfbEdKRFhUamJ1aDU2WUp5dWJfVi1xN1Q5Wktwc3p5Ykppd0h5ZDhleXJHdmZUTWI5ZGxTM2NfcVBJbUlocVBZQlBUR1dEQTN1WVk4VENta3A2Rll1OXRTMEFXWkxQRmNMdEUtVG9MNFoxUDV6UTlTckxpS1VhOEpDT2dyajJVOTR2LVRnY3hob2NmU3k2VzgzOGtaeHZuUWNON2NWcjN2Nm5CNTZQalJSQS1GejJrQ212ZzRXdlV6ZWxFanctYlZ3?oc=5) · kimt.com
- 2006-04-15 [Oliver Kisner Obituary (2006) - Mason City, IA - Globe Gazette - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxNQl90ZnhzaV9MVWpjV0FsT0h2UDlnbG1vbVhJWlBhODhpUExXOGUxQmRNM28zMlNhSFZsemxQM0VvQjR5VDhQVlFSSVJQQXg5MzdLbUpjdjlSMzZtYnhkZFBwaHRPM0Znd3BoY0NNeFFNd3ZKUDdmMXVYa2U4dkpZRzBocGVCVG1nTUh3SFY0ZG1kU1k?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=18443 (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/11.json (key "18443", 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