# STATE BANK OF MARIETTA
MARIETTA, MN · FDIC certificate 18525 · asset band <$300M · latest filing 2019-03 · stopped filing (departed)

**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 | $14.7M | |
| Deposits | $12.4M | |
| Loans and leases | $10.8M | |
| Total equity | $1.7M | |
| Loans / deposits | 85.88% (p69 of band) | 76.50% |
| Liquid assets / assets | 22.62% (p31 of band) | |
| Uninsured deposits / deposits | 7.85% (p17 of band) | 15.89% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 4.13% (p65 of band) | |
| FHLB advances / assets | 4.13% | |
| Tier 1 leverage | 10.14% (p30 of band) | 11.35% |
| Unrealized securities loss / equity | -3.51% (p11 of band) | -0.33% |
| AOCI / equity | 1.84% (p67 of band) | |
| ROA (annualized) | 1.16% (p60 of band) | 0.99% |
| Net interest margin | 4.14% (p71 of band) | 3.80% |
| Efficiency ratio | 68.10% (p44 of band) | |
| Noncurrent loans | 1.17% (p69 of band) | 0.56% |
| Net charge-offs (annualized) | 0.00% (p44 of band) | |
| Reserve coverage of noncurrent | 130.16% | |
| Real estate % of loans | 59% | |
| Construction % of loans | 0.00% (p7 of band) | |
| Auto loans | $333,000 (3.09% of loans; DQ 6.91%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -3.9% | |
| Employees | 4 | |

## 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 | 2 | capital falling, uninsured deposits leaving |  |
| 2012-09 | 1 |  | uninsured deposits leaving |
| 2012-12 | 0 |  | capital falling |
| 2013-03 | 1 | uninsured deposits leaving |  |
| 2013-06 | 0 |  | uninsured deposits leaving |
| 2013-09 | 1 | uninsured deposits leaving |  |
| 2013-12 | 0 |  | uninsured deposits leaving |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | uninsured deposits leaving |  |
| 2014-09 | 0 |  | uninsured deposits leaving |
| 2014-12 | 0 |  |  |
| 2015-03 | 4 | noncurrent p90, reserve under noncurrent, deposits shrinking, uninsured deposits leaving |  |
| 2015-06 | 4 |  |  |
| 2015-09 | 2 | charge-offs p90 | noncurrent p90, deposits shrinking, uninsured deposits leaving |
| 2015-12 | 4 | noncurrent p90, uninsured deposits leaving |  |
| 2016-03 | 2 |  | charge-offs p90, uninsured deposits leaving |
| 2016-06 | 2 |  |  |
| 2016-09 | 3 | capital falling |  |
| 2016-12 | 1 |  | noncurrent p90, capital falling |
| 2017-03 | 2 | uninsured deposits leaving |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 1 |  | uninsured deposits leaving |
| 2017-12 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving | reserve under noncurrent |
| 2018-03 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2018-06 | 0 |  |  |
| 2018-09 | 3 | charge-offs p90, deposits shrinking, uninsured deposits leaving |  |
| 2018-12 | 1 | reserve under noncurrent | charge-offs p90, deposits shrinking, uninsured deposits leaving |
| 2019-03 | 0 |  | reserve under noncurrent |

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

- 2018-08-07 [Mary C. Adams Obituary Aug 7, 2018 - Mankato Mortuary](https://news.google.com/rss/articles/CBMiX0FVX3lxTE1xNTBNejlxQ0NkaWQxandZY3dteWs2RWZDZU1zOTFfMWVBcy1fU0FUS25CR1NOVXRueFlGNTRub1lqWDdGcFZmeXBvc2llOXg0R19YdDZiSExQWDl0bkhZ?oc=5) · Mankato Mortuary
- 2007-10-12 [Population Declines in Rural Minnesota - MPR News](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNOTlXUUFxZjR2MC1KR1BFRkMteWg1aUh4T1JnNktlcG1GaWdCbnVIanp1WUZVTGEySERKRXQ4a2dZSmp3cXAwRHNUSkMyRnppS0N1Wk5Bc3V6ajNyMjh4dC12M1c0R0Z1eGwwWUxBMGFubktodlNCTklXQWlrZlB2dVBZVlJkWERucHFz?oc=5) · MPR News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=18525 (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/29.json (key "18525", 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