# PLEASANTVILLE STATE BANK
PLEASANTVILLE, IA · FDIC certificate 1861 · asset band <$300M · latest filing 2014-09 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (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 | $38.7M | |
| Deposits | $33.7M | |
| Loans and leases | $11.3M | |
| Total equity | $4.5M | |
| Loans / deposits | 32.86% (p6 of band) | 71.36% |
| Liquid assets / assets | 69.53% (p94 of band) | |
| Uninsured deposits / deposits | 9.84% (p37 of band) | 12.72% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p17 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.31% (p62 of band) | 10.52% |
| Unrealized securities loss / equity | 3.77% (p87 of band) | 0.17% |
| AOCI / equity | -1.03% (p1 of band) | |
| ROA (annualized) | -0.92% (p3 of band) | 0.81% |
| Net interest margin | 2.21% (p4 of band) | 3.65% |
| Efficiency ratio | 168.67% (p99 of band) | |
| Noncurrent loans | 0.00% (p6 of band) | 0.86% |
| Net charge-offs (annualized) | -0.06% (p6 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 59% | |
| Construction % of loans | 0.00% (p7 of band) | |
| Auto loans | $921,000 (8.16% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -0.5% | |
| Employees | 8 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 | uninsured deposits leaving | capital falling |
| 2012-06 | 0 |  | uninsured deposits leaving |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 2 | NIM <2.5%, uninsured deposits leaving |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 1 |  | uninsured deposits leaving |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 3 | losing money, expense ratio p90 |  |

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

- 2019-10-06 [Marilee Wyatt Obituary Oct 6, 2019 - sturmfh.com](https://news.google.com/rss/articles/CBMiXEFVX3lxTE12NUJ5cFJVZkVVNXdtTnA1ZEZzRnBzMGlDb0tBcXhJMGlCeDRjSFFWU2J6TFloeXY0SEg0NVdSckhQRWZzbzVkNlBib2tLQXhNUEFuY2ZxUUJpT3l3?oc=5) · sturmfh.com
- 2023-09-01 [Charles Robert Young III - hamiltonsfuneralhome.com](https://news.google.com/rss/articles/CBMiY0FVX3lxTFBGTjJjajhERVFPdEFseHZnYXp3WnA3R0Y3UXQxMm05TWJfY1hVRk5MSVUzWUdUSFdNSVA3dTdYdFM4cHpzWm41M1ZHakUwS29DNy1vUDRGbS1XcnRIdHJQS0tfMA?oc=5) · hamiltonsfuneralhome.com
- 2025-07-31 [Janet Rose Boots Obituary (2025) - Pleasantville, IA - Bertrand Funeral Homes (Mason Funeral Home) - Pleasantville - legacy.com](https://news.google.com/rss/articles/CBMif0FVX3lxTE8yNUd4bDkwLXk0SVpQUnRQQmFRQzBOSzBldTFHNWF5ZURVUUFCLUN4WDF2V0pZT0RkZUphLTEtZk5KY0h5UW9lSk1POHRpTlNkekpkM1pOU01MdmRpbE1wY1JOVEdYYWtMcGgzbjAtWTZEWHc1WjBidlVvQUxyU1k?oc=5) · legacy.com
- 2026-01-15 [Shirley Jean Kingery - legacy.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxNaE1WTW9ybkliZHI3UWllRGd3VnBPVVg1NmVZWktIci14UUJmZTdWaF90YVNnamFtLWo5a0RCb2w4QWNTYlNWeWREeEJEblRtd0dRTlFHOFBaUThuemc4aS1zbzd6WkU3X0Q0VVFwNEl4R1NGRVhOX3N3THhjZDA2SDdjaG4?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=1861 (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/5.json (key "1861", 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