# CEDAR RAPIDS STATE BANK
CEDAR RAPIDS, NE · FDIC certificate 18820 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. 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 | $174.9M | |
| Deposits | $157.4M | |
| Loans and leases | $146.5M | |
| Total equity | $16.5M | |
| Loans / deposits | 92.21% (p83 of band) | 73.59% |
| Liquid assets / assets | 12.70% (p7 of band) | |
| Uninsured deposits / deposits | 15.17% (p32 of band) | 19.81% |
| Brokered deposits | 18.04% | |
| Wholesale funding | 18.33% (p94 of band) | |
| FHLB advances / assets | 0.29% | |
| Tier 1 leverage | 9.56% (p18 of band) | 11.76% |
| Unrealized securities loss / equity | -0.69% (p80 of band) | -6.57% |
| AOCI / equity | -1.32% (p21 of band) | |
| ROA (annualized) | 1.10% (p46 of band) | 1.17% |
| Net interest margin | 3.52% (p30 of band) | 3.93% |
| Efficiency ratio | 57.47% (p28 of band) | |
| Noncurrent loans | 1.73% (p82 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 50.51% | |
| Real estate % of loans | 75% | |
| Construction % of loans | 30.57% (p64 of band) | |
| Auto loans | $1.5M (1.01% of loans; DQ 0.94%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 1.9% | |
| Employees | 19 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | loans exceed deposits, wholesale funding >15% |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 3 | capital falling |  |
| 2012-03 | 1 | assets shrinking | loans exceed deposits, wholesale funding >15%, capital falling |
| 2012-06 | 2 | reserve under noncurrent |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 | capital falling | reserve under noncurrent |
| 2013-03 | 1 |  | assets shrinking |
| 2013-06 | 2 | reserve under noncurrent |  |
| 2013-09 | 3 | loans exceed deposits |  |
| 2013-12 | 4 | wholesale funding >15% |  |
| 2014-03 | 1 |  | capital falling, loans exceed deposits, wholesale funding >15% |
| 2014-06 | 0 |  | reserve under noncurrent |
| 2014-09 | 3 | loans exceed deposits, wholesale funding >15%, capital falling |  |
| 2014-12 | 3 | uninsured deposits leaving | capital falling |
| 2015-03 | 2 | brokered >10% | loans exceed deposits, uninsured deposits leaving |
| 2015-06 | 2 | reserve under noncurrent | brokered >10% |
| 2015-09 | 2 | brokered >10% | reserve under noncurrent |
| 2015-12 | 2 |  |  |
| 2016-03 | 1 |  | wholesale funding >15% |
| 2016-06 | 2 | capital falling |  |
| 2016-09 | 2 | wholesale funding >15% | capital falling |
| 2016-12 | 2 |  |  |
| 2017-03 | 0 |  | brokered >10%, wholesale funding >15% |
| 2017-06 | 2 | wholesale funding >15%, capital falling |  |
| 2017-09 | 2 | brokered >10% | capital falling |
| 2017-12 | 2 |  |  |
| 2018-03 | 0 |  | wholesale funding >15%, brokered >10% |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | capital falling |  |
| 2019-03 | 0 |  | capital falling |
| 2019-06 | 1 | reserve under noncurrent |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 | charge-offs p90 | reserve under noncurrent |
| 2020-03 | 2 | liquid assets <10% |  |
| 2020-06 | 2 | uninsured deposits leaving | charge-offs p90 |
| 2020-09 | 0 |  | liquid assets <10%, uninsured deposits leaving |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 2 | loans exceed deposits, liquid assets <10% |  |
| 2021-09 | 3 | uninsured deposits leaving |  |
| 2021-12 | 1 |  | loans exceed deposits, uninsured deposits leaving |
| 2022-03 | 2 | charge-offs p90 |  |
| 2022-06 | 0 |  | liquid assets <10%, charge-offs p90 |
| 2022-09 | 4 | loans exceed deposits, wholesale funding >15%, liquid assets <10%, capital falling |  |
| 2022-12 | 5 | brokered >10% |  |
| 2023-03 | 4 | losing money, expense ratio p90 | loans exceed deposits, liquid assets <10%, capital falling |
| 2023-06 | 5 | loans exceed deposits, liquid assets <10%, uninsured deposits leaving | losing money, expense ratio p90 |
| 2023-09 | 5 | capital falling | uninsured deposits leaving |
| 2023-12 | 6 | uninsured deposits leaving |  |
| 2024-03 | 5 |  | uninsured deposits leaving |
| 2024-06 | 4 | reserve under noncurrent | loans exceed deposits, capital falling |
| 2024-09 | 2 |  | liquid assets <10%, reserve under noncurrent |
| 2024-12 | 3 | liquid assets <10% |  |
| 2025-03 | 2 |  | liquid assets <10% |
| 2025-06 | 2 |  |  |
| 2025-09 | 3 | reserve under noncurrent |  |
| 2025-12 | 4 | capital falling, charge-offs p90 | reserve under noncurrent |
| 2026-03 | 2 |  | capital falling, charge-offs p90 |
| 2026-06 | 3 | reserve under noncurrent |  |

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

- 2023-07-13 [Michael J. Sullivan Obituary Jul 13, 2023 - Levander Funeral Homes](https://news.google.com/rss/articles/CBMicEFVX3lxTE9DNHFYbW84cl9CXzZxY2hpY3dBazhDUTNaanJGNjRicktodHRPNDRQcHJBTFZSRDMwRkY1VW9EZ1FDZWhWa09BVFBGZ1dtZHJGLUl4bEcxVmh1UmsyZDQyeFBCQWI0RDNnTGNDYUtrbG0?oc=5) · Levander Funeral Homes
- 2019-09-08 [James "Jim" L. Cox Obituary Sep 8, 2019 - Levander Funeral Homes](https://news.google.com/rss/articles/CBMiakFVX3lxTE9Ja0pWcVh0UHhNVnAzY2xKSHZqYnRNZWgzTnhoLXp4Smh2d0s1TUc0NWE1SHBqY0Z1YVZJS3cwcG1hVG96emhWYVk3ZEdJTTFCdjFjellWZC05RnNOUjVwbldYc2tWUUp0YXc?oc=5) · Levander Funeral Homes
- 2023-10-18 [James "Jim" Louis Riedesel Obituary Oct 18, 2023 - hmdfuneralhome.com](https://news.google.com/rss/articles/CBMibEFVX3lxTE5nX3N1b2hwVzJHQVpyR00xSzVIWjhrdmU1aFhPanFfUGZCNzVkUDFGbW9JTFRxUUtpNHhCUHFOQU1qOTBNYUxUUTZEX3g1LXJRSlNxVVVXZ1pMUXdxenNyVm5Gd3lpdUtjeExZQw?oc=5) · hmdfuneralhome.com
- 2026-03-22 [Dick D. Dozler Obituary Mar 22, 2026 - Levander Funeral Homes](https://news.google.com/rss/articles/CBMiakFVX3lxTE1YVUFCOWRTSTZpWDJrOHdfeU1qbk5ESUpGSGdjbjMxVGJZaHlrYTJQSExweUxZR2xycHBYRERrUHZkZ291anIwd0oyeEhJenlpeGpZVC1nRGktcVVWUjMwYTZ2Y3NLbVdidmc?oc=5) · Levander Funeral Homes
- 2013-05-22 [Elizabeth Warren, Angus King among freshmen in Senate ‘millionaires’ club’ - The Hill](https://news.google.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?oc=5) · The Hill

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=18820 (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/4.json (key "18820", 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