# HASTINGS STATE BANK
HASTINGS, NE · FDIC certificate 18984 · asset band <$300M · latest filing 2012-09 · 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 | $136.3M | |
| Deposits | $109.3M | |
| Loans and leases | $69.1M | |
| Total equity | $11.2M | |
| Loans / deposits | 60.42% (p33 of band) | 69.20% |
| Liquid assets / assets | 46.20% (p72 of band) | |
| Uninsured deposits / deposits | 11.15% (p64 of band) | 8.50% |
| Brokered deposits | 1.22% | |
| Wholesale funding | 12.44% (p90 of band) | |
| FHLB advances / assets | 3.67% | |
| Tier 1 leverage | 8.44% (p18 of band) | 10.13% |
| Unrealized securities loss / equity | -2.93% (p0 of band) | 3.81% |
| AOCI / equity | 2.27% (p86 of band) | |
| ROA (annualized) | 0.62% (p39 of band) | 0.80% |
| Net interest margin | 3.41% (p30 of band) | 3.77% |
| Efficiency ratio | 93.69% (p87 of band) | |
| Noncurrent loans | 0.82% (p39 of band) | 1.27% |
| Net charge-offs (annualized) | -0.03% (p7 of band) | |
| Reserve coverage of noncurrent | 540.53% | |
| Real estate % of loans | 69% | |
| Construction % of loans | 11.90% (p44 of band) | |
| Auto loans | $668,000 (0.97% of loans; DQ 0.15%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -1.3% | |
| Employees | 44 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 2 | losing money, expense ratio p90 |  |
| 2011-09 | 2 | reserve under noncurrent | losing money |
| 2011-12 | 1 |  | reserve under noncurrent |
| 2012-03 | 2 | wholesale funding >15%, deposits shrinking | expense ratio p90 |
| 2012-06 | 0 |  | wholesale funding >15%, deposits shrinking |
| 2012-09 | 0 |  |  |

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

- 2026-08-13 [James M. Kimminau Obituary Aug 13, 2026 - Livingston Butler Volland Funeral Home & Cremation Center](https://news.google.com/rss/articles/CBMiW0FVX3lxTE9NWDJLMG9JVmtiLWtpcXdmaDEyc0tPNHBla0VxZ2dWZnZhVUpmQWdudU9lajZJY3BVajVQM1p1S25DbnFUSjRzZExJZXBFdTNVakFiMzRWclU2MFU?oc=5) · Livingston Butler Volland Funeral Home &amp; Cremation Center
- 2026-06-26 [Marlene Fast Obituary (1931 - 2026) - Hastings, NE - The Grand Island Independent - legacy.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxNUmk2SEtpMTB1UHFkTjI5YnBIUXVJbUNTUEtudmpxSDU4eTUyR2lhT241RWQ0RUdVdEZMbl9XaE1sbUpGN2d4djFTeDJlRW5US3pJcUZGeFhxLVlKWjNlUTJxbzQ0MU1oci1KUDMtOUxsb1BSbkxmY3p6eVZiUnBWemNQaEdqRld5YWdfM3FJN0VxVDli?oc=5) · legacy.com
- 2022-08-27 [R. Hunter Obituary (1940 - 2022) - Lincoln, NE - Lincoln Journal Star - legacy.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNTFZXSU1RX2szWWlLMkxRMGVKVWRHQW9CNTVVOW5SVHlUUlQ4Wk1GZHZ2ZC02MWtncjV5WEJ3UGI5TVhBZ2pnM1lyQTBhU0FIRHVYcUNCSk9tZkZpVVRPYnZpRWtDbnNqcHhUV3UyVXNlMU5SSjJZOWZvUlQtbDhXb0VJUzQxNWdhOXZZ?oc=5) · legacy.com
- 2023-10-23 [Debra J. "Debbi" Clarke Obituary Oct 23, 2023 - Livingston Butler Volland Funeral Home & Cremation Center](https://news.google.com/rss/articles/CBMiWEFVX3lxTE04bGE1NmVJYy01ekMyWUdPdDB2UUVXWnF6RUN5cTJVZy1UVGpfVTdsc3EwRHJHNExROFBXOVNEQ19Cd1NEczBpVDk0MnNDYnZtZWVzVmRfODk?oc=5) · Livingston Butler Volland Funeral Home &amp; Cremation Center
- 2021-02-10 [Joanne Stahl Obituary Feb 10, 2021 - Livingston Butler Volland Funeral Home & Cremation Center](https://news.google.com/rss/articles/CBMiWEFVX3lxTE4tc2RoQU4wb25jSmVRSTZxSUg0YjgxTTFtbDI2ekJRUHZzWkIwb0FNaUxlOXRoRG15eU51VjhRcFlBOWh1SXNEdGM0VWxlYVdFcUtEUGdhcWY?oc=5) · Livingston Butler Volland Funeral Home &amp; Cremation Center
- 2013-02-21 [Ardyce Bohlke Obituary Feb 21, 2013 - Livingston Butler Volland Funeral Home & Cremation Center](https://news.google.com/rss/articles/CBMiWkFVX3lxTE5JZl81UVF3M0tqcjgzX1N0dTRwYWFueFVkR09CWnVXTWU4OUVDVDBSY0gzQVJiYWFlLUo1cWVyUzYtNjlZYmdDVS1uMDAyblY0SHcxYlYxSUhGQQ?oc=5) · Livingston Butler Volland Funeral Home &amp; Cremation Center
- 2002-05-01 [Donald Anderson Obituary May 1, 2002 - Livingston Butler Volland Funeral Home & Cremation Center](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE9zTEtWemZudDhPVXFUREZ2N2JXS1dSRGFVdG9jSkVoc3p0VHJ6WFFpLUJUT1YwUDA5VW4zYXVIZU11OTliampZOEc1UmFESFdQVktmZExMVVowdTB2eDZMYjRoZnZnNFU?oc=5) · Livingston Butler Volland Funeral Home &amp; Cremation Center

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=18984 (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/40.json (key "18984", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide