# BANK OF DONIPHAN
DONIPHAN, NE · FDIC certificate 19515 · asset band <$300M · latest filing 2022-03 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $148.2M | |
| Deposits | $117.2M | |
| Loans and leases | $66.8M | |
| Total equity | $12.2M | |
| Loans / deposits | 56.32% (p44 of band) | 59.63% |
| Liquid assets / assets | 50.97% (p66 of band) | |
| Uninsured deposits / deposits | 15.13% (p30 of band) | 20.09% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 12.47% (p94 of band) | |
| FHLB advances / assets | 0.10% | |
| Tier 1 leverage | 8.48% (p17 of band) | 10.37% |
| Unrealized securities loss / equity | -28.17% (p17 of band) | -10.87% |
| AOCI / equity | -17.17% (p27 of band) | |
| ROA (annualized) | 0.35% (p23 of band) | 0.73% |
| Net interest margin | 2.69% (p34 of band) | 2.97% |
| Efficiency ratio | 85.83% (p76 of band) | |
| Noncurrent loans | 0.03% (p30 of band) | 0.26% |
| Net charge-offs (annualized) | 0.00% (p52 of band) | |
| Reserve coverage of noncurrent | 4170.00% | |
| Real estate % of loans | 46% | |
| Construction % of loans | 4.57% (p29 of band) | |
| Auto loans | $2.6M (3.85% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 9.5% | |
| Employees | 24 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

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

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

- 2024-02-29 [New president joins Sioux Center Primebank - The N'West Iowa REVIEW](https://news.google.com/rss/articles/CBMiwwFBVV95cUxPVldGaFozSnQ3YnlPQmVObzhqVmwxbGtvLVBkamc4ZkdHMTI5eG4xTWdZVmxxZjN0NXFKSEh5ZC1GelJNbDBEa3VxZUFuVmJRQ1hTYTdKWEY2UmxRTWp4c25pUnZSOTQwSWNvb2hqakU1R3l4LXdSeFFjWlVtSVFjbk1ianNjQnJSLU9LenBUWGJOdFlTbHNtWEtYcXFzNFBvVlhNX0pqQU5CMXVYTG56aWRxczZZU3NVVnNWWV9ZZ3FudDA?oc=5) · The N'West Iowa REVIEW
- 2017-02-01 [Samuel Percival Baird - Roper and Sons](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE9lZ19GT1hRd3RlUkZTOS1lbjZtTi1NZ1gwczJOdzhnWWVWcjNWbnJPX0x0azEwNlA5eFZTYVlXOVBrdG9BcXlsaFR3dU9vTlFuTTMzdi04YTU2OTJYaGl1NnNFVDBfemc?oc=5) · Roper and Sons
- 2019-09-03 [Doris M. Rouse Obituary Sep 3, 2019 - Apfel Funeral Home and Cremation Services](https://news.google.com/rss/articles/CBMiaEFVX3lxTE9qUDZ3bGdWd2tzOWVTRDAwY2hDU1FhbFVUZklsaUlWd1J0cE1CQmNfSjlJd0Ftd0hQWWtWSmxNUDUyN3ROdTZsblBmQ2M4YjY5SUY5eFZfS3MtY1N2M1BoM1lwNzV3ZHl6?oc=5) · Apfel Funeral Home and Cremation Services
- 2019-10-10 [Blue Rock Coffee Company opens in Doniphan - KHGI](https://news.google.com/rss/articles/CBMifkFVX3lxTE9xV0VVU3hRRGp5bFZaQ0NlNnpEeTVqREExVUVVOS1vS3loXy1FdXFhS0ZGT0tIZVBpSVAwZnp3Y2N0bXYyb1U1enZTdmZQa0cxeHM5RE42RThMREcxVWxQSVFzOFRPZDZtRTNTdHRuOHh3MkttQ29PTlpvcjIzdw?oc=5) · KHGI
- 2016-11-18 [Kenneth Bodlak Obituary Nov 18, 2016 - Livingston Butler Volland Funeral Home & Cremation Center](https://news.google.com/rss/articles/CBMiW0FVX3lxTE0zbWluVzZJY1o3OXRyTkJKV3Z2d3ktVHVOeWYwa2ZTVkpKeXJxWWRRR19mWndGa3RFa21BZmI5UF9OaUhNN25ZOF9DNFFVc3BRc2FCY0JRYWJ0VjQ?oc=5) · Livingston Butler Volland Funeral Home &amp; Cremation Center
- 2024-10-22 [Stephen Schuppan Obituary (1949 - 2024) - Grand Island, NE - The Grand Island Independent - legacy.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxQUEZkQnEwaTZaNVZZNjV2S00xQlhWUVpkSDNCNWVidXY1Z0dkRzUtcWJKaXZzZXJRN2JZQ3ZIVzJYSDd2ZlJrNFZ6VU5HZk52UUZhVWF0a1Z4TkZ1c3d5NG5GVEszN0c0ZVZnYjNKU2lyeGdTaC1xNjRwSVFqVWVaV2pldVU5eTJya0p2cURLcW1CdmwxdDFOcURn?oc=5) · legacy.com
- 2016-06-03 [Hastings Residents Rally "Free the Donut" - KHGI](https://news.google.com/rss/articles/CBMihAFBVV95cUxNalZ3cks2ODhmRzEwQ2V3bjRMdGxOUVpHV1c5RUpJb294Q1JmbmxjRXg3cUNsazl4Smdub0VmUzdqeDFNcnZwUFdCYjRnemVHOHpsNVV3aDRlbVFGUlRYNlEycWpZOXluN3ROYXBZSjI4ZjIzMDJyQmkybVpYc29GdS1FNVQ?oc=5) · KHGI
- 2015-12-19 [Rita Shea Obituary Dec 19, 2015 - Livingston Butler Volland Funeral Home & Cremation Center](https://news.google.com/rss/articles/CBMiVEFVX3lxTE84UUNNTlNVbGxBTWRzWWFaY2Jsc1E4eS15UEdIcWdpOTZnWXBUeXo4amFsZ2lDUlA1VTUxTnlWNEpSeE4tVFpHczBzbm9iQ1h3QmliQQ?oc=5) · Livingston Butler Volland Funeral Home &amp; Cremation Center

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=19515 (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/59.json (key "19515", 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