# PATHWAY BANK
CAIRO, NE · FDIC certificate 1992 · asset band $300M-1B · latest filing 2026-06 · live

**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 | $338.1M | |
| Deposits | $245.5M | |
| Loans and leases | $241.6M | |
| Total equity | $41.0M | |
| Loans / deposits | 96.97% (p85 of band) | 82.04% |
| Liquid assets / assets | 24.38% (p49 of band) | |
| Uninsured deposits / deposits | 17.49% (p20 of band) | 25.97% |
| Brokered deposits | 3.93% | |
| Wholesale funding | 18.27% (p92 of band) | |
| FHLB advances / assets | 14.34% | |
| Tier 1 leverage | 12.43% (p73 of band) | 10.81% |
| Unrealized securities loss / equity | -6.37% (p56 of band) | -8.10% |
| AOCI / equity | -1.70% (p10 of band) | |
| ROA (annualized) | 1.57% (p68 of band) | 1.28% |
| Net interest margin | 3.36% (p22 of band) | 3.91% |
| Efficiency ratio | 57.19% (p37 of band) | |
| Noncurrent loans | 3.85% (p96 of band) | 0.43% |
| Net charge-offs (annualized) | 0.01% (p58 of band) | |
| Reserve coverage of noncurrent | 38.10% | |
| Real estate % of loans | 54% | |
| Construction % of loans | 1.23% (p5 of band) | |
| Auto loans | $889,000 (0.37% of loans; DQ 2.70%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 1.6% | |
| Employees | 43 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

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

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

- 2019-11-25 [Pathway Bank introduces video banking for customers - KSNB](https://news.google.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?oc=5) · KSNB
- 2021-12-17 [Lana Kay Maret Obituary Dec 17, 2021 - apfelfuneralhome.com](https://news.google.com/rss/articles/CBMiakFVX3lxTFBfRmdLUFNQdTJmS0J0LUtEekxndFdOTzd0aTNPSUdza2pNX0NLTnRZOGcxUmFfVk5laGg5eFBxSjNXT0F2U1BORi1JVDZGLURCUGotQVlDN2dDSGRRQVdqT2ZXZVNOUFRrblE?oc=5) · apfelfuneralhome.com
- 2025-09-09 [St. Francis Foundation Welcomes Four New Board Members - Midwest Medical Edition](https://news.google.com/rss/articles/CBMiogFBVV95cUxNVXlQTmVPQkV3WmU2NEptdVFySGRXNzNTbEI5cGRJNl9qeHNjMkduZDlJaWpoMWhTXzZoOTVScmJUTUUxUHlIRTVNYjc1OXlTT0VNSmFObnFicmpjcWEyd3QxV3NwMEpNVW1rT3k3N0NuU1pmb19RRi1ZOG9pQkxZYkhQZ1R5T242Z01FLUY0Z19yYWxEaGZRcDVXTlE4OGxUYVE?oc=5) · Midwest Medical Edition
- 2025-06-30 [KRVN 880 – KRVN 93.1 – KAMI - Nebraska’s Big Rodeo welcomes public support for rebuilding efforts - Rural Radio Network](https://news.google.com/rss/articles/CBMiogFBVV95cUxNNmVCd1FsT21GOW53dmZON2tJX1phZGJadUhBeUxRdFdta1JORkpEQXh4YWdaeGctTFJvY19ZUVlHLWdPMWFseVg3dGRxZ0Z0aVZPLVM5d1RxR29vb0VISWs5a2hBMHRPUVBQalM3VjBzelNZdFVEMnpVMVBJWk00YktKQU5tcVlHWDc0UklobEtoZFFXNlYybl9DUkhaODI3ckE?oc=5) · Rural Radio Network
- 2022-05-17 [Windstorm damages Burwell’s rodeo grounds - Tri-State Livestock News](https://news.google.com/rss/articles/CBMihAFBVV95cUxQRkhLTUYtQl92OWswTFg3b3NIRDk3WUNvVnF5cEZxd1hDSHlhV3lhRV9LRUkzN3VVTGptdXptckpfbERpYUhFTVpBWHMtc1JZN3o4NnZtZFdja0dBRVFhUTFGZXpEdVdfQlFuX1UzTV9qcXZQVmYxbnhvTVNIY0xfQ1E0WmQ?oc=5) · Tri-State Livestock News
- 2024-08-22 [Nebraska State Fair features new attractions - Central Nebraska Today](https://news.google.com/rss/articles/CBMimAFBVV95cUxQVWduYlJueUdqMnN6c3lKdFF4UzJySzF4bk8tdzU1UjF2ZHU0RGFuem1vZmJyeXctbDBLR0w0dE5TODFEZnVQdVlxLXNoWmhkZFNDZGFDQ28zU21tV1YwRWQyODV5TmJVQ3h4Uy1neXdjUHdJR0FxYlpQR2YyQVpFUzVzdElydGpqNC1OOF9PdVhGbWNjZ0JlbQ?oc=5) · Central Nebraska Today
- 2013-02-15 [Kenneth Jensen Obituary (2013) - Grand Island, NE - The Grand Island Independent - legacy.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxPTFlqWU1kdHJtZUZzTDFCM0dndFM0RlhJSjBpWXZ1SEFqTjVrU2UwbjNVRkhLYVRGUzFDdHlSVmVvel9rQVpMZGtrR3dlb1BsWnZjNWFNdER6VGtOV2ZJejgxbVlST3dJcDJnVHk2b1pzNUNmM1N3UjIzVzRub3JxWm9sNjlvd1NMYjVzNjdjVWc0SFAtU2Nr?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=1992 (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/8.json (key "1992", 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