# OMAHA STATE BANK
OMAHA, NE · FDIC certificate 20628 · asset band <$300M · latest filing 2013-06 · stopped filing (departed)

**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 | $279.9M | |
| Deposits | $234.4M | |
| Loans and leases | $228.2M | |
| Total equity | $27.0M | |
| Loans / deposits | 95.69% (p92 of band) | 68.67% |
| Liquid assets / assets | 15.92% (p9 of band) | |
| Uninsured deposits / deposits | 12.67% (p55 of band) | 11.61% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 6.38% (p74 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.79% (p43 of band) | 10.18% |
| Unrealized securities loss / equity | 0.00% (p60 of band) | -0.21% |
| AOCI / equity | -1.92% (p58 of band) | |
| ROA (annualized) | 0.16% (p14 of band) | 0.77% |
| Net interest margin | 3.99% (p71 of band) | 3.59% |
| Efficiency ratio | 84.22% (p73 of band) | |
| Noncurrent loans | 2.61% (p75 of band) | 1.13% |
| Net charge-offs (annualized) | 0.92% (p95 of band) | |
| Reserve coverage of noncurrent | 65.66% | |
| Real estate % of loans | 73% | |
| Construction % of loans | 171.88% (p99 of band) | |
| Auto loans | $288,000 (0.13% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 5.2% | |
| Employees | 100 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 3 | loans exceed deposits, liquid assets <10% | reserve under noncurrent |
| 2011-09 | 6 | losing money, charge-offs p90, reserve under noncurrent |  |
| 2011-12 | 6 | capital falling | charge-offs p90 |
| 2012-03 | 7 | deposits shrinking, assets shrinking, uninsured deposits leaving | losing money, capital falling |
| 2012-06 | 6 |  | assets shrinking |
| 2012-09 | 7 | assets shrinking |  |
| 2012-12 | 7 | charge-offs p90 | liquid assets <10% |
| 2013-03 | 5 | losing money | loans exceed deposits, uninsured deposits leaving, charge-offs p90 |
| 2013-06 | 3 | charge-offs p90 | deposits shrinking, assets shrinking, losing money |

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

- 2019-03-05 [New headquarters helps Core Bank fulfill vision of 'exceptional customer experience' - Omaha World-Herald](https://news.google.com/rss/articles/CBMigwFBVV95cUxPYmdiWUk1WEZIZjdzSE9qbGh4aG1WRUt0dFdJejJ4MDZfeHRidXhKX1JKR0JxbVdPclozY0JqcEpIMTZ4LXhNTEdQcmVwZ2ItdjliWlBQb1VWRGhoRG41d0drZHVnMjYwQ0NWSEZPZDNmLVYzbmh1ZVFuS3c3TmVpS3FHaw?oc=5) · Omaha World-Herald
- 2014-08-30 [Former bank president banned - KETV](https://news.google.com/rss/articles/CBMic0FVX3lxTFBWa3h4TmU4c0s2Z1ZnemduQWx1VFI2czY2UmlXaXBVcTBuTDZVS013ZHk5RWJudVg0R1hmVVhjSkFNN0M0ZkdCRk02OHhQZ3ZRNERNVkVHWDd2b0dCOGVFWDNpZmV3aUdWemU2eldEQlZmUEE?oc=5) · KETV
- 2011-06-30 [After Seventh DUI, Former Banker Gets 2-3 Years In Jail - businessinsider.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxPS3N0OWxfQzhxWXBEWHVHWnhBMU9lbWxfV29SQnAwSlRzb0tld0NraWh0Q2g4d3dzTC1Pb1JvUWxidFA0bEN2aHNfcVV4WTVoUXhid1pSbXJIWGtlc05IVFlHemg2eDBOcmdjcjk1S0xHQmo4ZVQxY3BJUlZWZHYwTmdfMGxvUURLa0VQckFUS2E4ZDhDY0tlVQ?oc=5) · businessinsider.com
- 2026-04-01 [Catherine Woods Obituary (1957 - 2026) - Omaha, NE - Omaha World-Herald - legacy.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxOSTRCd2JxUEZjUXg2dVZvS2FuTHpmUlFPR21NY3Zab0NpMlJOR0o5ekp4Z2lkVUVMNDJDSEFxdUVqenF1d2ZvR0o0RENuZm5YR3ZxMGVTS1ZsYXNOU3QyQVp2OVVoX2s0aGIxaE90QlF2VzJlQWdKOHAza29pc3lUOEVFdTVRaV9nY1NfWQ?oc=5) · legacy.com
- 2025-03-13 [United Republic Bank of Omaha to keep its name after assets are acquired in merger - Omaha World-Herald](https://news.google.com/rss/articles/CBMifkFVX3lxTFBpNjJjWi1rcExiaDdnd1NITndtR1Z4MEpjbUZaakpEWmFIR25lQTlzZVhWWTdSbXF6QVBlZzNjdFAtRUJwY19IV1JfQ0FKZElzOVZVWFkxdzdCRmoxQ1V5RW5BYWwyMEFwZ3JLM2E1R1hUd25WZGVSQlZveC1Cdw?oc=5) · Omaha World-Herald
- 2024-02-18 [Eugene Zaloudek Obituary (2024) - Chandler, AZ - Omaha World-Herald - legacy.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxQSjM4WDY2Uzc0cVNCeWRxMTlraHFuZmJOQTByOGRZY2ZPZENGNUctUS1yeGF3VHRvaUtvZkJxOWd0Unc0QkxPRkR3cWpPbnQtdk5oRV9RSHZPWGNtdGNub09jUDNLT2VQY2d1MHctU1hVeWpNWjlBa1VleV9CU3lIUGRYUjRVc0t2TVFiZQ?oc=5) · legacy.com
- 2013-01-12 [No charges for former CEO who flashed gun at bank - Omaha World-Herald](https://news.google.com/rss/articles/CBMifEFVX3lxTFBzbFV3WmFtNTcwTEFtNi0tUDlmbHdHZ2pjZXBreENRV01iUElMWEljWDFUM0lrTnZpYUVYUXczbnRQZlRNck1yalVqY0lTRG9mWl8wSWJYRExNT0w5TVc3enRPckdBSnMwU2dNdGJhMlh1eTJYeGhrTHJHSkE?oc=5) · Omaha World-Herald
- 2021-05-29 [Benjamin Petrzilka Obituary (2008) - Omaha, NE - Omaha World-Herald - legacy.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxQYTNId0xrcXZTS3hnc2UydHR4b1c1MHY4TUhBZzRNenltbUNzSVBwdDR6SFFCME9rWEpzNGtxdWtvSHBGM0lvWjlBZFM0YnlaY2h4eXFQZkFiUk9YTWxJQUJSaTdPb09VaWZHWmY2UEN0Y24zZGxGcWh5LUxDcVlORFZ6WU5oTlhIU2hBTlZscw?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=20628 (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/20.json (key "20628", 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