# EAGLE STATE BANK
EAGLE, NE · FDIC certificate 21809 · asset band <$300M · latest filing 2020-06 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (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 | $51.6M | |
| Deposits | $43.2M | |
| Loans and leases | $44.1M | |
| Total equity | $4.3M | |
| Loans / deposits | 101.07% (p93 of band) | 73.75% |
| Liquid assets / assets | 12.78% (p5 of band) | |
| Uninsured deposits / deposits | 25.17% (p78 of band) | 17.11% |
| Brokered deposits | 4.03% | |
| Wholesale funding | 11.78% (p86 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.47% (p10 of band) | 10.95% |
| Unrealized securities loss / equity | 1.79% (p41 of band) | 2.60% |
| AOCI / equity | -0.26% (p2 of band) | |
| ROA (annualized) | 2.35% (p95 of band) | 0.97% |
| Net interest margin | 4.71% (p92 of band) | 3.63% |
| Efficiency ratio | 46.02% (p5 of band) | |
| Noncurrent loans | 2.62% (p89 of band) | 0.52% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 39.03% | |
| Real estate % of loans | 69% | |
| Construction % of loans | 46.74% (p80 of band) | |
| Auto loans | $324,000 (0.73% of loans; DQ 3.70%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 6.5% | |
| Employees | 7 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | losing money, expense ratio p90 |  |
| 2011-06 | 3 | reserve under noncurrent |  |
| 2011-09 | 3 |  |  |
| 2011-12 | 4 | capital falling |  |
| 2012-03 | 0 |  | losing money, expense ratio p90, reserve under noncurrent, capital falling |
| 2012-06 | 0 |  |  |
| 2012-09 | 1 | reserve under noncurrent |  |
| 2012-12 | 0 |  | reserve under noncurrent |
| 2013-03 | 3 | losing money, expense ratio p90, NIM <2.5% |  |
| 2013-06 | 3 |  |  |
| 2013-09 | 5 | capital falling, uninsured deposits leaving |  |
| 2013-12 | 3 |  | expense ratio p90, uninsured deposits leaving |
| 2014-03 | 1 |  | losing money, NIM <2.5% |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 | losing money | capital falling |
| 2015-06 | 0 |  | losing money |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | capital falling |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 0 |  | capital falling |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 2 | loans exceed deposits, liquid assets <10% |  |
| 2017-12 | 3 | charge-offs p90 |  |
| 2018-03 | 1 | capital falling | loans exceed deposits, liquid assets <10%, charge-offs p90 |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 0 |  | capital falling |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | capital falling |  |
| 2019-09 | 0 |  | capital falling |
| 2019-12 | 2 | losing money, charge-offs p90 |  |
| 2020-03 | 1 | liquid assets <10% | losing money, charge-offs p90 |
| 2020-06 | 2 | loans exceed deposits, reserve under noncurrent | liquid assets <10% |

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

- 2020-02-18 [Nebraska’s Ericson State Bank closes, marking year’s 1st failure - Banking Dive](https://news.google.com/rss/articles/CBMiigFBVV95cUxONTVQb0FOU2ZDS1ZDXzN2U1c4SFd1UTVDZ2ZqdDVCTzBfbU9Bb1FTTDc5V2NhLVMyZk11eHdpeU4zU0h4azlKdW45SkZzNUFVa0duSnI3MzdvMHFxSW9FNGFsRGlyaXBSa3pvcVYyWGZ2OVFNS2I4NGZRVE5kcUQ1WjA3ZjVDdUJ1QXc?oc=5) · Banking Dive
- 2025-02-12 [Arkansas Visionary: The Trailblazer, Cathy Owen - Arkansas Money & Politics](https://news.google.com/rss/articles/CBMibkFVX3lxTE8tc1BULXZHeDdyUTcxMWxsMlFBcjBMa3VBd3haMHNHb3lHN256VlVjSlUxMUgxa0xjcWtIWFRPWmNBLUpTckI4NlZtUWJILVViaDctYWIySm9TVVdpYWd2N2tUSGYzbGRHTnVFSE93?oc=5) · Arkansas Money &amp; Politics
- 2020-04-06 [West Virginia’s First State Bank closes in 2nd failure of 2020 - Banking Dive](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOeE5QVXc5ekFQNFR5RWlEb1NNVmJnejBjMGFhMkoyQW1Ob0Z4SkRFaU9JZUlDdWF3UGN1eHVMSTFycHJ0dW8tTmJ2MnZFdFI3bDA0M0JEV3ZGRkhGQjhmclExV2hjWmdkVFJTR2RVT1ZaU2ZrZWVjQXowV0VYR1VpLURsQ0Q0SXdFRzBj?oc=5) · Banking Dive
- 2017-10-13 [Phyllis Oberle - roperandsons.com](https://news.google.com/rss/articles/CBMiXkFVX3lxTFBZVzNzT2dQMmpMQWRtaUlvV0g2TG1CTml6UTVLeHRZQTJ4dElEMk5zV1ZYSktrdmVpbkFCMnRQRHZ1enhqYXZsR3QxSTI2NVdNYVpFaUxqaXh5QnlOcUE?oc=5) · roperandsons.com
- 2010-06-19 [Albert H. Thurston - roperandsons.com](https://news.google.com/rss/articles/CBMiYkFVX3lxTFBpUlQxMldmVDl6ZnV3YUJOQ2NrelNKSUhNU2pGWXRCR2tzRmM5MlVJbk1feHBTQWI2ZGoxSEdENzY5WlhnNDN0UnFzcVhSb29WZ0tPV0xZcVYyU29tWjU0VEtB?oc=5) · roperandsons.com
- 2019-12-23 [Douglas Duey Obituary (2019) - Plattsmouth, NE - Fremont Tribune - legacy.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxQUUw0ODdNU2s4V3JGNGRIcTA0VW0wRUlEc0hLOEtLTldkTWVCbElCX05ZQ29ITTEzOGRzSFhxRldjQllMQlJjcENqeHdWd3VvQXFIWTBKVFRENWxGc1lfNHRzQkltcGs0a0ZFZnp6QWJpaGpZa056ajFYYml1TVVLMVhMZnhIaTBESUFNZHI5U1NlSkt5?oc=5) · legacy.com
- 2021-12-25 [Jerry Gagner - roperandsons.com](https://news.google.com/rss/articles/CBMiW0FVX3lxTE9oTWlqSWdKaDdudi11RkZRejJ6T044LWt5T1l2SDlkYkVRaW1HeDA2Z1hTNTBOLTVfbWgzV0RrQm5panZ1SHM1OWliZ2hOZXRtd09wUFVNUkRlWDQ?oc=5) · roperandsons.com
- 2007-12-03 [Justin Haase Obituary (2007) - Lincoln, NE - Lincoln Journal Star - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxQUkdzYl9ESTkzcWZkVG44TlY0MnV5bzR6cGF0LWlKUEY2UmFfUEJQeGhHM2M0R2ZBZlVLVFE4S2RFOHVaZkhnRGU4TmlERkJrWU1Gcmk2dDBJYWNFOVBVMll3SnJHSkY4ZTYtVmstdzRCVGFvQURpM29xUHBYVUxkVmw4SlFtRzN5dUZxdmxHSEU?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=21809 (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/49.json (key "21809", 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