# SIOUXLAND BANK
SOUTH SIOUX CITY, NE · FDIC certificate 23270 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $88.3M | |
| Deposits | $76.4M | |
| Loans and leases | $29.4M | |
| Total equity | $11.1M | |
| Loans / deposits | 38.03% (p10 of band) | 73.59% |
| Liquid assets / assets | 62.48% (p89 of band) | |
| Uninsured deposits / deposits | 18.06% (p43 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.36% (p57 of band) | 11.76% |
| Unrealized securities loss / equity | -2.37% (p68 of band) | -6.57% |
| AOCI / equity | 0.00% (p78 of band) | |
| ROA (annualized) | 1.55% (p70 of band) | 1.17% |
| Net interest margin | 3.59% (p33 of band) | 3.93% |
| Efficiency ratio | 41.74% (p4 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 60% | |
| Construction % of loans | 6.16% (p31 of band) | |
| Auto loans | $1.1M (3.75% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 3.9% | |
| Employees | 7 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 0 |  | reserve under noncurrent |
| 2012-06 | 2 | capital falling, reserve under noncurrent |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 1 |  | reserve under noncurrent |
| 2013-03 | 0 |  | capital falling |
| 2013-06 | 1 | reserve under noncurrent |  |
| 2013-09 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2013-12 | 0 |  | reserve under noncurrent, deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | reserve under noncurrent |  |
| 2015-03 | 4 | NIM <2.5%, charge-offs p90, uninsured deposits leaving |  |
| 2015-06 | 3 |  | uninsured deposits leaving |
| 2015-09 | 2 |  | reserve under noncurrent |
| 2015-12 | 3 | uninsured deposits leaving |  |
| 2016-03 | 1 |  | charge-offs p90, uninsured deposits leaving |
| 2016-06 | 2 | reserve under noncurrent |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 1 |  | reserve under noncurrent |
| 2017-03 | 4 | capital falling, deposits shrinking, uninsured deposits leaving |  |
| 2017-06 | 0 |  | NIM <2.5%, capital falling, deposits shrinking, uninsured deposits leaving |
| 2017-09 | 1 | reserve under noncurrent |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | charge-offs p90 |  |
| 2018-06 | 1 |  | reserve under noncurrent |
| 2018-09 | 3 | deposits shrinking, assets shrinking |  |
| 2018-12 | 2 |  | assets shrinking |
| 2019-03 | 1 |  | deposits shrinking |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 | reserve under noncurrent | charge-offs p90 |
| 2019-12 | 1 | capital falling | reserve under noncurrent |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | NIM <2.5% |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 1 |  | capital falling |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 2 | uninsured deposits leaving |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 3 | capital falling |  |
| 2022-06 | 2 |  | uninsured deposits leaving |
| 2022-09 | 1 |  | capital falling |
| 2022-12 | 0 |  | NIM <2.5% |
| 2023-03 | 0 |  |  |
| 2023-06 | 2 | deposits shrinking, assets shrinking |  |
| 2023-09 | 1 | uninsured deposits leaving | deposits shrinking, assets shrinking |
| 2023-12 | 3 | deposits shrinking, assets shrinking |  |
| 2024-03 | 0 |  | uninsured deposits leaving, deposits shrinking, assets shrinking |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | uninsured deposits leaving |  |
| 2026-06 | 0 |  | uninsured deposits leaving |

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

- 2024-08-14 [Erwin E. Larson Obituary August 14, 2024 - Munderloh-Smith Funeral Home](https://news.google.com/rss/articles/CBMiZEFVX3lxTE5hYmhUYm1Ma3BjZmV0TldVUU1XSlc3b1JESE8tTXRoLTFnNW5vajF4akF4VGFQeUVHUFFub1Z4UWprRkV1ZzN5cFkwOFZSTGdkUGkwbTMyU2dyTS1mTXh0Y0JJSHk?oc=5) · Munderloh-Smith Funeral Home
- 2024-10-15 [Bill J. Gotch Obituary Oct 15, 2024 - Meyer Brothers Funeral Homes](https://news.google.com/rss/articles/CBMiZEFVX3lxTFBOS0pEdnhzMW43c2FZTy1LdEplMXJyTUNSc3Azb1VHUE9EbEVOLXVFcDN0bjZwdG1HaTVZOXlvaklXWFFZOXp0NXIyR1dEZ3NiSngwMkQ0VEg3b2Y3VXVCMm40YU4?oc=5) · Meyer Brothers Funeral Homes
- 2024-12-20 [Google Wallet supports 16 new US banks now - androidpolice.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNclpKM0FwMldQeUU2d29DMEp1UExpNmdVU0FsTHpRVnVhcW9Kb2pYTDZnV0QtTGlDMWhLcUY3X245bkRWSVU4OUlMM1RrUXZmV1dDU0lsS0RuaFA2WXZFMjJON055ZHprSmV0Z0dhT3A2a1hjdmhZbTV6OXVJLXFnTy1BMXg4Sk9oQldn?oc=5) · androidpolice.com
- 2023-09-19 [Man sentenced to 8 years for 2021 Sheldon bank robbery - KCAU 9 News](https://news.google.com/rss/articles/CBMimAFBVV95cUxQOGVFYmgtRGx5dy1CczJLM1dwRDVrTUpRRVZENEhfUS04ZEFQZmRxcTBlUVJDNkktWVlNbUVONVA2Z0ZIMHFQZWtuMURBNk9td3N6RnNYb25IcUhoUWZmUkNaMUhfLWpNNE5fR2R4UGctOTMyTk1uVkhkcXRlNUFYZUhyTHlLYzlxcTZGLUVGS2p0ZjB2MlZ3Tw?oc=5) · KCAU 9 News
- 2021-04-28 [Barbara Wingert Obituary (2021) - Sioux City, IA - Sioux City Journal - legacy.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxNWnhUWHJQUXlaZGViVnBDWTdsYUdUWUJxNFRjU29MNXQ5a2ZnbGJ6dWdlYlk0NnI0ZXd2bGxiVm9LM1g2LUlKUEdHVU9CYXVPTUxETWpnWlN3N0NyaUFFdnpyVG1YbzJ2bW9QN24xdk5UaFluOTREQzVoaGNtUk5qT2ZYcFYtZFpnLWM5THV3bE95NzZKcHplaU53?oc=5) · legacy.com
- 2020-07-15 [Steven J. Nelson Obituary Jul 15, 2020 - Meyer Brothers Funeral Homes](https://news.google.com/rss/articles/CBMiaEFVX3lxTE9tc2N3bDBzMmgtdDhFd1ZVOFp5YTFPLXlhZVFMazcwcXFtR2c2RnZ3bnZnVW1pcnZ3MUtDaTdmRDVWa1dNX3hWMldKU2U0MlFmdUNEVDZ4V3E1WlhoeVZKeGkxLVFDU1l2?oc=5) · Meyer Brothers Funeral Homes
- 2020-11-04 [Patricia Carol Knerl Obituary Nov 4, 2020 - Meyer Brothers Funeral Homes](https://news.google.com/rss/articles/CBMiakFVX3lxTFBFUlh2Tkp1c3hrRldraFpPZGNfUWFPV3djOE9NbTF3THBEZnptdjNsWERXZzdNQWZjOU5hc2tYdkt3djY1Q19YSjdqXzl0bjVNbm9kSWV0WFVjamNxRTZMQnl5ai1NXzN5ZXc?oc=5) · Meyer Brothers Funeral Homes

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=23270 (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/38.json (key "23270", 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