# COLUMBUS JUNCTION STATE BANK
COLUMBUS JUNCTIO, IA · FDIC certificate 249 · asset band <$300M · latest filing 2015-09 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 7 (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 | $47.0M | |
| Deposits | $43.0M | |
| Loans and leases | $21.3M | |
| Total equity | $3.9M | |
| Loans / deposits | 47.48% (p15 of band) | 73.61% |
| Liquid assets / assets | 53.58% (p84 of band) | |
| Uninsured deposits / deposits | 8.80% (p28 of band) | 13.65% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p17 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 7.57% (p4 of band) | 10.70% |
| Unrealized securities loss / equity | 2.75% (p76 of band) | 0.86% |
| AOCI / equity | 1.71% (p92 of band) | |
| ROA (annualized) | -0.91% (p2 of band) | 0.84% |
| Net interest margin | 3.22% (p27 of band) | 3.64% |
| Efficiency ratio | 112.17% (p97 of band) | |
| Noncurrent loans | 4.85% (p96 of band) | 0.69% |
| Net charge-offs (annualized) | 0.29% (p91 of band) | |
| Reserve coverage of noncurrent | 83.93% | |
| Real estate % of loans | 64% | |
| Construction % of loans | 3.89% (p26 of band) | |
| Auto loans | $952,000 (4.47% of loans; DQ 2.31%, NCO 0.05%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -8.2% | |
| Employees | 13 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## 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 | 2 | charge-offs p90 |  |
| 2012-06 | 1 |  | charge-offs p90 |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | capital falling |  |
| 2013-06 | 3 | AOCI drag >20% of equity |  |
| 2013-09 | 3 | losing money | AOCI drag >20% of equity |
| 2013-12 | 6 | noncurrent p90, charge-offs p90, uninsured deposits leaving |  |
| 2014-03 | 5 | expense ratio p90, assets shrinking | capital falling, charge-offs p90, uninsured deposits leaving |
| 2014-06 | 5 | deposits shrinking | losing money |
| 2014-09 | 4 |  | deposits shrinking |
| 2014-12 | 3 |  | assets shrinking |
| 2015-03 | 6 | capital falling, losing money, charge-offs p90 |  |
| 2015-06 | 7 | deposits shrinking, assets shrinking | capital falling |
| 2015-09 | 7 |  |  |

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

- 2024-08-17 [Obituary for Janelle A Buster - sandhfuneralservice.com](https://news.google.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?oc=5) · sandhfuneralservice.com
- 2016-01-06 [Miriam Dircks - Cedar Memorial](https://news.google.com/rss/articles/CBMib0FVX3lxTE9WSUJScWdVTi00WmtfT1c2ODhPQUpVSHNqMkF6alRSRjF2Vk9SSWlWV0pMUlI1Z19fVk5wMHpYSC1pUGxaNjZhV3prWExsV3c1NGpTbVIxeHE5TU83SFF2WjF0d1RyRHAzbFZfbm1Hdw?oc=5) · Cedar Memorial
- 2021-08-16 [Obituary for Richard and Phyllis Utter - sandhfuneralservice.com](https://news.google.com/rss/articles/CBMid0FVX3lxTE1DZDlVWFVvSjZ6enVzbVRWdDFERXFFM0h3cncteXdhSk54NFJIeDZIYWZMa3J5VjJ3VjdCVUxDc0NWX08xM3E5S1hXNVVkYmd4RGVMTWdNNW9wMlNWUDhrNjZDYjRkUXlmNjBOMVhsNWd3YzNRLWFr?oc=5) · sandhfuneralservice.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=249 (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/57.json (key "249", 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