# STATE-INVESTORS BANK
METAIRIE, LA · FDIC certificate 27626 · asset band <$300M · latest filing 2015-09 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 5 (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 | $248.7M | |
| Deposits | $150.6M | |
| Loans and leases | $201.6M | |
| Total equity | $39.9M | |
| Loans / deposits | 132.80% (p100 of band) | 73.61% |
| Liquid assets / assets | 14.40% (p11 of band) | |
| Uninsured deposits / deposits | 4.95% (p12 of band) | 13.65% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 22.72% (p97 of band) | |
| FHLB advances / assets | 22.72% | |
| Tier 1 leverage | 15.11% (p87 of band) | 10.70% |
| Unrealized securities loss / equity | 1.55% (p62 of band) | 0.86% |
| AOCI / equity | -0.29% (p19 of band) | |
| ROA (annualized) | 0.65% (p36 of band) | 0.84% |
| Net interest margin | 3.62% (p49 of band) | 3.64% |
| Efficiency ratio | 71.30% (p46 of band) | |
| Noncurrent loans | 0.39% (p37 of band) | 0.69% |
| Net charge-offs (annualized) | 0.00% (p32 of band) | |
| Reserve coverage of noncurrent | 198.33% | |
| Real estate % of loans | 99% | |
| Construction % of loans | 35.28% (p73 of band) | |
| Auto loans | $131,000 (0.06% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -7.2% | |
| Employees | 25 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **wholesale funding >15%** (`liq_wholesale`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | loans exceed deposits, liquid assets <10%, reserve under noncurrent |  |
| 2011-06 | 1 |  | loans exceed deposits, liquid assets <10% |
| 2011-09 | 2 | loans exceed deposits |  |
| 2011-12 | 3 | wholesale funding >15% |  |
| 2012-03 | 3 |  |  |
| 2012-06 | 6 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2012-09 | 5 |  | assets shrinking |
| 2012-12 | 4 |  | deposits shrinking |
| 2013-03 | 4 | charge-offs p90 | uninsured deposits leaving |
| 2013-06 | 3 |  | charge-offs p90 |
| 2013-09 | 4 | capital falling |  |
| 2013-12 | 4 |  |  |
| 2014-03 | 2 |  | reserve under noncurrent, capital falling |
| 2014-06 | 2 |  |  |
| 2014-09 | 3 | capital falling |  |
| 2014-12 | 2 |  | capital falling |
| 2015-03 | 2 |  |  |
| 2015-06 | 3 | deposits shrinking |  |
| 2015-09 | 5 | assets shrinking, uninsured deposits leaving |  |

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

- 2025-01-19 [Donald Courtade Obituary - Covington, LA - Dignity Memorial](https://news.google.com/rss/articles/CBMihwFBVV95cUxONnhVekJ1YmVSQUZOOHU1TEg5TWhacy1Xd2V2RW44QU9Wal9CRUV2RnRTT3habVR5T2t6SVBqNWwyMzJQODlJRC14YVhBdHYtNWkxS0JheWNtZnpiSmF5QXJDdno0VXJ2RXhyUnRwbTFzMTdsQlFSTnhFQTNHUWpRWU9VZVNIa00?oc=5) · Dignity Memorial
- 2011-12-23 [One homeowner's travails: Even after more than six years, family can't move back into "new" house - thelensnola.org](https://news.google.com/rss/articles/CBMicEFVX3lxTE1oeTROYVF0RzZyZFR3YkZiOHgwUDZocEU4cnRGS2E3RTB5a2t5Yks4eEhyR0VEeDFVQjRZUmV4eC04bkN4Yzdma2hFOHBrOV85a2hEZnpYS0tRN0VDRkpoTll4QU54bGxFS19IaDFvekU?oc=5) · thelensnola.org
- 2022-04-27 [William Gaudin Obituary (2008) - Metairie, LA - The Times-Picayune - Legacy obituary](https://news.google.com/rss/articles/CBMiigFBVV95cUxNbzFBTWxIX1R6TTljM0pQd2V3WUdpOExBMGh4MEE2Y09JRjhrYlRtMnV3cnNEc3M4ZldiOVN1V1NUN1Bac2tsSnVQb0JSOFhjVE5xbmNwaG1RYWIzZExvaTRWMWdUdjk0a0lGVUxZMHgwb0R3RTl1bFV6bVZETG5MdlJqZEdOTG5HTVE?oc=5) · Legacy obituary
- 2016-11-23 [Dalton Woolverton Obituary - New Orleans, LA - Dignity Memorial](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOdTY0WDBtVlRnTXp2SEozMXlRQjF5LVVneHNvSHhkVVhqS2JTeXEyb1hsYkVtZXp3SjNqQzB0M0Y3c1VpVldDWHI2NHpvUlItRzVweGV0eDNQbmM2Ykh0b0I3RUNqWXlyeExWSlBMVHBDTUxneWlZVzJ0d0hBb1NvREhEclFyQXVsTFdz?oc=5) · Dignity Memorial
- 2021-10-12 [John Messina Obituary (1955 - 2015) - Metairie, LA - The New Orleans Advocate - Legacy obituary](https://news.google.com/rss/articles/CBMingFBVV95cUxQdmVzenNhMlp3c2V4Yjl2aDlDa3ZOSG1lYlNQc3gtM2pXVEl2S1kya2ZNbUdWWmJZU0QtSkVlajB3QVBMcmozUEVlS1RJR1M3WkFsa2p1V20xbi1UOFNQa3lqM3BpZFR4QWs4Smo3V3NBMVJyaU9fOUpzUnFHQWpwVTJDbnZfb055emdrYWVKSDNMX0xDLTNJUVV5YTBXZw?oc=5) · Legacy obituary
- 2022-09-01 [Jules Albert Obituary (2022) - Metairie, LA - The Times-Picayune - Legacy obituary](https://news.google.com/rss/articles/CBMihwFBVV95cUxPdWt2UnlJVmM5Y09LTjRwR3NUR3ljbGVUYkVUcHlsMHFPMjhGc3U0VjEzMm9QVVJxTXRZQnlIZkJObkhrZVQwMnQwT0lyU0xkTXVXRkptWjlYR2p2TE56dmVJejJocGJJNlNsaGVaVkVGazB6TS1zeDRyY210a2xPRE5aeGkwRHM?oc=5) · Legacy obituary
- 2012-01-26 [Patrick Scullin Obituary (2012) - Metairie, LA - Greenwood Funeral Home - Legacy obituary](https://news.google.com/rss/articles/CBMihwFBVV95cUxNN3JfWDYtMUpFbFNabDJlV1lOWjhjTERvS21WbEk4SVZfaENta0pCRDVfYjJvNlJIWFNSandKSXlyR3ZSNjdsUFJTNkRrSFgzbDhNeGdJSkZPbl9YNEVGVk84WVhjYy1HY015cWN0M2IwSFExVnFFb2liSUhzUXFqd1dxY3h0UVU?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=27626 (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/42.json (key "27626", 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