# CUSTER FEDERAL STATE BANK
BROKEN BOW, NE · FDIC certificate 28543 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. 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 | $120.7M | |
| Deposits | $95.7M | |
| Loans and leases | $83.5M | |
| Total equity | $13.9M | |
| Loans / deposits | 86.40% (p73 of band) | 73.59% |
| Liquid assets / assets | 24.90% (p32 of band) | |
| Uninsured deposits / deposits | 8.32% (p9 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 8.70% (p83 of band) | |
| FHLB advances / assets | 8.70% | |
| Tier 1 leverage | 11.99% (p52 of band) | 11.76% |
| Unrealized securities loss / equity | -6.57% (p50 of band) | -6.57% |
| AOCI / equity | -0.39% (p49 of band) | |
| ROA (annualized) | 1.10% (p47 of band) | 1.17% |
| Net interest margin | 3.74% (p39 of band) | 3.93% |
| Efficiency ratio | 66.62% (p52 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p20 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 63% | |
| Construction % of loans | 5.11% (p29 of band) | |
| Auto loans | $492,000 (0.59% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 1.5% | |
| Employees | 17 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | securities losses >30% of equity, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 1 |  | reserve under noncurrent |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 | reserve under noncurrent | securities losses >30% of equity |
| 2012-06 | 0 |  | reserve under noncurrent |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | uninsured deposits leaving |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 0 |  | uninsured deposits leaving |
| 2013-12 | 2 | capital falling, uninsured deposits leaving |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 1 | loans exceed deposits | capital falling, uninsured deposits leaving |
| 2014-09 | 1 |  |  |
| 2014-12 | 2 | capital falling |  |
| 2015-03 | 1 |  | capital falling |
| 2015-06 | 2 | wholesale funding >15% |  |
| 2015-09 | 4 | capital falling, uninsured deposits leaving |  |
| 2015-12 | 4 | liquid assets <10% | uninsured deposits leaving |
| 2016-03 | 2 |  | capital falling, liquid assets <10% |
| 2016-06 | 3 | liquid assets <10% |  |
| 2016-09 | 4 | reserve under noncurrent |  |
| 2016-12 | 4 | uninsured deposits leaving | reserve under noncurrent |
| 2017-03 | 2 |  | liquid assets <10%, uninsured deposits leaving |
| 2017-06 | 2 |  |  |
| 2017-09 | 3 | liquid assets <10% |  |
| 2017-12 | 2 |  | liquid assets <10% |
| 2018-03 | 0 |  | loans exceed deposits, wholesale funding >15% |
| 2018-06 | 4 | noncurrent p90, charge-offs p90, reserve under noncurrent, deposits shrinking |  |
| 2018-09 | 0 |  | noncurrent p90, charge-offs p90, reserve under noncurrent, deposits shrinking |
| 2018-12 | 2 | deposits shrinking, assets shrinking |  |
| 2019-03 | 7 | losing money, expense ratio p90, charge-offs p90, reserve under noncurrent, uninsured deposits leaving |  |
| 2019-06 | 5 | wholesale funding >15% | expense ratio p90, reserve under noncurrent, uninsured deposits leaving |
| 2019-09 | 6 | reserve under noncurrent, uninsured deposits leaving | losing money |
| 2019-12 | 4 |  | wholesale funding >15%, uninsured deposits leaving |
| 2020-03 | 4 |  |  |
| 2020-06 | 3 | noncurrent p90 | deposits shrinking, assets shrinking |
| 2020-09 | 2 |  | charge-offs p90 |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 | capital falling, charge-offs p90 | reserve under noncurrent, noncurrent p90 |
| 2021-09 | 1 |  | capital falling |
| 2021-12 | 0 |  | charge-offs p90 |
| 2022-03 | 2 | capital falling, NIM <2.5% |  |
| 2022-06 | 0 |  | capital falling, NIM <2.5% |
| 2022-09 | 0 |  |  |
| 2022-12 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2023-03 | 3 |  |  |
| 2023-06 | 3 |  |  |
| 2023-09 | 2 |  | assets shrinking |
| 2023-12 | 2 |  |  |
| 2024-03 | 1 |  | deposits shrinking |
| 2024-06 | 0 |  | uninsured deposits leaving |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 1 | capital falling |  |
| 2025-06 | 0 |  | capital falling |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | capital falling |  |
| 2026-06 | 0 |  | capital falling |

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

- 2025-07-08 [Bill Vocke Obituary Jul 8, 2025 - Govier Brothers Mortuary & Crematory](https://news.google.com/rss/articles/CBMiYkFVX3lxTE4xNTBvUkFlenpNMXlMa3QyTUdQM0plekpVSzhjeVVvcVViMlczQy1BaDZkQ2diRnBZVXFEZm53UWVlSXJKMFExUlNCUmk0WGFZRUtRbXFrSUl2eGtDRmhVX0V3?oc=5) · Govier Brothers Mortuary &amp; Crematory
- 2024-07-10 [Family duo faces forgery and identity theft charges - KHGI](https://news.google.com/rss/articles/CBMiigFBVV95cUxPWGNOdUdsWlJkcFFuQzhDbzFmeDZFOUFEUmNsdnViVzZ6c3RZcVFiSVFkUHlnMXBkendYTHdXdWpobWFqajdOOEpHb0Y1cWtEd3VaUE8zUHc4ZW5TRUlhWThMbG5EdFFDenNLSW45R2lmS3dUc0xBOV82SWNnWVNsUlU4aGFIZHJYWkE?oc=5) · KHGI
- 2024-02-13 [Custer County Board of Supervisors Approved the One and Six Year Highway Plan - Sandhills Express](https://news.google.com/rss/articles/CBMiugFBVV95cUxPSWpndGpyOGktS0dIa3RUS0lqanFqY3dBY25WSExvVmZxUFBoazUxNGtyRTd1Y1VNSUN4RnFJMWtCeUVzUnp0QVRJTGgzajQ0b19SdHZaa0ZjdjdoQkNidjNGSHk1Vi1fb0VhR2ZrU0NxOUdqZ2NZUmZiZUUtVy15VGhhVjA4M3otVDZWbE1rVWNkUVNacVpreW1IeFBaWW5ndm9COGF2UV85TkpUeXBOMzlWN0ZLWnFHUkE?oc=5) · Sandhills Express
- 2021-12-15 [UNK agribusiness program prepares Michael Gibbens for future in the field - UNK NEWS](https://news.google.com/rss/articles/CBMirgFBVV95cUxPT0hOZE53Qnl6bUlnUC1EMlAwY05UOFdZYXVma1hXZG43V2VxTHc3Z0thYkZ6MEZjX09TSERCWDNCd2pZZDZQU3ByOXpqWFRGNnBPNW9DR0lCc0YwNlZERVEzeW1rWUR5dF85NG9RVlFPTTcyNEtnck1EOGFySGl0U3VhRmZaODF1dUJkSWtpSDNLNjhNOEM4MzdiMkNJVHhjbjA0NzFRLUVYTV9pZFE?oc=5) · UNK NEWS
- 2022-09-07 [Temple Grandin to speak in North Platte/Broken Bow - North Platte Post](https://news.google.com/rss/articles/CBMiekFVX3lxTE5MVFRURkg4dXFYdzBERTg3RFlYZGROYklwUXMyN01hXzdlSFZqM2kyUkp4eS02UUZnbFRNeFZQT3hWY3I3Uk1MbXdlbnFfTzJrZjRSTlBVMEdmbkFSLU42Nlc1ZVBjb25Rd1hzdFhiNnNXR1pFVjlfVWZB?oc=5) · North Platte Post
- 2022-01-24 [New Owners Settle Into New Adventure At RTAce In Broken Bow; Hours Extending Feb. 1 - Sandhills Express](https://news.google.com/rss/articles/CBMivwFBVV95cUxNdUs4MDdxSzMxQlZGWU0ya0J1RVByVmhsdk5oSktENjRhRTZJYlU3Nkh0a3h4NG5TSFJSRVdZMlVkckVOUXlZVW5HR1VEVUlpQkNObnZqYUhpYjhScXhUUnYyVVdoRE9sU20tN1RBd3g4ZXlLZlQ0d2FiSUlnUllwUXB5V3NEM1Z1QzNSZC11R0hjcGZxTldpa3FqOTNXT3RkY2dtaTN6ZGdmTGU0WjdhM2xMSEFnZktZek5HNTlKMA?oc=5) · Sandhills Express
- 2024-10-17 [Drive through burger bash tonight to support local deputy/paramedic/firefighter - Sandhills Express](https://news.google.com/rss/articles/CBMivAFBVV95cUxONGMwcjJGWm9UUnhxTzBuUjdPTjVFbnBYekpCRF9Kc3pTaVVpa1V6YVQ3WWo3QWd3Qy01dk5lWWQyR1NyTnBmRFBOb2pMekZyMDRGaGZaaHJXLUNXaEE3amd3alFST0JCdnZVN1BMT3JVamY0WWR2c0FBYk1TZmVTQ3Nhd0t4LTR4TExKaG5sQ1dwZ3pjR21xRGZ1NngzSUh5ZGFENXJ5QTN4UlNQWUU1aEFTY3pzVldCLTE3dA?oc=5) · Sandhills Express
- 2024-10-11 [Area Football Preview – Twin Loup vs Anselmo-Merna on KBBN / Bow vs Minden on KCNI - Sandhills Express](https://news.google.com/rss/articles/CBMivgFBVV95cUxQOGpxV3g3MnBNdThBQlpNbkpFWUhaNWVLRmV0N2ZtV2NzRjA3ajdkT2psbkZ2ZEFwSDNtSGNreEpFa3N3YlQ1SXZ6ZEtKemVyT0lRMVBUSGVGMkEzc19NbGpieDZLbXdZZW5WQjlTOF9JZnZXckpMc0laZHRpbkItYWJBMW0xRFZqX0dOY1gyQjJKa2JsdnRod29mQ2g5X3FYV2lfTmZWUVNXVDg5UGhZV0RBWGdHY1FiWnY4ZmR3?oc=5) · Sandhills Express

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=28543 (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/63.json (key "28543", 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