# VIKING STATE BANK&TRUST
DECORAH, IA · FDIC certificate 34135 · asset band <$300M · latest filing 2011-12 · stopped filing (departed)

**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 | $110.0M | |
| Deposits | $96.8M | |
| Loans and leases | $80.5M | |
| Total equity | $12.3M | |
| Loans / deposits | 81.74% (p74 of band) | 70.28% |
| Liquid assets / assets | 25.80% (p31 of band) | |
| Uninsured deposits / deposits | 13.31% (p74 of band) | 8.25% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.68% (p39 of band) | |
| FHLB advances / assets | 0.68% | |
| Tier 1 leverage | 10.79% (p63 of band) | 9.92% |
| Unrealized securities loss / equity | 3.85% (p55 of band) | 3.23% |
| AOCI / equity | 5.06% (p82 of band) | |
| ROA (annualized) | 2.27% (p96 of band) | 0.69% |
| Net interest margin | 4.40% (p80 of band) | 3.86% |
| Efficiency ratio | 43.19% (p2 of band) | |
| Noncurrent loans | 0.77% (p36 of band) | 1.38% |
| Net charge-offs (annualized) | -0.07% (p2 of band) | |
| Reserve coverage of noncurrent | 219.52% | |
| Real estate % of loans | 62% | |
| Construction % of loans | 28.84% (p63 of band) | |
| Auto loans | $2.3M (2.85% of loans; DQ 2.22%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | – | |
| Employees | 15 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |

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

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34135 (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/23.json (key "34135", 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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