# CORE BANK
OMAHA, NE · FDIC certificate 34363 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 4 (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 | $1.07B | |
| Deposits | $833.7M | |
| Loans and leases | $878.7M | |
| Total equity | $101.7M | |
| Loans / deposits | 103.93% (p92 of band) | 87.10% |
| Liquid assets / assets | 12.93% (p14 of band) | |
| Uninsured deposits / deposits | 32.33% (p54 of band) | 30.76% |
| Brokered deposits | 5.07% | |
| Wholesale funding | 16.54% (p83 of band) | |
| FHLB advances / assets | 11.48% | |
| Tier 1 leverage | 9.77% (p31 of band) | 10.50% |
| Unrealized securities loss / equity | -3.72% (p71 of band) | -7.75% |
| AOCI / equity | -1.00% (p18 of band) | |
| ROA (annualized) | 0.72% (p16 of band) | 1.26% |
| Net interest margin | 3.15% (p21 of band) | 3.70% |
| Efficiency ratio | 77.55% (p91 of band) | |
| Noncurrent loans | 0.11% (p15 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p12 of band) | |
| Reserve coverage of noncurrent | 1232.36% | |
| Real estate % of loans | 80% | |
| Construction % of loans | 104.47% (p90 of band) | |
| Auto loans | $48,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | -4.9% | |
| Employees | 124 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **wholesale funding >15%** (`liq_wholesale`)
- **expense ratio p90** (`earn_efficiency`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 2 | charge-offs p90 | noncurrent p90 |
| 2011-09 | 1 |  | charge-offs p90 |
| 2011-12 | 2 | capital falling |  |
| 2012-03 | 2 | loans exceed deposits | capital falling |
| 2012-06 | 1 |  | loans exceed deposits |
| 2012-09 | 2 | loans exceed deposits |  |
| 2012-12 | 2 | capital falling | loans exceed deposits |
| 2013-03 | 3 | loans exceed deposits |  |
| 2013-06 | 4 | liquid assets <10% |  |
| 2013-09 | 3 | construction >100% equity | capital falling, liquid assets <10% |
| 2013-12 | 5 | losing money, expense ratio p90, charge-offs p90 | loans exceed deposits |
| 2014-03 | 5 | capital falling, noncurrent p90 | losing money, charge-offs p90 |
| 2014-06 | 4 |  | capital falling |
| 2014-09 | 4 |  |  |
| 2014-12 | 5 | loans exceed deposits, liquid assets <10%, charge-offs p90 | reserve under noncurrent, noncurrent p90 |
| 2015-03 | 3 |  | expense ratio p90, charge-offs p90 |
| 2015-06 | 4 | capital falling |  |
| 2015-09 | 3 |  | loans exceed deposits |
| 2015-12 | 1 |  | liquid assets <10%, capital falling |
| 2016-03 | 2 | charge-offs p90 |  |
| 2016-06 | 4 | loans exceed deposits, liquid assets <10% |  |
| 2016-09 | 3 |  | charge-offs p90 |
| 2016-12 | 4 | charge-offs p90 |  |
| 2017-03 | 6 | capital falling, deposits shrinking, uninsured deposits leaving | charge-offs p90 |
| 2017-06 | 4 |  | capital falling, uninsured deposits leaving |
| 2017-09 | 5 | uninsured deposits leaving |  |
| 2017-12 | 3 |  | deposits shrinking, uninsured deposits leaving |
| 2018-03 | 4 | capital falling |  |
| 2018-06 | 5 | wholesale funding >15% |  |
| 2018-09 | 4 |  | wholesale funding >15% |
| 2018-12 | 2 |  | loans exceed deposits, capital falling |
| 2019-03 | 4 | loans exceed deposits, expense ratio p90 |  |
| 2019-06 | 4 | capital falling | loans exceed deposits |
| 2019-09 | 3 |  | liquid assets <10% |
| 2019-12 | 2 |  | capital falling |
| 2020-03 | 2 | reserve under noncurrent | expense ratio p90 |
| 2020-06 | 3 | liquid assets <10%, capital falling | reserve under noncurrent |
| 2020-09 | 2 |  | capital falling |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 1 |  | liquid assets <10% |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | charge-offs p90 |  |
| 2022-06 | 3 | loans exceed deposits, liquid assets <10% | charge-offs p90 |
| 2022-09 | 4 | capital falling |  |
| 2022-12 | 5 | wholesale funding >15% |  |
| 2023-03 | 5 | losing money, expense ratio p90 | capital falling, wholesale funding >15% |
| 2023-06 | 5 | wholesale funding >15% | losing money |
| 2023-09 | 6 | brokered >10%, NIM <2.5% | loans exceed deposits |
| 2023-12 | 7 | loans exceed deposits |  |
| 2024-03 | 8 | capital falling, losing money | loans exceed deposits |
| 2024-06 | 8 | loans exceed deposits | losing money |
| 2024-09 | 7 |  | capital falling |
| 2024-12 | 7 |  |  |
| 2025-03 | 7 | deposits shrinking | NIM <2.5% |
| 2025-06 | 6 |  | construction >100% equity |
| 2025-09 | 4 |  | liquid assets <10%, deposits shrinking |
| 2025-12 | 4 | construction >100% equity | loans exceed deposits |
| 2026-03 | 3 | loans exceed deposits | expense ratio p90, brokered >10% |
| 2026-06 | 4 | expense ratio p90 |  |

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

- 2026-02-22 [Digital bank Starling partners with New Zealand's SBS Bank in latest overseas software deal - Reuters](https://news.google.com/rss/articles/CBMixAFBVV95cUxQcWJnYy16S0hDZlBrWUhwMG9Fd1FDRW9yUTJ3Q0QwY2NNZnFLbE9LM3p3bGlYVWltenJKQXNPTl9hSnd5cEtaVURvVlZfMC0wUmlwSVl6SEZJczB3Z1V5NWdudU9YcFRINV9Ia0xIYmR0eDNLdXQwbUdUSnh3NndmNkNXcm9mXzk3RjBqMzR1Q0RfUnJydWNjemxHdFlkbDJkeDlSai16OVBwSnhUNzVTYTdiRmhSZXQ0R0huWmdzUjJSQkhf?oc=5) · Reuters
- 2019-03-05 [New headquarters helps Core Bank fulfill vision of 'exceptional customer experience' - Omaha World-Herald](https://news.google.com/rss/articles/CBMigwFBVV95cUxPYmdiWUk1WEZIZjdzSE9qbGh4aG1WRUt0dFdJejJ4MDZfeHRidXhKX1JKR0JxbVdPclozY0JqcEpIMTZ4LXhNTEdQcmVwZ2ItdjliWlBQb1VWRGhoRG41d0drZHVnMjYwQ0NWSEZPZDNmLVYzbmh1ZVFuS3c3TmVpS3FHaw?oc=5) · Omaha World-Herald
- 2020-04-28 [Core Bank Continues to Serve the Needs of Small Businesses With the Second Round of Payment Protection Program (PPP) Funding - newswire.com](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNZ0c1eUwzZHI0ZVFMTEhyYTdjU0o2bTJlb203T2xrZ2JWa0FXYy11bUkyQkJHR2l3dlRBQVdYeTdxanZEWU1YdnRRTFpTTDlFTWNYcm5ZU0xSQjdoTnNESWdJa0ZlNkM1UG9wamMwZ3dTTEZwdklvcHAtSURhRTBTWGhYOVlEUDE0azZBMFNNRUJIaDVydkhGX0EwLXJtNjMzeS1xdlBTV2hKdw?oc=5) · newswire.com
- 2024-03-28 [Putting Out the Welcome Mat | Core Bank | Papillion, NE - City Lifestyle](https://news.google.com/rss/articles/CBMib0FVX3lxTE9faEhTOFRrc1pmcFZSUG1EVG9QOXpfeXNhc2htRjV3UUhNWkIxWU9QcGxIdy0ycVBQUE5QRFVwbGdERzk0NDNwZldZb2Z5RkJGcUJpNEgtbFJUUlg5ZmFCbkI2cmpwZzNLbDB6VkZ1UQ?oc=5) · City Lifestyle
- 2022-05-27 [Core Bank supports Omaha business growth with new online financing option - Omaha World-Herald](https://news.google.com/rss/articles/CBMi5gFBVV95cUxOZkw1VzAwMEVKMmd1dGRiM1ZEb1dQeloxWVJrT1k2YTN0aW9iTW1MSGFEbFZKb2gyS3ZXMTE1N0Q2dV9TWE5CS3BVQ2c5SGNjVWtFNEhWbHpqem9hRFMwMnl2RzNyQ1lSVHM4Z0FjUi12WmxEU3k0X1g2dzFMUDBVRHZVVUZNWVdRcHdtTnVjNVRCQVFDNGszdXI2VzVLRHdxOFR6S1BVcTJIRmhxYUxyTGZjWmR4RDN2c2U3ZjBnY3FzNmg1WGY0emJabl8xS3pqX2p5cVNGeGNKTjNPNkFJRHNTbmlKdw?oc=5) · Omaha World-Herald
- 2024-10-03 [An $80 million development dead? What is being built in Bricktown? Your questions answered - The Oklahoman](https://news.google.com/rss/articles/CBMiwgFBVV95cUxQOTlIR1c1Q0VLV3plSWotNkF2eWRGaVF5dHlZUjhFMldONzJ6NTBUTTA0WW5YelRFM1JaYWdFQ0VOVUJJLVRfQUZvRldjNFktWWlDSnFDSW43bzg1YVVzRWM0aWxUNEVJdENfR3hVa05XU1JuQkNBMkxDY0I5Qm5KVE1QUm84eGhyTjNINlNyanUxUHdrMG1HelZpQVVXOHJ1Tk04cjNMeUJwalVFMl9rNnQtOHp2SGJwQ01mbS1yZ0tpdw?oc=5) · The Oklahoman
- 2022-07-01 [New World Bank Group Report Proposes Path for Vietnam to Address Climate Risks while Sustaining Robust Economic Growth - World Bank Group](https://news.google.com/rss/articles/CBMiiAJBVV95cUxPMG01R08xV3lBOHA0TzZHQ19QTUFseEl2MklpTTE2bWtPeVpFak4yZnRHNDhha1RoMlQxRV9GQ2I0RUlGakwxNDItdllXdzU2VzdkOFMzM25sbFR4bjJ1R2xzSGE0TjdZVmdFZkZHS0FmQlBkZnNLMGZUaEMydUdfV252UjAwTHFsaF82Qk1RVWFpc2EzY0lKWWxaVmpSNU12eHo4Yi1kSDR6SWJEZTZUS0hSaXJ1eUtUUS12NHlSNy1fcUZuc1ZBTkwtaXU2bHo5QzdYU3REb1JmamsxRTFVQTM0OVJsMG1zeGhXa3hlSkJFR2ZlNVREM1RVU3c0c08xM0E3RlRRVnA?oc=5) · World Bank Group
- 2023-03-20 [New York Community Bank buys most of Signature Bank - The Business Journals](https://news.google.com/rss/articles/CBMimwFBVV95cUxOdnU0SmpaWU54UFlHWHJUb21SYmd6U2tXb0FKNmduQXUzejJpRS1pWXlRbXdEc3pGdUdSNmw5d1Rma1NaUEp1NWFqRUhQVnhFdHU0ZTA3MzhXV3RUY0dqWXByRWxpN1RkUnRHaW9LMnZSc3BzUzJMX0xrWktCdWJtNFE4Yl80QjhUTTJnM1FzYkMzR0ExSGdOSGMtTQ?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34363 (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/59.json (key "34363", 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