# ITS BANK
JOHNSTON, IA · FDIC certificate 34619 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $45.2M | |
| Deposits | $500,000 | |
| Loans and leases | $0 | |
| Total equity | $41.1M | |
| Loans / deposits | 0.00% (p2 of band) | 73.59% |
| Liquid assets / assets | 98.17% (p100 of band) | |
| Uninsured deposits / deposits | 30.00% (p81 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 97.51% (p99 of band) | 11.76% |
| Unrealized securities loss / equity | -23.69% (p19 of band) | -6.57% |
| AOCI / equity | 0.46% (p94 of band) | |
| ROA (annualized) | 61.63% (p100 of band) | 1.17% |
| Net interest margin | 4.50% (p77 of band) | 3.93% |
| Efficiency ratio | 10.23% (p0 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | – | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $0 (– of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 0.0% | |
| Employees | 0 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | NIM <2.5% |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 0 |  | NIM <2.5% |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | NIM <2.5% |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 2 | capital falling |  |
| 2017-09 | 1 |  | capital falling |
| 2017-12 | 1 |  |  |
| 2018-03 | 0 |  | NIM <2.5% |
| 2018-06 | 1 | capital falling |  |
| 2018-09 | 0 |  | capital falling |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | capital falling |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 0 |  | capital falling |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 1 | capital falling |  |
| 2024-06 | 0 |  | capital falling |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 1 | assets shrinking |  |
| 2025-09 | 2 | capital falling |  |
| 2025-12 | 1 |  | assets shrinking |
| 2026-03 | 1 |  |  |
| 2026-06 | 0 |  | capital falling |

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

- 2026-07-10 [Fed faults Iowa bank holding companies - Banking Dive](https://news.google.com/rss/articles/CBMihAFBVV95cUxNZmlfdWF4Nmp1UEFaSVFhNGp0dDh2d1FxSE8xa2pQeEZGbFhJdzYzWEVqNVRfX01EOXRrV1VLeUpsZjhWM25SUEdCZ1Q0akRJSkwyU3NqbFdKaW9FN19qVGt3ai10V2RTckdmVE1kejVlVFlsdHBBby1yS01MZVc0X2VmT24?oc=5) · Banking Dive
- 2026-07-09 [Iowa bank holding company cited for inadequate capital - American Banker](https://news.google.com/rss/articles/CBMilAFBVV95cUxNbHRIRE9nNTRxRUZZQ3BKaHM1d24zS0Yyc0VhYUI4QTVOcUotU1B0QmNnTmRoM0w3aTVqbXE5TkJ3SjNKbmNwUnZFdElGUjdiU2p1UGF2em5WV0Q5am5ISmY0cjBlNzZ5UkpLNFZwRDhGcWNLXzhuS3N6V1pHUVpxVG1VRS1PNk4tNFc3MEZpb3d1emcy?oc=5) · American Banker
- 2026-06-17 [Associated Bank Announces Fourth Annual Day of Service - Eastern Progress](https://news.google.com/rss/articles/CBMi0gFBVV95cUxQUTM3eXNPaXBZTnBVcm1WUHhPakNXXzVLQ3hjNXNZbHhVVWowY1ktS3Y0M0ZkNGFEV2poQXdJaUctc3Rkdk9iUW1LSXItWGZZbDdRNWM4cVBqTFhicU5nY1BzZGxjVi1oWFdjTGp4YjhsTlR0M1ZtbVZYMENJanA1RkIxN0VTS0J4dTJNVmNudUM3b01qNklnRWRaYzZaUGp1OEZCbXBsRFhlbmZzS0RRQUFRQVBiNjFmVE5CcDl4SzVtX0ZtZ2oyTjdOa3h6dGRoMmc?oc=5) · Eastern Progress
- 2026-06-18 [GreatAmerica Becomes a Bank and Jennie Fisher Says Goodbye After 34 Years - Industry Analysts, Inc.](https://news.google.com/rss/articles/CBMipgFBVV95cUxPNGIwNWJTSzFVZlhlX3VPSGxpQkQzMWFIRlZOU2hld2pTUk12ODhGSGtTODJ0VFZIbThNdE1pZlJWOHZia3VWdlotTTRXYThJX2Z2cFF5dTZrVlh0Um5zaU54RW55c2N4eXBPaUNHSThHWUIyYjNjTTRBYUhBMFZLMkVXR2RoN3NMLWs1Zll0cXY3akxHdzVzRnVBN0Z4Tkk3RU5hSnl3?oc=5) · Industry Analysts, Inc.
- 2026-08-21 [Canada's Fairfax may get 2 years to consolidate holdings for IDBI Bank deal, sources say - BusinessLine](https://news.google.com/rss/articles/CBMi8wFBVV95cUxQZEh0cDV6MzloOW8zOTVxak84aHJ3dm82NTUyYXFDMlpqTk1nUGRQZzZ0dTN6cG5fVUhlZlVmc05kQUlkWnpkallKc1dmSm9CR2lZZnp3bk1CaHJXeUo5NFdEZW9URkdJQmpTQnNyeW9saTVrWERiM2FqVHBVcTl0aG9UbkhscldQTlV0SVo0ZlM5dWZkSkZscWpEUF8tbFFVODJGakE4TWlERFIyQmxxYVlNYm5PZWRMbExnVWZsN2NFejQ0WS1KZzJ2Tm5wdlkzYmVtSHdVZm1BWWMteXpld1VVcHFOdldjNnZZdXVKMG80bG_SAfoBQVVfeXFMUDFEVHFYYUstZVpTQjJfVm9WVW1QQVNuaWx5dkl2U3lGR3pzZU45OHF3TWFaa1dfRnhvLTZlZE1GV2RHQ1l4OGNDN1Z3NDFiSnhvc1NwVnI0M251QWd4aE9PekgtbHhUZFhvODJNMENvdGkyQ2hVZ1ZoQ3NsYk9QTldad1gxMmI0Nmdzb0N4Vm50OHZSUVVRN21Pci1aUkhGc011a21vZFFTMlIzZFU1dElTSHJNSzZBQWRyejYtd192SmtKbTlQZEhJbTFjMXpCa1RjbnNQZ3JpVzFzdURaY08tRXZUNXZFN2VRSGVjdjQySFZkZ2pLSmprQQ?oc=5) · BusinessLine
- 2026-05-17 [A major bank just moved its stablecoin strategy into Wall Street’s hidden financing machine - CryptoSlate](https://news.google.com/rss/articles/CBMiggFBVV95cUxPX3E0VWdldWJWbVdwZ3owb2NxaVFPNldRaUc5SUJZa2xpSHBYdjVVOW5MSDBHOElVUE12b1JRc1M0WWVYM2ljNHZkcFlPUUpkd3NBRW1OdGpXdGtkZzMydE40QzV1OGFxRDhmWlRBTVdsanllU0RRWGFMRXR4MWlRZi13?oc=5) · CryptoSlate
- 2024-09-26 [Credit Unions Buying Banks to Get Added Scrutiny in FDIC Reviews - Bloomberg Law News](https://news.google.com/rss/articles/CBMiqgFBVV95cUxOZWhxVktSMlFTOGRhVXE3My1maFVFRjJieWFIbmVXdU9tTWplSnd3aXdUSkpWTm5wZHdkdm5UZUVfdHdPU3FmbDR2cjltZzJ5OENkc0VVZVhwT0FzRWg4dE9xWWVWNGw4UGRkUmJKT2k2YkMzX1RHeGtibnVFV3BvMnJLVTVtTVY3VWF6QVF4MkFIa1FhUVNwR2haQ1FKa1RoQk9qT1RZT3pJdw?oc=5) · Bloomberg Law News
- 2026-02-19 [Xavier Catholic Schools says new middle school is donor-funded, not taxpayer-backed - KGAN](https://news.google.com/rss/articles/CBMi-AFBVV95cUxPbUt1aTJUaEhSOUNxc3pWVTRaLThfeldCT2RYR3FyNXpocE1CSGh3eVZTMXBSWEtXazIxUUptVXRrMmd4VU1xZkh6UGtmZE5UZHJueTZXblFPLWZ0UW95OUdHNmpGeHJkMm9UVF9iem9VM25scGJOendlYllMX2xiSXlxOXZvSjhsZVM2ZlF1SGdpSnc5eFluQktzYmFaemZlRDctd2psRHdSYklVOGRMWU5JTkR1OTBNTUdha21ycXdIbVM5cnRTd0F4ZGdMdzlKaEc1ZWNZalBZdmFZQUI4WEJMdEJDUTdVaTAtOFd5Tk1yVm9mR3ljVw?oc=5) · KGAN

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34619 (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 "34619", 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