# FIRST NB IN CRESTON
CRESTON, IA · FDIC certificate 4444 · asset band $300M-1B · latest filing 2024-03 · stopped filing (departed)

**Verdict on the desk:** this could be *run candidate*. Composite score 3 (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 | $449.7M | |
| Deposits | $351.0M | |
| Loans and leases | $278.8M | |
| Total equity | $36.2M | |
| Loans / deposits | 78.41% (p46 of band) | 80.39% |
| Liquid assets / assets | 33.76% (p68 of band) | |
| Uninsured deposits / deposits | 26.18% (p55 of band) | 24.77% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 12.98% (p78 of band) | |
| FHLB advances / assets | 0.34% | |
| Tier 1 leverage | 9.41% (p31 of band) | 10.32% |
| Unrealized securities loss / equity | -33.52% (p30 of band) | -17.90% |
| AOCI / equity | -0.33% (p58 of band) | |
| ROA (annualized) | 0.48% (p22 of band) | 0.89% |
| Net interest margin | 2.37% (p11 of band) | 3.32% |
| Efficiency ratio | 77.27% (p70 of band) | |
| Noncurrent loans | 0.39% (p59 of band) | 0.26% |
| Net charge-offs (annualized) | 0.01% (p69 of band) | |
| Reserve coverage of noncurrent | 325.16% | |
| Real estate % of loans | 64% | |
| Construction % of loans | 15.27% (p18 of band) | |
| Auto loans | $6.1M (2.18% of loans; DQ 0.26%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -5.6% | |
| Employees | 64 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)
- **NIM <2.5%** (`earn_nim`)
- **deposits shrinking** (`shrink_deposits`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | reserve under noncurrent |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 0 |  | reserve under noncurrent |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 1 | capital falling |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 1 | charge-offs p90 |  |
| 2014-12 | 2 | capital falling |  |
| 2015-03 | 0 |  | charge-offs p90, capital falling |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | loans exceed deposits |  |
| 2015-12 | 0 |  | loans exceed deposits |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 3 | capital falling, AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 2 |  | capital falling |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 3 | wholesale funding >15%, deposits shrinking |  |
| 2023-12 | 2 |  | wholesale funding >15% |
| 2024-03 | 3 | NIM <2.5% |  |

## 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=4444 (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/28.json (key "4444", 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