# LANDMANDS BANK
AUDUBON, IA · FDIC certificate 4471 · asset band <$300M · latest filing 2017-12 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $67.6M | |
| Deposits | $61.2M | |
| Loans and leases | $55.5M | |
| Total equity | $6.2M | |
| Loans / deposits | 89.57% (p75 of band) | 75.88% |
| Liquid assets / assets | 16.18% (p17 of band) | |
| Uninsured deposits / deposits | 14.47% (p46 of band) | 15.42% |
| Brokered deposits | 5.91% | |
| Wholesale funding | 6.01% (p69 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.99% (p16 of band) | 10.88% |
| Unrealized securities loss / equity | -0.71% (p49 of band) | -0.66% |
| AOCI / equity | -0.23% (p22 of band) | |
| ROA (annualized) | 1.38% (p80 of band) | 0.85% |
| Net interest margin | 3.86% (p58 of band) | 3.74% |
| Efficiency ratio | 68.87% (p44 of band) | |
| Noncurrent loans | 0.45% (p45 of band) | 0.56% |
| Net charge-offs (annualized) | 0.01% (p44 of band) | |
| Reserve coverage of noncurrent | 271.37% | |
| Real estate % of loans | 28% | |
| Construction % of loans | 0.00% (p7 of band) | |
| Auto loans | $908,000 (1.64% of loans; DQ 1.21%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 5.5% | |
| Employees | 19 | |

## 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 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | loans exceed deposits |  |
| 2013-03 | 0 |  | loans exceed deposits |
| 2013-06 | 1 | reserve under noncurrent |  |
| 2013-09 | 0 |  | reserve under noncurrent |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 2 | capital falling, reserve under noncurrent |  |
| 2014-09 | 3 | liquid assets <10%, assets shrinking | capital falling |
| 2014-12 | 0 |  | reserve under noncurrent, liquid assets <10%, assets shrinking |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | liquid assets <10% |  |
| 2015-12 | 0 |  | liquid assets <10% |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | capital falling |  |
| 2016-09 | 1 | liquid assets <10% | capital falling |
| 2016-12 | 1 |  |  |
| 2017-03 | 0 |  | liquid assets <10% |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | liquid assets <10% |  |
| 2017-12 | 0 |  | liquid assets <10% |

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

- 2022-05-20 [Audubon Community School holds 2022 Commencement - swiowanewssource.com](https://news.google.com/rss/articles/CBMiowFBVV95cUxORUVBdFpnZUZnWmlkNzlzSTVXRHkxcFQ0U2ZPYzFXX3pidWRNcVhWYm56NVdUTWxYc1hHYVp0ek8tbktRZXNWVzZGTjVTMTR0LUpfZFhaOXNGdk53NlJSSUFmUHpMV3ZzLTlseHVIT1dmY28tbngwRkwtdmFmdGpNWE1Hc2MySS1WQ1p3YkpjR21VaHgtVE4xb0ZzZTQ0TnA5S2Vn?oc=5) · swiowanewssource.com
- 2022-05-20 [Audubon graduates of 2022 start out their new path with commencement - swiowanewssource.com](https://news.google.com/rss/articles/CBMiogFBVV95cUxNWkpSOWhJVGNUcWNNUkh3TGFWREFtNFVxcGJLQV9FYkNuZnFyUXE0Y2tMZU1aaVVXcHFDaVhFMTE0UEFJeVNzeEhvUnh5RGJwSGVwQmxUMld0cEN1anVSS2dzd0tndjFZaS14a1VuTjRyOHRraFZ2U2dIMldQcnhrcFVHaFlyZlZaN0JzLWd4V2QydUUybW80RXpoU0xfOEhKa2c?oc=5) · swiowanewssource.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=4471 (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/55.json (key "4471", 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