# LOGAN STATE BANK
LOGAN, IA · FDIC certificate 4476 · asset band <$300M · latest filing 2026-06 · live

**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 | $92.2M | |
| Deposits | $83.6M | |
| Loans and leases | $78.3M | |
| Total equity | $8.2M | |
| Loans / deposits | 92.85% (p84 of band) | 73.59% |
| Liquid assets / assets | 12.90% (p8 of band) | |
| Uninsured deposits / deposits | 13.27% (p25 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.06% (p11 of band) | 11.76% |
| Unrealized securities loss / equity | -0.12% (p89 of band) | -6.57% |
| AOCI / equity | -0.06% (p66 of band) | |
| ROA (annualized) | 1.35% (p60 of band) | 1.17% |
| Net interest margin | 4.09% (p59 of band) | 3.93% |
| Efficiency ratio | 64.57% (p47 of band) | |
| Noncurrent loans | 0.35% (p50 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 264.71% | |
| Real estate % of loans | 58% | |
| Construction % of loans | 6.10% (p31 of band) | |
| Auto loans | $1.2M (1.50% of loans; DQ 1.71%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 7.8% | |
| Employees | 12 | |

## 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 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 2 | loans exceed deposits, uninsured deposits leaving | capital falling |
| 2013-03 | 0 |  | loans exceed deposits, uninsured deposits leaving |
| 2013-06 | 0 |  |  |
| 2013-09 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2013-12 | 1 | loans exceed deposits | deposits shrinking, uninsured deposits leaving |
| 2014-03 | 1 | uninsured deposits leaving | loans exceed deposits |
| 2014-06 | 1 | capital falling | uninsured deposits leaving |
| 2014-09 | 1 | loans exceed deposits | capital falling |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 | capital falling | loans exceed deposits |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 1 | loans exceed deposits |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 3 | wholesale funding >15%, capital falling |  |
| 2016-06 | 2 |  | loans exceed deposits |
| 2016-09 | 1 |  | wholesale funding >15% |
| 2016-12 | 2 | loans exceed deposits |  |
| 2017-03 | 1 |  | loans exceed deposits |
| 2017-06 | 1 |  |  |
| 2017-09 | 2 | uninsured deposits leaving |  |
| 2017-12 | 3 | loans exceed deposits, liquid assets <10% | uninsured deposits leaving |
| 2018-03 | 5 | brokered >10%, wholesale funding >15%, uninsured deposits leaving | loans exceed deposits |
| 2018-06 | 4 |  | uninsured deposits leaving |
| 2018-09 | 4 |  |  |
| 2018-12 | 4 |  |  |
| 2019-03 | 3 |  | liquid assets <10% |
| 2019-06 | 6 | loans exceed deposits, liquid assets <10%, leverage <7% |  |
| 2019-09 | 2 |  | capital falling, loans exceed deposits, liquid assets <10%, leverage <7% |
| 2019-12 | 2 |  |  |
| 2020-03 | 4 | leverage <7%, capital falling |  |
| 2020-06 | 4 | liquid assets <10%, uninsured deposits leaving | leverage <7%, capital falling |
| 2020-09 | 2 |  | wholesale funding >15%, uninsured deposits leaving |
| 2020-12 | 1 |  | liquid assets <10% |
| 2021-03 | 0 |  | brokered >10% |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2023-03 | 3 | assets shrinking |  |
| 2023-06 | 3 | liquid assets <10% | uninsured deposits leaving |
| 2023-09 | 2 | loans exceed deposits | deposits shrinking, assets shrinking |
| 2023-12 | 1 |  | loans exceed deposits |
| 2024-03 | 0 |  | liquid assets <10% |
| 2024-06 | 2 | liquid assets <10%, uninsured deposits leaving |  |
| 2024-09 | 3 | loans exceed deposits, reserve under noncurrent | uninsured deposits leaving |
| 2024-12 | 2 |  | reserve under noncurrent |
| 2025-03 | 2 | capital falling | loans exceed deposits |
| 2025-06 | 1 |  | capital falling |
| 2025-09 | 2 | loans exceed deposits |  |
| 2025-12 | 1 |  | loans exceed deposits |
| 2026-03 | 0 |  | liquid assets <10% |
| 2026-06 | 0 |  |  |

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

- 2017-08-18 [Cody Wills Obituary Aug 18, 2017 - Hoy- Kilnoski Funeral Home & Crematory](https://news.google.com/rss/articles/CBMiXEFVX3lxTE1PWDV3Um5FOTNqWkZnWGtnQVQ4empBbllicDhmMFFLcm5idG1sempXYlRkd1JfSTdlTENrX2dMb1FQUVByVThIUkxLWkllME0zM0E4QWF1TDVxOEVt?oc=5) · Hoy- Kilnoski Funeral Home &amp; Crematory
- 2021-02-04 [Historically Speaking - ArcGIS StoryMaps](https://news.google.com/rss/articles/CBMieEFVX3lxTFB0ek90dVRnWElhTXAxVVM3aVowY0g5LU1CcEdhNVhVNm5sb2lXNEhaR2xUbGNmYlNqQ1JXZVQtWklBYzhtUzRaMzBvTXFBZXZINXVlMmpNTmxvQ1phZm90TVR5cjAwdmEzdEZIcTllR0RfQlpTU2JPVg?oc=5) · ArcGIS StoryMaps
- 2025-06-18 [2025 State Trap: Success Targeted - Missouri Valley Times News](https://news.google.com/rss/articles/CBMihAFBVV95cUxNNGJiUFdMRkFVcll4TDFpZjRUdmY5TnhNZ09yQjgwejFiY1pYZzhiUEZYT2dENVpucDlQNHBwZzZQZU05b0hWc2FPNHFaa0JVNE0wb1U4RV84LWdJVEpLQm5RODc3LUdSTFE0dTJrcVJ2aklyVk9hQTNJR3Q5dXBhVk5CLVU?oc=5) · Missouri Valley Times News
- 2022-05-04 [Logan's Oviatt benefit walk on May 6 - Missouri Valley Times News](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNOWlsMERUTFFYUTI4ZElMTXNqM3dBRFpTcndSWHVVRFA4T093SnZFa3l3VldlQkk3MHJ0dHRlMmp0ZnV2UUthbTMwUVo0YWtpb0dwXzd1OWRSU1FScEFqR0VxdGs3dkl5SmQ3TThxWExkTG82a2lxNDhxMkd6Tjd4blNIMkM4blY3?oc=5) · Missouri Valley Times News
- 2024-06-12 [LHYSS Targets Success, Excels at 2024 State Trap - Missouri Valley Times News](https://news.google.com/rss/articles/CBMimAFBVV95cUxOaHBkMGFHaXJJd3A5MWMzbHVfNmthQ2duXzE4LU5jblJVd3RZWFNXQ2pwelRST2lPWTVLdzNkZG5XU1gxUV82Q3BkMUQ2UV8tLVhXekVvU3FoQWhadG92bTR0ME9nU1hKcFh1cFViXzlkd01yTGJlNTQxUDdtU2lmMlRkY2pTNlRhZzRIaW11MmdvSDBiWGVRLQ?oc=5) · Missouri Valley Times News
- 2024-03-20 [Missouri Valley FCCLA holds daddy/daughter dance - Missouri Valley Times News](https://news.google.com/rss/articles/CBMimAFBVV95cUxNVVlSRWdsdVd5YnhxMWtJMWd6Q0dEejVPMnR6bVNsbmdMZ3REODM2Z3Z1SzJQRjN5ckl2NUs0R3lseldrX1dhQTB5ZW1qZU90NGFtYWtIczh5ZGFpVGxqU0xHWVFzNXZ0NDg0dS1MSXpZUG9WcEcwVXVhVmVQWThpV3F6TjE4eDJNeVFEZVNfYzJHQTVuQmdoOQ?oc=5) · Missouri Valley Times News
- 2024-06-05 [Music in the Park lineup set - Missouri Valley Times News](https://news.google.com/rss/articles/CBMif0FVX3lxTE5KbkM5R1dxYm1mMDlFelJNZ3kzS0JTZ0xDeWNlNnNCalFGdDFxNUhkWnpJcE1FbUpyTXhjYUEtazYwS0JUQ0h0bk1xNnFHcHJBSl9YdDZ0RDBJZ1RfUTJjcl9rNm1DbGgzRkxNdGxZYS1ac3NpZzc0cndHU3dfVTQ?oc=5) · Missouri Valley Times News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=4476 (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/60.json (key "4476", 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