# FNNB BANK
NEWTON, IA · FDIC certificate 4482 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 1 (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 | $109.5M | |
| Deposits | $89.3M | |
| Loans and leases | $78.5M | |
| Total equity | $9.1M | |
| Loans / deposits | 87.08% (p75 of band) | 73.59% |
| Liquid assets / assets | 24.58% (p31 of band) | |
| Uninsured deposits / deposits | 15.30% (p33 of band) | 19.81% |
| Brokered deposits | 5.48% | |
| Wholesale funding | 15.35% (p91 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.74% (p21 of band) | 11.76% |
| Unrealized securities loss / equity | -12.20% (p35 of band) | -6.57% |
| AOCI / equity | -2.57% (p8 of band) | |
| ROA (annualized) | 1.41% (p63 of band) | 1.17% |
| Net interest margin | 4.55% (p78 of band) | 3.93% |
| Efficiency ratio | 66.37% (p52 of band) | |
| Noncurrent loans | 0.55% (p58 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p16 of band) | |
| Reserve coverage of noncurrent | 187.99% | |
| Real estate % of loans | 72% | |
| Construction % of loans | 31.93% (p66 of band) | |
| Auto loans | $276,000 (0.35% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 2.7% | |
| Employees | 15 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)

## 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 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | uninsured deposits leaving |  |
| 2015-03 | 1 | deposits shrinking | uninsured deposits leaving |
| 2015-06 | 0 |  | deposits shrinking |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 2 | capital falling, charge-offs p90 |  |
| 2016-06 | 1 |  | charge-offs p90 |
| 2016-09 | 2 | reserve under noncurrent |  |
| 2016-12 | 0 |  | capital falling, reserve under noncurrent |
| 2017-03 | 1 | reserve under noncurrent |  |
| 2017-06 | 2 | capital falling |  |
| 2017-09 | 1 |  | capital falling |
| 2017-12 | 2 | uninsured deposits leaving |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 1 |  | uninsured deposits leaving |
| 2018-09 | 0 |  | reserve under noncurrent |
| 2018-12 | 1 | capital falling |  |
| 2019-03 | 0 |  | capital falling |
| 2019-06 | 2 | expense ratio p90, reserve under noncurrent |  |
| 2019-09 | 3 | losing money, charge-offs p90 | reserve under noncurrent |
| 2019-12 | 6 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2020-03 | 1 |  | expense ratio p90, losing money, charge-offs p90, assets shrinking, uninsured deposits leaving |
| 2020-06 | 0 |  | deposits shrinking |
| 2020-09 | 2 | capital falling, reserve under noncurrent |  |
| 2020-12 | 1 |  | reserve under noncurrent |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 2 | leverage <7% |  |
| 2022-03 | 6 | AOCI drag >20% of equity, securities losses >30% of equity, expense ratio p90, NIM <2.5% |  |
| 2022-06 | 3 |  | capital falling, expense ratio p90, NIM <2.5% |
| 2022-09 | 3 |  |  |
| 2022-12 | 2 |  | leverage <7% |
| 2023-03 | 3 | deposits shrinking, uninsured deposits leaving | AOCI drag >20% of equity |
| 2023-06 | 1 |  | deposits shrinking, uninsured deposits leaving |
| 2023-09 | 3 | deposits shrinking, uninsured deposits leaving |  |
| 2023-12 | 4 | wholesale funding >15% |  |
| 2024-03 | 3 |  | uninsured deposits leaving |
| 2024-06 | 4 | uninsured deposits leaving |  |
| 2024-09 | 1 |  | securities losses >30% of equity, wholesale funding >15%, uninsured deposits leaving |
| 2024-12 | 1 | assets shrinking | deposits shrinking |
| 2025-03 | 2 | uninsured deposits leaving |  |
| 2025-06 | 2 | wholesale funding >15% | assets shrinking |
| 2025-09 | 0 |  | uninsured deposits leaving, wholesale funding >15% |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | wholesale funding >15% |  |
| 2026-06 | 1 |  |  |

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

- 2026-09-01 [United Way of Jasper County’s school supply drive has record year - Newton Daily News](https://news.google.com/rss/articles/CBMirwFBVV95cUxOWUZrVTdyRndhUVhVYUp5SFljSGxaT2pqRUVKWkwtSkJrN2dCTDM3aU80Qms2TXpkSmZodTJXell6YlhsS2ZlajdRb2I1LVliaDYtamRxRW1CcHd1RUdGR3JQUnV4eFFzQnJOQjVYeFBYaDFERDJoenhjVGJaYVhqYnpabHZ2TC1aNnpnOTR5OHQwWmZBUHRDanFzVktCX0ZjSF9OcWFRMU10QmZhVkhj?oc=5) · Newton Daily News
- 2024-04-01 [Jane "Janie" Kahn Obituary - The Des Moines Register](https://news.google.com/rss/articles/CBMiZ0FVX3lxTFBkUWYyaTh0SmFEdV9wSC13aDN2bTY1SFVjUTFnamI2NmkwQmdGTUdPNlJMTkNCRTFFeWhHZ3VFODJPdVAzbWY5S01rbXQ3LTBINVhNeDZrMjZJbFNhMjdWR1pnM1pkS1U?oc=5) · The Des Moines Register

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=4482 (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/2.json (key "4482", 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