# LOGAN COUNTY BANK
SCRANTON, AR · FDIC certificate 5632 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *auto lender*. 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 | $120.8M | |
| Deposits | $101.0M | |
| Loans and leases | $73.7M | |
| Total equity | $19.7M | |
| Loans / deposits | 72.12% (p47 of band) | 73.59% |
| Liquid assets / assets | 36.42% (p57 of band) | |
| Uninsured deposits / deposits | 30.30% (p82 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 16.89% (p85 of band) | 11.76% |
| Unrealized securities loss / equity | -6.76% (p49 of band) | -6.57% |
| AOCI / equity | 0.05% (p87 of band) | |
| ROA (annualized) | 1.25% (p55 of band) | 1.17% |
| Net interest margin | 3.46% (p28 of band) | 3.93% |
| Efficiency ratio | 50.28% (p14 of band) | |
| Noncurrent loans | 0.18% (p40 of band) | 0.36% |
| Net charge-offs (annualized) | 0.02% (p72 of band) | |
| Reserve coverage of noncurrent | 681.06% | |
| Real estate % of loans | 61% | |
| Construction % of loans | 12.16% (p42 of band) | |
| Auto loans | $12.7M (17.25% of loans; DQ 3.57%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 2.5% | |
| Employees | 14 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 0 |  | reserve under noncurrent |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 1 | capital falling |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 0 |  | capital falling |
| 2013-06 | 1 | reserve under noncurrent |  |
| 2013-09 | 0 |  | reserve under noncurrent |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | reserve under noncurrent |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 3 | capital falling, noncurrent p90 |  |
| 2015-03 | 3 |  |  |
| 2015-06 | 2 |  | capital falling |
| 2015-09 | 2 |  |  |
| 2015-12 | 1 |  | noncurrent p90 |
| 2016-03 | 2 | noncurrent p90 |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 3 | capital falling |  |
| 2016-12 | 3 | charge-offs p90 | noncurrent p90 |
| 2017-03 | 0 |  | reserve under noncurrent, capital falling, charge-offs p90 |
| 2017-06 | 0 |  |  |
| 2017-09 | 2 | capital falling, reserve under noncurrent |  |
| 2017-12 | 0 |  | capital falling, reserve under noncurrent |
| 2018-03 | 1 | reserve under noncurrent |  |
| 2018-06 | 0 |  | reserve under noncurrent |
| 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 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | capital falling |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 0 |  | capital falling |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 1 | capital falling |  |
| 2023-03 | 2 | NIM <2.5% |  |
| 2023-06 | 1 |  | capital falling |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 2 | capital falling |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 0 |  | NIM <2.5%, capital falling |
| 2025-06 | 1 | charge-offs p90 |  |
| 2025-09 | 1 | capital falling | charge-offs p90 |
| 2025-12 | 0 |  | capital falling |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2020-10-19 [Bank HQ Relocations Go Intra-City, Inter-County - Arkansas Business](https://news.google.com/rss/articles/CBMikgFBVV95cUxNeTBHRlNaZ3BNWHBjVlhhN2p4SWJQVnQ0WGtFeHlLUENvRmk3T3lla09HUmZHaGo4SDIyU2tNVWlxUlZyOGlBZjFKbG1rbzh2TkRoYU9sTUNqcl9fcFVvYzVnWFJEWWhBQlVhazlaVUIyTWpOVFFQTFJndER5UlFZdWh4TVhMR1JnS21qSlZscGpvZw?oc=5) · Arkansas Business
- 2017-08-07 [Bank Street Partners report shows Centennial Bank with top state ranking - Talk Business & Politics](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNSzVINlNwZ2tvNlBxYVFjcjc1T0JYSzB3SmZjdlMtNWhKTDNqZy1WTE8wOW5pV2dxQm0tRjUtQXhtNWZkU29HZjkwM3ZaV1JWTWJ4SjN4ZlM4WUlocU1GbmZCeHkwY2VlLUZKSXFNUDJSbnB5cE1RWHJCMnlKMWdjVnhUcTVIWUQzc3EwWlcyUGJDZ3djakpUZnMwcC1NNy1EeDYyN0FaTExUdw?oc=5) · Talk Business &amp; Politics
- 2020-12-04 [Bank of Bearden Scores Satisfactory on CRA Compliance Evaluation - Arkansas Money & Politics](https://news.google.com/rss/articles/CBMinAFBVV95cUxNZ2p2TGI5SkJFT0V5dS1nUl9PbEdhQ3QwaUpaVm1NdTF0eGtvOE10SHRPRkUyYWxwemI1b2pZSDl5aUxJNThFNS1ST3VSOEljY3AtMzRnY0Jldm5HMHQ0aEZSbE5nMWVZYkE4TE9udU5XejNQY3BmTWtWcmVVd1Q1UElqa0RpTHFfdkJzc2o5Z0QwQnRtc1hqanJJdjk?oc=5) · Arkansas Money &amp; Politics
- 2022-04-11 [Logan Taylor Turner Obituary Apr 11, 2022 - Brotherton Brothers Funeral Home](https://news.google.com/rss/articles/CBMiekFVX3lxTFBheXlsU0c5MVNHekgzZXZFWk9GSVByeU8tOFR5aHdkbURDZDNabmtINHQ5cUVELXdaRTNuaklMMl9VcFhOTzVHelhTWDJPN0tMV254U0pEc09rT2VyVzlMSHBLOGwxSGdmNWpTSnBzTXgtTl9maVRsaTRR?oc=5) · Brotherton Brothers Funeral Home
- 2023-05-10 [Schluterman Loved Coming to Work for Past 33 Years - University of the Ozarks](https://news.google.com/rss/articles/CBMigAFBVV95cUxNMFJ1NUdUV3ZEZ21NSThOc1dnM0I3MzNsOUc3NGRLLVRLMVB0bmVkcjhuYnprR0g2QmtxYVh5U3pCemg4ci1jem03M0x2YTkzRHpNUWVJdUpEVnA5SHNqSGhTaE5LUUNMTlBNMnN2OGlhUGFvTUJrVXJxbk1YVGw4cQ?oc=5) · University of the Ozarks
- 2024-12-05 [Scores - Northwest Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMiX0FVX3lxTE5WdXc3N3pqS1pNS0syWjUtWTQta2NmWTJSZDh6akdOTTdrMmhoRnNuZXQ2dld4QnJOYW41eE90LU1tMmFxSDRiVEgxcDRJd1RPZHV1UWYtNGIwTml4QjBN?oc=5) · Northwest Arkansas Democrat-Gazette
- 2011-06-15 [Margaret Newman Obituary - Fort Smith, AR - Dignity Memorial](https://news.google.com/rss/articles/CBMihwFBVV95cUxPNGQzbGYxVmdFZkJyV2pGRmtHbzBWT1ZvUEdIcW5MSk83bDUyQ0dUWDJJMURpWlpVakVSNG5MSG5PckZZVGlyc1N5dGM3NWdzeWVOSnZ5Y0xZUm85bHZrUVREQU5OMnhhUlVLYmY0M0pQTmppVGtmNzJ0VmdPdngzX19wdG8wT3c?oc=5) · Dignity Memorial
- 2024-12-01 [River Valley basketball teams highlight Foster Roofing Classic - River Valley Democrat-Gazette](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPTHJoMG9mRmYxMnVQTzItX20wdUtCdk1WSVJkQnVwSjFOdm9qQ0ItbmN5VDlsUW9NczdQWHJUQkw1MExiYThPSk9xOFk3dXVwTXZ6LWllVms5QzRoOWswdzc5el9tajdLVXU3aHQtR09RbHBlOVFpS3RRVnlxLVo2QVIxWG9jMzFocTFNZ2N2Y1NYdXNreTNMRmZ5eEpRcmxtdzFaVC1TTjRSVWc?oc=5) · River Valley Democrat-Gazette

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=5632 (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/0.json (key "5632", 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