# WORLDS FOREMOST BANK
SIDNEY, NE · FDIC certificate 57079 · asset band $1-10B · latest filing 2017-06 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 6 (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 | $5.68B | |
| Deposits | $1.11B | |
| Loans and leases | $5.59B | |
| Total equity | $652.9M | |
| Loans / deposits | 492.35% (p100 of band) | 89.72% |
| Liquid assets / assets | 2.71% (p1 of band) | |
| Uninsured deposits / deposits | 0.00% (p0 of band) | 25.51% |
| Brokered deposits | 19.35% | |
| Wholesale funding | 87.38% (p100 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.41% (p79 of band) | 9.96% |
| Unrealized securities loss / equity | 0.00% (p50 of band) | 0.00% |
| AOCI / equity | 0.00% (p7 of band) | |
| ROA (annualized) | 2.90% (p98 of band) | 0.99% |
| Net interest margin | 10.21% (p99 of band) | 3.49% |
| Efficiency ratio | 57.43% (p31 of band) | |
| Noncurrent loans | 0.43% (p39 of band) | 0.54% |
| Net charge-offs (annualized) | 2.60% (p99 of band) | |
| Reserve coverage of noncurrent | 502.60% | |
| Real estate % of loans | 0% | |
| Construction % of loans | 0.00% (p3 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p37 of band) | |
| Deposits YoY | -8.1% | |
| Employees | 710 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **liquid assets <10%** (`liq_thin`)
- **charge-offs p90** (`aq_nco`)
- **deposits shrinking** (`shrink_deposits`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | loans exceed deposits, brokered >10%, wholesale funding >15%, liquid assets <10%, charge-offs p90 |  |
| 2011-06 | 4 |  | liquid assets <10% |
| 2011-09 | 5 | capital falling |  |
| 2011-12 | 5 | liquid assets <10% | capital falling |
| 2012-03 | 5 |  |  |
| 2012-06 | 5 |  |  |
| 2012-09 | 5 |  |  |
| 2012-12 | 6 | capital falling |  |
| 2013-03 | 5 |  | capital falling |
| 2013-06 | 4 |  | liquid assets <10% |
| 2013-09 | 5 | capital falling |  |
| 2013-12 | 5 | liquid assets <10% | capital falling |
| 2014-03 | 4 |  | liquid assets <10% |
| 2014-06 | 6 | liquid assets <10%, deposits shrinking |  |
| 2014-09 | 7 | capital falling |  |
| 2014-12 | 7 |  |  |
| 2015-03 | 6 |  | capital falling |
| 2015-06 | 5 |  | deposits shrinking |
| 2015-09 | 5 |  |  |
| 2015-12 | 6 | capital falling |  |
| 2016-03 | 6 |  |  |
| 2016-06 | 5 |  | capital falling |
| 2016-09 | 5 |  |  |
| 2016-12 | 5 |  |  |
| 2017-03 | 5 |  |  |
| 2017-06 | 6 | deposits shrinking |  |

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

- 2017-09-27 [The Top 7 Bass Pro/Cabela’s FAQs - Fishing Tackle Retailer](https://news.google.com/rss/articles/CBMibkFVX3lxTFBVVmcxMldmN294LVNMZFk5U1VaZ0tWQV9WZ1FpSDVWYlZaZTQtTDhsLTdkaFg2T21zcTNaXzlNakRaTGtRbzlVNWhrbmJXR1JRWGYwNkZiYVNETC0xZnZBVFRmdERRVThuVldRNlZ3?oc=5) · Fishing Tackle Retailer
- 2016-05-27 [Marion County court records: May 21-27 - statesmanjournal.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxOSlZfUGVnZnNhb0Z3eWo0YTRaVjlOSjhEX2RFMkRXOC1EMkRUUVVCMTRHVUtTcWU2TmMzYXppUm1LV2t5WGpRTF9YQXZTSkRwVHhtQV9wZjJNclA3Z0NWOHVRTW5FYmFvaVVvZk84QmtmbVhCZ3czQnN2SG5sVDBHaEZoTnZwMzdETnRHVkhYTHQyakRydkJ4ZHNNbWM?oc=5) · statesmanjournal.com
- 2016-01-16 [Marion County court records, Jan. 8-14 - statesmanjournal.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxORm0tNWJFSm4waUxVTUh6NmNWQWo0V0pPSW4xdWdNRFZMRlBvMlNSLTEyN3Znb1ZqQmlYY0dPQWxVRmhuU1hCWGNRVEEzbnp1bUVrZTgtNjJvSmx4cTEyQ09QYWZjS0VmS09FalFOTFR1ejI2RzNWODBZUjFrd2VDR3d3ZDVCank2d1lBdkw4MHhGZmJkQ3Vua0JmMGc?oc=5) · statesmanjournal.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57079 (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 "57079", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide