# EAST DUBUQUE SAVINGS BANK
DUBUQUE, IA · FDIC certificate 5733 · asset band <$300M · latest filing 2015-09 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (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 | $163.3M | |
| Deposits | $131.2M | |
| Loans and leases | $140.3M | |
| Total equity | $16.6M | |
| Loans / deposits | 105.85% (p95 of band) | 73.61% |
| Liquid assets / assets | 8.87% (p3 of band) | |
| Uninsured deposits / deposits | 16.05% (p60 of band) | 13.65% |
| Brokered deposits | 0.12% | |
| Wholesale funding | 7.47% (p74 of band) | |
| FHLB advances / assets | 7.35% | |
| Tier 1 leverage | 10.23% (p42 of band) | 10.70% |
| Unrealized securities loss / equity | -1.50% (p5 of band) | 0.86% |
| AOCI / equity | -0.81% (p9 of band) | |
| ROA (annualized) | 1.09% (p66 of band) | 0.84% |
| Net interest margin | 3.82% (p61 of band) | 3.64% |
| Efficiency ratio | 69.30% (p41 of band) | |
| Noncurrent loans | 0.49% (p41 of band) | 0.69% |
| Net charge-offs (annualized) | 0.08% (p74 of band) | |
| Reserve coverage of noncurrent | 204.23% | |
| Real estate % of loans | 72% | |
| Construction % of loans | 74.73% (p91 of band) | |
| Auto loans | $1.6M (1.13% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 0.5% | |
| Employees | 39 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **liquid assets <10%** (`liq_thin`)
- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | brokered >10%, wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 2 |  | brokered >10% |
| 2011-09 | 2 |  |  |
| 2011-12 | 1 |  | wholesale funding >15% |
| 2012-03 | 2 | assets shrinking |  |
| 2012-06 | 1 |  | assets shrinking |
| 2012-09 | 3 | capital falling, charge-offs p90 |  |
| 2012-12 | 2 |  | capital falling |
| 2013-03 | 3 | deposits shrinking, assets shrinking | charge-offs p90 |
| 2013-06 | 0 |  | reserve under noncurrent, deposits shrinking, assets shrinking |
| 2013-09 | 1 | assets shrinking |  |
| 2013-12 | 0 |  | assets shrinking |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | capital falling |  |
| 2014-09 | 1 | loans exceed deposits | capital falling |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 3 | liquid assets <10%, capital falling |  |

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

- 2015-08-27 [Fidelity Bank & Trust buying EDSB - TelegraphHerald.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxPb0kxZEJxZGdMRVBMaWpDWlpKZ1d6WWVQNnQzS0tROEE2NTZ5VG9WSllQRElNaGNzUWFseHR5bjdqNGZsZVR2YlRTckl2dXdiOGhWUC0ydFZrNTA4TENiZVRlZlVvVjFsN0lTR2w1SjBMRzRhUGh3UFh6ZmpiVm93MVgxazI1ekR6MHJNRFhlX015UDRTRkNQbHg2OHU?oc=5) · TelegraphHerald.com
- 2023-08-21 [Joan Lee Jackson Obituary Aug 21, 2023 - millerfhed.com](https://news.google.com/rss/articles/CBMiX0FVX3lxTE9kNnBremhtSEp6emV3SHExdjFOTWs4TjVLWTllcEp2TVlTM2xXelRPZVEyck0tT3JpX3ZQUXNtRzliaE5DblpZNkUwYVA4YU94aWFKazhaaVdYRlppUkNR?oc=5) · millerfhed.com
- 2013-12-24 [Ralph John Tranel Obituary Dec 24, 2013 - millerfhed.com](https://news.google.com/rss/articles/CBMiX0FVX3lxTE1RWmxPVHlRYlhzOHM5VmJNamplWEREeDhSX0VHVkJrTXBweVZtcV94TVNUWExBSjM1VFN0ZWZrQ2lITlRnRTdrSEFoc3JSU3o2cjhoVWxlTWMwaFhWblpv?oc=5) · millerfhed.com
- 2014-07-03 [Hanawalt takes over as chair of Iowa ABI board of directors - The Des Moines Register](https://news.google.com/rss/articles/CBMixwFBVV95cUxOZzFYSFA1LTFSRDdOTmZkd0hLLWU4WF9EZTA3QWZFSTBKcDhRRU8yV1ZTU0VoYzdwdFBiQ3ZCaE9XZV9kV2daMVpCV0YyV2lmZ3hvTE83TmN4WWFwWHhPek5UdFJ1R3hOR204WFZNRkJZcWJOeGlQdE13YU9mbHN3Q3VyTlFVb0k4ZWlwWXpaWUtBQk9WX0VzMVAwT2pDMVFIR0thQzlJREw0bWlscGJCa1ltUHBGUkJRc3RDbmxIV1kyRDE3RGlj?oc=5) · The Des Moines Register
- 2017-08-17 [Heartland Data Breach Update: Thousands of Institutions Impacted - BankInfoSecurity](https://news.google.com/rss/articles/CBMiogFBVV95cUxNWVEyRWhPeVlpYXZaX19sN1VhVk5zZ1RJb2xUMlNFUmhWdnU2c1NxVXRJcVBxYTJXM0ptVjFreVRaQjJQNkdoQmFKWmQxU3ZNMU5ROGRsbVVreFdIeUhHMmEwSjdnaHVoaDd3ZmhWQmdDX1huU3UyeFlYakxsMW1DTEJEMmVsR3BLelpjd0xENjB1eFBqOXFFcFdtc1lqVE44YlE?oc=5) · BankInfoSecurity
- 2013-08-12 [Lori Thielen - TelegraphHerald.com](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOM0lsYjNpV2tLcUxXbW5tZHVYUDhVcFQzb04xei1CTVB2T1RnNkhkelNPWTNUZ0EwVzl0Vk5oRDNiRGVlRHg4YW9JZGZXUVdBQm90QkNDMGxQeU5sN1FuR0FHcU9jSnNrUFk1a0JjTVJ6b2xIYVFsOHRNQTBHVk5mX1ZoZ1N0WEo4c1BtMW5GMnBRb3ZCQjhkOUdVcGhKeHZjQ3FtQW56WmJkZHc?oc=5) · TelegraphHerald.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=5733 (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/37.json (key "5733", 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