# BANKERS TRUST CO
CEDAR RAPIDS, IA · FDIC certificate 57484 · asset band $300M-1B · latest filing 2015-12 · 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 | $493.1M | |
| Deposits | $297.7M | |
| Loans and leases | $446.7M | |
| Total equity | $50.2M | |
| Loans / deposits | 147.16% (p100 of band) | 82.78% |
| Liquid assets / assets | 7.76% (p2 of band) | |
| Uninsured deposits / deposits | 42.36% (p93 of band) | 20.30% |
| Brokered deposits | 1.45% | |
| Wholesale funding | 29.77% (p97 of band) | |
| FHLB advances / assets | 26.02% | |
| Tier 1 leverage | 10.00% (p49 of band) | 10.05% |
| Unrealized securities loss / equity | 0.31% (p46 of band) | 0.46% |
| AOCI / equity | -0.20% (p51 of band) | |
| ROA (annualized) | 1.06% (p62 of band) | 0.91% |
| Net interest margin | 3.52% (p45 of band) | 3.59% |
| Efficiency ratio | 56.80% (p18 of band) | |
| Noncurrent loans | 0.07% (p9 of band) | 0.71% |
| Net charge-offs (annualized) | 0.00% (p27 of band) | |
| Reserve coverage of noncurrent | 2812.21% | |
| Real estate % of loans | 78% | |
| Construction % of loans | 69.56% (p77 of band) | |
| Auto loans | $1.3M (0.29% of loans; DQ 0.23%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 1.6% | |
| Employees | 43 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **wholesale funding >15%** (`liq_wholesale`)
- **liquid assets <10%** (`liq_thin`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | loans exceed deposits, wholesale funding >15% |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 3 | liquid assets <10% |  |
| 2013-06 | 2 |  | liquid assets <10% |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 3 | deposits shrinking |  |
| 2014-12 | 4 | liquid assets <10% |  |
| 2015-03 | 2 |  | deposits shrinking, liquid assets <10% |
| 2015-06 | 4 | liquid assets <10%, capital falling |  |
| 2015-09 | 3 |  | capital falling |
| 2015-12 | 3 |  |  |

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

- 2026-03-09 [Bankers Trust’s Coffin to retire this summer - Business Record](https://news.google.com/rss/articles/CBMigAFBVV95cUxPbklQUTdmMjNpVzFNYmxYbEFYbmx2aE9odXdNanFpWHhZTE9nQ1JFT05kRXJYeVE3OEtpRGU5MWEyejVETGRxNlFDREJHdjctel9VSnlMOFF4c3BfLXlQdDU5YS1MOE5TOExEVnQyZl8tR21MMTlYLTItQUstRENwOQ?oc=5) · Business Record
- 2013-10-23 [Bankers Trust: Earnings rose 16% in third quarter - The Des Moines Register](https://news.google.com/rss/articles/CBMiuwFBVV95cUxOR0w2TEpiQV8xa1d0b2dUMkJLTy1qM2VZdVNiTjBwVmpSQ1c2WDh3bnpyZDdNZ2JQYUVQUV8weUQ2TGhsZ0xkbVVCa1ZBZG52OWd4WV9MU2ZfLVhCYU5QZFVJd3NfWFR2TXoyUEpJeEV6dFdnMDVhTWlzT0N0YlhtMGdFd1Foc3JUZUlZZmlvUVJFTS1FSE5XQlhSOGhhMkJSSm5oZi1BT0NacFQ0d19kdlJiakpMVUgzdE9Z?oc=5) · The Des Moines Register
- 2019-01-18 [Bankers Trust names new Arizona leader - The Business Journals](https://news.google.com/rss/articles/CBMimwFBVV95cUxOQ09kYm11d0dkZUZXLXA5SE40S2k5b2tKRW5jODF0RmxKQjZQZS1DcFVPSmUwZWlGaXFNNGtGb3EzUl82WmdsS3lqOFg5M2x0UjJNU0N5YzlPenozcWZZRWFiejZveW41YkdQems3UFBKaGstWnV2TWdJODhBdFRxNk5yNkJkN0VhcjJVQ0hpY2ZrRnFrcDRpMnRCVQ?oc=5) · The Business Journals
- 2019-04-16 [Bank’s LinkedIn Project Builds Sales Leads and Influencer Status - The Financial Brand](https://news.google.com/rss/articles/CBMiwgFBVV95cUxPQWhtMEREcjU2ZGxiRF9QSzdZbE5XLWJOaVZpYzRucnkxckozZF9iMHBQXzRCbVBuVHI5WkVRUU5ubXJLMjdmQTdSQzNQTmxBRDdYVW1IVlRXaU1XR2h5N2pzTnVINnZzTUNNWDBlejZkMEQ1TGtkaWhLenFZWlZQRnBRa21CTTZRamcxXzJrQl9MZEs4NGZhbTZxazYxQWhLTHhrWXlCSlJhOW8xWDlGWnM0NFE4b3BRUzlzalJpZkFxUQ?oc=5) · The Financial Brand
- 2014-11-03 [Jennifer Welton - Corridor Business Journal](https://news.google.com/rss/articles/CBMiWEFVX3lxTE1CblJ0UVl4eHJYMlFXdUlucExIMEptWE5ybGhiR2JGVWhSdXZhY29sTkFjNjRtQ19ZbTlCRjVBWjZyTEYybUkxbjdrRU54Sm5zUXUtVm9peXA?oc=5) · Corridor Business Journal
- 2025-04-08 [America’s Best Regional Banks and Credit Unions 2024 - Newsweek Rankings](https://news.google.com/rss/articles/CBMigwFBVV95cUxNMnhvQ3Z2UTJVaEVqSk1aTFZVYTI5TjJyc2ZJN085SzZiOHREWUFpUVB6NDBhZ3VKdWRPOWRsQ0pTU1VpSkdndnV0YmpKeEltRVZKa0NEUXpmWkVxSEltUGM0V084djNEVzFyV1VHd25sWjVjUEVjS2RmRzhBb0tPQUROYw?oc=5) · Newsweek Rankings
- 1982-08-06 [Iowa bank closed, officials calm fears - upi.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxQZkFuMjNfaWtzWFRVZG1qOEhpc2N2b3U1a2V4ZjBLOVV5OFpxdVFqemVkNWFIVFYxRWM0V20zakM3NE00SzJicDZ6bFM0U0RoYTJKS2NMaFc1V1h2eTJoc1cwTUsxejFNQ0pmZ1JwdklzbHQzdUFELVJ0cmFCMHFvRGk0Ti1qVEhJWXZ6Y3JaMjRtbWFLYW1N0gGcAUFVX3lxTE85cF9Fbm1jYXdwVXgyV1lDQW5tZUpEQTk4ZWxTalk4eExqTUNjN2tMNlFoNUhKd01DMml4V0RWY1FwbGNlZzluLVdKUzJxVmtfZG04ZE8wOF9PcDFFcGJSXzd2bVVXcHVKUU54a004X3FjYUF3UmRueXJ0ODNNaVZ3cmVnX2tpRVFiUndnRHpGTEUyOGJoNmY5QzRQeg?oc=5) · upi.com
- 2024-07-21 [From insurers to builders to a co-op, these Iowa businesses have stood the test of time - The Des Moines Register](https://news.google.com/rss/articles/CBMi1gFBVV95cUxQVjJZb0VpNHlOekJXWWk2RWsyNVJOVG4zS1ZBYWN2eTFwb3VETDJKal9qYlFXLTFIeVdqaVlhSEU5Rl84WjdWMkNmbEhrNV96M19Ld0szRncyY191enh4QnM1RnB3TEQ1bzlqeWR0VndqaFdBVUZ3czdxQ0RSaXVIbXV4bFhHalNsV0xXV3I2dFFKQUFNRU1obXNNQzZhYWZ4cXZreW5DYkx3MFAyYWNqRElCeFhfc3otb3dTX0t3Wm9kWEdsY0I2N2c1VVI1RXVwd3RMMW9B?oc=5) · The Des Moines Register

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57484 (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/12.json (key "57484", 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