# EARLHAM SAVINGS BANK
WEST DES MOINES, IA · FDIC certificate 5796 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $382.5M | |
| Deposits | $343.9M | |
| Loans and leases | $226.7M | |
| Total equity | $36.9M | |
| Loans / deposits | 64.14% (p18 of band) | 82.04% |
| Liquid assets / assets | 39.65% (p82 of band) | |
| Uninsured deposits / deposits | 17.57% (p21 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.53% (p24 of band) | 10.81% |
| Unrealized securities loss / equity | -0.45% (p91 of band) | -8.10% |
| AOCI / equity | -0.34% (p51 of band) | |
| ROA (annualized) | 1.06% (p36 of band) | 1.28% |
| Net interest margin | 3.77% (p42 of band) | 3.91% |
| Efficiency ratio | 62.11% (p53 of band) | |
| Noncurrent loans | 0.91% (p70 of band) | 0.43% |
| Net charge-offs (annualized) | -0.04% (p3 of band) | |
| Reserve coverage of noncurrent | 295.87% | |
| Real estate % of loans | 81% | |
| Construction % of loans | 22.43% (p28 of band) | |
| Auto loans | $3.1M (1.37% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 1.9% | |
| Employees | 60 | |

## Flags firing in the latest filing

- none

## 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 | 3 | charge-offs p90, deposits shrinking, assets shrinking |  |
| 2014-06 | 3 | uninsured deposits leaving | charge-offs p90 |
| 2014-09 | 1 |  | assets shrinking, uninsured deposits leaving |
| 2014-12 | 3 | assets shrinking, uninsured deposits leaving |  |
| 2015-03 | 1 | charge-offs p90 | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2015-06 | 0 |  | charge-offs p90 |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | capital falling |  |
| 2016-03 | 0 |  | capital falling |
| 2016-06 | 1 | charge-offs p90 |  |
| 2016-09 | 0 |  | charge-offs p90 |
| 2016-12 | 1 | charge-offs p90 |  |
| 2017-03 | 0 |  | charge-offs p90 |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | expense ratio p90 |  |
| 2019-03 | 2 | capital falling |  |
| 2019-06 | 2 | charge-offs p90 | capital falling |
| 2019-09 | 2 |  |  |
| 2019-12 | 0 |  | expense ratio p90, charge-offs p90 |
| 2020-03 | 2 | capital falling, expense ratio p90 |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 1 |  | capital falling |
| 2021-12 | 1 |  |  |
| 2022-03 | 3 | capital falling, NIM <2.5% |  |
| 2022-06 | 4 | securities losses >30% of equity |  |
| 2022-09 | 3 |  | capital falling |
| 2022-12 | 3 |  |  |
| 2023-03 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving | expense ratio p90, NIM <2.5%, securities losses >30% of equity |
| 2023-06 | 3 |  |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 1 |  | assets shrinking, uninsured deposits leaving |
| 2024-03 | 0 |  | deposits shrinking |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2025-09-08 [Robert "Jim" Kress Obituary - The Des Moines Register](https://news.google.com/rss/articles/CBMiZ0FVX3lxTFBOT284NTVLT014Q0EwWEdvazRfeFhEWnVPUGljSUVrSTBublJtOGFGWTJfcnZLRWhBcmVKT3EyM1pubHBGV0U5bU5vSWFSOTZ0UGFGRHVjdUxDZW9EbU0xNGFrbXRPWXM?oc=5) · The Des Moines Register
- 2018-01-26 [Gail Leeper Obituary January 26, 2018 - Caldwell Parrish Funeral Home & Crematory](https://news.google.com/rss/articles/CBMiZEFVX3lxTE11NEh4VWtZMk5La2RCV3FUU0hNNUd0ZVBvRkUwNktiNnM5cVFCZzFaZlp6ODhxQW5ycUxFYkZkQ0pTZGcta3UyTnB6QXkxejM5ZElOVlRVcnh1R241VmVsVm9wZTE?oc=5) · Caldwell Parrish Funeral Home &amp; Crematory
- 2020-01-24 [Izola Storm Obituary - West Des Moines, IA - Dignity Memorial](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPOVU1N0VHNVZER3RTeWpmUWwtMW9GbjhkU2J6am05TEw4aTFJUG1QVWFjajRvbEpxeWY3U2llOEdqVE83MXhtQ0N4UjVxcjlCME04aUFNdVNHQTZtcmZLM0NWUVVCTXM2S284ZFB5aHhFOE94MDZiSkpCOVJ3NnZDRndENlRjSVZE?oc=5) · Dignity Memorial
- 2025-08-30 [James Adkins Obituary (2025) - Urbandale, IA - The Gazette - legacy.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxNV3lQa19VSEdHb21jTWJ0MnRXREJ6dXNjVFJENDFoZXlxZUZ3NFB6bDhFTVUwOV93N0tiMEJobnZCRkV5UFgwajNoQXlVRlJmWGFhMHBSSmdWc2U0djZHdThFaXgwdWdFS24zcXNqdmpnQlo3QkQxNGVobUIza0VaeEhwQWxzYkxxYjAwRE9Kaw?oc=5) · legacy.com
- 2020-09-05 [Photos: Earlham celebrates sesquicentennial with parade - The Des Moines Register](https://news.google.com/rss/articles/CBMivAFBVV95cUxOZ3A1TEZNcWVZZGVTZG1BYlpNWUQ1WFBQcDhneWxMblZWbTJZTjFpaUZ0dnNPRjZRb3d5RHFtNEdjTThYeHlPU3Zvc2VEQXQ5aDlBNFM2V1pYRncwSU00RWdIanl4UjBJbTExOUtHR05jYzVqUGcyUmxvc1puODZTR2hDcEdlRjQ1aDZHcGk3LTdVd1ZycWdXdjhFS0RUT2pFcVMzaGpfcURwWE1Qa2hocS12N2x4T203bEJQMg?oc=5) · The Des Moines Register
- 2012-07-10 [Dallas County Fair Begins Wednesday in Adel - Patch](https://news.google.com/rss/articles/CBMifEFVX3lxTE5OcVBoQmNLLTFhTDJZLVByd2UzRjN3MzkzSEdMaUs5SXZJVGVXSnppZ2s5UEUySmU2YlltZDlJYTgzRlBlZ01BM2V3Y3JkT18zdEluVGdjdW9DeTVRdUxNd3AyV01jQTFyeUVTUzlDcEx1aHU2YWhfalJLbGI?oc=5) · Patch
- 2010-07-01 [GREGORY BANKS Obituary (2010) - Van Meter, IA - the Des Moines Register - legacy.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxQWXVYTFIySTljVkE5bkMwRXVPUDdFYkNOcVlQdDJEanV6ODdtbGxYQWtJSmZTM2ZLcHhNSjRveGNuVUdGdGRpQnJNRnpuU2FKS0dLMVl1WnAzSUM0WGVlbVFiQUdEMF9PdldoNXJTRVBqbTVlZVNtU0pPaWNPWDNyOGNvQlRBUlhyVEp0aEpOSFA0bE1sRGl6SUtR?oc=5) · legacy.com
- 2021-06-08 [Jammie William Carroll Obituary - The Des Moines Register](https://news.google.com/rss/articles/CBMiZEFVX3lxTE8xUkswNlpvY3otVFdGa2hybUdMUVRpdTZIdUN3WVJLemE3SEJ0RHUtNzFIb29tUS1YTWNUZnBhN1NJeWtHRE9reVFTdVlsMDFCR3R5LUNxYnY5N0lxRmpIQ1REUVI?oc=5) · The Des Moines Register

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=5796 (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/36.json (key "5796", 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