# AUDUBON STATE BANK AUDUBON, IA · FDIC certificate 5814 · asset band <$300M · latest filing 2026-06 · live **Verdict on the desk:** this could be *fortress*. 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 | $155.3M | | | Deposits | $131.0M | | | Loans and leases | $123.2M | | | Total equity | $19.2M | | | Loans / deposits | 92.99% (p84 of band) | 73.59% | | Liquid assets / assets | 15.75% (p13 of band) | | | Uninsured deposits / deposits | 26.67% (p74 of band) | 19.81% | | Brokered deposits | 0.91% | | | Wholesale funding | 3.82% (p68 of band) | | | FHLB advances / assets | 2.90% | | | Tier 1 leverage | 10.46% (p31 of band) | 11.76% | | Unrealized securities loss / equity | -0.52% (p82 of band) | -6.57% | | AOCI / equity | -0.75% (p34 of band) | | | ROA (annualized) | 2.38% (p92 of band) | 1.17% | | Net interest margin | 4.41% (p73 of band) | 3.93% | | Efficiency ratio | 41.04% (p4 of band) | | | Noncurrent loans | 0.20% (p41 of band) | 0.36% | | Net charge-offs (annualized) | 0.00% (p38 of band) | | | Reserve coverage of noncurrent | 549.80% | | | Real estate % of loans | 64% | | | Construction % of loans | 58.80% (p84 of band) | | | Auto loans | $1.7M (1.40% of loans; DQ 0.93%, NCO 0.00%) | | | Loans to nondepository financials | $0 (0% of equity) (p48 of band) | | | Deposits YoY | 0.1% | | | Employees | 15 | | ## 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 | 1 | reserve under noncurrent | | | 2011-12 | 0 | | reserve under noncurrent | | 2012-03 | 1 | capital falling | | | 2012-06 | 0 | | capital falling | | 2012-09 | 0 | | | | 2012-12 | 0 | | | | 2013-03 | 1 | capital falling | | | 2013-06 | 0 | | capital falling | | 2013-09 | 0 | | | | 2013-12 | 0 | | | | 2014-03 | 1 | capital falling | | | 2014-06 | 0 | | capital falling | | 2014-09 | 0 | | | | 2014-12 | 0 | | | | 2015-03 | 0 | | | | 2015-06 | 0 | | | | 2015-09 | 0 | | | | 2015-12 | 0 | | | | 2016-03 | 0 | | | | 2016-06 | 0 | | | | 2016-09 | 0 | | | | 2016-12 | 0 | | | | 2017-03 | 1 | assets shrinking | | | 2017-06 | 1 | NIM <2.5% | assets shrinking | | 2017-09 | 0 | | NIM <2.5% | | 2017-12 | 0 | | | | 2018-03 | 1 | capital falling | | | 2018-06 | 0 | | capital falling | | 2018-09 | 0 | | | | 2018-12 | 0 | | | | 2019-03 | 1 | capital falling | | | 2019-06 | 0 | | capital falling | | 2019-09 | 0 | | | | 2019-12 | 1 | capital falling | | | 2020-03 | 0 | | capital falling | | 2020-06 | 0 | | | | 2020-09 | 0 | | | | 2020-12 | 1 | capital falling | | | 2021-03 | 0 | | capital falling | | 2021-06 | 0 | | | | 2021-09 | 0 | | | | 2021-12 | 0 | | | | 2022-03 | 0 | | | | 2022-06 | 0 | | | | 2022-09 | 0 | | | | 2022-12 | 0 | | | | 2023-03 | 0 | | | | 2023-06 | 0 | | | | 2023-09 | 0 | | | | 2023-12 | 2 | deposits shrinking, uninsured deposits leaving | | | 2024-03 | 2 | | | | 2024-06 | 2 | | | | 2024-09 | 0 | | deposits shrinking, uninsured deposits leaving | | 2024-12 | 0 | | | | 2025-03 | 1 | capital falling | | | 2025-06 | 0 | | capital falling | | 2025-09 | 0 | | | | 2025-12 | 0 | | | | 2026-03 | 0 | | | | 2026-06 | 0 | | | ## In the news (Google News, unfiltered, newest first; check the city) - 2024-05-29 [Elizabeth "Liz" Kristina Schmidt Obituary Nov 22, 2023 - Schmidt Family Funeral Homes](https://news.google.com/rss/articles/CBMifkFVX3lxTE1sZDZOeXRaa0tHRXdVaWNPUzREM0hkajRUMzRLanJTY2RmUlJYcVdBSjktZEVwRjZETzg1OFpiZGdBRjduUUloNlpxUWV1QWF4WUEza0NMSmUybnk4WGpza0lxVS13SV9fUkMwT0tTbnJlelNBaFQyamprRVA3Zw?oc=5) · Schmidt Family Funeral Homes - 2020-02-05 [James Ingeman Obituary Feb 5, 2020 - Stenshoel-Houske Funeral & Cremation Service](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE5tYy0wV3ZvOUl4aTMtRHpVQ0k1TzVKRzNySy1kSjVSdHFtbFMyYl9oWnZkTUZxTDRuVG9ZWWdEZmZSLUszeVJrUncxTFBKQlNmYWNPSjdaa0Jkc2tuSy0tUzgtcXdoR0E?oc=5) · Stenshoel-Houske Funeral & Cremation Service - 2023-02-07 [Audubon Citizen of the Year recipient left “Shocked and Speechless” by honor - westerniowatoday.com](https://news.google.com/rss/articles/CBMitgFBVV95cUxPUzJGNWIwWnFrTldNT0JoMXB4d3lYaW9BeVpYTzNlNFczQkxaTTBPcTkxbndnVUtuRko0UGFpNmNXUEgxLVVaVzcyZGNKNU1LWVZvMmJWdHljQTAyYTNjamp1WUE1Q1otSmhxWlliVzluQjNLUzF0a0xfOFNtemg5T3djNHJ4aFJTYmFxSjVHRW9kMTNuX0I4Z2RfMlkyQWFGclVSdWQ2RHA1Q1hxQjFHRU9XU01HUQ?oc=5) · westerniowatoday.com - 2020-02-18 [James Ingeman, 69 - kittsonarea.com](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE11Z2ctbXdpQzd1ZDFkWTI1aDF0YlF2X2ljVUhTZmNaVUhDSnktMjVhUWhBOXVIbmxLY2wxZlVGbHJBcTVWckVNMlpVdW5hYnpHV2RVdEx4b1RjSVVyNzV4cHRJdVJXUmM?oc=5) · kittsonarea.com - 2023-11-04 [Jennifer Garst Obituary - The Des Moines Register](https://news.google.com/rss/articles/CBMiZEFVX3lxTFA3TjJTUkUyNkJDNXQzQml2Z2o4R1ZtT3BnOWtjZ1VEel9zbG92OGlHWTVsY3RSZGNIcS1KM21WWWp3cmtEaVVfR3I4bUNBb2d5TkozbnlnYWpYT2taN0VfWE11ZzQ?oc=5) · The Des Moines Register - 2022-04-27 [June Nielsen Obituary (1930 - 2022) - Audubon, IA - Audubon County Advocate Journal - Legacy obituary](https://news.google.com/rss/articles/CBMimAFBVV95cUxNdmI3Tm9oeUdOTzhVUWlUSGFUNDBCOUlPV3ZsWTFFLWxnYzV0QThscE95cm15V1RRRDlHX3RBWGtjMHBlQXdoVWhvM25qanV5VDZRQmQ1N2oyMWhOZDN1MmRYZGloU05DZE9JWTVyUEZnZl92QzFrUFBBTjBGcEo0M2FXMXNzcXdvZ3ZFd0xPSU5xX0JQQVlXUw?oc=5) · Legacy obituary - 2024-06-01 [John Calvin Parrott, Jr. Obituary Jun 12, 2016 - Schmidt Family Funeral Homes](https://news.google.com/rss/articles/CBMic0FVX3lxTE1XdXVZVVNhRTVtM2xJeHVrXzdua2QzU0lyQmJiZTBXS0NGSnprVjBvaklWVmFCNGIxMFBCV3oyWVRoaTAzc1o4X0hKYzMtUjQyS3RZZDVRSGhpQ0FyTWtVaDh1LXpjaFBOWXZiRUkzSEM3eDQ?oc=5) · Schmidt Family Funeral Homes - 2022-04-27 [June Rose Nielsen Obituary Apr 27, 2022 - Schmidt Family Funeral Homes](https://news.google.com/rss/articles/CBMibEFVX3lxTE4tXzctdHZpMXlYcXNZbVQ4X242dXJmWnhkMVV0c3lmV3AyXzNYbTdyYWFuX2RaV3UzVFFyQXJlN25aV3BlWmhiTTk2RGFWWUFTRG8zYXphV3VEbElhSUZDMngtdGo1Q1h5ck01Rw?oc=5) · Schmidt Family Funeral Homes ## How to verify - Page: https://getbookiq.com/bank-desk/#bank=5814 (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/54.json (key "5814", 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