# HARDIN COUNTY SAVINGS BANK
ELDORA, IA · FDIC certificate 5817 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 5 (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 | $402.3M | |
| Deposits | $324.4M | |
| Loans and leases | $249.7M | |
| Total equity | $24.5M | |
| Loans / deposits | 76.40% (p38 of band) | 82.04% |
| Liquid assets / assets | 33.25% (p72 of band) | |
| Uninsured deposits / deposits | 19.08% (p25 of band) | 25.97% |
| Brokered deposits | 21.81% | |
| Wholesale funding | 34.69% (p99 of band) | |
| FHLB advances / assets | 12.21% | |
| Tier 1 leverage | 9.79% (p29 of band) | 10.81% |
| Unrealized securities loss / equity | -75.97% (p2 of band) | -8.10% |
| AOCI / equity | 6.88% (p100 of band) | |
| ROA (annualized) | 1.17% (p44 of band) | 1.28% |
| Net interest margin | 2.89% (p8 of band) | 3.91% |
| Efficiency ratio | 54.25% (p28 of band) | |
| Noncurrent loans | 1.25% (p78 of band) | 0.43% |
| Net charge-offs (annualized) | 0.05% (p77 of band) | |
| Reserve coverage of noncurrent | 59.60% | |
| Real estate % of loans | 76% | |
| Construction % of loans | 146.76% (p96 of band) | |
| Auto loans | $1.5M (0.59% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 0.9% | |
| Employees | 34 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **securities losses >30% of equity** (`cap_secloss`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | reserve under noncurrent |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | capital falling |  |
| 2013-06 | 3 | AOCI drag >20% of equity |  |
| 2013-09 | 4 | securities losses >30% of equity |  |
| 2013-12 | 1 |  | reserve under noncurrent, capital falling, securities losses >30% of equity |
| 2014-03 | 0 |  | AOCI drag >20% of equity |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | wholesale funding >15% |  |
| 2015-03 | 1 | capital falling | wholesale funding >15% |
| 2015-06 | 1 | wholesale funding >15% | capital falling |
| 2015-09 | 0 |  | wholesale funding >15% |
| 2015-12 | 1 | wholesale funding >15% |  |
| 2016-03 | 2 | capital falling |  |
| 2016-06 | 1 |  | capital falling |
| 2016-09 | 0 |  | wholesale funding >15% |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | wholesale funding >15% |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | wholesale funding >15% |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 2 | brokered >10%, wholesale funding >15% |  |
| 2019-03 | 0 |  | brokered >10%, wholesale funding >15% |
| 2019-06 | 1 | wholesale funding >15% |  |
| 2019-09 | 2 | brokered >10% |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 3 | capital falling |  |
| 2020-06 | 2 |  | brokered >10% |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 3 | NIM <2.5% |  |
| 2021-06 | 2 |  | NIM <2.5% |
| 2021-09 | 1 |  | capital falling |
| 2021-12 | 1 |  |  |
| 2022-03 | 4 | brokered >10%, AOCI drag >20% of equity, charge-offs p90 |  |
| 2022-06 | 5 | securities losses >30% of equity |  |
| 2022-09 | 6 | capital falling |  |
| 2022-12 | 8 | noncurrent p90, reserve under noncurrent |  |
| 2023-03 | 6 |  | AOCI drag >20% of equity, capital falling |
| 2023-06 | 6 | uninsured deposits leaving | charge-offs p90 |
| 2023-09 | 6 |  |  |
| 2023-12 | 6 | deposits shrinking | uninsured deposits leaving |
| 2024-03 | 6 | charge-offs p90 | deposits shrinking |
| 2024-06 | 6 | capital falling | noncurrent p90 |
| 2024-09 | 5 |  | capital falling |
| 2024-12 | 5 |  |  |
| 2025-03 | 5 | construction >100% equity | charge-offs p90 |
| 2025-06 | 6 | AOCI drag >20% of equity |  |
| 2025-09 | 6 | capital falling | AOCI drag >20% of equity |
| 2025-12 | 5 |  | capital falling |
| 2026-03 | 5 |  |  |
| 2026-06 | 5 |  |  |

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

- 2024-05-29 [Brown celebrates 50 years in bank leadership - Times-Citizen Communications](https://news.google.com/rss/articles/CBMixwFBVV95cUxPeWtJSU9aTy1STmlObXViYWtNU3RsSTQ5cTkyNUs1T2ZDOXZOZ09wNFgwclNHREdXRlgweFdtRHpBMmQ5Uk5GdmFDdklfTFl4Q2pyMW1IWU9JLWxjTmFMZlBvdE44VFFDekE0Yzl0QzA5TW9EUVAwVHdXNDZ1MHdlazZEMHdjcW1fSlRtaG5LTjJQRUxFZXlqZGZSem5JNmVBYlJGa2J1OUkwN2gzWFVnOEhLa0V5bUpLcDRDTmVXU0UyNmJ0eE04?oc=5) · Times-Citizen Communications
- 2026-07-20 [Who is helping Derek Wulf pay his debts? - Bleeding Heartland](https://news.google.com/rss/articles/CBMijgFBVV95cUxQVFp0aDB2aDl0bmpnVHdmVEo1dTJTV2tHNDhXQ0VSTEJ3alFhcUtXazhzTU1tM3VleWtUbWFFaTU4TG5yeF9LVlh3eWZXc2xCNUlzTTlVeTFBLUZOMDNKSTBETXBQMTZ2aEF0MEY0VTNyaXZFX3BDaWw1ZjhOR0xHQi0wei1sbHJoUFVHZmVB?oc=5) · Bleeding Heartland
- 2025-06-24 [Jerry A. Rogers Obituary May 7, 2012 - Mitchell Family Funeral Home](https://news.google.com/rss/articles/CBMiX0FVX3lxTE45dlpwWDRxSlFQLWVaS0hVc0NJSDdyUE9tNlh2Uldxc2tJb2l2WVg0U2o2TnlvYzM4VVZsVzN6OTRjVk5BY08xRjBzQzBRLXQ1aXdZVWgyRkpmSUl4Yzln?oc=5) · Mitchell Family Funeral Home
- 2026-08-30 [Pence to retire from HCSB after 35 years of service - Times-Citizen Communications](https://news.google.com/rss/articles/CBMi0AFBVV95cUxPS2hhREkzWE5kQ0VrVnEzSEN2YmIyTVJfNWJtMDhBeV90YTZSTGFjZHdZWEkyMHVocmw2NGc1N0RUcjRIQ0lYT3V3TFpGWjBuQXRRR0dyaklIMVFvcTIzdG0wY2J6VUVMZXN1dFBYdmNobUswMUx1S292dl9PLUR4MHZVMHpZU1llanlHb2tod3hsM3pYZXB3Q1ZsUGJhazI2OW91cUdHb1UyRjI3NUxjZXA0cW15UVRMdGp3NlVMeEQzRURTaUFqcmR1VFR5ZDlr?oc=5) · Times-Citizen Communications
- 2026-07-24 [Merlin Reid Obituary (2026) - Eldora, IA - The Cremation Society of Iowa - Des Moines - legacy.com](https://news.google.com/rss/articles/CBMif0FVX3lxTE1ZcHFYTzY0OVU2UzFPYWVwYUJlcVNXbHZrTURMaFlzMTdpb1N2MDdCdUw0VG03Z3BTWjYzcGkxd3JLdnZkbnNtdzFjbXNnXzlqNFd4V1Nma3BITXFNY1dHUXNxUExiN1k4a3RsQW9Zdm8xN3RCX1N1QXpkazhqZHM?oc=5) · legacy.com
- 2023-11-06 [Stanley "Tom" Thomas Connell Obituary November 6, 2023 - Caldwell Parrish Funeral Home & Crematory](https://news.google.com/rss/articles/CBMieEFVX3lxTFA4OEVJSzYzX3dXLWZHek1GeDFkMDlxdnRteG0xbUxDcEx0RXpxWDN5ZEVBVTY1R3VJSkNBUDM4dlB5dlk0MndZU2l6M2ZQcjkteFlNb1RHNVZOYVgwMFk0RUZBVXlUSjlveU11U29UMkpoV2hJbnE5Rw?oc=5) · Caldwell Parrish Funeral Home &amp; Crematory
- 2026-07-09 [2026 Hardin County Fair Schedule - Times-Citizen Communications](https://news.google.com/rss/articles/CBMisAFBVV95cUxPcmZVZGVlZjBFRURoOWpMRi16TDlacnl5NVBpcW8xdFNkcGpFaGFiT3hIQnhrcjM3V1EwdnhhM1UzbkRsTnRNYU9RTUZvVloxbnR5cHVUWEFmMzdzRnQ0eXBoMkgwWVVQc0tRanJHaG5mS2tSZUM2STIxalcyRmVvNERycTVwZWVuUURQejhMSGczcjZVSGtmVktFaTJaVUd4NkdGUmhISE1oZVF2OW5JbA?oc=5) · Times-Citizen Communications
- 2024-05-28 [Terrance Joseph Portz Obituary (2024) - Wellsburg, IA - Abels Funeral and Cremation Service - Doyen Chapel - legacy.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxNeDhzLWZCTU1mWFJjdS1nSmRlcGwyeEdSZDFnVk9zMmJMZWQ0c2k2T2dkOVVNM2l0Q1ZlM0Q4dTA1SDUyNnhSM0pvbXl3ak1DWFhkNzIxNm5YeG5iR1ZLckRUZ0NpQmNka19WNFB3ZlRaNFM2X2paUk9LMGZ6Z3RaVHNXUQ?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=5817 (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/57.json (key "5817", 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