# STATE CENTRAL BANK
BONAPARTE, IA · FDIC certificate 5820 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $63.2M | |
| Deposits | $50.6M | |
| Loans and leases | $37.0M | |
| Total equity | $10.7M | |
| Loans / deposits | 71.72% (p47 of band) | 73.59% |
| Liquid assets / assets | 35.91% (p57 of band) | |
| Uninsured deposits / deposits | 20.41% (p52 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 3.00% (p64 of band) | |
| FHLB advances / assets | 3.00% | |
| Tier 1 leverage | 16.11% (p82 of band) | 11.76% |
| Unrealized securities loss / equity | 0.43% (p100 of band) | -6.57% |
| AOCI / equity | -1.87% (p13 of band) | |
| ROA (annualized) | 1.57% (p71 of band) | 1.17% |
| Net interest margin | 5.02% (p90 of band) | 3.93% |
| Efficiency ratio | 71.84% (p64 of band) | |
| Noncurrent loans | 1.11% (p73 of band) | 0.36% |
| Net charge-offs (annualized) | 0.01% (p65 of band) | |
| Reserve coverage of noncurrent | 175.12% | |
| Real estate % of loans | 60% | |
| Construction % of loans | 18.76% (p51 of band) | |
| Auto loans | $2.2M (5.97% of loans; DQ 3.98%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 6.3% | |
| Employees | 26 | |

## Flags firing in the latest filing

- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 9 | leverage <7%, leverage <5%, losing money, expense ratio p90, noncurrent p90, charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 7 |  | expense ratio p90, construction >100% equity |
| 2011-09 | 7 |  |  |
| 2011-12 | 8 | brokered >10% |  |
| 2012-03 | 11 | expense ratio p90, construction >100% equity, deposits shrinking, assets shrinking | brokered >10% |
| 2012-06 | 11 |  |  |
| 2012-09 | 11 |  |  |
| 2012-12 | 11 |  |  |
| 2013-03 | 11 |  |  |
| 2013-06 | 12 | capital falling |  |
| 2013-09 | 12 |  |  |
| 2013-12 | 7 | uninsured deposits leaving | leverage <5%, losing money, expense ratio p90, construction >100% equity, capital falling |
| 2014-03 | 8 | losing money, expense ratio p90 | leverage <7% |
| 2014-06 | 8 |  |  |
| 2014-09 | 9 | capital falling |  |
| 2014-12 | 9 |  |  |
| 2015-03 | 8 |  | charge-offs p90 |
| 2015-06 | 7 |  | capital falling |
| 2015-09 | 7 |  |  |
| 2015-12 | 8 | capital falling |  |
| 2016-03 | 6 |  | uninsured deposits leaving, capital falling |
| 2016-06 | 6 | uninsured deposits leaving | losing money |
| 2016-09 | 5 |  | uninsured deposits leaving |
| 2016-12 | 5 |  |  |
| 2017-03 | 5 |  |  |
| 2017-06 | 6 | capital falling, losing money, charge-offs p90 | deposits shrinking, assets shrinking |
| 2017-09 | 4 |  | capital falling, losing money |
| 2017-12 | 3 |  | charge-offs p90 |
| 2018-03 | 6 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2018-06 | 4 |  | assets shrinking, uninsured deposits leaving |
| 2018-09 | 2 |  | expense ratio p90, deposits shrinking |
| 2018-12 | 4 | deposits shrinking, assets shrinking |  |
| 2019-03 | 2 |  | deposits shrinking, assets shrinking |
| 2019-06 | 3 | deposits shrinking |  |
| 2019-09 | 3 | losing money | deposits shrinking |
| 2019-12 | 5 | capital falling, charge-offs p90 |  |
| 2020-03 | 2 |  | losing money, capital falling, charge-offs p90 |
| 2020-06 | 2 |  |  |
| 2020-09 | 3 | capital falling |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 3 |  |  |
| 2021-06 | 3 |  |  |
| 2021-09 | 2 |  | capital falling |
| 2021-12 | 4 | expense ratio p90, NIM <2.5% |  |
| 2022-03 | 4 | capital falling | expense ratio p90 |
| 2022-06 | 3 | AOCI drag >20% of equity | NIM <2.5%, capital falling |
| 2022-09 | 4 | securities losses >30% of equity |  |
| 2022-12 | 3 |  | securities losses >30% of equity |
| 2023-03 | 2 |  | AOCI drag >20% of equity |
| 2023-06 | 2 |  |  |
| 2023-09 | 6 | securities losses >30% of equity, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2023-12 | 2 |  | securities losses >30% of equity, deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2024-03 | 1 |  | reserve under noncurrent |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 0 |  | noncurrent p90 |
| 2025-03 | 1 | charge-offs p90 |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 | uninsured deposits leaving | charge-offs p90 |
| 2026-03 | 2 | deposits shrinking |  |
| 2026-06 | 1 |  | deposits shrinking |

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

- 2025-03-19 [State Central Bank has new president | Daily Gate City - Keokuk, Iowa - Daily Gate City](https://news.google.com/rss/articles/CBMi2AFBVV95cUxPd3RTQzluV0pfSGpvZkFJeWF3a3ZtbUltMWFEczU0QzhTdVl6bUpKdXFTM2toTHpDcldNN05MSVBIN3UzZE51WlBpME4xMTNxWVpHMjFHVHZyVnVkQnZqU0FDdnczSkx5Q0d0a21NeWhVS2tZYjFrYmhPVF9KSFhDSmZoSjVxNm1CVEpDT2JWV3RaeGFwLUMyRXNLT0VXUGpEMTNud0V0cFhpaVFDSEhGa0N3Y1ZMVlFKNzJNZ1RWSTlFQXluTUgwaW1wQzNIZ244WkViMGFleW0?oc=5) · Daily Gate City
- 2026-04-02 [Time Machine: Iowa’s ‘biggest’ banker was Bill Logan | Cedar Rapids & Eastern Iowa History - thegazette.com](https://news.google.com/rss/articles/CBMiwgFBVV95cUxOMjlwbC1MSWdPMXdEQ0ZqZXd4dnlpSG5fMDdIWXFKRzVZS0E1M2RmWFhuOHZwUllfb0sxRkxFa0NZbmtGb3JZUTRBb01IZ0ZCQU1YcXBVZXdYNlBJbDUzMDJSQkRJaEhGbUlFd0JMSUJlWUFQQXo0VUY5bEZmYVk4MUZBMzlxMVk2b2wyWFlZQ1BJZ2puOC15Q28tYzN3MF9nem9sa2FGZUVkTDFrMGtVemxZdV95dGIxaDRlN3BxZUJydw?oc=5) · thegazette.com
- 2026-07-30 [Thomas Joseph Palermini Obituary May 3, 2023 - Printy Funeral Home](https://news.google.com/rss/articles/CBMibkFVX3lxTFBmOFJIMlJsLXEwVjA1M3ozVmNBLVZmeVJYMTZkTWt6R2U5a2N0bHZDX21JZm9US3FHNTkydUZjZ3MzLVRQTmRBWEY5YkdCNEc0S2hiM0VxcjRFOVF0YW5iMjhUS2JlRC01dk5DRGNn?oc=5) · Printy Funeral Home
- 2024-01-28 [Sherry Lynne (Ellis) Reid Obituary Nov 26, 2022 - Behner Funeral Home & Crematory](https://news.google.com/rss/articles/CBMiW0FVX3lxTFBOcWxrcnRCYlJKX0hHU2FLczY2b085Q09RcmxBbTI4S2t5QzVDelIwb1diQ21IOUtxUWFnRXl4b0pvNERIZjk0OTdJTVJkM1pXX1gzc2FaT3RFZU0?oc=5) · Behner Funeral Home &amp; Crematory
- 2022-11-23 [Bethany Mertens Obituary (1981 - 2022) - Keosauqua, IA - Mississippi Valley Publishing - legacy.com](https://news.google.com/rss/articles/CBMiqgFBVV95cUxOVWpNcVZRekxYZ2s0dkh6N0ZCaXp5MndRT0tPc2txbXpFeWgzckRvbHZpa1F2Ykc0QU9xM3NOWXk0NVI5dHhMd3hoYmdEajRFS2VYMlhxU1hCMjNjSS1YVDBwZnQ5dXUzeEFwWXoyZm1BSFhibjBpOUwwd1NJZWZYUDgxTzJUdmpWbEdNaHdwNHB5ZVNJOUgxV3kwcEdaRkpBYkJtZmpHZzNiZw?oc=5) · legacy.com
- 2026-08-31 [LEIBAN, PROPHETY OF THE OCCIDENT ? - libnanews.com](https://news.google.com/rss/articles/CBMiZEFVX3lxTFBpSUJvOFgySjdMZnVlVElwWnZKN3pyeEZ3M2c5VDlOakt6TGNWZTNNTnlobHBQeG10WDFYeEt1TFV6RTZnNUxrTWJSS3E0U0hISUw5dkVqOXNzUkNSaFZWdnNPYU0?oc=5) · libnanews.com
- 2013-07-21 [Phyllis Louise Lovell Obituary Jul 21, 2013 - Printy Funeral Home](https://news.google.com/rss/articles/CBMia0FVX3lxTE5ybGZHdGYyaUh3WHp5Sng1WUZqa3dTUklkUzZsT2lXMnFCZlcyQ1prNXVNekJVR18wYk1tNG94Z0t4TDYxOVJncTZDTDA2ZWRmUFVnckRjU3cwS1hSa1ZOcVJiMFFGY1BmN0ZR?oc=5) · Printy Funeral Home
- 2025-09-10 [Charla Warner Obituary (2025) - Keosauqua, IA - Pedrick Funeral (Cranston Family Funeral) Home - Keosauqua - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxNbkdJSDdoM0djZ0lmY0ZsdEc0UXZzY0R2VDJyekRMU0tzLWR4UGhhODlEYi1qT2RrTThuZ3NCMEQ0cFIzX2FfUnp5M09TRzVEYVNneHhmNUVzSmpocl9jSFFnUE9ZSE9NUlZNQU1iMG5lNTN3S3FrSHR3XzZtS3VpYjNR?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=5820 (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/60.json (key "5820", 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