# FULTON STATE BANK
FULTON, SD · FDIC certificate 6065 · asset band <$300M · latest filing 2015-06 · stopped filing (departed)

**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 | $65.3M | |
| Deposits | $55.2M | |
| Loans and leases | $21.6M | |
| Total equity | $7.0M | |
| Loans / deposits | 38.32% (p9 of band) | 72.67% |
| Liquid assets / assets | 62.63% (p90 of band) | |
| Uninsured deposits / deposits | 10.49% (p36 of band) | 13.36% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 4.59% (p64 of band) | |
| FHLB advances / assets | 4.59% | |
| Tier 1 leverage | 10.76% (p54 of band) | 10.53% |
| Unrealized securities loss / equity | -0.33% (p27 of band) | 0.18% |
| AOCI / equity | -1.06% (p22 of band) | |
| ROA (annualized) | 0.72% (p42 of band) | 0.82% |
| Net interest margin | 3.03% (p20 of band) | 3.60% |
| Efficiency ratio | 65.38% (p31 of band) | |
| Noncurrent loans | 0.00% (p7 of band) | 0.74% |
| Net charge-offs (annualized) | -0.01% (p22 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 14% | |
| Construction % of loans | 0.00% (p7 of band) | |
| Auto loans | $712,000 (3.29% of loans; DQ 1.83%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 6.3% | |
| Employees | 12 | |

## 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 | 1 | capital falling |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | capital falling |  |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 0 |  |  |

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

- 2026-03-21 [Samantha Sue Bender Obituary Jul 10, 2006 - Will Funeral Chapel](https://news.google.com/rss/articles/CBMibEFVX3lxTE55NmVPRkZTSXd0ZkV5M0dSaTNqT1BOdWpzVXU0aE0zSzFubFB1eHhLV3FPXzl2WlNXUnFBOHBwd3F0YUoySGoxN1Z2azkzRklHWkVNWWd5aDBLbG5oWWgtaHZTZElUNzJweXY5Mg?oc=5) · Will Funeral Chapel
- 2020-11-23 [Donald “Don” Blumenberg - mitchellrepublic.com](https://news.google.com/rss/articles/CBMic0FVX3lxTE4tYUowY2c1MFBJbHFoMVNJNlB4blFXODJCVnN6ZENINy1nbWdWUlVJSWtDWUVOa3RWcUVBTENNZHNJbE1OX2t6MlZtU3RaMXpzS0h4akNVQWJ3bm5SdTYySlA0dUVodzdKOHUyaVJmbktzTU0?oc=5) · mitchellrepublic.com
- 2024-04-08 [SCOUTING YESTERDAY | Plans hatched for South Dakota's first statewide highway - thedakotascout.com](https://news.google.com/rss/articles/CBMic0FVX3lxTE13RExLY1JOT2ltSkFxbUt3VUdZR01iMW03YTdpQ0NoLWwtSngyd3dmZUNqT3hlbWdSOVFrLU1EYXRnb2FrU3ZCWDZQdXRZNktJRzBucGZhWmpMdnZOcnM3NGFJcUZZdFo2YUdiR3VLeUlsVTQ?oc=5) · thedakotascout.com
- 2021-03-08 [Lois W. Soladay Obituary Mar 8, 2021 - Will Funeral Chapel](https://news.google.com/rss/articles/CBMiaEFVX3lxTFBVV1V6WC1OWEtHOFZ0S3czWjVMaXdKOG41SXhPZXNfRDZFeGpnQVpmM1NOUE1tNE9MaWZjWERTVVZiTFVmWEFISXVQaERWVGNMRFNUSXo1cUo0VGZDYnhrS0JpaURaaXN5?oc=5) · Will Funeral Chapel
- 2025-02-25 [Shirley Pueppke - mitchellrepublic.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxOZFRnWnlNQ2NhVGVMV0JMOUdQMzN4dFlCUl9hTWh4bDZYdVlOQ2h0T01ud05RRW9JWDRYQzZub0tPUHA4UlpfcmxrRDhyZ1cweGlnUWR2eU5WQjkzdy00VnN2cEdaU1FEYm1ELTZYaGV4eVR5dHBkNXZVcVFmMFdVczVRWlFqXzdLR01oRVBacw?oc=5) · mitchellrepublic.com
- 2009-12-30 [Tigers warm up from 3-point range, overcome Tuesday's shooting woes in win - mitchellrepublic.com](https://news.google.com/rss/articles/CBMisgFBVV95cUxNZlhKMk9FV3BGb25BQmtOT3pmaHBmeFdmRUNZdm9BV0d0Z1lZeldpbUpuS2ZQcjlGaVJDRzh1UC1CR2h5cEJrN1BCNFFsLS1TaDc0U3ozcUhaYllNY0FoaW4xbW1OM29LWkRuNzViZzNPSW1VZ2pVOXFWMy10S2JQWmNSNmNFSVBEVktNa2tpVGE1UnJ2bUdzMmtNZWRkSkRFa3lsRGIwNlpLUmJlXzU4RUJn?oc=5) · mitchellrepublic.com
- 2015-01-06 [DWU's Bergh thriving under pressure - mitchellrepublic.com](https://news.google.com/rss/articles/CBMif0FVX3lxTFBPYmtRUUpFZWFHeExmUWpDSk5Jek1GVkNNXzJDbXYyWHJxWjFLUHBQaXJiWFVISy1sRmxhVUZFYkViM09PNEhpTVlDb0pTOW5rektuR09uOXhpSzlhSFJFVDJwT2dEa2dVOWV4ZjZkNEFGQzEtZURLTl81Q3lkM00?oc=5) · mitchellrepublic.com
- 2013-11-16 [United Way reaches goal for 33rd year - mitchellrepublic.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxPZU50QU9DT1c1TlJKMy0tSV9MdXJJVURmcFJKMDBiWlZ5R213ZjJxTDYtcE1NRXdVaGZBT0o5N1BJaVk3WkhPb0EwZjRDZ3E2aDA2YkIxUTRvdnNMV0ZubkxYSW1hVkFKZnpyRFhoVlg2LVdWVWRybHBsVnJNSzhhQw?oc=5) · mitchellrepublic.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=6065 (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/49.json (key "6065", 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