# PRIMEBANK
LE MARS, IA · FDIC certificate 8101 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (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 | $800.6M | |
| Deposits | $692.5M | |
| Loans and leases | $730.2M | |
| Total equity | $85.4M | |
| Loans / deposits | 104.40% (p94 of band) | 82.04% |
| Liquid assets / assets | 7.15% (p2 of band) | |
| Uninsured deposits / deposits | 27.63% (p57 of band) | 25.97% |
| Brokered deposits | 3.82% | |
| Wholesale funding | 6.19% (p64 of band) | |
| FHLB advances / assets | 2.37% | |
| Tier 1 leverage | 10.99% (p54 of band) | 10.81% |
| Unrealized securities loss / equity | -3.43% (p70 of band) | -8.10% |
| AOCI / equity | -0.19% (p60 of band) | |
| ROA (annualized) | 2.15% (p90 of band) | 1.28% |
| Net interest margin | 3.71% (p38 of band) | 3.91% |
| Efficiency ratio | 43.46% (p8 of band) | |
| Noncurrent loans | 1.86% (p87 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p46 of band) | |
| Reserve coverage of noncurrent | 53.04% | |
| Real estate % of loans | 68% | |
| Construction % of loans | 29.64% (p36 of band) | |
| Auto loans | $3.9M (0.53% of loans; DQ 0.67%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 4.6% | |
| Employees | 86 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **liquid assets <10%** (`liq_thin`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 2 | charge-offs p90 |  |
| 2013-03 | 3 | capital falling |  |
| 2013-06 | 2 |  | capital falling |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 3 | capital falling |  |
| 2014-06 | 2 |  | capital falling |
| 2014-09 | 1 |  | charge-offs p90 |
| 2014-12 | 0 |  | reserve under noncurrent |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | charge-offs p90 |  |
| 2016-06 | 0 |  | charge-offs p90 |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | loans exceed deposits |  |
| 2018-12 | 1 | reserve under noncurrent | loans exceed deposits |
| 2019-03 | 2 | capital falling |  |
| 2019-06 | 1 |  | capital falling |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | noncurrent p90 |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 3 | capital falling, charge-offs p90 | noncurrent p90 |
| 2020-12 | 2 |  | capital falling |
| 2021-03 | 1 |  | charge-offs p90 |
| 2021-06 | 0 |  | reserve under noncurrent |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 0 |  | capital falling |
| 2023-06 | 1 | loans exceed deposits |  |
| 2023-09 | 3 | liquid assets <10%, capital falling |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 3 | reserve under noncurrent | capital falling |
| 2024-06 | 3 |  |  |
| 2024-09 | 3 |  |  |
| 2024-12 | 2 |  | reserve under noncurrent |
| 2025-03 | 2 | charge-offs p90, reserve under noncurrent | loans exceed deposits, liquid assets <10% |
| 2025-06 | 3 | liquid assets <10%, noncurrent p90 | charge-offs p90 |
| 2025-09 | 2 |  | noncurrent p90 |
| 2025-12 | 3 | loans exceed deposits |  |
| 2026-03 | 3 |  |  |
| 2026-06 | 3 |  |  |

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

- 2025-08-21 [New Primebank market president ready to lead | Sioux Center News - The N'West Iowa REVIEW](https://news.google.com/rss/articles/CBMixgFBVV95cUxONXNRS3dEUnpScC02WVNJUmMwQUQ1b2pDVDJHWkJmY1NrMmZsTUtFR2dOVlpWNnlYNjVNUlg4MzhlUW5BU2dtbUk3R1VzTjBaY2FtWndOVjV2UGVvNTlIelpXU0p2RXZzbmlLaXRlM1RZM0RCTEJSV2ZPVGg5elp6WTNCUk94M1JLVzZERWJpOEZxdUJoaVhQQ2laamFtd0VJc1FPUkpMaFd6anJwUDlfX3pjbmRpOGpEc1Q5OFJvR2FseEdycWc?oc=5) · The N'West Iowa REVIEW
- 2023-03-10 [Primebank 20 years in Sioux Center - The N'West Iowa REVIEW](https://news.google.com/rss/articles/CBMiuAFBVV95cUxQdDZpRlJETWpIOU5pTnlPVFpjb1FKaFdEdmVwRDEyRm1HZ3BPTG1UM2JNMGM5Qm1XemxTMkkyNWdCdzFaelZuVHhoOXAzeWlMMmJHTnRkbjFWaW9hMk4wdjF6dFhQUXVrdVI1UV91Q3QxYm1tbWd3dkpzYkxuR3dlLWgtdWhoTUFOaWo1YjhpS1BzWnJvTF9FSThaTm1FdXhOOVl4U0NVRDlfSzZ0ejRFODdkQTlVX3VY?oc=5) · The N'West Iowa REVIEW
- 2026-03-22 [Robert 'Bob' William Scheitler Obituary Mar 22, 2026 - Rexwinkel Funeral Homes](https://news.google.com/rss/articles/CBMicEFVX3lxTFBmdHlRWkVYb0FlNFQ3R1pRbWpjekxyS1c0OVlrYWlzb0NucEZCek5BVFJmM2JLLUR6TWExdlpWYW9YREFyZFlDSk02QnAweGtiT3ZPaUdUU3lSQzh3LTN1UXpkVHVEcEJTMGxUUlU3Qjg?oc=5) · Rexwinkel Funeral Homes
- 2014-04-07 [Iowa lawyer's harassment story found improper for jurors - The Des Moines Register](https://news.google.com/rss/articles/CBMi0wFBVV95cUxPUXBCMTl6YlZrUEVja2l1cDVVdEhiZTFPY1hyQ2ZwMHl0TDBLNkRyU0JWZ1NiZ1FubEFlbUVOUE1obnRsXzlydk44VFVXSTdrUXFGNkx1UEJDT1Q4MmJSZy1abzY5SmhTeGNTM2Vxc245NHQyaGRpTmhnZlo4Rlc5ZDBLSldxQUFkT3FvYk1KYmVTMEJMRFVRbmVpdHlJUGtnMmQ1UDZEczd0R3REdjJSWmo0YTBVaDg4SnRsMWEwbWdSYzN2UGs3NmN2SnJSa3FXTmpR?oc=5) · The Des Moines Register
- 2024-02-29 [New president joins Sioux Center Primebank - The N'West Iowa REVIEW](https://news.google.com/rss/articles/CBMiwwFBVV95cUxPVldGaFozSnQ3YnlPQmVObzhqVmwxbGtvLVBkamc4ZkdHMTI5eG4xTWdZVmxxZjN0NXFKSEh5ZC1GelJNbDBEa3VxZUFuVmJRQ1hTYTdKWEY2UmxRTWp4c25pUnZSOTQwSWNvb2hqakU1R3l4LXdSeFFjWlVtSVFjbk1ianNjQnJSLU9LenBUWGJOdFlTbHNtWEtYcXFzNFBvVlhNX0pqQU5CMXVYTG56aWRxczZZU3NVVnNWWV9ZZ3FudDA?oc=5) · The N'West Iowa REVIEW
- 2024-06-10 [Remsen native Portz to headline Primebank Ice Cream Social - The N'West Iowa REVIEW](https://news.google.com/rss/articles/CBMi2wFBVV95cUxOazhGQUN3bTNMZnRrbmpoSGFDMkZhdHItOW43d2RFaGdSTThhSW9WMkJEVjd4VnpyN0c3QjdnT3VheHBVQzlURGQzOUlBT2dIaWZ1T0FZaVc0Rm54dkE0VkpGTnEycUF3SG9sTzM1eVdGSTd3YmdQUkk3X3pJc3ZJVlg0SUFJNVJ3d011dTM5V1R5a3Y2TkNTUmw2b0J0bVJTNW54NmtOM0p3a2tiZ1NVNFE5THRzdXZxVzFLS3ZxaFFNdGJjQmRPTEZMVU1yWGF4N1c3dzVFZ2w0bWs?oc=5) · The N'West Iowa REVIEW
- 2023-09-29 [MENuMasters comes back strong - The N'West Iowa REVIEW](https://news.google.com/rss/articles/CBMitAFBVV95cUxObXJTd05uV2JzQWZDbkNMbmYtZUdoMlMtTXh3eHlULVNQdGswOGMtbGZxMEQ2TnEwNkM4VE5weks2Sy0xUmNzMUduMGp4NXY5dXRHR1NpLXFIcmVYWEJrTm52bzI3VlpkM0dnTVJaajJFWE5PS2tiZWZYMG91RjlwV044UzItajZmY1VuUW9hT3NocVFXNnJnWTBNZ3J6YVlVb1Y2VXRmVjk2dXByUkl4TS1YdWE?oc=5) · The N'West Iowa REVIEW

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8101 (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/37.json (key "8101", 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